Henrico Credit Union North Chesterfield VA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Henrico, your trusted financial partner located at 7101 Route 1, North Chesterfield, VA 23237. Since our establishment in 1967, we have proudly served our community, building a strong foundation of trust and reliability among our 30,860 members. At Henrico, we believe in providing personalized services that cater to your unique financial needs while fostering a sense of belonging. With total assets reaching an impressive $466,440,794, and total deposits standing at $51,735,235, we are committed to ensuring your money is not just safe but also working for you. Our diverse portfolio includes over 15,841 loans and leases designed to help you achieve your financial goals whether it's buying a new car or consolidating debt. Our dedicated team of 85 employees is here to assist you with anything from personal banking to business solutions. Under the leadership of CEO Christopher Williams and Board President Frederick Overmann III, we strive to offer not just services but solutions that empower our members. While members can visit us at our branch address, official correspondence should be sent to the same address for clarity: 7101 Route 1, North Chesterfield, VA 23237-1521. At Henrico, we pride ourselves on being more than just a credit union; we are part of the community. Our commitment extends beyond transactions as we actively engage in initiatives that uplift and support local families and businesses. Ready to experience what sets Henrico apart? Call us today at 804-271-0181, or visit our website at henricofcu.org to learn more about how we can help you thrive financially!

Branch History & Mission

At Henrico, we take pride in our rich history and commitment to serving the community of North Chesterfield, Virginia. Founded in 1967, our branch has been a trusted financial partner for over 55 years, growing alongside our members and adapting to their needs. Located at 7101 Route 1, North Chesterfield, VA 23237, we are easily accessible for anyone in the area seeking reliable financial services. Since our inception, Henrico has focused on fostering strong relationships with our members. Today, we proudly serve over 30,860 members and manage assets totaling $466,440,794. This growth is a testament to our dedication to providing quality services that empower individuals and families to achieve their financial goals. Our mission is simple yet profound: to enhance the lives of our members through exceptional service and a range of financial products tailored to their unique needs. We believe that by offering personal banking solutions such as checking and savings accounts, auto loans, mortgage options, and credit cards with rewards we can help build a stronger community. We also recognize the importance of supporting local initiatives and outreach programs that make a positive impact in North Chesterfield and beyond. In addition to traditional banking services, we have embraced technology to make banking more convenient for our members. Our digital offerings include online banking, mobile payments, and electronic signatures, ensuring that you can manage your finances from anywhere. Plus, with features like ATM availability and drive-thru banking during extended hours, we prioritize accessibility for everyone. While our physical address is 7101 Route 1, official correspondence should be sent to 7101 Route 1, North Chesterfield, VA 23237-1521 if it differs from your visit. You can reach us at 804-271-0181 during operating hours: Monday, Tuesday, Thursday from 9 AM - 5 PM; Wednesday from 10 AM - 5 PM; and Friday from 8 AM - 6 PM. As we look towards the future, Henrico remains committed to being more than just a credit union. We aspire to be a partner in your financial journey. Join us today and experience firsthand how we can support your aspirations while building a thriving community together.

Branch Location & Accessibility

Get in Touch!

Have questions or want to learn more? Don't hesitate to give us a call at 804-271-0181. We look forward to welcoming you at Henrico's branch! Come visit us today for friendly service and expert financial advice right here in North Chesterfield!

Nearby Landmarks and Accessibility

Our location is not just practical; it's also surrounded by familiar landmarks that make finding us a breeze. Whether you're heading to the nearby shopping centers or simply passing through North Chesterfield, we are here to help you with your banking needs. Our branch features dedicated parking spaces and is fully ADA compliant, ensuring that everyone can visit us comfortably.

Operating Hours and Services

We understand that life gets busy, which is why we've designed our operating hours to fit your schedule. You can visit us Monday, Tuesday, Thursday, and Friday from 9 AM to 5 PM, with extended hours on Wednesdays starting at 10 AM. Our drive-thru service makes banking even more convenient, allowing you to handle quick transactions without leaving your vehicle. At Henrico, we offer a variety of services tailored to meet your needs whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgage refinancing. Plus, if you're a member of a partner credit union, you can take advantage of our shared service center for deposits and withdrawals.

Member Eligibility

At Henrico, we believe in creating a welcoming community where everyone can thrive. Becoming a member is not just about opening an account; it's about joining a supportive family that genuinely cares for your financial well-being. If you live, work, or worship in the Chesterfield area, you're already on your way to enjoying all the benefits we offer. We also welcome family members of current members, making it easy for loved ones to join this vibrant community. For more detailed information about eligibility criteria, feel free to check out our resource at http://www.henricofcu.org/faq/membership . Getting started is simple! You can open an account online or visit us at our branch located at 7101 Route 1 North Chesterfield Va 23237. Whether you're looking for checking and savings accounts, auto loans, or mortgage options, we have something for everyone. If you have any questions or need assistance, don't hesitate to give us a call at (804) 271-0181. We're here to help you every step of the way as you embark on your journey with us!

Business Banking & Commercial Services

Financing Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $30 in non-member commercial loans, providing flexible financing solutions. Imagine having access to merchant services that simplify your daily operations. Picture processing payments swiftly and securely while focusing on what you do best running your business. With our robust merchant services, you can enhance customer satisfaction and streamline transactions effortlessly. If you're ready to take your business to the next level, visit us at 7101 Route 1 North Chesterfield Va 23237 in North Chesterfield, VA, or contact us at (804) 271-0181. Let's work together to make your business goals a reality!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Enjoy access to our ATMs for quick withdrawals and balance checks without any hassle. Plus, if you're traveling or away from home, our shared branch transactions allow you to access funds easily.

Auto Loans & Vehicle Financing

Thinking about purchasing a new vehicle? Our auto loans and vehicle financing options provide competitive rates and flexible terms. Imagine driving off in that car you've always wanted, knowing you secured an excellent deal through us.

Business Banking

For our entrepreneurial members, we offer comprehensive business banking solutions, including merchant services and business loans. From managing cash flow to expanding operations, we're committed to supporting your business goals.

Credit Cards with Rewards

With our credit cards featuring rewards, every purchase can bring you closer to something special. Enjoy cashback on everyday spending or earn points towards travel it's all about maximizing your benefits.

Drive-Thru Banking

For those busy days when time is tight, our drive-thru banking offers simple transactions like deposits and withdrawals without ever leaving your car. At Henrico, we pride ourselves on being more than just a financial institution; we're a partner in your financial wellness. Visit us today at 7101 Route 1 North Chesterfield Va 23237 or give us a call at (804) 271-0181 to learn more about how we can assist you on your financial journey!

Mortgage Loans & Refinancing

Homeownership is within reach with our mortgage loans and refinancing options. We understand that buying a home can feel overwhelming, so we're here to make the process as smooth as possible. Let us guide you through each step, from pre-approval to closing.

Online & Mobile Banking

In today's fast-paced world, convenience is key. Our online and mobile banking platforms let you manage your accounts anytime, anywhere. With features like mobile payments and e-statements, handling your finances has never been easier.

Personal Banking

Our personal banking services include checking and savings accounts designed for every lifestyle. Whether you're looking to save for a vacation or manage your daily expenses, we have options that fit your needs perfectly.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or want to consolidate your debt, our personal loans are an ideal solution. Picture simplifying your finances by combining multiple payments into one easy monthly payment.

Digital & Online Banking

Accessibility Anytime

With 24/7 online banking services at Henrico, your accounts are always accessible whenever you need them. Whether it's day or night, you can manage your finances at your convenience. Our platform is user-friendly and designed to meet your needs without any hassle. In a world where time is precious, we're here to simplify your banking experience while keeping security at the forefront. Explore all that we offer at https://henricofcu.org/ today!

Key Features

Our digital offerings include electronic signature authorization, which allows you to sign important documents without needing to visit the branch. This means less time spent on paperwork and more time enjoying life! Additionally, e-statements are available to help you manage your finances while reducing paper clutter. If you're always on the go, you'll love our mobile application. It brings all the features of online banking right to your fingertips. With this app, you can make mobile payments easily, ensuring that you're never left without a way to pay when you're out and about. And for those times when you need to send money quickly to friends or family, our person-to-person transfer feature makes it simple and fast.

Financial Strength

Growing Trust

Total Share Accounts: 54,093, show 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, Henrico is your trusted partner. Visit us at 7101 Route 1 North Chesterfield Va 23237 or call (804) 271-0181 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.*

Investing in Growth

Our commitment to growth is reflected in our $33,679,969 in undivided earnings. This amount allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, with $6,717 in used auto loans and $260,877,496 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Member-Centric Savings

Members' savings are secured through $97,377,458 in share certificates. This offers stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $10,168,500, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $314,583 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 82 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundation

With a net worth of $44,197,231, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $947 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 $113,918,945 in used vehicle loans and $31,564,731 in new vehicle loans already helping members get on the road. We provide flexible terms that suit your budget and lifestyle, making it easier than ever to drive away with your dream vehicle.

Credit Lines

If you need extra flexibility for unexpected expenses or planned purchases, our total credit lines amounting to $55,780,572 provide you with access to funds when you need them most. This option allows you to borrow only what you need and pay interest only on the amount you use.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $38,235,739, make buying or refinancing simple. We help you navigate the home buying process with competitive rates and personalized service tailored to your unique situation.

Refinancing Options

We know that circumstances change. If you're considering refinancing any existing loans or would like to explore eligibility options for our various loan products, our team is ready to assist you in finding the best solutions tailored to your financial situation. For more information or to discuss your financing needs, feel free to reach out at (804) 271-0181 or visit us at our branch located at 7101 Route 1 North Chesterfield Va 23237 in North Chesterfield, VA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging, which is why we also offer flexible terms on unsecured credit card loans, with a total of $9,602,681 in loans helping members manage their finances effectively. Enjoy benefits like no annual fees and rewards on purchases while keeping control of your spending.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. This means you can trust that the options presented are genuine and compliant with industry standards. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. You will see a wide range of options without any influence from advertising dollars. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. This feature allows borrowers to find competitive rates without lengthy searches. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the effectiveness of the platform in helping individuals secure better loan terms. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Ensuring 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 ensures that users receive fair and transparent offers. Each loan comparison reflects current market conditions, giving users the most relevant information available.

HENRICO FEDERAL CREDIT UNION - North Chesterfield, VA