Nova Credit Union Charlotte NC | Affordable Auto Loans & Business Banking

Introduction

Welcome to Nova Credit Union, where our community comes first! Located at 3601 Mulberry Church Rd, Charlotte, NC 28208, we have been proudly serving our members since 1934. With a strong commitment to local families and businesses, we've built a solid reputation based on trust, reliability, and personalized service. At Nova, we understand that financial matters can be overwhelming. That's why our dedicated team is here to guide you through every step of your financial journey. Whether you're looking for checking accounts, savings options, auto loans, or mortgage solutions, we have tailored services designed just for you. Our assets total an impressive $119,720,367, reflecting the trust placed in us by our 11,189 members. Under the leadership of our CEO, Michelle Hayes, and Board President, Phillip Kridel, we continuously strive to foster a welcoming environment for all. Our knowledgeable staff of 47 employees is ready to assist you with all your banking needs. We are proud of our financial health as shown by our net worth of $20,242,363 and cash in hand amounting to $2,092,791. While members can visit us at our branch location for personal assistance or basic drive-thru banking services from 9:00 AM to 5:00 PM, you can also explore our digital offerings through online and mobile banking. If you need official correspondence sent to us, please direct it to the same address: 3601 Mulberry Church Rd, Charlotte, NC 28208. Join us at Nova Credit Union today! Call us at 704-392-3418 or visit our website at novacu.com for more information on how we can help you achieve your financial goals. Let's build a brighter future together!

Branch History & Mission

Community Commitment

At Nova Credit Union, we believe in giving back to the communities we serve. We actively engage in various outreach initiatives and partnerships that support local causes and foster community development. From financial literacy programs to local sponsorships, our goal is to uplift those around us. In addition to traditional services, we offer modern conveniences such as online banking and mobile payments, ensuring that all members can manage their finances easily and securely. Our branch is also equipped with ADA-compliant facilities and drive-thru banking options for added accessibility.

Join Us

As we look toward the future, Nova Credit Union remains committed to innovation and excellence in service. We invite you to join us on this journey toward financial empowerment. Discover how being a part of our credit union can benefit you and your family today! For more information about membership or services, feel free to reach out at 704-392-3418 or visit us online at novacu.com. Together, let's build a brighter financial future!

Our Mission

Our mission is clear: to enhance the lives of our members by providing exceptional banking services tailored to their unique needs. We strive to make banking simple and approachable for everyone. Whether you need personal banking solutions like checking and savings accounts or are looking for loans for your next vehicle or home, we are here for you. Additionally, we take pride in offering business banking services that help local businesses thrive. While members can visit us at 3601 Mulberry Church Rd, official correspondence should be sent to the same address as our mailing address. We invite you to experience our member-centric approach during our lobby hours from 9:00 am to 5:00 pm on weekdays.

Branch Location & Accessibility

Call-to-Action

If you have any questions or need assistance with any of our services, feel free to give us a call at 704-392-3418. We invite you to visit us at Nova Credit Union on Mulberry Church Rd where friendly faces are ready to assist you! Come see how we can help make your banking experience better today!

Nearby Landmarks and Accessibility

Nestled close to local landmarks, our branch makes banking easy and convenient. If you're in the area near the Charlotte Douglas International Airport or just off I-85, you'll find us right around the corner. We offer ample parking spaces to ensure that your visit is stress-free. Our facility is ADA-compliant, featuring ramps and accessible entrances so that everyone can access our services without difficulty.

Operating Hours and Services

At Nova Credit Union, we want to make sure your banking experience fits into your busy life. We are open Monday through Friday from 9:00 AM to 5:00 PM. This gives you plenty of time during the week to stop by and take care of your financial needs. Inside our branch, we offer a wide range of services tailored just for you. From personal checking and savings accounts to auto loans, mortgages, and credit cards with rewards there's something for everyone! Need quick transactions? Our drive-thru service ensures that deposits, withdrawals, and other simple transactions are just a car ride away. Plus, as part of our commitment to service excellence, we also have shared branching options available for partner credit union members.

Member Eligibility

Joining the Nova community is an exciting step toward achieving your financial goals! At Nova, we believe that everyone deserves access to quality banking services. To become a member, you simply need to meet a few friendly eligibility requirements. Whether you're a resident, employee, or student in our local area, there's a good chance you'll qualify. We warmly welcome anyone who values community and wants to benefit from our range of personalized financial services. Plus, as a member, you gain access to competitive rates and tailored products designed just for you. Ready to get started? Opening an account is easy! You can find all the necessary details about eligibility right here: https://www.novacu.com/general/ . If you have any questions or need assistance, feel free to call us at (704) 392-3418. We're here to help you take this important step toward financial well-being!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine having a streamlined payment process that keeps your cash flow steady and your customers happy. Our merchant services offer just that providing reliable payment processing options that fit your business needs. From point-of-sale systems to online payment solutions, we ensure you can focus on what matters most: growing your business. Visit us at 3601 Mulberry Church Rd Charlotte Nc 28208 in Charlotte, NC, or call us at (704) 392-3418 to learn how our business banking and commercial services can help turn your goals into reality!

Tailored 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. Additionally, 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.

Comprehensive List Of Services

Convenient Digital Solutions

We know how vital it is to access banking services anytime, anywhere. That's why our online and mobile banking features let you manage your accounts on the go. You can pay bills, transfer money, or even send money to friends with our person-to-person payment options all from your smartphone.

Drive-Thru Convenience

For those who prefer face-to-face interactions but have busy schedules, our drive-thru banking service offers a quick way to handle deposits, withdrawals, and simple transactions without leaving your vehicle. Plus, if you're a member of a partner credit union, you can take advantage of basic shared branch transactions right here at Nova.

Get in Touch!

If you're interested in learning more about any of these services or want personalized assistance, don't hesitate to reach out! Give us a call at (704) 392-3418 or visit us during our lobby hours from 9:00 am to 5:00 pm on weekdays. At Nova Credit Union, we're committed to helping you achieve your financial goals let's start that journey together today!

Personal Banking Made Easy

We understand that managing finances can be challenging. That's why we offer personal banking services, including checking and savings accounts that fit your lifestyle. Imagine having the flexibility to manage your money online or through our mobile app, making deposits and withdrawals at your convenience. For those considering purchasing a vehicle, our auto loans provide competitive rates and flexible terms, ensuring you find the perfect fit for your budget. If you're looking to buy a home or refinance an existing mortgage, our mortgage loans are designed to simplify the process and make homeownership attainable. And if you're dealing with debt, our personal loans can help consolidate and ease your financial burden.

Rewarding Credit Options

In today's world, credit cards are essential tools for many. That's why we offer credit cards with rewards that allow you to earn points on everyday purchases, adding value while you spend.

Supporting Local Businesses

At Nova, we also recognize the importance of local businesses in our community. Our business banking services include merchant services and business loans tailored for entrepreneurs looking to grow their ventures.

Digital & Online Banking

Key Services Available

Our online banking platform is user-friendly and accessible at any time through our website, which you can visit at https://www.novacu.com/ . This means you can check your balance, pay bills, or transfer money all from the comfort of your home or on the go. If you're looking for quick transactions, our person-to-person transfers allow you to send money to friends or family with just a few clicks. Plus, with our mobile payments feature, making purchases has never been easier simply tap your phone and go!

Security and Convenience

We take your security seriously. Our electronic signature authorization allows you to sign documents securely online, making processes quicker without compromising safety. You can also opt for e-statements, giving you a convenient way to manage your financial documents while reducing paper clutter. For those who prefer managing their accounts from their smartphones, our mobile application provides all the features you need right at your fingertips. Whether it's checking balances or making deposits, everything is easily accessible. With all these tools available at Nova, you'll enjoy real-time account management tailored to fit your lifestyle. Embrace the future of banking today!

Financial Strength

Commitment to Stability

With a net worth of $20,242,363, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,690 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Investing Back into Our Community

With $14,050,702 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 $1,086 in used auto loans and $72,046,131 in total loans and leases.

Member-Centric Savings

Members' savings are secured through $9,153,669 in share certificates and $16,528,192 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 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 41 full-time employees and 6 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Trustworthy Partnership

Total Share and Deposit Accounts: 19,779, showing a strong and 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, Nova is your trusted partner. Visit us at 3601 Mulberry Church Rd Charlotte Nc 28208 or call (704) 392-3418 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $21,019,181 in used vehicle loans and $6,307,696 in new vehicle loans already helping members get on the road. We offer competitive rates and flexible terms, making it easier than ever to drive off in the vehicle you want.

Credit Lines

If you prefer flexibility in your borrowing, our total credit lines amounting to $40,993,750 can be an excellent choice. You have access to funds whenever you need them without having to reapply each time. This way, you can take care of emergencies or make necessary purchases without stress. At Nova, we also offer refinancing options that could lower your monthly payments or help you pay off debt faster. If you're interested in learning more about eligibility requirements or would like assistance with the application process, feel free to reach out at (704) 392-3418. Our branch is conveniently located at 3601 Mulberry Church Rd Charlotte Nc 28208, Charlotte, NC, where our dedicated team is ready to assist you from 9:00 AM to 5:00 PM on weekdays. Visit us today or check out our website at Nova Credit Union for more information. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Together, let's navigate your path towards financial success!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $3,048,269, make buying or refinancing simple. We provide personalized support throughout the process, ensuring that you find the right mortgage solution for your needs.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $2,656,683 in loans helping members manage their finances effectively. These credit cards come with rewards and benefits designed to enhance your purchasing power while keeping your budget intact.

Loan Aggregator

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Real-Time Rate Comparisons

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Verified Data

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NOVA CREDIT UNION - Charlotte, NC