Greater Kinston Credit Union Kinston NC | Affordable Auto Loans & Business Banking

Introduction

Welcome to Greater Kinston Credit Union, where we believe in putting our members first. Located at 901 N Queen St, Kinston, NC 28501, we have been serving our community since 1952. With over 4,056 members and total assets of $14,110,386, we are proud to offer a variety of financial products designed to help you achieve your goals. At Greater Kinston Credit Union, trust and reliability are at the heart of what we do. Our dedicated team, led by CEO Jontae Sherrod and Board President Preston Harris, is here to provide personalized service tailored to your needs. Whether you're looking for checking and savings accounts, auto loans, or mortgage solutions, we have you covered. In addition to our strong financial foundation boasting total deposits of $3,462,690 and a net worth of $1,972,641 we're committed to making a positive impact in the Kinston community. We believe that financial health is vital for everyone, which is why we strive to empower our members with the tools they need for success. While you can visit us at our branch address for all your banking needs, please note that official correspondence should be sent to the same location: 901 N. QUEEN STREET, KINSTON, NC 28501. We invite you to experience the difference at Greater Kinston Credit Union. Reach out today by calling us at (252) 527-4002 or explore our services online at greaterkcu.org. Your journey towards a brighter financial future starts here!

Branch History & Mission

Join Us Today!

As we continue on this journey together, we invite you to become part of the Greater Kinston family. Experience firsthand how our dedicated team can help you achieve your financial dreams while contributing positively to our beloved community. For more information or to open an account today, please call us at (252) 527-4002 or visit our website at www.greaterkcu.org. Together, let's build a brighter future!

Our Journey

From humble beginnings, Greater Kinston has steadily built a legacy of trust and support within the community. With total assets exceeding $14 million, we have developed a strong foundation that allows us to provide competitive products and services tailored to our members' needs. Whether you're looking for personal banking options like checking and savings accounts, auto loans, or even mortgage refinancing, we've got you covered. We are proud to say that we have created a welcoming environment where everyone feels valued. Our operating hours from 9:00 AM to 5:00 PM, Monday through Friday ensure you can find time in your busy schedule to visit us. Although we do not currently offer ATM services at this location, we do provide drive-thru banking for your convenience.

Our Mission

At Greater Kinston, our mission is simple yet impactful: to empower our members with the financial tools they need to succeed while making a positive difference in our community. We believe in providing personalized service that helps individuals and families reach their financial goals. By offering everything from personal loans and debt consolidation to business banking services, we strive to meet the diverse needs of those we serve. Our commitment goes beyond just financial services; it extends into community outreach efforts as well. We actively seek partnerships with local organizations and participate in initiatives designed to uplift and support those around us. We want you not just as a member but as part of our extended family. While members can visit us at 901 N Queen St, official correspondence should be sent to 901 N. QUEEN STREET, KINSTON, NC 28501 if needed.

Branch Location & Accessibility

Welcome to the Greater Kinston Credit Union, your friendly financial partner located at 901 N Queen St in the heart of Kinston, NC. Our branch is conveniently situated near local landmarks, making it easy for you to stop by and get the services you need. Whether you're just around the corner or visiting from out of town, our location is designed with your convenience in mind. At Greater Kinston, we pride ourselves on accessibility. Our branch features ADA-compliant entrances and ramps, ensuring everyone can visit us comfortably. Plus, you'll find ample parking available right outside our doors, so you can hop in and out without any hassle. We're open Monday through Friday from 9:00 AM to 5:00 PM, ready to assist you with personal banking needs such as checking and savings accounts, auto loans, mortgage loans, and more. If you're looking for quick transactions, our drive-thru service allows you to handle deposits and withdrawals without leaving your vehicle. For those who prefer online interactions, we offer a range of digital banking options that include mobile payments and online banking. While we don't currently have ATM services available at this branch, our dedicated team is here to help you navigate all your banking needs. If you need to send us any official correspondence, please use our mailing address: 901 N. QUEEN STREET, KINSTON, NC 28501. We invite you to stop by or give us a call at 252-527-4002 to learn more about how we can support your financial journey. Your community credit union is here for you!

Member Eligibility

At Greater Kinston, we believe that joining our community is the first step toward better financial well-being. If you're a resident of Lenoir County or work in the area, you're already on your way to becoming a valued member. We welcome individuals who are part of specific groups associated with our credit union, which means you might be eligible just by living, working, or worshiping nearby. To make things even easier, the application process is straightforward and friendly! You can find all the details about eligibility right here: Membership Eligibility. Becoming a member at Greater Kinston opens up a world of benefits tailored to help you thrive financially. From competitive rates on loans to personalized service that feels like family, we're here for you every step of the way. Ready to take the plunge? You can start your journey by checking out our account opening details at Account Opening. If you have any questions, don't hesitate to reach out at (252) 527-4002 we're excited to welcome you home!

Business Banking & Commercial Services

Practical Merchant Services

Imagine having a reliable partner that simplifies transactions for your customers while boosting your sales this is where our merchant services come into play. With our solutions, you can accept payments seamlessly, manage cash flow effectively, and focus more on what you do best: running your business. If you're ready to take the next step in growing your business, visit us at 901 N Queen St Kinston Nc 28501 or give us a call at (252) 527-4002. Together, we can build a brighter future for your business!

Supporting Business Growth with Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no member or non-member commercial loans funded, we believe that every business deserves access to financial tools designed for success. From equipment financing to working capital loans, our products are crafted to meet your unique needs.

Comprehensive List Of Services

Business Banking Solutions

For our business members, we also provide robust business banking services, including merchant services and business loans. We believe in supporting local businesses and helping them thrive in our community.

Connect With Us

Ready to explore these services further? Give us a call at 252-527-4002 or visit us at 901 N Queen St, Kinston NC 28501 during our operating hours from 9:00 AM to 5:00 PM on weekdays. At Greater Kinston, we're here to support your financial journey every step of the way. For more details on how you can become a member or open an account today, check out our website at greaterkcu.org. We look forward to serving you!

Convenient Access

At Greater Kinston, convenience is key. While we do not have ATM facilities at this location, our drive-thru service makes it easy for you to conduct basic transactions like deposits and withdrawals without leaving your car. Plus, with online and mobile banking options available, managing your finances has never been easier.

Credit Cards with Rewards

Don't forget about our credit cards with rewards, designed to give back every time you spend. Whether it's cash back or travel rewards, our credit cards offer various benefits that fit different spending habits.

Loans Tailored for You

If you're in need of financing, our auto loans and vehicle financing options are here to help you get behind the wheel without breaking the bank. We understand that buying a car is a big decision, which is why we offer competitive rates and terms tailored just for you. For those looking to buy a home or refinance an existing mortgage, we provide comprehensive mortgage loans and refinancing solutions. Our team is ready to guide you through every step of the process, ensuring it's as straightforward as possible. Additionally, if you're facing unexpected expenses or need to consolidate debt, our personal loans can provide relief and help you regain control over your finances.

Personal Banking

Starting with personal banking, we offer flexible checking and savings accounts that cater to all lifestyles. Whether you're saving for a vacation or managing everyday expenses, our accounts come with features that make banking easy. You can enjoy online and mobile banking options, allowing you to access your funds anytime and anywhere right from your phone or computer.

Digital & Online Banking

Go Mobile with Confidence

If you prefer managing your finances on the go, our mobile payments feature is here for you. Although we currently don't have a dedicated mobile application, rest assured that our online banking site is mobile-friendly, allowing you to perform all necessary transactions seamlessly from your smartphone or tablet. At Greater Kinston, we are committed to providing accessible and user-friendly banking solutions that empower you to take control of your financial life. Join us in embracing the future of banking today!

Online Banking Services

Our 24/7 online banking service allows you to check balances, transfer funds, and pay bills from the comfort of your home or on the go. You can explore all our online features by visiting https://www.greaterkcu.org . Whether you need to review your e-statements or set up automatic payments, everything is at your fingertips.

Secure Transactions Made Easy

Security is our top priority. With electronic signature authorization available, you can sign documents digitally without any hassle, making it easier than ever to finalize transactions securely. Plus, our person-to-person transfer feature lets you send money quickly to friends and family without needing cash or checks just a few taps on your mobile device.

Financial Strength

Growing Together

Total Share Accounts stand at 5,808, showing a strong and growing member base that trusts us with their finances. With Net Shares (Funds available for lending and investments) at $22,589, we have the resources needed to provide the best possible services to you. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Greater Kinston is your trusted partner. Visit us at 901 N Queen St Kinston Nc 28501 or call (252) 527-4002 to learn more about how we can help you achieve your financial goals.

Investments in Your Future

With $1,972,641 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is significant as well; with $126 in used auto loans and $9,784,101 in total loans and leases, we support your financial goals across various sectors.

Member Savings

Members' savings are secured through $4,625,546 in share certificates and $1,296,290 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.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 5 full-time employees and 0 part-time employees who are ready to serve you with knowledge and commitment.

Our Financial Health

With a net worth of $1,972,641, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid net worth reflects our dedication to serving you effectively while ensuring your money is safe. Our net worth ratio of $1,398 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 $1,738,928 in used vehicle loans and $297,846 in new vehicle loans already helping members get on the road. Whether you're eyeing a brand-new model or a reliable used car, our financing options can make your purchase more affordable.

Credit Lines

If you're looking for added flexibility in your budgeting, consider our credit lines with a total limit of $1,000,000. These lines can be essential for managing unexpected expenses or making larger purchases without disrupting your cash flow. Our team is here to assist you through every phase of the loan process from application to approval and beyond. We also offer refinancing options for those who wish to lower their payments or consolidate debt into one manageable loan. For any inquiries or further details about our loan products, feel free to reach us at (252) 527-4002. Visit us at 901 N Queen St Kinston Nc 28501, and let's work together towards your financial success!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer various loan types tailored to meet your needs. Currently, our mortgage loans include options for Junior Lien 1-4 Family Residential Properties totaling $0, ensuring that you're supported every step of the way.

Unsecured Credit Cards

We also provide flexible terms on unsecured credit card loans. While we currently have $0 in unsecured credit card loans available, our offerings are designed to help members manage their finances effectively without the burden of collateral.

Loan Aggregator

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GREATER KINSTON CREDIT UNION