Georgetown Kraft Pawleys Island SC Credit Union | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to Georgetown Kraft, your trusted financial partner located at 49 Jetty Dr, Pawleys Island, SC 29585. Since our establishment in 1952, we have been dedicated to serving our community and fostering a spirit of cooperation among our 16,711 members. With total assets amounting to an impressive $179,642,367, we pride ourselves on providing a wide range of services that cater to both personal and business needs. At Georgetown Kraft, we understand the importance of reliable banking solutions. Our offerings include checking and savings accounts, auto loans, mortgage loans, personal loans, credit cards with rewards, and business banking services. Whether you're looking to buy a new vehicle or manage your finances more effectively, we've got you covered. We are committed to supporting our community's growth. As of now, we have facilitated a total of 11,200 loans and maintain deposits of $26,155,257. With a net worth of $30,344,236 and cash reserves totaling $3,465,933, we ensure that your money is safe while also helping you achieve your financial goals. Leadership plays a vital role in our success. Under the guidance of our CEO, Kevin Owens, and Board President, James Bessant, we strive to create an inclusive environment where every member feels valued and empowered. Our team of 72 employees is always ready to assist you with personalized service and expert advice. While members can visit us at our Pawleys Island branch for all their banking needs, official correspondence should be directed to the same address: 49 Jetty Dr, Pawleys Island, SC 29585-8425. We invite you to explore more about what we offer by visiting our website at gkcu.org. Feel free to reach out at (843) 436-6340 for any inquiries or assistance. Come experience the Georgetown Kraft difference where community matters!

Branch History & Mission

Join Us

As we continue this journey together into the future, we invite you to become part of the Georgetown Kraft family. Experience firsthand how a community-focused credit union can make a difference in your life. Whether you're looking for personal loans or just need a safe place for your savings, we're here for you every step of the way. For more information or assistance, don't hesitate to reach out at 843-436-6340 or explore more about what we offer at Georgetown Kraft. Together, let's build a brighter financial future!

Our Journey

From our humble beginnings more than seven decades ago, Georgetown Kraft has evolved significantly. We started with a simple goal: to provide financial services tailored to the needs of our members. As we expanded, we embraced modern banking practices while staying true to our mission of community support and empowerment. Today, our branch not only offers traditional banking services but also innovative solutions like online and mobile banking, ensuring that everyone can access their accounts conveniently. Our commitment to accessibility is further reflected in our operating hours. Open Monday through Thursday from 9 AM to 5 PM and Friday until 5:30 PM, we strive to accommodate your busy schedule. Plus, with both ATM availability and drive-thru banking options, managing your finances has never been easier.

Our Mission

At Georgetown Kraft, our mission is simple yet powerful: we aim to enhance the financial well-being of our members while actively contributing to the local community. We believe that when you succeed financially, so does our community. That's why we offer a range of services from checking and savings accounts to auto loans and business banking to meet diverse needs. Our commitment extends beyond just financial products; it includes meaningful partnerships within Pawleys Island and surrounding areas. We work closely with local organizations to promote education, wellness, and economic development initiatives that uplift everyone in our community. While you are welcome to visit us at 49 Jetty Dr, official correspondence can be directed to 49 Jetty Dr, Pawleys Island, SC 29585-8425 if needed.

Branch Location & Accessibility

Accessibility and Features

At Georgetown Kraft, we prioritize accessibility for all of our members. Our branch features ADA-compliant ramps and ample parking space to make your visit comfortable. Whether you prefer to walk in or utilize our drive-thru service for quick transactions, we've got you covered!

Call to Action

We invite you to come by and see how Georgetown Kraft can support your financial journey. If you have any questions or need assistance before your visit, don't hesitate to give us a call at 843-436-6340. We look forward to welcoming you soon!

Operating Hours

We understand that your time is valuable. That's why we are here for you Monday through Thursday from 9 AM to 5 PM, and on Fridays until 5:30 PM. Whether you're stopping by for personal banking needs or to discuss loans and services, we're ready to assist you during these hours.

Services Offered

Our Pawleys Island branch offers a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we're here to help you navigate your options easily. You can also take advantage of our ATM services for quick cash withdrawals or balance checks anytime.

Member Eligibility

At Georgetown Kraft, we believe that everyone deserves a chance to be part of a supportive community where their financial needs are prioritized. If you're looking to join us at our Pawleys Island location, you'll be pleased to know that membership is open to individuals who live, work, worship, or attend school in the area. This means that whether you're a local resident or just passing through, you can take advantage of the great services we offer. By becoming a member, you'll gain access to personalized banking solutions, competitive loan rates, and a variety of resources designed to help you thrive financially. Joining is simple! You can start the process by visiting our website or giving us a call at (843) 436-6340 for more information. If you'd like to dive deeper into the specific eligibility criteria. We're here to make your transition into membership as smooth as possible and look forward to welcoming you to the Georgetown Kraft family!

Business Banking & Commercial Services

Business 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.

Merchant Services

In addition to loans, we offer merchant services that simplify everyday transactions. Imagine having a reliable way to accept payments from your customers whether it's through credit cards, mobile payments, or online processing. This not only enhances customer satisfaction but also streamlines your operations, allowing you to focus on what matters most: growing your business. Located at 49 Jetty Dr Pawleys Island Sc 29585 in Pawleys Island, SC, our team is here to help you navigate your financial needs. Contact us today at (843) 436-6340 to learn more about how we can assist your business!

Comprehensive List Of Services

Accessibility

For those who prefer face-to-face interactions, our branch provides basic drive-thru banking services for deposits, withdrawals, and simple transactions. This allows you to conduct banking tasks quickly without leaving your vehicle a perfect solution for busy schedules. At Georgetown Kraft, we strive not only to meet but exceed our members' expectations by offering personalized service and innovative financial solutions. If you're ready to explore how we can help you achieve your financial dreams, visit us at 49 Jetty Dr Pawleys Island Sc 29585, call us at (843) 436-6340, or check out our website at Pawleys Island. We look forward to serving you!

Business Banking

Small business owners will find valuable resources in our Business Banking services, including Merchant Services & Business Loans. Whether you're starting a new venture or expanding an existing one, we understand the unique challenges of running a business and are here to support you every step of the way.

Credit Cards

Our members can also benefit from our enticing Credit Cards with Rewards program. Imagine earning points for every dollar spent that can be redeemed for travel, merchandise, or cash back. It's a smart way to maximize your spending while enjoying everyday conveniences.

Digital Convenience

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features that allow you to manage your accounts anytime, anywhere. From checking balances and transferring funds to paying bills and accessing e-statements, everything is at your fingertips. Our members appreciate having access to an ATM & Cash Withdrawal Services, making it easy to withdraw cash or check balances without any hassle.

Loans and Financing

For those considering a vehicle purchase or homeownership, we offer Auto Loans & Vehicle Financing and Mortgage Loans & Refinancing. Picture driving away in your dream car or moving into your first home with competitive rates designed just for you. If you're facing unexpected expenses or looking to consolidate debt, our Personal Loans & Debt Consolidation options can help ease your financial burden.

Personal Banking

One of the cornerstones of our offerings is Personal Banking. We provide various Checking & Savings Accounts that cater to different lifestyles and saving goals. Imagine being able to easily access your funds whenever you need them while earning interest on your savings. With our straightforward account options, managing your money has never been easier.

Digital & Online Banking

Key Features

Our services include e-statements, which allow you to receive your account statements electronically. This not only helps the environment but also gives you immediate access to your financial information without waiting for the mail. Plus, with mobile payments and our dedicated mobile application, managing your money is just a tap away. You can easily make purchases or send money to friends and family through person-to-person transfers. Security is a top priority at Georgetown Kraft. While we currently do not offer electronic signature authorization, rest assured that all transactions are protected by advanced security measures to keep your information safe. With these features at your fingertips, you can enjoy real-time account management and make informed decisions about your finances. We are committed to providing accessible and easy-to-use solutions so you can focus on what truly matters in life. Experience the convenience of digital banking with Georgetown Kraft today!

Financial Strength

Growing Membership

Total Share Accounts stand at 35,195, showcasing a strong and growing member base that trusts us with their finances. This trust underscores our commitment to maintaining a secure environment where your money can thrive. 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 49 Jetty Dr Pawleys Island Sc 29585 or call 843-436-6340 to learn more about how we can help you achieve your financial goals.

Lending Capacity

Our lending capacity is robust with $3,129 in used auto loans and a total of $112,814,446 in loans and leases available for members across various sectors. This means that whether you're looking to purchase a vehicle or fund a project, Georgetown Kraft has the resources to support you.

Member-Centric Savings

Your 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. Our focus ensures that our resources are dedicated to benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our net income of $2,452,493, enabling 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 team.

Reinvestment for Growth

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. This focus on growth reflects our dedication to helping you achieve your financial goals.

Solid Foundation

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 1687 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer 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. We make it simple to finance your vehicle purchase with flexible terms and quick approvals.

Credit Lines and Unsecured Credit Cards

If you're looking for flexibility in managing your finances, consider our credit lines which total $21,000,000. 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 options provide peace of mind when unexpected expenses arise.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $6,073,544, make buying or refinancing simple. We help you navigate the process smoothly so you can focus on what matters most making your house a home.

Refinancing Options

For those considering refinancing existing loans or mortgages, we provide personalized solutions to help lower your monthly payments or adjust your loan terms. Our team is here to discuss eligibility options that could work for you. Our branch is located at 49 Jetty Dr Pawleys Island SC 29585, and our dedicated staff is ready to assist you. Feel free to reach us at 843-436-6340 during our operating hours: Monday - Thursday from 9 am to 5 pm and Friday from 9 am to 5:30 pm. 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 are committed to helping our members succeed financially through accessible lending options tailored just for you. Explore how we can assist you today!

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GEORGETOWN KRAFT CREDIT UNION - Pawleys Island, SC

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