Georgetown Kraft Georgetown SC Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Georgetown Kraft, your trusted partner in financial well-being since 1952. Located at 1530 Bourne St, Georgetown, SC 29440, we pride ourselves on being more than just a credit union; we are a vibrant part of the community with over 16,700 members who rely on us for their banking needs. Our commitment to service is reflected in our impressive total assets of $179,642,367 and total deposits amounting to $26,155,257. At Georgetown Kraft, we understand that financial decisions can be challenging. That's why we offer a range of services designed to simplify your banking experience from personal checking and savings accounts to auto loans and mortgage refinancing. With 72 dedicated employees, led by our CEO Kevin Owens and Board President James Bessant, we strive to provide personalized support tailored to your unique circumstances. While members can visit us at our branch location, official correspondence should be sent to the same address: 1530 Bourne St, Georgetown, SC 29440-4775. We believe in transparency and building trust with our members, which is why we keep you informed about our financial standing boasting a net worth of $30,344,236 and cash in hand amounting to $3,465,933. Our goal is not just to help you manage your money but also to empower you through education and resources that lead to better financial health. With tools like online banking and mobile payments available, managing your finances has never been easier. We invite you to come visit us or call us at 843-436-6300 during our operating hours: Monday through Thursday from 9 AM - 5 PM and Friday from 9 AM - 5:30 PM. Discover how Georgetown Kraft can make a difference in your financial journey today!

Branch History & Mission

Welcome to Georgetown Kraft, a credit union with a rich history and a heartfelt mission dedicated to the community of Georgetown, SC. Established in 1952, our branch has been a cornerstone of financial support and guidance for generations. Located at 1530 Bourne St, Georgetown, SC 29440, we have always aimed to provide personalized financial services that empower our members to achieve their dreams. Over the years, Georgetown Kraft has grown significantly, boasting a current membership of 16,711 individuals who trust us with their financial needs. With total assets amounting to an impressive $179,642,367, we are proud to offer a wide range of services including personal banking, auto loans, mortgage options, and business banking solutions. Our commitment to excellence is evident in every interaction and transaction. At the heart of Georgetown Kraft lies our mission: to improve the financial well-being of our members while contributing positively to our local community. We strive to make banking accessible and beneficial for everyone. This mission drives us to provide not only competitive rates and innovative products but also a wealth of educational resources designed to help our members make informed financial decisions. While members can visit us at 1530 Bourne St, official correspondence should be sent to 1530 Bourne St, Georgetown, SC 29440-4775 if different from our branch address. We are open Monday through Thursday from 9 AM to 5 PM and on Fridays until 5:30 PM. For your convenience, we offer ATM services as well as drive-thru banking for quick transactions. Georgetown Kraft is more than just a place for transactions; we actively engage in community outreach initiatives that foster growth and support within Georgetown. Our partnerships with local organizations underscore our dedication to making a real difference in people's lives. As we continue into the future, we remain committed to embracing digital advancements that enhance member experience while ensuring ADA compliance so that all individuals can enjoy our services without barriers. We invite you to join us at Georgetown Kraft and become part of our growing family. Experience firsthand how we prioritize your financial success while supporting the community we all cherish. Contact us today at 843-436-6300 or visit our website here for more information on how you can benefit from being a member!

Branch Location & Accessibility

Convenience and Accessibility

At Georgetown Kraft, we strive to make your banking experience as smooth as possible. We offer ample parking and ensure that our facilities are accessible for everyone, including those who may need ADA-compliant features. If you're on the go, take advantage of our drive-thru service for quick transactions without leaving your vehicle.

Get in Touch!

Ready to experience convenient banking? Visit us at Georgetown Kraft today! If you have any questions or would like more information about our services, feel free to give us a call at 843-436-6300. We look forward to welcoming you soon!

Operating Hours

We understand that your time is valuable. That's why we offer flexible operating hours to accommodate your schedule. Our lobby is open from Monday to Thursday from 9 AM to 5 PM and Friday from 9 AM to 5:30 PM. Whether you're stopping by for personal banking services or looking to speak with one of our knowledgeable staff members about loans or credit options, we're here when you need us.

Services Offered

Georgetown Kraft offers a variety of services tailored to meet your financial needs. From personal checking and savings accounts to auto loans, mortgage refinancing, and even business banking solutions, we have something for everyone. Plus, with ATM availability right on-site, cash withdrawals and balance checks are just a few steps away.

Member Eligibility

At Georgetown Kraft, we believe that being part of our community means more than just banking; it's about belonging to a supportive family that cares for its members. If you're looking to join us, becoming a member is simple and welcoming! Our eligibility criteria are designed to be inclusive, inviting anyone who lives, works, worships, or attends school in the Georgetown area to apply. This means you could easily find yourself enjoying the benefits of our financial services tailored just for you. For full details on eligibility requirements, feel free to visit this link. Opening an account at Georgetown Kraft is straightforward and convenient. You can start your journey towards membership by applying online through our account opening page here. If you have any questions or need assistance, don't hesitate to reach out to us at (843) 436-6300. We're here to help you every step of the way and can't wait to welcome you into our community at 1530 Bourne St Georgetown Sc 29440!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer essential merchant services that streamline payment processing for your business. Imagine being able to accept various payment methods easily whether it's credit cards or mobile payments allowing you to focus on what really matters: growing your business. Located at 1530 Bourne St Georgetown Sc 29440 in Georgetown, SC, our team is here to help you navigate your business's financial needs. Let us partner with you on your journey to success! For more information, call us at (843) 436-6300 or visit us online at https://gkcu.org/.

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Solutions

For small business owners, our Business Banking services include Merchant Services and Business Loans designed to help your enterprise thrive. We understand the unique challenges businesses face, and we're committed to supporting local entrepreneurs with tailored financial solutions.

Cash Withdrawal Services

Additionally, our branch features an ATM for quick cash withdrawal services and balance checks. If you're visiting us in person, enjoy our basic drive-thru banking options for deposits and simple transactions making banking as convenient as possible. Whether you're managing personal finances or running a business, Georgetown Kraft has something for everyone. With friendly service from our team and a commitment to meeting your financial needs, we invite you to explore all that we have to offer. For more information about our services or if you have any questions, feel free to call us at 843-436-6300 or visit our website at gkcu.org. Let's take this journey together!

Credit Cards with Rewards

Don't forget about our Credit Cards with Rewards, which offer perks that make spending more rewarding. Earn points on everyday purchases and enjoy benefits like cash back or travel rewards perfect for those who love to shop or travel!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking platforms that allow you to manage your finances anytime and anywhere. From checking balances to transferring funds between accounts, everything is just a click away.

Loans for Every Need

If you're in the market for a new vehicle or need funds for personal projects, look no further than our Auto Loans & Vehicle Financing options. We understand that purchasing a car is a significant investment, so we strive to offer competitive rates and flexible terms to fit your budget. For those considering homeownership or looking to refinance their current mortgage, our Mortgage Loans & Refinancing services are here to assist you every step of the way. Our knowledgeable staff can guide you through the process, ensuring you find the right solution for your housing needs. We also provide Personal Loans & Debt Consolidation options to help you tackle unexpected expenses or consolidate existing debts into one manageable payment. This service can significantly ease financial pressure and simplify your budgeting.

Personal Banking

Starting with our Personal Banking services, we offer both checking and savings accounts designed to help you manage your finances effortlessly. Imagine having a checking account that not only simplifies your daily transactions but also rewards you with benefits. Our savings accounts provide an excellent way to grow your funds over time.

Digital & Online Banking

Accessibility and Security

For those who prefer using their mobile devices, our dedicated mobile application is available for download, ensuring that you have your financial information at your fingertips whenever you need it. You can also choose to receive e-statements instead of paper ones, helping you stay organized while reducing clutter in your mailbox. We take security seriously too. Although we do not currently offer electronic signature authorization, rest assured that all transactions through our platform are protected by advanced security measures. In today's fast-paced world, having real-time access to your finances is essential. At Georgetown Kraft, our digital banking services are designed with you in mind making it easier to manage your money securely and efficiently. Visit us online at https://gkcu.org/ and experience the freedom of banking on your terms!

Key Features

Our online banking platform is user-friendly, allowing you to check your account balances, view transaction history, and transfer funds with just a few clicks. If you're looking to send money to friends or family, our person-to-person transfer feature makes it simple and fast. Plus, with mobile payments enabled, you can make purchases directly from your smartphone without any hassle.

Financial Strength

At Georgetown Kraft, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that trusting your finances to us means you want assurance of our strength and reliability. With a net worth of $30,344,236, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 16.87% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $25,075,818 in share certificates and $8,827,428 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $27,656,911 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $3,129 in used auto loans and a total of $112,814,446 in loans and leases. Our impressive net income of $2,452,493 reflects our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 68 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Total Share Accounts stand at an encouraging 35,195, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Georgetown Kraft is your trusted partner. Visit us at 1530 Bourne St Georgetown SC 29440 or call 843-436-6300 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry, with over $52,655,752 in used vehicle loans and $11,150,217 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have options to fit your budget.

Credit Lines

For those who need flexibility in borrowing, our total credit lines amount to $21,000,000. This option allows you to draw funds as needed while only paying interest on what you use. If you are considering refinancing your existing loans or exploring eligibility options for any of our products, our team is here to assist you every step of the way. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Georgetown Kraft, we're committed to helping you find the right loan solution that meets your financial needs. Don't hesitate to reach out today!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $6,073,544. We make buying or refinancing simple and straightforward. With competitive rates and flexible terms, owning your dream home could be closer than you think.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $3,552,343 in loans helping members manage their finances effectively. These cards come with no collateral requirements and can be an excellent tool for everyday purchases or unexpected expenses.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment ensures fair and transparent offers for all users. Each loan comparison reflects current market conditions and is designed to empower borrowers with accurate information.