Henrico Credit Union Richmond VA | Top Business Loans & Auto Financing

Introduction

Welcome to Henrico, your trusted partner in financial growth and community support! Located at Bellwood Credit Union At Dscr, Richmond, VA 23297, we have been serving our members since 1967. With a commitment to fostering financial wellness, we proudly support over 30,860 members and manage total assets of $466,440,794. At Henrico, we understand that banking is more than just numbers; it's about building relationships and creating opportunities for our community. Our dedicated team of 85 employees, led by CEO Christopher Williams and Board President Frederick Overmann III, is here to ensure that your banking experience is personalized and fulfilling. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: 9401 West Broad Street, Henrico, VA 23294. With total loans amounting to 15,841, total deposits of $51,735,235, and a net worth of $44,197,231, we are well-equipped to provide a range of services tailored to meet your needs from personal banking solutions like checking and savings accounts to auto loans and mortgages. Our goal is to empower our members with the tools they need to achieve their financial dreams. Whether you're looking for assistance with debt consolidation or exploring business banking options, Henrico is here for you every step of the way. Feel free to reach out at 804-545-7833 or explore our website at henricofcu.org for more information. Join us today and discover the difference a member-focused credit union can make!

Branch History & Mission

Accessibility & Innovation

Our commitment to accessibility is evident in our range of services designed for everyone whether you prefer online banking or need assistance at one of our shared service centers. While we currently do not offer ATM services or drive-thru banking at this location, we ensure that all members can enjoy digital advancements like mobile payments and online account management. For official correspondence, please note that while you can visit us at Bellwood Credit Union At Dscr Richmond Va 23297, mail should be directed to 9401 West Broad Street, Henrico, VA 23294.

Join Us Today!

As we look toward the future, Henrico remains committed to providing exceptional service and innovative solutions tailored for you. We invite you to become part of our family! Visit us during operating hours Monday through Friday from 8:00 AM to 4:30 PM or give us a call at (804) 545-7833. Experience firsthand how Henrico can help you achieve your financial goals and build a brighter future together!

Our Journey

Since opening our doors, Henrico has been dedicated to meeting the needs of our members. With total assets reaching an impressive $466,440,794, we have consistently demonstrated our ability to adapt and thrive in a changing financial landscape. Our journey reflects not just growth in numbers but also a deepening connection with the community. As a part of Henrico's legacy, we have always focused on making banking easier for everyone. Our services include personal banking accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. We understand that every member's journey is unique, and we're here to support you every step of the way.

Our Mission

At the heart of Henrico is our mission: to enhance the financial well-being of our members while fostering community support. We believe that when our members succeed, so does the community around us. This commitment drives us to offer competitive rates and personalized service that truly makes a difference. We're more than just a credit union; we are your neighbors. Through various outreach efforts and partnerships with local organizations, we actively contribute to making Richmond a better place for all. Whether it's through educational workshops or community events, we strive to be an integral part of your financial journey.

Branch Location & Accessibility

Easy Access and Parking

Our location is designed with accessibility in mind, featuring ADA-compliant entrances and ramps to ensure everyone can visit us comfortably. Plus, we offer ample parking space for your convenience, making it easy to pop in whenever you need assistance.

Operating Hours That Fit Your Schedule

At Henrico, we understand that life can get busy! That's why we're open Monday through Friday from 8:00 AM to 4:30 PM. Although we're closed on weekends, our weekday hours provide plenty of time for you to come in and take care of your banking needs.

Services Just for You

While visiting our branch, you'll find a range of services tailored to meet your financial goals. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans, mortgages, or credit cards with rewards we're here to help! Additionally, our shared service center allows members of partner credit unions to conduct basic transactions such as deposits and withdrawals right here. If you have any questions or would like more information about what we offer, please don't hesitate to reach out! You can give us a call at 804-545-7833. We look forward to welcoming you into the Henrico family come see us soon!

Member Eligibility

At Henrico, we believe that everyone deserves the chance to belong to a supportive financial community. Joining us as a member is simple and welcoming! If you live, work, worship, or attend school in our service areas, you're likely already eligible to become part of our family. We also welcome immediate family members of existing members, ensuring that your loved ones can benefit from all that we offer. Being a member means access to personalized banking services tailored just for you, from checking accounts to loans and more. To learn more about the specific eligibility criteria, please visit our detailed resource at http://www.henricofcu.org/faq/membership. Ready to open an account? The process is straightforward! You can start your journey by visiting us online at https://digital.henricofcu.org/enroll, or feel free to give us a call at (804) 545-7833 if you have any questions. We're here to help you every step of the way as you become part of the Henrico community at Bellwood Credit Union At Dscr Richmond Va 23297.

Business Banking & Commercial Services

Loan Options for Growth

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 expand your operations or invest in new equipment our loans can make those dreams a reality.

Merchant Services That Matter

In addition to loans, we offer robust merchant services that simplify payment processing for your business. Whether you're running a brick-and-mortar store or an online shop, our solutions can help you manage transactions efficiently, allowing you to focus on what you do best: serving your customers. If you're ready to take your business to the next level, reach out to us at (804) 545-7833. Let's work together to find the right financial solutions for you!

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and business owners, we offer a suite of Business Banking services, including Merchant Services and Business Loans. We know how crucial it is for businesses to have reliable financial support, so we work hard to ensure you have what you need to thrive.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why at Dscr, we provide robust Online & Mobile Banking features. Check your balance, transfer funds, or even pay bills from anywhere with just a few clicks or taps on your smartphone. Plus, our ATM & Cash Withdrawal Services ensure easy access to cash when you need it most. We also participate in basic shared branch transactions for partner credit union members, allowing deposits and withdrawals wherever they may be needed.

Get in Touch Today!

Whether you're looking for personal banking solutions or business support, Henrico has something for everyone. Our friendly team is ready to assist you! Visit us at Bellwood Credit Union At Dscr Richmond Va 23297, call us at (804) 545-7833, or check out our website here for more information on how we can help meet your financial needs. Join us in building a brighter financial future together!

Personal Banking Solutions

Our personal banking options start with Checking and Savings Accounts designed to help you manage your day-to-day expenses while also saving for future goals. Imagine being able to set up automatic transfers from your checking account to your savings, making it easier than ever to build an emergency fund or save for that dream vacation. For those considering a new vehicle, our Auto Loans and Vehicle Financing services make purchasing a car hassle-free. With competitive rates and flexible terms, we're here to help you drive away in the car you want without the stress of overspending. If homeownership is on your radar, look no further than our Mortgage Loans and Refinancing options. We offer personalized support throughout the mortgage process, ensuring you find the right plan that fits your budget and lifestyle.

Support for Personal Needs

Life can sometimes throw unexpected challenges your way. That's where our Personal Loans and Debt Consolidation services come into play. Whether you're consolidating debt or funding a special project, we provide solutions that empower you financially. Don't forget about our Credit Cards with Rewards, perfect for everyday purchases and earning points towards travel or cashback rewards. It's like getting rewarded for spending!

Digital & Online Banking

Key Services

With just a few clicks at https://henricofcu.org/, you can access a range of services tailored to meet your needs. Our 24/7 online banking allows you to check your account balance, pay bills, and transfer funds any time of day. Plus, with e-statements available, you can keep track of your financial activity while reducing paper clutter. Need to send money quickly? Our person-to-person transfers make it easy to send cash to friends or family without the hassle of writing checks or handling cash. And if you're looking for added flexibility, our mobile payments feature lets you pay directly from your phone, making transactions smoother than ever.

User-Friendly Features

We prioritize security in all our digital offerings. With electronic signature authorization, you can sign documents electronically, ensuring a quick and secure process without the need for paper forms. Our user-friendly mobile application gives you access to all these features right at your fingertips, so you can manage your account whenever you need. At Henrico, we're dedicated to providing accessible and efficient banking solutions. Our digital services give you real-time control over your finances while keeping your information safe and secure. Join us today and experience the ease of modern banking!

Financial Strength

At Henrico, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our financial strength, which reflects our commitment to serving you reliably and effectively. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 9.47% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. 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. With $33,679,969 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our commitment extends to supporting your financial goals with $6,717 in used auto loans and $260,877,496 in total loans and leases. Our operational efficiency is reflected in our $1,066,958, 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 team dedicated to your needs. Net Shares (funds available for lending and investments) stand at $0, while we boast a robust membership base with a total of 54,093 share accounts. This showcases the trust placed in us by our growing community of members. 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 Bellwood Credit Union At Dscr Richmond Va 23297 or call (804) 545-7833 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. We provide flexible terms and financing options that can fit your budget. Whether it's a brand-new model or a reliable used vehicle, our team is ready to help you secure the financing you need.

Credit Lines

In addition to our other offerings, we provide access to credit lines totaling $55,780,572. This option gives you the flexibility to borrow as needed while only paying interest on what you use. It's an excellent tool for managing cash flow and unexpected expenses. At Henrico, we believe in making finance accessible and understandable for everyone. If you're considering refinancing existing loans or want to know more about eligibility options, our knowledgeable staff is here to answer your questions and assist you throughout the process. For more information on any of our loan products or to discuss your specific needs, feel free to reach out at (804) 545-7833 or visit us at Bellwood Credit Union At Dscr Richmond Va 23297 in Richmond, 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. Let us help you take the next step toward achieving your financial dreams!

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 guide you through the mortgage process, ensuring you understand each step and helping you find the right loan for your situation.

Unsecured Credit Card Loans

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. These cards come with no collateral requirement and can be an excellent option for managing everyday expenses or making larger purchases without dipping into savings.

Loan Aggregator

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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 commitment to using verified information ensures that users receive fair and transparent offers. By tapping into reliable data streams, LendMesh provides users with an honest look at their options.

HENRICO FEDERAL CREDIT UNION - Richmond, VA

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