Joy Employees Bluefield WV Credit Union | Affordable Vehicle Loans & Personal Banking

Introduction

Welcome to Joy Employees, your trusted financial partner located at 3140 E Cumberland Rd Ste 103, Bluefield, WV 24701. Since our establishment in 1969, we have been dedicated to serving our community and supporting our members with a range of personalized banking services. With over 134 members and total assets amounting to $449,564, we pride ourselves on being a cornerstone of financial stability and growth in Bluefield. Our commitment to you goes beyond just numbers. We offer various services, including personal banking solutions like checking and savings accounts, auto loans, mortgage refinancing, and even credit cards with rewards. Whether you're looking to finance a new vehicle or consolidate debt, we're here to help you navigate your financial journey. Under the leadership of CEO Jerry Gallogly and Board President Steve Chaffin, our small yet dedicated team of one employee is ready to assist you with any questions or needs you may have. You can reach us at 276-322-5454 during our operating hours from 7:30 AM to 3:30 PM on weekdays. While members can visit us at our branch location, official correspondence should be sent to our mailing address: P.O. Box 622, Bluefield, WV 24701. At Joy Employees, we understand that every member has unique financial goals. That's why we strive to create a welcoming environment where your needs come first. Join us today and discover how we can help you achieve your financial aspirations!

Branch History & Mission

Join Us!

As we look toward the future, we invite you to become part of our growing family at Joy Employees. Experience firsthand the difference that comes from being a member-driven institution focused on your success. Visit us today at 3140 E Cumberland Rd Ste 103 or give us a call at 276-322-5454. Together, let's build a brighter financial future!

Our Journey

Joy Employees has evolved significantly since its inception, always prioritizing the needs of our community. Over the years, we have adapted to changes in the financial landscape while maintaining our core mission: to provide accessible and reliable banking services that empower individuals and families to achieve their financial goals. We pride ourselves on being more than just a credit union; we are a part of your journey towards financial well-being. Our commitment extends beyond traditional banking. We strive to foster strong relationships through community outreach and partnerships that uplift those around us. Whether it's offering educational workshops or supporting local events, we believe in investing back into the community that supports us.

Our Mission

At Joy Employees, our mission is clear: we aim to provide exceptional financial services while nurturing a sense of belonging among our members. We understand that each member's needs are unique, which is why we offer a range of services including personal banking, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. Our goal is not just to help you manage your finances but to support you in achieving your dreams. We are proud to maintain high standards for accessibility and customer service. While we currently do not offer ATM or drive-thru services, our lobby hours are designed for your convenience from 7:30 AM to 3:30 PM on weekdays. For any correspondence, please send it to our mailing address at P.O. Box 622, Bluefield, WV 24701.

Branch Location & Accessibility

Convenient Features

At Joy Employees, we understand that accessibility is key for our members. Our location offers ample parking for visitors, ensuring a hassle-free experience when you come in for your banking needs. We are also committed to making our services accessible for everyone, featuring ADA-compliant facilities so that all members can enjoy their visit comfortably. Our lobby hours are designed to fit your busy schedule join us Monday through Friday from 7:30 AM to 3:30 PM. We invite you to stop by during these hours for personal banking services like checking and savings accounts, auto loans, and more.

Services Available

Though we do not currently offer ATM or drive-thru services at this location, our dedicated staff is ready to assist you inside the branch. From mortgage loans and refinancing options to credit cards with rewards and business banking solutions, we have tailored offerings just for you! If you have any questions or need assistance, feel free to call us at 276-322-5454. Our friendly team looks forward to helping you meet your financial goals! So why wait? Come visit us at Joy Employees today we're excited to welcome you into our community!

Member Eligibility

At Joy Employees, we believe that becoming a member is like joining a caring family that supports you in reaching your financial goals. If you're looking to be part of our community, it's pretty straightforward! Generally, anyone who lives, works, or attends school in the Bluefield area can become a member. We also welcome immediate family members of existing members, which makes it easy for families to stay connected while benefiting from our great services. Joining us at Joy Employees comes with fantastic perks, including personalized banking options and friendly service tailored to your needs. To get started with opening an account, simply reach out to us at (276) 322-5454 or visit our branch located at 3140 E Cumberland Rd Ste 103 Bluefield Wv 24701. For more detailed eligibility information, feel free to check out this link: . We're excited to welcome you into our community!

Business Banking & Commercial Services

Merchant Services That Make a Difference

In addition to loans, we offer merchant services designed to simplify transactions for your business. Picture this: a busy Saturday at your local shop. With our efficient payment processing solutions, you can serve customers quickly, keeping lines short and satisfaction high. This means more sales and happier clients a win-win! Located at 3140 E Cumberland Rd Ste 103 Bluefield Wv 24701 in Bluefield, WV, we're here to partner with you on your journey toward success. Reach out at (276) 322-5454 to learn how we can help your business thrive!

Tailored Business Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. Although we currently have no funds allocated to commercial loans, we are dedicated to exploring options that can help our members achieve their goals. Imagine being able to invest in new equipment or expand your team without the stress of financial strain this is what a well-structured loan can do for you.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

When it comes to purchasing a vehicle, our Auto Loans & Vehicle Financing services make the process smooth and straightforward. We offer competitive rates that help you drive away in your dream car without breaking the bank. Picture yourself cruising down the road, knowing you've made a smart financial choice.

Business Banking

If you're a business owner, our Business Banking solutions are designed to support your growth. From merchant services that make transactions easier for your customers to business loans that help fund expansion, we provide resources tailored specifically for small businesses.

Credit Cards with Rewards

Enjoy shopping while earning rewards with our Credit Cards with Rewards program. This card is perfect for everyday purchases, allowing you to earn points towards exciting rewards just by using it for your regular expenses.

Mortgage Loans & Refinancing

For those considering homeownership or looking to refinance their current mortgage, we provide expert guidance through our Mortgage Loans & Refinancing options. Whether you're buying your first home or looking to lower your monthly payments, our team will work with you every step of the way, ensuring you find the best solution.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features that allow you to manage your accounts anytime and anywhere. Check balances, transfer funds, and pay bills from the comfort of your home or on-the-go. As always, if you have any questions about our services or need assistance, don't hesitate to reach out at (276) 322-5454 during our operating hours from 7:30 AM to 3:30 PM on weekdays. At Joy Employees, we're more than just a credit union; we're part of your community and committed to helping you achieve financial success. Come visit us at 3140 E Cumberland Rd Ste 103 Bluefield Wv 24701, where we look forward to serving all your banking needs!

Personal Banking

Our Personal Banking options include checking and savings accounts tailored to fit your lifestyle. Imagine having easy access to your funds whenever you need them, whether it's for everyday purchases or saving for a special occasion. Our accounts come with features that help you keep track of your finances effortlessly.

Personal Loans & Debt Consolidation

Life can sometimes throw unexpected expenses your way. Our Personal Loans & Debt Consolidation services can help you manage those costs effectively. With flexible terms and affordable rates, you can consolidate debt into one manageable payment or take out a personal loan for whatever life throws at you.

Digital & Online Banking

Sub-section Name: Accessibility and Real-Time Management

Our focus is on making banking accessible and user-friendly for all members. With features like person-to-person transfers currently unavailable, we encourage you to reach out to our friendly staff for any assistance you might need in handling your transactions. While e-statements are not an option right now, you can always stay updated by contacting us directly. We believe in maintaining a personal touch, so if you have questions or need help with anything related to your account, feel free to call us at (276) 322-5454 during our operating hours from 7:30 AM to 3:30 PM, Monday through Friday. Our dedicated team is here to assist you! At Joy Employees, we're committed to providing you with the best possible service while ensuring that your banking experience remains safe and secure. Whether you're looking for help with loans or other banking services, know that we are here for you every step of the way!

Financial Strength

Growing Trust

Total Share and Deposit Accounts: 134, showing a strong and growing member base that trusts us with their finances. This trust is what drives us to continually improve our offerings. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Joy Employees is your trusted partner. Visit us at 3140 E Cumberland Rd Ste 103 Bluefield Wv 24701 or call (276) 322-5454 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $0 in share certificates and $0 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 $0 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 0 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $189,160 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 $17 in used auto loans and $351,268 in total loans and leases, we support members' financial goals across various sectors.

Solid Financial Health

With a net worth of $202,425, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $4,503 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 $194,871 in used vehicle loans and $67,049 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new vehicle or a reliable pre-owned option, our team is here to guide you through the process.

Business Solutions

For business owners, our outstanding commercial loans can provide the capital needed to grow and expand. Although there are currently no outstanding commercial loans, we are committed to offering competitive options when needed. Our team at Joy Employees is dedicated to ensuring that every member receives personalized service and support throughout their borrowing journey. If you have questions about any of our loan offerings or want to discuss your eligibility for refinancing options, please feel free to call us at (276) 322-5454. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to help you navigate your financial future with confidence!

Credit Options

In addition to auto and mortgage loans, we also provide unsecured credit card loans to assist you with managing your finances effectively. With a total of $0 in unsecured credit card loans available, our flexible terms are designed to fit your spending habits without overwhelming debt.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer various solutions, including Junior Lien 1-4 Family Residential Properties loans totaling $0. If you're considering refinancing your current mortgage, we can help you explore eligibility options that might save you money.

Loan Aggregator

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 strict adherence to regulatory guidelines guarantees fair and transparent offers for borrowers. By focusing on verified institutions, LendMesh prioritizes accuracy in every comparison.

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency and trustworthiness. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect real market conditions. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates across multiple institutions, empowering them to make better financial choices. 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!" Such testimonials highlight the effectiveness of using a reliable tool like LendMesh. 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.*

Joy Employees