Local Government Credit Union Lumberton NC | Affordable Vehicle Loans & Business Banking

Introduction

At Local Government in Lumberton, NC, we believe that financial services should not only be accessible but also tailored to the unique needs of our community. Since opening our doors in 1983, we've grown into a trusted financial partner for over 405,040 members, offering a wide range of services from personal banking to business loans. Located conveniently at 4400 Fayetteville Rd, Lumberton, NC 28358, our branch stands as a pillar of support for families and businesses alike. Our commitment to serving you is reflected in our robust financial foundation. With total assets exceeding $3.9 billion and total deposits of $244,874,183, we are well-equipped to help you achieve your financial goals. We proudly manage a substantial loan portfolio with 156,119 loans and leases, ensuring that there's always an opportunity for you to secure the funding you need. While members can visit us at our Lumberton address, official correspondence should be sent to 3600 Wake Forest Rd, Raleigh, NC 27609-7309. This ensures that your communications reach us promptly. Under the leadership of CEO Dwayne Naylor and Board President Aaron Noble, Jr., our dedicated team of 354 employees strives to make every interaction with us positive and impactful. Whether you're looking for checking and savings accounts or considering a mortgage or auto loan, we're here to guide you every step of the way. With a net worth of $356,601,470 and cash in hand totaling $839,973, we prioritize your security while investing in community growth. Our goal is simple: to empower our members through sound financial practices and exceptional service. We invite you to discover how Local Government can help you thrive financially. Feel free to reach out by calling us at 919-582-9560 or visit our website at www.lgfcu.org for more information. Let's work together towards your financial success!

Branch History & Mission

Mission Statement

At Local Government, our mission is clear: to provide accessible financial services while fostering a sense of community among our members. We believe in not only meeting your banking needs but also supporting local initiatives and outreach programs that make Lumberton a better place for everyone. Whether it's through partnerships with local organizations or community events, we are dedicated to making a positive impact. While members can visit us at 4400 Fayetteville Rd Lumberton Nc 28358, official correspondence should be sent to 3600 Wake Forest Rd, Raleigh, NC 27609-7309 if needed.

Our Commitment

In addition to traditional banking services, we embrace technology with options like online banking and mobile payments, ensuring that accessing your accounts is convenient and secure. Though we currently do not offer ATM or drive-thru services at this location, we are constantly looking for ways to enhance your experience. We invite you to join us at Local Government where your financial success is our priority. Explore what it means to be part of a credit union that values you as more than just an account holder; here you are family. Together, let's build a brighter financial future! For more information or assistance, feel free to reach out at (919) 582-9560 during our operating hours from 9 AM to 5 PM on weekdays. Discover the benefits of membership today!

Our Story

From our humble beginnings, Local Government has evolved into a trusted financial partner for many individuals and families in Lumberton and beyond. Over the years, we have celebrated numerous milestones, including expanding our services to offer personal banking, auto loans, mortgage options, credit cards with rewards, and business banking solutions. Each step of our journey has been guided by our mission to empower our members with the tools they need to achieve their financial goals. Our headquarters in Raleigh, NC, plays a vital role in supporting our operations, ensuring that we remain connected and responsive to our members' needs. We take pride in being part of a cooperative movement that prioritizes people over profits.

Branch Location & Accessibility

Welcome to Local Government! Conveniently located at 4400 Fayetteville Rd Lumberton Nc 28358 in the heart of Lumberton, NC, our branch is designed to serve you with ease and comfort. Whether you're heading to a nearby landmark or simply out running errands, stopping by is a breeze. While members can visit us at 4400 Fayetteville Rd Lumberton Nc 28358, official correspondence should be sent to our mailing address at 3600 Wake Forest Rd, Raleigh, NC 27609-7309. We pride ourselves on being easily accessible, with parking available right outside our doors and features that comply with ADA standards to ensure everyone can visit us without hassle. Our operating hours are set to accommodate your busy lifestyle. You can drop in from 9 AM to 5 PM, Monday through Friday. We understand that life can be hectic, so we aim to make your banking experience as straightforward as possible. Although we currently do not offer ATM services or drive-thru banking, our friendly staff is here to assist you with all your personal and business banking needs, including checking and savings accounts, auto loans, mortgage options, credit cards with rewards, and much more. If you have any questions or need assistance before your visit, feel free to reach out to us at (919) 582-9560. We can't wait to welcome you into our branch and help you with your financial journey!

Member Eligibility

At Local Government, we believe in building a welcoming community where everyone feels valued and empowered. Becoming a member is simple and open to individuals who work for local government entities, their families, or anyone residing in our service area. If you're looking for a financial partner that truly cares, you've come to the right place! Joining us means access to fantastic financial services designed with your needs in mind. You can learn more about the specific eligibility criteria by visiting our website at https://www.civicfcu.org/why-civic. Opening an account is just as easy! Just stop by our branch located at 4400 Fayetteville Rd Lumberton Nc 28358, or give us a call at (919) 582-9560 for more information on how to start your membership journey. We can't wait to welcome you into the Local Government family, where your financial well-being is our top priority!

Business Banking & Commercial Services

Business Loan Options

Imagine being able to invest in that new piece of equipment or expand your workspace without the stress of financial strain. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $537 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $7 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $205,318,219, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced market, efficient payment processing is crucial for any business. Our merchant services offer reliable solutions that help streamline transactions, making it easier for you to focus on what you do best running your business. From point-of-sale systems to online payment options, we ensure that you have the tools needed to thrive. Located conveniently at 4400 Fayetteville Rd Lumberton Nc 28358, Lumberton, NC 28358, we're here to help you navigate your financial journey. Connect with us today at (919) 582-9560 to learn how we can support your business ambitions!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Dreaming of a new car? Our auto loans and vehicle financing options can help turn that dream into reality. We offer flexible terms and competitive rates, making it simple for you to get behind the wheel of your desired vehicle. Picture driving off in that new car while knowing you've made a smart financial choice.

Business Banking Services

For our entrepreneurial members, we provide comprehensive business banking services, including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we understand the unique challenges businesses face and are committed to offering support tailored to those needs.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why at Local Government, we prioritize online and mobile banking solutions. You can manage accounts, pay bills, transfer funds, and even send money to friends seamlessly through our secure app anytime and anywhere. At Local Government, located at 4400 Fayetteville Rd Lumberton Nc 28358 in Lumberton, NC, we strive to be more than just a financial institution; we're your partner in navigating your financial journey. Have questions or want to learn more about how we can assist you? Don't hesitate to give us a call at (919) 582-9560 or visit us online at Lumberton. Let's take this journey together!

Credit Cards with Rewards

Enhance your purchasing power with our credit cards that come loaded with rewards. Every time you use your card, you're not just spending; you're earning points that can be redeemed for travel, merchandise, or cash back. It's an easy way to maximize your everyday spending.

Mortgage Loans & Refinancing

Buying a home is one of the most significant decisions you'll ever make. At Local Government, we offer mortgage loans and refinancing options that fit your lifestyle and budget. Our experienced team will guide you through the process, making it less daunting so you can focus on finding the perfect home.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, we have personal banking solutions designed just for you. With competitive interest rates and low fees, managing your finances has never been easier. Imagine effortlessly tracking your spending and saving goals through our user-friendly online and mobile banking platforms.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, but we're here to help with personal loans designed for various needs. Whether it's consolidating debt or funding a special project, our straightforward application process ensures quick access to funds when you need them most.

Digital & Online Banking

Embrace Mobile Payments

In today's fast-paced world, convenience is key. That's why we provide mobile payments through our app. This feature allows you to make purchases directly from your account no need for cash or cards. Just tap and go! At Local Government, we are committed to providing an accessible banking experience that fits into your busy lifestyle. With easy navigation and real-time updates on your account activity, managing your finances has never been simpler. Join us today and explore how our digital banking services can enhance your financial journey!

Key Features for Your Convenience

Our online banking services allow you to check your balances, transfer money, and pay bills from anywhere with internet access. You can also enjoy the convenience of person-to-person transfers, making it simple to send or receive money from friends and family without any hassle. Plus, with our mobile application, managing your finances is even easier; you can handle transactions and view statements right from your smartphone. Security is a top priority for us. While we currently do not offer electronic signature authorization, rest assured that all your online activities are safeguarded with robust security measures. For those who prefer going paperless, e-statements are available so you can easily track your transactions without cluttering your inbox.

Financial Strength

A Growing Community

Total Share Accounts: 702,172, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments stand at $42,869,471. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Local Government is your trusted partner. Visit us at 4400 Fayetteville Rd Lumberton Nc 28358 or call (919) 582-9560 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.

Commitment to Growth

With $286,368,987 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 members' financial goals across various sectors with $26,681 in used auto loans and $3,454,472,503 in total loans and leases.

Member Savings and Investments

Members' savings are secured through $1,237,551,005 in share certificates and $808,029,665 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $750,000, 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 evident with a net income of $-$21,753,499, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 354 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Our Financial Health

With a net worth of $356,601,470, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 8.91% 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 $391,623,974 in used vehicle loans and $141,786,686 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates to help you drive away with confidence.

Business Financing

For business owners, our outstanding commercial loans totaling $205,318,219 provide the capital needed to grow and expand. We recognize that businesses often need financial support to thrive, and we're committed to helping local entrepreneurs succeed. If you're considering refinancing options or want to know more about eligibility requirements, our knowledgeable staff is ready to assist you. You can reach us at (919) 582-9560 or visit us at our branch located at 4400 Fayetteville Rd Lumberton Nc 28358 in Lumberton, NC. At Local Government, we strive to make borrowing straightforward and accessible for everyone in our community. Let us help you find the right loan for your needs today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $324,783,918, make buying or refinancing simple. We understand that purchasing a home is one of the most significant investments you'll make, and our team is here to guide you through each step of the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $145,505,121 in loans helping members manage their finances effectively. This option is perfect for those looking to consolidate debt or cover everyday expenses without tying up collateral.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the effectiveness of using a reliable comparison tool. 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.

Ensuring 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 commitment to quality means users can trust that they are seeing fair and transparent offers. Each listing reflects current rates and terms, allowing for informed decision-making.

CIVIC FEDERAL CREDIT UNION - Lumberton, NC

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Compare Loan Rates Near You

Loan rates in Lumberton, NC (28358)

Introduction

Branch History & Mission

Mission Statement

Our Commitment

Our Story

Branch Location & Accessibility

Member Eligibility

Business Banking & Commercial Services

Business Loan Options

Merchant Services

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Business Banking Services

Convenient Online & Mobile Banking

Credit Cards with Rewards

Mortgage Loans & Refinancing

Personal Banking Solutions

Personal Loans & Debt Consolidation

Digital & Online Banking

Embrace Mobile Payments

Key Features for Your Convenience

Financial Strength

A Growing Community

Commitment to Growth

Member Savings and Investments

Operational Efficiency

Our Financial Health

Loan Offering

Auto Loans

Business Financing

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

Ensuring Accurate Comparisons

Customers Also Interested In: