Guco Credit Union Greenville NC | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Guco, your trusted financial partner located at 523 Evans St, Greenville, NC 27858. Since opening our doors in 1970, we have proudly served our community with a commitment to providing exceptional financial services tailored to your needs. With a total membership of 1,531 and assets exceeding $10,139,239, we aim to empower you through personalized banking solutions. At Guco, we understand the importance of community support and strive to make a positive impact on the lives of our members. Our dedicated team, led by CEO Elizabeth Waters and Board President Tony Smart, is here to guide you every step of the way. Whether you're looking for auto loans, mortgage financing, or personal banking services, we are equipped to help you achieve your financial goals. While members can visit us at our branch location, official correspondence should be sent to our mailing address: P.O. Box 1847, Greenville, NC 27835-1847. We invite you to explore our wide range of services designed just for you. With total deposits amounting to $2,831,209 and a solid net worth of $1,787,445, Guco stands strong as a reliable financial institution. Ready to take the next step? Visit our website at gucocreditunion.org or give us a call at 252-551-1599 during our lobby hours from Monday to Friday, 8:30 AM - 4:30 PM. Let us help you navigate your financial journey with confidence!

Branch History & Mission

Join Us

As we look toward the future, Guco invites you to become part of our family. Experience firsthand how we can help you achieve your financial goals while also supporting the community we love. Visit us today or reach out at 252-551-1599 for more information about membership and services. Join us at Guco where your financial success is our priority!

Our Evolution

Over the years, Guco has adapted to meet the changing needs of our members. We have expanded our services to include personal banking options like checking and savings accounts, auto loans, mortgage financing, and even business banking solutions. Despite these changes, our commitment to personalized service remains unwavering. Our operating hours are designed for your convenience; we're open Monday through Friday from 8:30 AM to 4:30 PM. While we currently do not offer ATM or drive-thru services, we are proud to provide online banking options that allow you to manage your finances from anywhere.

Our Mission

At Guco, our mission is not just about providing financial services; it's about empowering our community. We aim to support local initiatives and foster relationships that uplift those around us. Whether it's through partnerships with local organizations or outreach programs that provide financial education, we strive to make a meaningful impact in Greenville. We understand that each member's journey is unique. That's why we focus on creating tailored solutions that meet individual needs while promoting financial literacy and responsibility.

Branch Location & Accessibility

Convenient Access

We prioritize accessibility for all our members. Our branch features ADA-compliant facilities, including ramps for easy entry and ample parking available right outside. Whether you're coming in for personal banking or just need some assistance, our team is ready to help.

Operating Hours

We understand that your time is valuable. That's why we're open Monday through Friday from 8:30 AM to 4:30 PM, making it simple for you to stop by during your day. You can also reach us at (252) 551-1599 if you prefer to call ahead or have any questions before your visit.

Services Offered

At Guco, we offer a range of services designed with you in mind, including checking and savings accounts, auto loans, mortgage options, personal loans, and even business banking solutions. Our focus is on providing personalized service tailored to fit your needs. While members can visit us at 523 Evans St Greenville Nc 27858, official correspondence should be sent to our mailing address: P.O. Box 1847, Greenville, NC 27835-1847. We invite you to drop by our branch today! Whether you're looking for financial advice or need assistance with an account, we look forward to welcoming you into our community.

Member Eligibility

At Guco, we believe in creating a welcoming community where everyone can thrive. If you're interested in becoming a member, it's easier than you might think! To join us, you just need to meet a few simple eligibility requirements. Generally, anyone who lives, works, or worships in the Greenville area can become a member. This means that whether you're settling down here or simply passing through, there's a place for you at our credit union. By becoming a member of Guco, you'll gain access to a wide range of financial services tailored to your needs, along with the personal touch that only a community-focused institution can provide. Ready to take the next step? You can find more detailed information on eligibility by visiting our website at https://gucocreditunion.org/loans. When you're ready to open an account, check out the easy process outlined here: https://gucocreditunion.org/apply-for-a-loan. If you have any questions or need assistance, feel free to reach out to us at (252) 551-1599. We can't wait to welcome you into our family at Guco, located at 523 Evans St Greenville Nc 27858!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, our merchant services can streamline your payment processing, making it easier for customers to pay you. Imagine a busy Saturday at your store our solutions allow you to accept payments quickly and securely, giving you more time to focus on what matters: serving your customers. Visit us at 523 Evans St Greenville Nc 27858 in Greenville, NC or call us at (252) 551-1599 to learn how we can support your business journey today!

Tailored Loan Solutions

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

ATM & Cash Withdrawal Services

While we currently do not have ATMs on-site at Guco, rest assured that cash withdrawal services remain accessible through various partnerships across the area. We prioritize ensuring you have convenient access to your funds whenever needed. No matter what financial service you're interested in, our team at Guco is ready to assist you. Visit us at 523 Evans St Greenville Nc 27858 or give us a call at (252) 551-1599 during our operating hours from Monday through Friday, 8:30 AM - 4:30 PM. Let's work together towards achieving your financial goals!

Auto Loans & Vehicle Financing

Thinking about purchasing a new vehicle? Our auto loans and vehicle financing options are competitive and straightforward. Picture yourself driving off in that new car while knowing you got a great deal with manageable payments that fit your budget. We work closely with our members to provide customized loan terms that suit their unique situations.

Business Banking

If you're a small business owner in Greenville, you'll appreciate our business banking services. From merchant services that help streamline transactions to business loans aimed at supporting growth, we're committed to helping local businesses thrive.

Credit Cards with Rewards

For those who love earning rewards while spending, our credit cards come with benefits that give back every time you shop. Imagine earning points for travel, shopping discounts, or even cashback all while enjoying the flexibility of credit when you need it.

Mortgage Loans & Refinancing

Buying a home is one of the biggest decisions you'll ever make. With our mortgage loans and refinancing options, we aim to make this process as smooth as possible. Our team will guide you through different mortgage plans, helping you find the right fit for your financial goals whether you're a first-time buyer or looking to refinance an existing mortgage.

Online & Mobile Banking

In today's fast-paced world, managing your finances digitally is essential. At Guco, we offer robust online and mobile banking solutions that allow you to monitor your accounts anytime and anywhere. You can easily deposit checks via mobile app or transfer funds without stepping foot outside your home.

Personal Banking

When it comes to personal banking, we understand that convenience and accessibility are key. That's why at Guco, we offer checking and savings accounts designed with you in mind. Imagine having easy access to your funds through online and mobile banking, allowing you to check balances, transfer money, and pay bills from anywhere.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or trying to manage multiple debts, our personal loans can be a lifesaver. They provide quick access to cash when you need it most. Plus, if you're looking to simplify your finances, consider our debt consolidation options. By combining your debts into one easy payment plan, you can reduce stress and save money on interest over time.

Digital & Online Banking

At Guco, we understand that managing your finances should be as easy and secure as possible. That's why we've designed our digital and online banking services to provide you with convenient access to your accounts anytime, anywhere. With our 24/7 online banking services, you can effortlessly keep track of your finances right from the comfort of your home or on the go. You can start exploring all our features by visiting https://gucocreditunion.org/. Whether you want to check your balance, pay bills, or transfer money, our online platform makes everything straightforward. We also offer e-statements, allowing you to access your account statements digitally instead of waiting for paper copies. This not only saves time but is also better for the environment. For those who enjoy the convenience of mobile payments, we currently do not offer this feature. However, our online banking service ensures you can manage your finances effectively without it. Plus, while we don't have a dedicated mobile app at this time, our website is fully optimized for mobile use, making it easy to navigate from any device. If you're looking to send money to friends or family, please note that person-to-person transfers are not available right now. Nevertheless, you can still manage all your banking tasks securely and efficiently through our online platform. It's essential for us to prioritize your security. Even though we don't utilize electronic signature authorization currently, rest assured that all transactions on our online platform are protected with advanced security measures. In a world where accessibility matters more than ever, Guco remains committed to providing you with user-friendly tools that help you stay in control of your finances. Join us in embracing digital banking and experience the peace of mind that comes with knowing your financial needs are just a click away!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 2,203, show a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments stand at $56,240. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Guco is your trusted partner. Visit us at 523 Evans St Greenville Nc 27858 or call (252) 551-1599 to learn more about how we can help you achieve your financial goals.

Member Savings Secured

Members' savings are secured through $1,143,589 in share certificates and $3,002,169 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 operational efficiency is reflected in our $13,715, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 2 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Better Services

With $1,573,778 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; with $142 in used auto loans and $5,968,638 in total loans and leases, we support members' financial goals across various sectors.

Strong Financial Health

With a net worth of $1,787,445, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 17.62% 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 $2,415,301 in used vehicle loans and $1,801,524 in new vehicle loans already helping members get on the road. We provide flexible financing options, whether you're purchasing a brand-new vehicle or a reliable used one.

Credit Lines and Personal Loans

If you're looking for additional credit flexibility, our total credit lines amounting to $900,000 can help cover unexpected expenses or major purchases. Additionally, we offer unsecured credit card loans to assist you in managing your finances effectively; however, at this moment, there are no unsecured credit card loans issued.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. While currently we do not have Junior Lien 1-4 Family Residential Properties loans available totaling $0, our team can guide you through other home financing solutions that fit your needs.

Refinancing Options

We also understand that life circumstances change. If you're interested in refinancing your existing loans or exploring eligibility options, don't hesitate to reach out. Our team is here to provide insights and support throughout the process. 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 Guco, we're committed to helping our members navigate their financial journeys with confidence and ease. Explore our loan offerings today and see how we can help you achieve your financial dreams!

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GUCO CREDIT UNION - Greenville, NC

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