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

Introduction

Welcome to Nova Credit Union, your trusted financial partner in the heart of Kannapolis, NC. Since our establishment in 1934, we have been dedicated to serving our community with a commitment to reliable banking solutions and exceptional member service. Located at 169 Dale Earnhardt Blvd, we invite you to explore how we can help you achieve your financial goals. At Nova, we take pride in our strong membership base of over 11,000 members and total assets reaching an impressive $119,720,367. Our focus is not just on numbers; it's about building relationships and making a positive impact in the lives of our members. With total deposits amounting to $6,794,652 and cash in hand of $2,092,791, we are well-positioned to provide the support you need whether you're looking for auto loans, mortgages, or personal banking services. Led by our CEO Michelle Hayes and Board President Phillip Kridel, our team of 47 employees is here to offer personalized guidance tailored to your unique needs. We understand that every financial journey is different, which is why we emphasize a member-focused approach in everything we do. While you can visit us at our branch for all your banking needs, please note that our official correspondence should be sent directly to the same address: 169 Dale Earnhardt Blvd, Kannapolis, NC 28081. Whether you're interested in opening an account or simply want to learn more about what we offer, don't hesitate to reach out! Call us at 704-934-2300 or visit our website at novacu.com for more information. Together, let's build a brighter financial future!

Branch History & Mission

Welcome to Nova Credit Union, a cornerstone of community support and financial empowerment in Kannapolis, NC. Established in 1934, our branch has a rich history of serving the financial needs of our members while fostering a sense of belonging and trust within the community. Over the decades, we have evolved alongside our members, adapting to their changing needs and ensuring that we provide services that truly make a difference. Located at 169 Dale Earnhardt Blvd, Kannapolis, NC 28081, our branch is easily accessible for all your banking needs. Whether you're visiting us for personal banking or looking to explore auto loans and mortgages, you'll find a welcoming environment where everyone is treated like family. Our branch's proximity to local landmarks makes it a convenient stop for members in the area. At Nova Credit Union, we take pride in our mission: to empower individuals and families through reliable financial services while actively supporting our community. With over 11,189 members and total assets reaching $119,720,367, we are committed to providing exceptional service tailored to your unique goals. We understand that financial decisions can be overwhelming; that's why we're here to guide you every step of the way. We offer a variety of services designed with our members in mind: from checking and savings accounts to auto loans and credit cards with rewards. We also provide online and mobile banking options for those who prefer digital access. Our branch features an ATM for easy cash withdrawals and drive-thru service for quick transactions. Nova Credit Union's commitment extends beyond just financial products; we actively engage in community outreach initiatives that uplift and support our neighbors. Through partnerships with local organizations, we contribute to programs that enhance education, health, and well-being. Our operating hours are from 9 AM to 5 PM, Monday through Friday, making it easy for you to drop by when it's convenient for you. If you have any questions or need assistance, feel free to reach out at 704-934-2300. As we look ahead, Nova Credit Union remains dedicated to evolving our services while staying true to our core values of integrity, community focus, and member satisfaction. We invite you to join us on this journey experience the benefits of being part of Nova Credit Union today! Visit us at novacu.com for more information on how you can become a member or explore our offerings further.

Branch Location & Accessibility

Welcome to Nova Credit Union, your friendly neighborhood financial partner located at 169 Dale Earnhardt Blvd in Kannapolis, North Carolina. Nestled in the heart of Cabarrus County, our branch is conveniently situated near popular landmarks, making it easy for you to stop by during your busy day. Whether you're heading to a local shop or just passing through, we're here to serve you! At Nova, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, including ramps and designated parking spots to ensure everyone can easily access our services. Plus, with convenient drive-thru banking available, you can take care of your transactions from the comfort of your vehicle. We understand that your time is valuable. That's why we're open Monday through Friday from 9 AM to 5 PM, providing ample opportunities for you to visit us when it suits your schedule. If you have any questions or need assistance, don't hesitate to call us at 704-934-2300 our team is always ready to help! For those who prefer cash transactions, we also offer ATM services on-site for quick withdrawals and balance checks. Additionally, if you're a member of another credit union, take advantage of our shared service center for basic deposits and withdrawals. While you can visit us at 169 Dale Earnhardt Blvd for all your banking needs, please note that we do not have a separate mailing address; however, all official correspondence should be directed to this location. Come see us today at Nova Credit Union! We look forward to welcoming you and assisting with all your banking needs!

Member Eligibility

Becoming a member of Nova is like opening the door to a welcoming community that values your financial well-being. If you're looking to join, you'll find that eligibility is quite accessible. You can become a member if you live, work, worship, or attend school in Cabarrus County or if you have a family member who is already part of our credit union family. This means that whether you're just starting out or looking for a supportive place for your financial needs, we're here for you. Joining us at Nova not only connects you with great financial products but also gives you access to personalized service and community-focused initiatives that truly make a difference. To get started on your membership journey, check out the details at https://www.novacu.com/general/ . We've made the process straightforward and easy; just give us a call at (704) 934-2300, and our friendly team will guide you through opening an account. You'll be part of something special right here at 169 Dale Earnhardt Blvd Kannapolis Nc 28081 in Kannapolis, NC!

Business Banking & Commercial Services

Merchant Services That Make Sense

Managing transactions should be simple and efficient. With our merchant services, you can easily accept payments, track sales, and manage inventory all in one place. Picture having more time to focus on what you love about your business, while we handle the financial side seamlessly. If you're located in the heart of Kannapolis at 169 Dale Earnhardt Blvd Kannapolis Nc 28081, stop by or call us at (704) 934-2300 to learn how Nova can support your business journey!

Tailored Loan Solutions

Imagine being able to invest in new equipment or expand your workforce without the stress of cash flow issues. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. Although we currently do not have outstanding commercial loans, we are eager to assist local businesses when opportunities arise.

Comprehensive List Of Services

Accessibility for Everyone

We understand that accessibility matters. That's why we also offer basic shared branch transactions for members from partner credit unions, allowing deposits and withdrawals no matter where you are. You can feel confident knowing that banking with us is straightforward. At Nova, we're committed to supporting our members' financial journeys in every way possible. Whether it's opening a new account or exploring loan options, we're here for you.

Business Banking Solutions

For our business members, we provide essential tools to help your venture thrive. With our merchant services and business loans, we cater to the unique financial needs of small businesses. This ensures you have the resources necessary to grow and succeed.

Embracing Digital Banking

In today's fast-paced world, convenience is key. That's why Nova Credit Union offers robust online and mobile banking features that allow you to manage your finances anytime, anywhere. You can easily access your accounts, pay bills, transfer funds, and even send money to friends through our person-to-person payment system. With our ATM services available at multiple locations, withdrawing cash is quick and easy. Our basic drive-thru service provides another layer of convenience for deposits and withdrawals without having to leave your car.

Get Started Today!

Ready to take advantage of all the wonderful services we offer? Call us at (704) 934-2300 or visit us at our branch located at 169 Dale Earnhardt Blvd Kannapolis Nc 28081 in Kannapolis, NC. We look forward to serving you!

Personal Banking Made Easy

Our personal banking services are designed with you in mind. We offer checking and savings accounts that help you manage your money efficiently. Need funds for a new car? Our auto loans and vehicle financing options can get you on the road without hassle. If homeownership is your goal, check out our mortgage loans and refinancing services that guide you through the process smoothly. If you're facing unexpected expenses or planning a big purchase, consider our personal loans and debt consolidation options. These services provide flexibility and support when you need it most. And don't forget about our credit cards with rewards they offer great benefits for your everyday spending.

Digital & Online Banking

Convenient Online Banking

With our 24/7 online banking services available at https://www.novacu.com/ , you can easily access your accounts whenever it suits you. Whether you're checking balances, transferring funds, or paying bills, everything is just a click away. Our platform is user-friendly and secure, ensuring that your personal information stays protected while you manage your finances with ease.

Go Green with E-Statements

Stay organized and eco-friendly by opting for e-statements. With Yes available, you can receive your account statements electronically, reducing paper clutter while keeping all your financial information at your fingertips.

Mobile Banking Made Easy

For those on the go, our mobile application provides all the features you need right in your pocket. With the ability to make mobile payments, you can pay for goods and services without needing cash or cards. Plus, if you ever need to send money to friends or family, our person-to-person transfer feature makes it simple and fast.

Sign with Ease

Need to sign documents? Our electronic signature authorization feature allows you to sign forms securely online, saving you time and hassle. You won't need to visit a branch or print out documents anymore! In short, Nova is committed to providing accessible, user-friendly digital banking options that fit into your lifestyle. Whether you're using our mobile app or logging into online banking from home, managing your finances has never been easier or more secure. Join us today and experience the convenience of modern banking!

Financial Strength

Commitment to Growth

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 your financial goals with $1,086 in used auto loans and $72,046,131 in total loans and leases.

Growing Member Base

Total Share Accounts stand at 19,779, showing a strong and growing member base that trusts us with their finances. This trust allows us to create more opportunities for all our members while maintaining a focus on exceptional service. 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 169 Dale Earnhardt Blvd Kannapolis Nc 28081 or call (704) 934-2300 to learn more about how we can help you achieve your financial goals.

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 take pride in having 41 full-time employees and 6 part-time employees ready to serve you with a knowledgeable, committed team.

Strong Financial Metrics

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.

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. Whether you're considering financing for a reliable used vehicle or a shiny new model, our team is here to assist you every step of the way.

Credit Card Loans

Managing daily expenses can be easier with our unsecured credit card loans, which total $2,656,683. These cards come with flexible terms designed to fit your budget and help you manage your finances effectively.

Credit Lines

For those needing more flexibility, our credit lines totaling $40,993,750 are available for various personal or business needs. These lines can provide you with quick access to funds when unexpected expenses arise.

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 aim to help you find the best path to secure your dream home with flexible terms and competitive interest rates.

Refinancing Options

If you're looking to lower your monthly payments or secure better rates, we also offer refinancing options across our loan products. Whether it's your auto loan or mortgage, our team can help guide you through eligibility requirements and find the best solution for your situation. Our dedicated staff at Nova, located at 169 Dale Earnhardt Blvd Kannapolis Nc 28081, is available to answer any questions you might have. You can reach us at (704) 934-2300 during our operating hours from 9 am to 5 pm. 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're here to support you as you take the next step in achieving your financial aspirations!

Loan Aggregator

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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 ensures that all offers are fair and transparent, allowing users to trust the information they receive.

NOVA CREDIT UNION