Lithium Credit Union Bessemer City NC | Affordable Auto Loans & Business Banking

Introduction

Welcome to Lithium Federal Credit Union, where your financial well-being is our top priority. Located at 1111 Bessemer City Kings Mtn Hwy, Bessemer City, NC 28016, we have been proudly serving our community since 1956. With a strong commitment to our members, we have grown to support over 1,531 individuals and families in their financial journeys. At Lithium FCU, we understand that trust and reliability are the foundations of a great banking experience. That's why we manage total assets of approximately $14,542,466, ensuring that your deposits are secure and well-handled. Our impressive total deposits amount to $1,248,378, reflecting the confidence our members place in us. Led by our dedicated CEO, Eric Campbell, and Board President, Jackie Goode, our team of 5 employees is committed to providing personalized service tailored to your needs. We offer a variety of services including checking and savings accounts, auto loans, mortgage loans, personal loans, credit cards with rewards, and business banking options. While members can visit us at our branch location for assistance or inquiries, official correspondence should be sent to the same address: 1111 Bessemer City Kings Mtn Hwy, Bessemer City, NC 28016-9640. We invite you to explore how we can help you achieve your financial goals call us at 704-868-0890 or visit our website at LithiumFCU.org for more information. Join us today and experience the difference with Lithium Federal Credit Union where you're not just a member; you're part of our family!

Branch History & Mission

Community Commitment

Lithium isn't just about banking; it's about building relationships. We actively engage in local initiatives that support education and economic development within Bessemer City. By working together with local organizations, we aim to create a brighter future for all residents. With no ATM or drive-thru services currently available at this branch, we focus on providing personalized service inside our welcoming lobby. For those who prefer digital banking options, we offer online banking and mobile applications to ensure that your finances are always at your fingertips. Join us at Lithium today and experience the difference that comes from being part of a supportive financial family. Together, let's build a stronger community one member at a time! If you have any questions or wish to learn more about our services, feel free to reach out at 704-868-0890. We look forward to serving you!

Our Mission

Our mission is simple yet profound: to empower individuals and families by providing exceptional financial services while fostering a sense of community. We believe that everyone deserves access to affordable banking solutions and guidance that helps them make informed financial decisions. Through various community outreach efforts and partnerships, we strive to uplift those around us. While members can visit us at 1111 Bessemer City Kings Mtn Hwy, official correspondence should be sent to 1111 BESSEMER CITY KINGS MTN HWY, BESSEMER CITY, NC 28016-9640. Our operating hours are convenient for busy lifestyles; we welcome you Monday through Friday from 9:00 AM to 5:00 PM.

Branch Location & Accessibility

Welcome to Lithium Federal Credit Union, your friendly neighborhood banking partner located at 1111 Bessemer City Kings Mtn Hwy in the heart of Bessemer City, NC. Our branch is not just a place for transactions; it's a welcoming space where you can manage your finances comfortably. Situated near local landmarks, our convenient location makes it easy for members to drop by and take care of their banking needs. We understand that accessibility is important to our members. Our branch offers features designed to accommodate everyone, including ADA-compliant access to ensure that all individuals can visit us with ease. Parking is readily available, so you won't have to worry about finding a spot when you come to see us. At Lithium Federal Credit Union, we pride ourselves on our friendly service and convenient operating hours. You can visit us Monday through Friday from 9:00 AM to 5:00 PM. If you need assistance outside of these hours or have questions, feel free to give us a call at 704-868-0890. Our team is always ready to help you with personal banking options, auto loans, mortgage solutions, and much more. While members can visit us at our physical location for all their banking needs, please note that official correspondence should be sent to our mailing address at 1111 Bessemer City Kings Mtn Hwy, Bessemer City, NC 28016-9640. We invite you to stop by and discover how we can support your financial journey. Whether you're looking for checking and savings accounts or exploring loan options, our friendly staff is here to assist you every step of the way. Come experience the difference at Lithium Federal Credit Union!

Member Eligibility

Joining Lithium is like becoming part of a family that truly cares about your financial well-being. To become a member, you simply need to meet certain eligibility criteria, which can be easily checked on our website. We welcome anyone who lives, works, worships, or attends school in the local community. This means that if you're in the area around 1111 Bessemer City Kings Mtn Hwy Bessemer City Nc 28016, we invite you to explore the benefits of membership with us. Being part of Lithium opens up access to personalized banking services designed to help you achieve your financial goals. If you're ready to take the next step, opening an account is straightforward and welcoming! For more information on how to get started, feel free to reach out at (704) 868-0890 or visit our website for detailed criteria at . 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've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, our merchant services provide practical solutions for everyday transactions. Imagine running your restaurant smoothly by accepting payments effortlessly, or easily managing cash flow with quick access to funds from credit card sales. With our business banking solutions at 1111 Bessemer City Kings Mtn Hwy Bessemer City Nc 28016, located in Bessemer City, NC, you can focus on what you do best growing your business. Reach out to us today at (704) 868-0890 to explore how our services can benefit you!

Comprehensive List Of Services

Business Banking

For our business members, we provide essential services tailored to help small businesses thrive. Our Business Banking options include Merchant Services & Business Loans, which enable you to manage transactions seamlessly and secure financing when needed.

Connect With Us

Ready to explore how Lithium can support your financial journey? Give us a call at (704) 868-0890 or visit us in person during our operating hours from 9:00 AM to 5:00 PM on weekdays. Discover how we can help turn your financial goals into reality! Visit us online at Lithium Federal Cu for more details about our services and offerings.

Convenient Access

Accessing your funds is simple at Lithium. While we currently do not have ATM services available directly at our branch located at 1111 Bessemer City Kings Mtn Hwy Bessemer City Nc 28016, we ensure that all banking needs are met through our digital platforms. Our focus on Online & Mobile Banking means you can conduct transactions anytime without visiting the branch. In today's fast-paced world, convenience is key. That's why we also offer features like Mobile Payments and Person-to-Person transfers, making it easy for you to send money to friends or family with just a few taps on your smartphone.

Credit Solutions

We know that sometimes life throws unexpected expenses at us. That's why we offer Personal Loans & Debt Consolidation solutions to help you manage those costs effectively. Plus, for everyday purchases and rewards on spending, our Credit Cards with Rewards allow you to earn while you spend.

Personal Banking

Managing your personal finances has never been easier with our offerings. We provide Checking & Savings Accounts designed for everyday banking needs. You can easily access your accounts through our user-friendly Online & Mobile Banking platforms, allowing you to check balances, transfer funds, and pay bills from anywhere. Imagine being able to manage your finances right from your phone while enjoying a coffee at your favorite café! For those looking to invest in a new vehicle or refinance an existing one, our Auto Loans & Vehicle Financing options come with competitive rates that fit any budget. If you're considering purchasing a home, our Mortgage Loans & Refinancing services can guide you through the process, ensuring you understand each step along the way.

Digital & Online Banking

Key Features

Our mobile application makes banking even easier. You can manage your accounts right from your smartphone. Plus, if you're ever in need of quick cash transfers, our person-to-person transfer feature allows you to send money to friends or family instantly, right from your device. For those who prefer paperless options, we offer e-statements, allowing you to receive your bank statements electronically. This not only keeps your information secure but also helps reduce clutter at home. While we don't currently support electronic signature authorization, our other features ensure that your transactions are straightforward and efficient.

Security and Convenience

Security is our top priority. Our digital banking platform uses advanced security measures to protect your personal information while providing a user-friendly experience. You can feel confident knowing that managing your money online is safe with us. In addition to these features, our mobile payments option allows you to make purchases directly from your mobile device. Whether you're shopping or dining out, this convenient service makes it simple to pay without needing cash or cards. At Lithium, we're committed to providing an accessible and hassle-free banking experience. Join us today and discover how our digital banking solutions can help simplify your life!

Financial Strength

A Growing Community

With total share accounts reaching 2,591, we show a strong and growing member base that trusts us with their finances. Our commitment to your financial well-being is unwavering. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Lithium is your trusted partner. Visit us at 1111 Bessemer City Kings Mtn Hwy Bessemer City Nc 28016 or call (704) 868-0890 to learn more about how we can help you achieve your financial goals.

Investment in Growth

With $1,390,684 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, our lending capacity supports members' financial goals across various sectors with $280 in used auto loans and $11,586,665 in total loans and leases.

Member-Centric Savings

Members' savings are secured through $3,095,068 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $994,629, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $24,976 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 5 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Health

With a net worth of $2,147,510, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,477 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

Additional Financing Options

For those needing extra flexibility, we provide credit lines totaling $750,000. This option allows you access to funds whenever necessary without the need for a full loan application each time. Our dedicated team is available at (704) 868-0890 during our operating hours from 9:00 AM to 5:00 PM, Monday through Friday, ready to answer any questions or assist you with the loan application process. 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 Lithium, we aim to provide not just financial products but peace of mind and support throughout your financial journey. Reach out today and let us help you find the best lending solution for your needs!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $3,786,701 in used vehicle loans and $1,357,377 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, our team is here to guide you through the process.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $4,303,805, make buying or refinancing simple. We believe that everyone deserves the chance to own their home, and our mortgage specialists are ready to assist you every step of the way.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $386,320 in loans helping members manage their finances effectively. These cards come with competitive rates and various rewards options, making it easier for you to handle purchases as they arise.

Loan Aggregator

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LITHIUM FEDERAL CREDIT UNION