Long Reach Credit Union Saint Marys WV | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Long Reach, your trusted financial partner located at 810 3Rd St, Saint Marys, WV 26170. Established in 1975, we have proudly served our community for nearly five decades, building lasting relationships with over 10,121 members who rely on us for their banking needs. With total assets of $155,013,177 and deposits amounting to $7,137,161, we are committed to providing a secure and supportive environment for all our members. At Long Reach, we understand the importance of financial stability. Our dedicated team of 29 employees is here to assist you with everything from personal banking services like checking and savings accounts to auto loans and mortgages. Under the leadership of CEO Steven Reed and Board President Gregory Arnott, we strive to create a welcoming atmosphere where everyone feels valued. In addition to traditional banking services, we offer online and mobile banking options for your convenience. Whether you need assistance with loans totaling 7,707 across various categories or simply want to make a deposit, we're here for you every step of the way. If you ever need to reach us, feel free to call at 304-684-7906. While you can visit us at our branch address for all your banking needs, please note that official correspondence should be sent to the same address: 810 3rd St, Saint Marys, WV 26170-1155. Join us at Long Reach today! Visit our website at lrefcu.org for more information or stop by to see how we can help you achieve your financial goals. Your journey towards financial wellness starts here!

Branch History & Mission

Community Focus

Long Reach is not just about transactions; it's about relationships. We actively seek partnerships within the community and engage in outreach efforts that support local initiatives. Whether through educational programs or charitable events, we are committed to uplifting those around us. We also understand the importance of convenience in today's fast-paced world. That's why we offer both ATM access and drive-thru banking services for quick transactions without any hassle. If you're looking for a credit union that values you as a member while providing robust financial services, consider joining Long Reach today! Experience firsthand how we can help you achieve your goals while being part of a caring community. Visit us or contact us at 304-684-7906 for more information on how you can become a member of Long Reach!

Our Mission

Our mission at Long Reach is simple yet powerful: to empower our members and enrich our community. We believe that financial success should be accessible to everyone. That's why we offer competitive rates on loans and deposits along with convenient digital banking options like online and mobile banking. Our commitment extends beyond just numbers; we aim to make a real difference in the lives of those we serve. While members can visit us at our branch address, official correspondence should be sent to our mailing address at 810 3rd St, Saint Marys, WV 26170-1155. We're here to provide you with essential banking services from Monday to Friday between 9 AM and 4:30 PM and Saturday from 9 AM to 12 PM.

Branch Location & Accessibility

Comprehensive Services at Your Fingertips

At Long Reach, we offer a variety of services tailored to meet your needs from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. Need to make a quick deposit or withdrawal? Utilize our drive-thru service for simple transactions without leaving your car. Plus, with ATM access available right on-site, managing your cash flow has never been easier! If you're part of a partner credit union, don't forget about our shared service center. This gives you access to basic transactions like deposits and withdrawals even if you're not a member of Long Reach.

Convenient Access and Parking

At Long Reach, we understand the importance of convenience. Our location offers ample parking space, making it easy for you to visit us without any hassle. We are committed to ensuring everyone can access our services comfortably, which is why our branch is ADA compliant. This means you can count on features like ramps and accessible pathways as you come in.

Get in Touch

Ready to see how we can help? Give us a call at 304-684-7906 or visit us at our branch! While members can visit us at 810 3Rd St, official correspondence should be sent to our mailing address: 810 3rd St, Saint Marys, WV 26170-1155. We look forward to welcoming you into the Long Reach family!

Operating Hours That Work for You

We're here when you need us! Our lobby hours are Monday through Friday from 9 AM to 4:30 PM and Saturday from 9 AM to noon. This flexibility ensures that whether you're managing your day-to-day banking or planning for future goals, you can find the time that works best for you.

Member Eligibility

At Long Reach, we believe that becoming a member means joining a warm, supportive community where your financial goals are our priority. If you're looking to join us, you'll be glad to know that eligibility is accessible and straightforward. Generally, anyone who lives, works, or worships in the area around 810 3Rd St Saint Marys Wv 26170 can become a part of our credit union family. We invite you to explore more about these details by visiting our eligibility page at http://www.lrefcu.org/membership. Once you're ready to take the next step, opening an account is as easy as pie! You can start the process online by following this link: https://app.consumer.meridianlink.com/apply.aspx?lenderref=lrfcu062122. Should you have any questions or need assistance along the way, don't hesitate to reach out to us at (304) 684-7906. Joining Long Reach opens the door to a variety of financial products and personalized service designed just for you!

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 $2 in non-member commercial loans, providing flexible financing solutions. Whether you're looking for a small loan to cover day-to-day expenses or larger financing options for significant projects, we're here to help you find the right fit.

Merchant Services

In addition to loans, we offer merchant services that simplify payment processing. Picture this: you own a local café and want to streamline transactions for your customers. Our services allow you to accept card payments easily, ensuring a smooth checkout experience. This not only saves time but also helps enhance customer satisfaction. If you're ready to take your business operations up a notch, visit us at 810 3Rd St Saint Marys Wv 26170 in Saint Marys, WV, or call us at (304) 684-7906. Let's grow together!

Comprehensive List Of Services

Additional Services

At Long Reach, we also provide basic drive-thru banking for quick transactions like deposits and withdrawals. If you're a member of another partnering credit union, our shared branch transactions allow you to perform deposits and withdrawals with ease. Need cash? Our basic ATM access lets you make withdrawals or check balances without any hassle. We invite you to visit us at 810 3Rd St Saint Marys Wv 26170 or call us at (304) 684-7906 to learn more about how we can assist you with all your financial needs. At Long Reach, we're not just a credit union; we're your partner in achieving financial success. Join us today!

Business Banking

If you're a business owner, you'll appreciate our comprehensive business banking services, including merchant services and business loans. We understand that running a business comes with its own set of challenges, which is why we're here to support you every step of the way.

Digital and Convenient Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. You can easily check your balance, transfer money, or pay bills right from your smartphone or computer. Our ATM and cash withdrawal services ensure that accessing your funds is never an issue, whether you're at home or on the go.

Loans and Credit

For those needing extra funds, our personal loans and debt consolidation services provide a straightforward way to manage expenses or pay off high-interest debt. Plus, our credit cards with rewards give you the chance to earn points on everyday purchases turning your spending into benefits.

Personal Banking

Our personal banking services include checking and savings accounts designed to fit your lifestyle. Imagine having easy access to your money while earning interest on your savings. We also offer auto loans and vehicle financing options, making it simpler for you to get behind the wheel of your dream car without breaking the bank. If you're considering buying a home, our mortgage loans and refinancing options can help you secure the best rates available.

Digital & Online Banking

Convenient Online Services

With our user-friendly online banking platform available at https://lrefcu.org/, you can access your account 24/7. Check your balances, pay bills, and transfer money quickly and easily all from the comfort of your home or while you're out and about. Plus, our e-statements make it simple to stay organized without the clutter of paper statements.

Mobile Banking at Your Fingertips

On top of that, our mobile application allows you to bank anytime, anywhere. Need to send money to a friend? Our person-to-person transfer feature makes it seamless. You can also take advantage of mobile payments for quick transactions at stores that accept them. All these features are designed to give you real-time control over your finances.

Security You Can Trust

We prioritize your security with every transaction you make. While we do not currently offer electronic signature authorization, rest assured that all online interactions are protected with top-notch security measures. Your sensitive information is safe with us. In summary, whether you're managing daily expenses or planning for future goals, Long Reach offers accessible digital banking solutions tailored for you. Experience the ease of banking on your terms today!

Financial Strength

Commitment to Growth

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 commitment extends to supporting your financial goals as well; with $2,567 in used auto loans and $115,444,400 in total loans and leases, our lending capacity supports members' diverse needs. Our operational efficiency is reflected in our $541,386, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 29 full-time employees and 0 part-time employees who are always ready to assist you with a knowledgeable, committed team.

Growing Membership

Total Share Accounts: 20,698, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. 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 810 3Rd St Saint Marys Wv 26170 or call (304) 684-7906 to learn more about how we can help you achieve your financial goals.

Member Savings Secured

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.

Solid Financial Health

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.

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 make it easier for you to own the vehicle you want.

Business Loans

For business owners, while we currently have no outstanding commercial loans totaling $0, we understand the importance of having access to capital for growth and expansion. Our team is here to discuss future lending possibilities tailored specifically for your business needs. No matter which loan product you choose, our dedicated staff at Long Reach is committed to providing exceptional service and support throughout your borrowing experience. If you're interested in learning more about our offerings or checking your eligibility for any loan type, please feel free to contact us at 304-684-7906 or visit us at 810 3Rd St Saint Marys WV 26170. 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 look forward to helping you take the next step toward achieving your financial aspirations!

Credit Lines

If you're looking for additional flexibility in managing your finances, our total credit lines amount to $10,000,000. This option allows you to access funds when needed while only paying interest on what you use.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. While we currently do not offer Junior Lien 1-4 Family Residential Properties loans totaling $0, our team can guide you through various alternatives and eligibility options available for securing your dream home.

Unsecured Credit Card Loans

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. These cards come with competitive interest rates and rewards programs that enhance your spending power without the need for collateral.

Loan Aggregator

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LONG REACH FEDERAL CREDIT UNION - Saint Marys, WV

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