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

Introduction

At Henrico Credit Union, we believe in the power of community and the importance of financial trust. Established in 1967, our branch located at 3820 Nine Mile Rd, Richmond, VA 23223 has been a cornerstone for over 30,860 members who seek personalized banking solutions. With total assets exceeding $466 million, we are dedicated to providing our members with reliable financial services tailored to their unique needs. Our team, led by CEO Christopher Williams and Board President Frederick Overmann III, is committed to ensuring that your banking experience is both secure and fulfilling. Whether you're looking for personal banking options like checking and savings accounts or loans for your next vehicle, we're here to help you every step of the way. While members can visit us at our branch, official correspondence should be sent to the same address: 3820 Nine Mile Rd, Richmond, VA 23223. We encourage you to explore our offerings, which include auto loans totaling over 15,841, and deposits amounting to an impressive $51,735,235. With a net worth of $44,197,231 and ample cash reserves of $914,444, Henrico Credit Union stands ready to support your financial journey. Our dedicated staff of 85 employees is eager to assist you with everything from personal loans and credit cards with rewards to business banking solutions. We invite you to reach out or visit us today! For any inquiries or assistance, feel free to call us at 804-266-0290. Your financial success is our priority let's achieve it together! Visit us online at henricofcu.org for more information.

Branch History & Mission

A Legacy of Service

From the moment we opened our doors, our commitment has been to provide accessible and affordable financial services. Over the years, we've expanded our offerings to meet the changing needs of our members. Whether it's personal banking with checking and savings accounts or providing competitive auto loans and mortgages, Henrico is dedicated to ensuring that every member feels supported on their financial journey. Our mission is clear: to enhance the lives of our members by promoting financial well-being through exceptional service and community engagement. We believe that when our members thrive, so does the entire community. Our approach centers around understanding individual needs, offering personalized solutions, and fostering long-lasting relationships.

Community Impact

Henrico isn't just about banking; it's about making a difference. We actively participate in local events and partner with various organizations to support community development initiatives. Whether through financial education programs or outreach efforts aimed at helping those in need, our focus remains on creating positive impacts where they matter most. In addition to traditional banking services, we embrace technology to improve accessibility for all members. With features like online banking, mobile payments, and electronic signatures available, managing finances has never been easier. We're committed to being ADA compliant and ensuring that everyone can access our services without barriers.

Join Us

While you can visit us at 3820 Nine Mile Rd for all your banking needs, official correspondence should be sent to the same address as our mailing address: 3820 Nine Mile Rd, Richmond, VA 23223. Our friendly staff is here during lobby hours from 9:00 am - 12:00 pm on Monday, Tuesday, Thursday, and Friday; and from 10:00 am - 12:00 pm on Wednesday. We invite you to experience the benefits of being part of Henrico Credit Union. Together we can achieve your financial goals while supporting one another within this vibrant community. For more information or to become a member today, please call us at 804-266-0290 or visit our website. Let's build a brighter financial future together!

Branch Location & Accessibility

Convenient Access

Finding us is simple! You can easily reach our branch from major roads, and we offer ample parking for your convenience. Our location is also designed with accessibility in mind, featuring ADA-compliant facilities to ensure everyone can visit us comfortably. While members can visit us at 3820 Nine Mile Rd, official correspondence should be sent to the same address since our mailing address matches our branch address.

Operating Hours

We know your time is valuable, so we strive to make banking as easy as possible. Our lobby hours are set up to fit your busy schedule: we're open Monday, Tuesday, Thursday, and Friday from 9:00 am to 12:00 pm. On Wednesdays, we open a bit later at 10:00 am but still close at noon. Feel free to give us a call at 804-266-0290 if you have any questions about our services or hours!

Services Offered

At Henrico, we offer a variety of services tailored to meet your financial needs. Whether you're looking for personal banking options like checking and savings accounts, auto loans, mortgage refinancing, or even business banking services our team is ready to help! Plus, with ATM availability on-site, accessing your funds is quick and easy.

Visit Us Today!

We invite you to come by Henrico and experience our welcoming atmosphere firsthand. Whether you're interested in opening an account or just want to learn more about what we offer, we're here for you. Stop by soon we look forward to serving you!

Member Eligibility

At Henrico, we believe that everyone deserves a chance to be part of a friendly and supportive community. Becoming a member is not just about opening an account; it's about joining a family that cares for your financial well-being. You can become a member if you live, work, or worship in the Richmond area, as well as if you are related to someone who is already a member. This inclusive approach ensures that we welcome individuals from all walks of life, creating a diverse and vibrant membership base. For more detailed information on eligibility criteria, feel free to check out our resource at http://www.henricofcu.org/faq/membership . Getting started with us is simple! You can easily open your account online by visiting https://digital.henricofcu.org/enroll or by giving us a call at (804) 266-0290. Our team is here to guide you every step of the way so that you can enjoy all the benefits of being part of Henrico. From personal banking services to auto loans and mortgage options, we have what you need to achieve your financial goals right here at our branch located at 3820 Nine Mile Rd Richmond Va 23223. Join us today and experience the difference!

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 being able to purchase new equipment or invest in marketing strategies without the stress of cash flow issues. With our tailored loan products, you can take those steps confidently.

Merchant Services

In today's fast-paced world, efficient payment processing is crucial for success. Our merchant services simplify transactions, allowing you to focus on what you do best running your business. From accepting credit cards to managing online payments, we've got your back. No matter where you are on your business path, Henrico at 3820 Nine Mile Rd Richmond Va 23223 in Richmond, VA is ready to help you thrive. For more information, call us at (804) 266-0290 and discover how we can assist your growth today!

Comprehensive List Of Services

Digital Banking for Convenience

In today's busy world, convenience is key. That's why we've invested in robust Online & Mobile Banking features. With easy access to your accounts anytime, anywhere, managing your finances has never been simpler. You can perform transactions like cash withdrawals at our ATMs or check balances on the go, ensuring you stay connected with your money whenever you need.

Personal Banking Made Easy

Our personal banking services are crafted with you in mind. Open a checking or savings account that fits your lifestyle, allowing you to manage your money effortlessly. Need a vehicle? Our Auto Loans & Vehicle Financing options make it simple for you to drive away in the car of your dreams. If you're considering buying a home, our Mortgage Loans & Refinancing services provide competitive rates and personalized support throughout the process. For those looking to consolidate debt or fund a special project, our Personal Loans come with flexible terms tailored to fit your budget. Plus, don't forget about our rewarding Credit Cards, which offer perks that can enhance your spending experience.

Supporting Your Business Needs

At Henrico, we understand that small businesses are the backbone of our community. That's why we offer comprehensive Business Banking solutions including merchant services and business loans. We are here to support entrepreneurs like you with the financial tools necessary for success.

We’re Here for You

Our team at Henrico is dedicated to making banking easy and accessible. Whether you have questions about opening an account or need assistance with loans, don't hesitate to reach out at (804) 266-0290. We're here to help! Explore all that we have to offer and become a member today! Visit us online at Nine Mile or stop by our branch; we look forward to serving you!

Digital & Online Banking

Accessible Anytime, Anywhere

Whether you're using our mobile payments feature or accessing your accounts through our website, you can trust that Henrico has made it easy for you to manage your finances on your terms. Real-time updates let you keep track of your spending and savings effortlessly. Join us today and experience the convenience of banking that works around your schedule. At Henrico, we're here to support you every step of the way with technology that fits into your life seamlessly!

Key Services for Your Convenience

With our user-friendly online banking system, you can easily check your account balances, pay bills, and transfer funds all from the comfort of your own device. Need to send money to a friend? Our person-to-person transfer feature makes it simple and fast. Plus, if you're always on the move, our mobile application allows you to manage your accounts right from your smartphone. Security is a top priority for us. We utilize electronic signature authorization for transactions, ensuring that your personal information remains protected. Additionally, e-statements are available for those who prefer a paperless approach keeping your finances organized while reducing clutter.

Financial Strength

Commitment to Members First

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.

Lending Support for Your Goals

Our lending capacity supports members' financial goals across various sectors. With $6,717 in used auto loans and $260,877,496 in total loans and leases, we are well-equipped to assist you whether you're purchasing a new vehicle or planning a significant life investment.

Member-Centric Savings Options

Members' savings are secured through $97,377,458 in share certificates, offering stable and rewarding financial growth opportunities. Although we currently have $0 in money market shares, our focus remains on providing you with options that align with your financial goals.

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.

Reinvestment for Future 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. This commitment enables us to adapt and grow alongside your needs.

Strong Financial Position

With a net worth of $44,197,231, we maintain robust 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.

Trust Built Through Numbers

We proudly manage 54,093 total share accounts, showcasing a strong and growing member base that trusts us with their finances. Additionally, our net shares (funds available for lending and investments) amount to $0, reinforcing our ability to support your financial aspirations. 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 3820 Nine Mile Rd Richmond Va 23223 or call (804) 266-0290 to learn more about how we can help you achieve your financial goals.

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 purchasing a new or used vehicle, we provide flexible financing options tailored just for you.

Credit Lines

For those looking for more flexibility in their borrowing options, our credit lines totaling $55,780,572 give you access to funds as needed. This can be particularly useful for unexpected expenses or planned projects where you want to keep your cash flow steady. We're also here to help with refinancing options if you're looking to lower your monthly payments or adjust the terms of an existing loan. Our team is available to discuss eligibility and find solutions that work best for you. If you're interested in learning more about our loan offerings or have any questions, don't hesitate to reach out! You can contact us at (804) 266-0290, or visit us at 3820 Nine Mile Rd Richmond Va 23223 for personalized assistance. 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 Henrico, we're dedicated to serving our community's financial needs now and into the future.

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 aim to make your journey to homeownership as straightforward as possible, offering competitive rates and terms.

Unsecured Credit Cards

Managing day-to-day expenses can be challenging. That's 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 the freedom of accessing funds when you need them without worrying about collateral.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate 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 all comparisons are fair and transparent. Each loan offer is drawn from legitimate financial institutions, allowing users to trust that they are seeing genuine rates without hidden agendas.

HENRICO FEDERAL CREDIT UNION