Long Reach Credit Union Ellenboro WV | Best Auto Loans & Business Banking

Introduction

Welcome to Long Reach Credit Union, your trusted financial partner located at 165 E Washington Ave, Ellenboro, WV 26346. Since our establishment in 1975, we've been dedicated to serving our community with personalized banking solutions that cater to your unique needs. With a proud membership of over 10,121 individuals and total assets amounting to an impressive $155,013,177, we are committed to empowering our members through responsible lending and sound financial practices. At Long Reach, we understand that banking is more than just numbers it's about building relationships. Our team of 29 dedicated employees is led by CEO Steven Reed and Board President Gregory Arnott, who work tirelessly to create an environment where every member feels valued and supported. Whether you're looking for a personal loan, mortgage refinancing, or business banking services, we offer a range of options designed to help you achieve your financial goals. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to the same location: 165 E Washington Ave, Ellenboro, WV 26346. With total loans reaching 7,707, total deposits of $7,137,161, and a net worth of $16,061,545, we pride ourselves on our solid financial foundation. Our commitment goes beyond just providing services; we strive to make a positive impact in the lives of our members and the community at large. Discover the difference that comes with being part of Long Reach Credit Union. Visit our website at lrefcu.org for more information or give us a call at 304-869-4140. We invite you to join us on this journey towards better financial health!

Branch History & Mission

Welcome to the story of Long Reach, a credit union that has been serving the community of Ellenboro, WV since 1975. Established with a vision to empower local residents through accessible financial services, Long Reach has grown into a trusted institution with a rich legacy. Today, we proudly serve over 10,121 members and manage assets totaling $155,013,177. Our branch is conveniently located at 165 E Washington Ave, Ellenboro, WV 26346, making it easy for you to visit us. If you're sending us official correspondence, please use our mailing address at the same location. Over the years, we have evolved to meet the changing needs of our members while staying committed to our mission: to provide exceptional financial services that enrich lives and strengthen our community. At Long Reach, our mission goes beyond just banking. We strive to create meaningful connections and support initiatives that foster community growth. We believe in not only providing essential services like checking and savings accounts, auto loans, and mortgages but also in being an active partner in local outreach programs. Our dedication is reflected in our partnerships with various organizations that focus on education, health, and economic development within Ellenboro and surrounding areas. As we look back on our journey from a small credit union to a significant player in the local financial landscape, we celebrate milestones such as introducing online banking options and mobile payments for your convenience. These digital advancements allow us to serve you better while maintaining compliance with ADA standards so that everyone can access our services without barriers. Our branch features both ATM availability and drive-thru banking for easy access to your funds. We also offer shared service center capabilities for members of partner credit unions. With operating hours from Monday to Friday 9:00 am - 4:30 pm and Saturday from 9:00 am - 12:00 pm, we're here when you need us. In every aspect of what we do, we prioritize customer satisfaction and community well-being. We invite you to experience the benefits of membership at Long Reach. Join us today and discover how we can help you achieve your financial goals while being part of something greater a community-focused credit union dedicated to supporting you every step of the way! For more information or to become a member, please contact us at 304-869-4140 or visit our website at lrefcu.org.

Branch Location & Accessibility

A Range of Banking Options

At Long Reach, we offer a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgages, we've got you covered! Our shared service center also allows members from partner credit unions to perform basic transactions with ease. If you have any questions or need assistance, don't hesitate to reach out! You can give us a call at 304-869-4140. We invite you to come by and see how we can assist you on your financial journey. Your satisfaction is our priority, and we look forward to welcoming you soon!

Convenient Services and Features

Our branch offers ample parking, ensuring that your visit is hassle-free. We are committed to being ADA compliant with features like ramps for easy access. Plus, with both ATM availability and drive-thru banking options, you can handle your transactions swiftly and securely without stepping inside. You'll find that our operating hours are designed with your convenience in mind: we're open Monday through Friday from 9:00 AM to 4:30 PM and offer drive-thru service on Saturdays from 9:00 AM until noon. This flexibility allows you to bank when it suits you best.

Member Eligibility

At Long Reach, we believe that becoming a member is more than just opening an account; it's about joining a warm and welcoming community that supports your financial journey. If you're interested in becoming part of our family, you'll be pleased to know that membership is open to anyone who lives, works, worships, or attends school in our local area. We aim to make the process as simple as possible, ensuring you feel included every step of the way. To learn more about the specific eligibility criteria and see if you qualify, check out our detailed information at http://www.lrefcu.org/membership. Once you're ready to take the next step, opening an account with us is quick and straightforward. You can start your application online through this link: https://app.consumer.meridianlink.com/apply.aspx?lenderref=lrfcu062122. If you have any questions or need assistance, don't hesitate to reach out to us at (304) 869-4140. We're here to help you on your path to better financial health!

Business Banking & Commercial Services

Practical Merchant Services

Imagine having the tools to manage your transactions effortlessly. Our merchant services offer businesses like yours the ability to process payments securely and efficiently. This means you can focus on what you do best serving your customers while we handle the financial details. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses in our community. Let us partner with you to pave the way for your business success at Long Reach. Visit us at 165 E Washington Ave Ellenboro Wv 26346 or call us at (304) 869-4140 to learn more!

Supporting Your Growth

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. Additionally, we also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions that adapt to your needs.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need quick access to cash? With our ATM services, withdrawals are easy and convenient. You can check your balance or withdraw cash without any hassle.

Auto Loans & Vehicle Financing

If you're looking to purchase a new vehicle, our auto loans and vehicle financing options provide competitive rates that can save you money. We know how important it is to get reliable transportation, so our loan process is straightforward and efficient, making it easier for you to hit the road in no time.

Business Banking Services

If you're a business owner, we also offer specialized business banking services. From merchant services that simplify payment processing to business loans designed to help you grow, we're here to support local businesses in Ellenboro and beyond.

Credit Cards with Rewards

Looking to earn rewards while spending? Our credit cards offer great benefits including cashback on purchases and travel rewards. This makes them ideal for those who want to maximize their everyday spending while enjoying perks along the way.

Drive-Thru & Shared Branch Transactions

For members who prefer face-to-face service but are short on time, our drive-thru banking allows for quick deposits, withdrawals, and simple transactions. Plus, if you're a member of another partner credit union, our shared branch transactions make it easy for you to access your funds wherever you are. At Long Reach, we strive to make banking as convenient as possible while offering all the services needed under one roof. Explore how we can assist you by visiting us or checking out our website at https://lrefcu.org/. Don't hesitate; start your journey towards better financial health today!

Mortgage Loans & Refinancing

For those thinking about buying a home or refinancing an existing mortgage, our mortgage loans come with flexible terms and personalized service. We guide you through the process to ensure that you find the best option for your financial situation.

Personal Banking Solutions

Starting with personal banking, we offer a variety of checking and savings accounts designed to fit different lifestyles and financial situations. Whether you're saving for a special occasion or managing day-to-day expenses, our accounts come with features that make banking easy. Our online and mobile banking services allow you to check balances, transfer funds, and pay bills from the comfort of your home or on-the-go.

Digital & Online Banking

Key Services

Our online banking platform provides an array of features that make handling your finances simple. You can check your account balances, transfer funds between accounts, and even send money to friends and family with our person-to-person transfer option. Imagine being able to settle up with a friend for dinner without needing cash or checks it's all just a few taps away. If you prefer going paperless, you'll appreciate our e-statements feature. This allows you to receive your account statements electronically, reducing clutter while ensuring you have easy access to important financial documents whenever you need them.

Mobile Banking Made Easy

For those always on the go, our mobile application is available for download, giving you the power of banking right in your pocket. You can make mobile payments effortlessly and manage transactions with ease. Whether you're at home or out running errands, our app puts you in control of your finances. Security is always a priority for us. While we currently don't offer electronic signature authorization, rest assured that every transaction is safeguarded with top-notch security measures to protect your personal information. In short, Long Reach offers a user-friendly digital banking experience that prioritizes both convenience and security. Join us today and discover how easy it is to manage your money online!

Financial Strength

At Long Reach, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. Located at 165 E Washington Ave Ellenboro Wv 26346 in Ellenboro, WV, we are committed to providing reliable services that meet the needs of our community. With a net worth of $16,061,545, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.36% 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 $52,401,875 in share certificates and $6,354,198 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $696,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $13,980,439 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 $2,567 in used auto loans and $115,444,400 in total loans and leases, we're here to support your financial goals across various sectors. Our operational efficiency shines through with a net income of $541,386, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 29 full-time employees who are dedicated to serving you with knowledgeable support. In addition to this strong foundation, our total share accounts stand at 20,698, showing a 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, Long Reach is your trusted partner. Visit us at 165 E Washington Ave Ellenboro Wv 26346 or call (304) 869-4140 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $44,404,855 in used vehicle loans and $12,233,745 in new vehicle loans already helping members get on the road. We provide flexible financing options that can fit any budget, making it easier than ever to drive away in your ideal vehicle.

Credit Card Loans

Managing day-to-day expenses? We also offer flexible terms on unsecured credit card loans, with a total of $2,881,997 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits that add value to every purchase you make.

Credit Lines

For those who need additional flexibility, our credit lines totaling $10,000,000 provide a cushion for unexpected expenses or planned purchases. This option allows you to borrow as needed while only paying interest on the amount utilized. At Long Reach, we are committed to providing transparent and accessible loan solutions tailored to your unique financial situation. If you have questions about refinancing or eligibility options for any of our loan products, don't hesitate to reach out. For more information or to get started on your application process today, give us a call at 304-869-4140, or visit us at 165 E Washington Ave, Ellenboro WV 26346. 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 Long Reach be your partner in achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. While we currently do not have Junior Lien 1-4 Family Residential Properties loans available at this time, we encourage you to explore your eligibility for future opportunities.

Loan Aggregator

Building Credibility

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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 ensures fair and transparent offers, giving you confidence in your choices. LendMesh prioritizes user trust through several key features: - Verified Data: Loan offers come 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: Users receive up-to-date loan rates from multiple institutions, which helps them make informed decisions.

LONG REACH FEDERAL CREDIT UNION - Ellenboro, WV

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