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

Introduction

Welcome to Long Reach, your trusted credit union located at 54 Main St, West Union, WV 26456. Since opening our doors in 1975, we've proudly served our community and built lasting relationships with over 10,421 members. Our commitment to providing reliable financial services is reflected in our impressive total assets of $167,593,440 and total deposits amounting to $17,229,783. At Long Reach, we understand that financial needs can vary from person to person. That's why we offer a diverse range of services including personal banking, auto loans, mortgages, and business banking solutions. Whether you're looking for a new vehicle or planning to buy your first home, our dedicated team is here to help you every step of the way. Led by our CEO Steven Reed and Board President Gregory Arnott, we take pride in fostering a culture of support and guidance for all our members. With a strong net worth of $16,880,805 and cash in hand totaling $2,459,756, you can trust that your finances are safe with us. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: 315 Main St, Middlebourne, WV 26149-9602. You can reach us easily at (304) 873-6900, or explore more about our offerings on our website at lrefcu.org. Join the Long Reach family today! We invite you to experience the benefits of being part of a community-focused credit union that truly cares about your financial success. Come visit us or give us a call we're here to help you achieve your goals!

Branch History & Mission

At Long Reach, we take pride in our rich history and commitment to serving the community of West Union, WV. Established in 1975, our credit union has grown from humble beginnings into a trusted financial partner for over 10,421 members. Located at 54 Main St, West Union, WV 26456, we are conveniently situated near local landmarks that make us a familiar part of the neighborhood. Our mission is clear: to provide our members with reliable financial services while fostering a spirit of community support and involvement. We understand that each member's needs are unique, which is why we offer personalized banking solutions ranging from checking and savings accounts to auto loans and credit cards with rewards. Our goal is not just to help you manage your finances but to empower you on your financial journey. Since opening our doors, Long Reach has continually adapted to meet the changing needs of our members. With total assets now exceeding $167 million, we have made significant strides in enhancing our services. We offer online and mobile banking options that allow you to manage your accounts anytime and anywhere. Additionally, we have an ATM available for your convenience and a drive-thru banking service for quick transactions. While members can visit us at our branch address, official correspondence should be sent to our mailing address at 315 Main St, Middlebourne, WV 26149-9602. We strive to ensure that all members feel welcome at Long Reach, which is why we maintain ADA compliance and provide shared service center availability for those who may need assistance. Our dedication extends beyond banking; we actively engage in community outreach initiatives that strengthen the ties between us and the neighborhoods we serve. We believe in building partnerships that uplift everyone in the area. As you consider joining Long Reach, know that you will become part of a supportive community focused on your financial well-being. Experience firsthand what it means to be a member of a credit union that truly cares about its people. Visit us today or check out our website at Long Reach for more information on how you can become part of our family!

Branch Location & Accessibility

Accessibility Features

At Long Reach, we prioritize accessibility for all our members. Our branch is fully ADA compliant, with ramps and designated parking available for those who need them. Whether you're visiting us for personal banking or utilizing our drive-thru services, we aim to make your experience as smooth as possible.

Call-to-Action

We invite you to come see us at Long Reach! Whether you're looking to open an account or simply have questions about our services, give us a call at 304-873-6900 or stop by during our operating hours. We look forward to serving you!

Operating Hours

We're here for you during convenient hours: Monday through Friday from 9:00 AM to 4:30 PM, and Saturday from 9:00 AM to 12:00 PM. This allows you plenty of time to manage your finances without feeling rushed.

Services Offered

Our branch offers a variety of services designed to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we have you covered. Plus, our drive-thru service ensures that quick transactions are just a lane away! If you're part of another credit union that participates in shared services, feel free to stop by for basic transactions.

Member Eligibility

Becoming a member of Long Reach is like joining a family that truly cares about your financial well-being. At our branch located at 54 Main St West Union Wv 26456, we believe that everyone deserves access to friendly, personalized service and exceptional financial products. To be eligible for membership, you simply need to live, work, worship, or attend school in our community. It's that easy! We welcome individuals from all walks of life because we know the unique stories and needs each person brings. Joining us not only connects you to a supportive network but also opens doors to amazing benefits like competitive loan rates and tailored banking solutions. You can learn more about the eligibility criteria by visiting our website at http://www.lrefcu.org/membership. When you're ready to take the next step, opening an account is simple just head over to https://app.consumer.meridianlink.com/apply.aspx?lenderref=lrfcu062122 or give us a call at (304) 873-6900 for assistance. We can't wait to welcome you into the Long Reach family!

Business Banking & Commercial Services

Loan Options That Empower Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. Imagine having access to funds that allow you to expand your operations or invest in new equipment this is what our loans can do for you. By partnering with us, you're not just getting a loan; you're gaining a supporter dedicated to your success.

Merchant Services Tailored for You

In today's fast-paced world, having efficient payment processing is vital. Our merchant services simplify transactions so you can focus on running your business. Picture this: customers walking into your store, making quick payments without hassle. This ease not only improves customer satisfaction but also boosts your sales. At Long Reach, located at 54 Main St, West Union, WV 26456, we are here to help you navigate the financial landscape with confidence. Contact us at 304-873-6900 to learn more about how we can assist you in taking your business to new heights!

Comprehensive List Of Services

Accessibility and Support

At Long Reach, we prioritize making banking accessible for everyone. Our friendly staff is always ready to assist you during operating hours: Monday through Friday from 9:00 AM to 4:30 PM and Saturday from 9:00 AM to 12:00 PM. You can reach us at 304-873-6900 if you have any questions or need assistance. We invite you to explore all that Long Reach has to offer by visiting our website at lrefcu.org or stop by our branch in West Union today! Whether you're opening a new account or seeking financing options, we're here to help you take the next step toward achieving your financial goals.

Business Banking Services

For local business owners, we offer specialized business banking services, including merchant services and business loans. These solutions help streamline your operations and support your growth ambitions.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking platforms. With these tools, you can easily check balances, transfer funds, and pay bills from anywhere at any time. Our members also enjoy access to an ATM for cash withdrawals and balance checks as well as basic drive-thru banking services for quick deposits and withdrawals. For those who travel or prefer flexibility, our shared branch transactions allow you to conduct basic banking activities at partner credit union locations across the country.

Personal Banking Solutions

Our personal banking services are tailored for individuals looking to manage their finances effectively. We provide checking and savings accounts that help you save for future goals while keeping your money accessible. If you're in the market for a new vehicle, our auto loans and vehicle financing options make it easy to get behind the wheel without breaking the bank. Additionally, for those considering homeownership or refinancing, our mortgage loans are designed to offer competitive rates and flexible terms. We understand that life can be unpredictable, so our personal loans and debt consolidation services are here to assist you in managing unexpected expenses or consolidating debt into manageable payments. Plus, our credit cards with rewards give you the opportunity to earn points on everyday purchases.

Digital & Online Banking

Key Features

Our 24/7 online banking services allow you to check balances, pay bills, and transfer funds whenever it suits you. Whether you're at home or on the go, our mobile application puts everything at your fingertips. You can also enjoy person-to-person transfers, making it easy to send money to friends or family with just a few taps. Security is a top priority for us. While we don't currently support electronic signature authorization, rest assured that your information is protected with robust security measures. Plus, opting for e-statements means you can access your financial documents quickly while reducing paper clutter. If you're someone who likes using mobile payments, you'll appreciate our integration of this feature into our services. It's perfect for quick purchases without the hassle of carrying cash or cards. We invite you to explore all these digital options and more by visiting https://lrefcu.org/. At Long Reach, we're dedicated to providing accessible, user-friendly banking solutions that fit seamlessly into your daily life. Your financial well-being is just a click away!

Financial Strength

Commitment to Growth

With $16,479,634 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 your financial goals with $2,551 in used auto loans and $115,228,790 in total loans and leases. Our operational efficiency is reflected in our $541,386, enabling us to continue offering competitive loan rates and solid financial products for you. We also take pride in having 35 full-time employees and 1 part-time employees who are always ready to assist you with knowledgeable service.

Financial Overview

With a net worth of $16,880,805, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.07% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Member Savings and Investments

Your savings are secure with us. We have $60,212,484 in share certificates and $6,513,891 in money market shares, which offer 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.

Strong Community Trust

We currently serve a growing member base with 21,407 total share accounts, reflecting the trust placed in us by our community. Net Shares (Funds available for lending and investments) stand at $0, reinforcing our commitment to your financial wellbeing. 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 54 Main St West Union Wv 26456 or call (304) 873-6900 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 $43,339,413 in used vehicle loans and $11,926,173 in new vehicle loans already helping members get on the road. We provide competitive terms for both new and used vehicle loans that make it easy for you to drive away in your desired car.

Credit Lines

For those needing extra flexibility with finances, our credit lines totaling $10,000,000 can help cover unexpected expenses or provide cash flow for planned purchases. At Long Reach, we pride ourselves on being more than just a lender; we're a partner in your financial journey. If you're interested in refinancing options or checking your eligibility for any of our loan products, feel free to reach out to us at 304-873-6900 or visit us online at Long Reach. 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 us assist you with your borrowing needs today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Although we currently do not have any Junior Lien 1-4 Family Residential Properties loans available, we're here to guide you through alternative financing options that may suit your needs.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $2,981,050 in loans helping members manage their finances effectively, our credit cards come with features designed for convenience and value.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency and reliability in the information provided. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions its goal is to provide unbiased results that genuinely reflect market conditions. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, allowing them to compare options and choose the best fit for their financial situation. 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!" Such testimonials highlight the effectiveness and trustworthiness of LendMesh as a loan 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.

LONG REACH FEDERAL CREDIT UNION - West Union, WV

Compare Loan Rates Near You

Loan rates in West Union, WV (26456)