Henrico Credit Union Richmond VA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Henrico Credit Union, your trusted financial partner located at 1201 N Laburnum Ave, Richmond, VA 23223. Established in 1967, we've proudly served our community for over five decades, growing alongside our members and adapting to their financial needs. With a total membership of 30,860, we strive to create a welcoming environment where everyone feels valued and supported. At Henrico, we understand that financial choices can shape your future. That's why we offer a wide range of services tailored to meet your needs from checking and savings accounts to auto loans and mortgages. With total assets amounting to an impressive $466,440,794 and total deposits reaching $51,735,235, our commitment to financial stability ensures that your money is safe with us. Our dedicated team of 85 employees, led by our CEO Christopher Williams and Board President Frederick Overmann III, works diligently to provide personalized service and expert guidance. We have built a solid foundation based on trust and transparency, helping you make informed decisions about your finances. While members can visit us at our branch location, official correspondence should be sent to the same address: 1201 N Laburnum Ave, Richmond, VA 23223. If you have any questions or need assistance, please don't hesitate to reach out at 804-266-0290. Join us today at Henrico Credit Union where your financial success is our mission! Visit our website at henricofcu.org for more information on how we can help you thrive in your financial journey.

Branch History & Mission

Looking Ahead

As we continue to grow, Henrico remains committed to upholding the values that have guided us since 1967: trust, service, and community engagement. Our knowledgeable team is always here to help you navigate your financial journey. If you're looking for a credit union that truly cares about its members and community, we invite you to join us at Henrico. Experience firsthand the benefits of membership from personalized service to a wide array of financial products tailored just for you. Visit us today or check out more information on our website at Henrico FCU. Together, let's build a brighter future!

Our Journey

From the very beginning, Henrico has focused on serving our members with integrity and respect. We started with a simple mission: to help individuals and families achieve their financial goals while supporting the local community. Over the years, we've embraced innovation and adapted to the changing needs of our members, always prioritizing their best interests. As we expanded our services, we introduced a range of personal banking options including checking and savings accounts, auto loans, mortgages, and credit cards with rewards. We also recognize the importance of accessibility; that's why we offer online and mobile banking services that allow our members to manage their finances conveniently from anywhere.

Our Mission

Our mission is clear: to empower our members through exceptional financial services while fostering a sense of community. We believe that when our members thrive, so does the community. This belief drives us to support various local initiatives and partnerships aimed at enriching lives in Richmond. While members can visit us at 1201 N Laburnum Ave Richmond Va 23223, official correspondence should be sent to 1201 N Laburnum Ave, Richmond, VA 23223. We're dedicated to making banking easier and more accessible for everyone offering not just in-branch assistance but also drive-thru banking and ATM access for added convenience.

Branch Location & Accessibility

Convenient Access and Nearby Landmarks

Situated near notable landmarks like the Virginia Center Commons and just a short drive from downtown Richmond, our location is easily accessible for all members of the community. We understand that convenience matters, which is why we offer ample parking space and features designed for accessibility, including ramps for those who need them. While you can come to see us at our branch address for all your banking needs, if you need to send any official correspondence, please direct it to our mailing address at 1201 N Laburnum Ave, Richmond, VA 23223.

Friendly Invitation

We invite you to stop by our branch or give us a call at 804-266-0290. Our dedicated team is eager to help you explore how we can support your financial journey. Come experience firsthand why Henrico Credit Union is the right choice for so many in Richmond!

Operating Hours and Services Offered

We know your time is valuable. That's why our lobby hours are set to fit your schedule: Monday, Tuesday, Thursday, and Friday from 9:00 AM to 6:00 PM; Wednesdays open from 10:00 AM to 6:00 PM; and on Saturdays, we're here until noon with drive-thru services available. At Henrico Credit Union, we pride ourselves on providing a wide range of services. From checking and savings accounts to auto loans and credit cards with rewards our offerings are designed with you in mind. Plus, with ATM availability and basic drive-thru banking for deposits and withdrawals, banking has never been easier.

Member Eligibility

Becoming a member of Henrico is like joining a family that truly cares about your financial well-being. Located at 1201 N Laburnum Ave Richmond Va 23223, we welcome individuals who share our vision of community and support. To be eligible, you just need to live, work, worship, or attend school in the Richmond area or have a family member who is already a member. It's that simple! Once you meet these criteria, you can enjoy a range of benefits tailored just for you, from competitive loan rates to personalized service that puts your needs first. Opening an account with us is easy and can be done online! Just visit https://digital.henricofcu.org/enroll to get started. If you have any questions or need assistance along the way, don't hesitate to call us at (804) 266-0290. For more detailed information on membership eligibility, feel free to check out our website at http://www.henricofcu.org/faq/membership . We're excited to welcome you into our community!

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 also support the broader business community with $30 in non-member commercial loans, providing flexible financing solutions. Imagine having the funds to purchase new equipment or hire additional staff. With our competitive loan options, you can turn your dreams into reality, ensuring your business reaches its full potential.

Merchant Services

In today's fast-paced market, seamless payment processing can set you apart from the competition. Our merchant services simplify transactions for your customers while giving you valuable insights into sales trends. Whether you're running a bustling café or an online store, our services make it easy for you to manage payments efficiently. Ready to take your business to the next level? Visit us at 1201 N Laburnum Ave Richmond Va 23223 in Richmond, VA or call us at (804) 266-0290 to learn more about how we can partner with you on your journey to success!

Comprehensive List Of Services

Business Banking

If you're a business owner, you'll find our business banking services invaluable. From merchant services that facilitate smooth transactions to business loans that fuel growth, we've got what you need to succeed.

Convenient Access

At Henrico, convenience is key. Our branch features an ATM for cash withdrawal services, allowing easy access to your funds whenever you need them. Plus, enjoy the ease of using our drive-thru banking for deposits and withdrawals without leaving your car. For members who belong to partner credit unions, take advantage of our shared branch transactions where you can make deposits and withdrawals seamlessly.

Financial Solutions for Everyday Life

Sometimes life throws unexpected expenses your way. Our personal loans and debt consolidation services can help you manage those costs effectively. With flexible terms and easy application processes, we're here to support you through tough times. Don't forget about our credit cards with rewards, designed to give back as you spend. Earn points on everyday purchases and redeem them for rewards that suit your lifestyle.

Get Started Today

Ready to experience all that we have to offer? Reach out today at (804) 266-0290 or visit us at 1201 N Laburnum Ave Richmond Va 23223. Explore more about membership options here or start the application process here. At Henrico, we're dedicated to supporting your financial journey with friendly service and expert guidance!

Personal Banking Services

We understand that managing your finances is crucial. That's why we offer personal banking services like checking and savings accounts designed for your everyday needs. Imagine having access to your funds anytime through our online and mobile banking options. You can easily check balances, transfer money, or pay bills right from your smartphone or computer. When life calls for a new vehicle, our auto loans and vehicle financing options make it easy to get behind the wheel. Whether you're buying new or used, we provide competitive rates tailored to your budget. For those bigger dreams, such as buying a home, explore our mortgage loans and refinancing services. We simplify the process so you can focus on making memories in your new space.

Digital & Online Banking

Easy Access to Your Accounts

With our online banking platform, accessible at https://henricofcu.org/ , you can check your account balances, pay bills, and transfer funds anytime you need. Enjoy the freedom of 24/7 online banking services that put you in control of your money from wherever you are.

Security First

Your safety is our top priority. Our online banking services utilize robust security measures to protect your personal information. You can rest easy knowing that all transactions are safeguarded against unauthorized access. At Henrico, we're dedicated to providing you with a user-friendly banking experience that fits seamlessly into your lifestyle. Explore all our digital offerings today at https://henricofcu.org/ and take charge of your financial journey!

Stay Connected on the Go

Our mobile application enhances your banking experience by allowing for mobile payments and person-to-person transfers right from your phone. Need to send money to a friend? Just use our convenient person-to-person transfer feature. With mobile payments, making purchases is quick and hassle-free!

User-Friendly Features

We offer a variety of features to make your banking experience smoother. For instance, e-statements are available so you can keep track of your transactions without the clutter of paper statements. Plus, with electronic signature authorization, signing documents online has never been easier or more secure.

Financial Strength

Commitment to Growth

With $33,679,969 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 robust; with $6,717 in used auto loans and $260,877,496 in total loans and leases, we're here to support your financial goals across various sectors.

Growing Trust

Total Share Accounts stand at 54,093, showing a strong and growing member base that trusts us with their finances. Our commitment to transparency and member service drives us forward every day. 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 1201 N Laburnum Ave Richmond Va 23223 or call (804) 266-0290 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $97,377,458 in share certificates, offering 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 also 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 Health

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. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, our team is here to guide you through the process and find the right option for your budget.

Business Loans

For business owners seeking capital for growth and expansion, we provide outstanding commercial loans tailored to your specific needs. Currently, we have no outstanding commercial loans but remain committed to supporting local businesses when they need financing solutions. Our friendly staff at Henrico is ready to assist you through every step of your borrowing journey. If you're considering refinancing or want more information on eligibility options for any of our loan products, don't hesitate to reach out! You can visit us at our branch located at 1201 N Laburnum Ave Richmond Va 23223 or give us a call at 804-266-0290 during our operating hours: Monday, Tuesday, Thursday and Friday from 9:00 am - 6:00 pm; Wednesday from 10:00 am - 6:00 pm; and Saturday from 9:00 am - 12:00 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. Join us today and let us help you take the next step towards achieving your financial dreams!

Credit Card Options

We know that managing finances can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $9,602,681 in loans available to help our members manage their daily expenses effectively. Our credit cards come with competitive rates and rewards that make spending smarter.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $38,235,739, which can help ease the path toward owning your dream home. We also provide refinancing options for those looking to lower their monthly payments or access cash from their home's equity.

Loan Aggregator

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HENRICO FEDERAL CREDIT UNION