Homebase Credit Union Chester VA | Best Auto Loans & Business Banking

Introduction

Welcome to Homebase, your trusted financial partner in Chester, Virginia! Located at 13200 Bermuda Orchard Lane, we have proudly served our community since 1952. With a commitment to providing personalized banking services, we cater to the financial needs of our 17,184 members. Whether you're looking for auto loans, mortgages, or personal banking solutions, we have a wide range of products designed just for you. At Homebase, we believe in building strong relationships with our members. Our dedicated team of 56 employees, led by CEO Clint Summers and Board President Glenn Horst Jr., is always ready to assist you. Together, they ensure that every interaction reflects our core values of trust and reliability. Our financial strength speaks volumes: we boast total assets of $272,189,017 and total deposits amounting to $19,811,842. We understand how important it is for you to have access to your funds when you need them; that's why we maintain a robust cash reserve of $1,525,258. Additionally, we offer a variety of loan options with a total loan portfolio of 9,458, ensuring that whether you're buying a new car or refinancing your home, we've got you covered. While members can visit us at our branch location for face-to-face assistance and support during our operating hours Monday and Tuesday from 9 AM to 5 PM, Wednesday from 10 AM to 5 PM, and Thursday and Friday from 9 AM to 5:30 PM official correspondence should be sent to our mailing address at 13200 Bermuda Orchard Lane, Chester, VA 23836. Ready to take the next step in your financial journey? Visit us online at Homebase Credit Union or give us a call at 804-452-0736 today! Your path to better banking starts here!

Branch History & Mission

At Homebase, we believe in the power of community and the importance of personal connections. Our Chester Branch has been serving the residents of Chester, VA, since 1952. Over the years, we've grown from a small credit union into a trusted financial institution with over 17,000 members and assets totaling $272,189,017. This journey has been marked by our commitment to providing exceptional service and support to our community. Located at 13200 Bermuda Orchard Lane, our branch is conveniently situated near local landmarks that many residents know well. Whether you're stopping by for a quick transaction or to discuss your financial goals with one of our knowledgeable staff members, you'll find a welcoming environment where your needs are our top priority. For official correspondence, please send your letters to 13200 Bermuda Orchard Lane, Chester, VA 23836. Our mission at Homebase is clear: we strive to provide accessible financial services while fostering strong relationships within our community. We focus on offering personal banking solutions such as checking and savings accounts, auto loans, mortgage loans, and more. But beyond just banking services, we are dedicated to supporting local initiatives and outreach programs that uplift our neighbors and enhance the quality of life in Chester. As we have evolved through the years, we've embraced digital advancements that make banking easier for everyone. Our online banking platform allows you to manage your accounts anytime from anywhere. We offer features like mobile payments and electronic signatures for added convenience. Additionally, our branch complies with ADA standards to ensure all members can access our services comfortably. Our commitment doesn't stop at technology; we also believe in being there for you when it counts. With both ATM availability and drive-thru banking options at your convenience, managing your finances is straightforward and hassle-free. Homebase fosters partnerships with local organizations to better serve our community's needs. Through outreach efforts and educational workshops on financial literacy, we aim to empower individuals with knowledge that will help them thrive financially. We invite you to join us at Homebase. Experience firsthand the difference of being part of a credit union that prioritizes its members and community above all else. Whether you're looking to open an account or need assistance with loans or other services, we are here for you every step of the way. Feel free to contact us at 804-452-0736 or visit our website here for more information on how we can assist you!

Branch Location & Accessibility

Operating Hours

At Homebase, we want to make banking as easy as possible for you. Our lobby hours are designed with your schedule in mind: we're open Monday and Tuesday from 9 AM to 5 PM, Wednesday from 10 AM to 5 PM, and Thursday and Friday from 9 AM to 5:30 PM. Whether you prefer to pop in during your lunch break or after work, we're here for you!

Services Offered

When you visit our Chester Branch, you'll find a range of services tailored to meet your financial needs. From personal banking solutions like checking and savings accounts to auto loans and mortgages, we've got you covered. You can also take advantage of our convenient drive-thru banking service for quick deposits and withdrawals without leaving your car. And don't forget about our ATM access available for cash withdrawals and balance checks whenever you need it! If you're ready to experience friendly service and expert financial guidance, we encourage you to stop by or give us a call at 804-452-0736. Our team is eager to help you with all your banking needs!

Member Eligibility

Welcome to the wonderful community at Homebase! If you're looking to join a supportive and friendly financial family, becoming a member is easier than you might think. At Homebase, eligibility extends to those who live, work, worship, or attend school in our local area. Whether you're new to credit unions or just looking for a better banking experience, we're here to help you every step of the way. To learn more about what it takes to become a member, check out our detailed eligibility guidelines at https://www.homebasecu.org/resources/about/membership-eligibility . Once you're ready to open an account, simply visit our website for a straightforward application process: https://www.homebasecu.org/loans/home/apply-for-a-mortgage . If you have any questions or need assistance, feel free to give us a call at (804) 452-0736. We look forward to welcoming you into our 13200 Bermuda Orchard Lane Chester Va 23836 branch soon!

Business Banking & Commercial Services

Merchant Services Made Easy

In today's fast-paced world, efficient payment solutions are essential for success. With our merchant services, you can easily accept payments from customers, whether they prefer card transactions or mobile payments. This means quicker sales and happier customers, giving you more time to concentrate on running your business smoothly. Located at 13200 Bermuda Orchard Lane Chester Va 23836 in Chester, VA, we're here to help you navigate your financial journey. Reach out to us at (804) 452-0736 to learn more about how we can assist your business today!

Tailored 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 resources to purchase new equipment or expand your storefront. Our loans can help turn those dreams into reality, allowing you to focus on what matters most growing your business.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're in the market for a new car or need financing for a vehicle, our Auto Loans & Vehicle Financing options make the process smooth and straightforward. Picture driving off in your dream car with an affordable loan tailored just for you! We strive to provide competitive rates that help you keep your monthly payments manageable.

Business Banking

For business owners, our Business Banking solutions include Merchant Services and Business Loans tailored specifically for your needs. We know how crucial it is for businesses to have reliable banking support, and we're here to provide that foundation.

Convenient Access

At Homebase, convenience is key. Our Online & Mobile Banking services allow you to manage your accounts from the comfort of your home or while on the go. You can easily check balances, transfer funds, and even pay bills all at your fingertips! Additionally, our ATM & Cash Withdrawal Services ensure that you have access to cash when needed. If you're short on time, utilize our Basic Drive-Thru Banking for deposits and withdrawals without stepping out of your vehicle. With so many services designed with our members in mind, we invite you to explore everything Homebase has to offer. For questions or assistance, feel free to reach us at (804) 452-0736. We're excited to be part of your financial journey!

Credit Cards with Rewards

We also offer Credit Cards with Rewards, allowing you to earn points or cashback on everyday purchases. Imagine getting rewarded simply for spending! It's a great way to turn regular shopping into extra benefits.

Home Financing

Thinking about buying a home? Our Mortgage Loans & Refinancing services are here to assist you every step of the way. Whether you're a first-time homebuyer or looking to refinance your existing mortgage for better terms, our dedicated team is ready to help. With personalized support, we aim to make home ownership more accessible and less stressful.

Personal Banking

Starting with Personal Banking, we offer both Checking and Savings Accounts designed to fit various lifestyles. Imagine having a checking account that not only simplifies your everyday transactions but also offers features like online and mobile banking for easy access anytime, anywhere. Our savings accounts can help you grow your funds, making it easier to achieve those financial goals you've set.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. That's where our Personal Loans & Debt Consolidation come into play. These loans can help you consolidate multiple debts into one manageable payment, allowing you to regain control over your finances without added stress.

Digital & Online Banking

Accessible Anytime

No matter where life takes you, Homebase ensures that managing your account is straightforward and efficient. Our online banking services provide real-time updates so you can stay on top of your finances without missing a beat. With these tools at your fingertips, you'll find it easy to take control of your financial journey. Experience the future of banking today with Homebase! Visit us at https://www.homebasecu.org/ and discover how our digital services can simplify your financial life while keeping everything secure and user-friendly.

Key Features

Our services include e-statements that help you keep track of your finances without the clutter of paper. You can also use electronic signature authorization to quickly sign documents from anywhere, saving you time and hassle. Plus, with our mobile application available for download, banking on the go has never been easier. If you love making payments with your phone, you'll appreciate our mobile payments feature. It allows you to pay merchants directly from your mobile device without digging through your wallet. And when it comes to sending money to friends or family, our person-to-person transfer option makes it simple and fast no need for cash or checks.

Financial Strength

Commitment to Growth

With $27,531,421 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $5,790 in used auto loans and $148,115,625 in total loans and leases.

Growing Membership Base

Our commitment to service is evident through the trust placed in us by our members. With a total of 31,356 share accounts, we're proud to have 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, Homebase is your trusted partner. Visit us at 13200 Bermuda Orchard Lane Chester VA 23836 or call 804-452-0736 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.

Member Savings & Security

Your savings are secure with us! Members' savings are backed by $49,328,428 in share certificates and $22,124,190 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 net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 55 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundation

With a net worth of $27,531,421, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.11% 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 $55,211,053 in used vehicle loans and $21,674,600 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or prefer a reliable used one, we have options tailored for you.

Credit Lines

If you prefer flexibility in borrowing, our credit lines are available with a total amount of $17,575,381. These lines can provide you with quick access to funds when you need them most. At Homebase located at 13200 Bermuda Orchard Lane Chester Va 23836, we're committed to making financial assistance accessible and straightforward. For more information or to explore your options further, feel free to give us a call at 804-452-0736. 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 our community today and see how we can help you navigate your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide loans for Junior Lien 1-4 Family Residential Properties totaling $2,384,248, making it easier for you to secure your dream home. Plus, if you're interested in refinancing an existing mortgage, our team is here to guide you through the process.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $4,127,880 in loans helping members manage their finances effectively. This can be a great way to cover unexpected costs while building your credit history.

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 ensures that users receive fair and transparent offers when comparing loans. Each lender featured has been vetted for reliability, allowing you to trust the information presented.

HOMEBASE FEDERAL CREDIT UNION