Ohio County Public Schools Credit Union Wheeling WV | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to Ohio County Public Schools Federal Credit Union, your trusted financial partner located at 280 Fulton St, Wheeling, WV 26003. Since our establishment in 1970, we have dedicated ourselves to serving our community and ensuring the financial well-being of our members. With a total membership of 675, we are proud to offer personalized banking services tailored to meet your unique needs. At OCPS Federal Credit Union, we understand that every member's financial journey is different. That's why we provide a wide array of services, including checking and savings accounts, auto loans, personal loans, and credit cards with rewards. Our commitment to you goes beyond just banking; it's about building lasting relationships and fostering a sense of community. As of now, our total assets stand at an impressive $5,776,912, with $325,215 in total deposits and a net worth of $638,557. We also manage a diverse portfolio of loans 407 in total ensuring that whether you're purchasing a new car or consolidating debt, we've got you covered. Our leadership team is here for you every step of the way. Led by CEO Jolene Stradwick and Board President Amy Murphy, our small but dedicated team of 2 employees works diligently to support your financial goals while providing excellent service during our operating hours from Monday to Friday, 8:30 AM to 4:30 PM. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to 280 FULTON ST, WHEELING, WV 26003. We're just a phone call away at 304-243-0499, ready to assist you with any questions or concerns. Join us today and experience the difference that comes from being part of a credit union that truly cares about its members. Visit our website at http://www.ocpsfcu.virtualcu.net for more information on how we can help you achieve your financial dreams!

Branch History & Mission

Welcome to the inspiring journey of Ohio County Public Schools, a credit union that has been a beacon of financial support and community spirit since its establishment in 1970. Located at 280 Fulton St, Wheeling, WV 26003, our branch has grown alongside the families and businesses we serve, creating a rich legacy of trust and commitment. From our humble beginnings with just a handful of members, we have blossomed into a thriving community institution with a total membership of 675. Over the years, we have steadily built our assets to an impressive $5,776,912, reflecting our dedication to providing sound financial services that empower our members. Our mission is simple yet profound: to improve the financial well-being of our members while fostering a sense of community. At Ohio County Public Schools, we believe that banking should be more than just transactions; it should be about building relationships. Our focus extends beyond offering essential personal banking services like checking and savings accounts, auto loans, and mortgages. We are dedicated to supporting local initiatives and partnerships that uplift our community. Whether it's through educational programs or local sponsorships, we strive to make a positive impact in Wheeling and surrounding areas. While members can visit us at 280 Fulton St, official correspondence should be sent to the same address. For your convenience, we operate Monday through Friday from 8:30 a.m. to 4:30 p.m., ensuring you have access to our services during your busy week. Although we currently do not offer ATM or drive-thru services, we provide online banking options for easy access to your accounts anytime. Our team is passionate about helping you achieve your financial goals. With personalized service at the heart of what we do, each member receives tailored advice that fits their unique situation. We understand the importance of keeping up with modern banking needs; hence, we offer online banking and person-to-person payment options for added convenience. As we look toward the future, we remain committed to enhancing our offerings while maintaining our core values. Join us at Ohio County Public Schools and experience a credit union where your needs come first, and your financial success is our priority. Together, let's build a brighter future for you and our community! For more information or assistance, don't hesitate to call us at 304-243-0499 or visit us online at www.ocpsfcu.virtualcu.net.

Branch Location & Accessibility

Welcome to the Ohio County Public Schools branch of Ocps Federal Credit Union, conveniently located at 280 Fulton St in the heart of Wheeling, WV. We're proud to serve our community with easy access to all your banking needs. Nestled near popular local landmarks, our branch is not only easy to find but also provides a welcoming environment for all members. While you can visit us at our main location for all your financial services, please remember that official correspondence should be sent to the same address: 280 Fulton St, Wheeling, WV 26003. Our dedicated team is here to assist you during our operating hours from Monday through Friday, from 8:30 a.m. to 4:30 p.m. Whether you're looking for personal banking solutions like checking and savings accounts or need assistance with auto loans and mortgage refinancing, we have you covered. Accessibility is key at our branch. We ensure that everyone can easily reach us with ADA-compliant features and convenient parking options available right outside our doors. Plus, we offer friendly drive-thru banking services to make your transactions even smoother although currently, we do not have an ATM on site. At Ocps Federal Credit Union, we are committed to providing personal service tailored to meet your needs. If you have any questions or would like to learn more about what we offer, don't hesitate to give us a call at 304-243-0499. Come visit us today; we look forward to welcoming you!

Member Eligibility

At Ohio County Public Schools, we believe that everyone deserves a chance to be part of a welcoming and supportive community. Becoming a member is simple and open to those who live, work, or attend school in Ohio County. If you share a connection with our vibrant area, we invite you to join us! Not only will you gain access to our friendly banking services, but you'll also enjoy the perks of being part of a member-focused organization that prioritizes your financial well-being. For more detailed eligibility criteria, feel free to check out this resource. When you're ready to take the next step and open your account, just reach out to us at (304) 243-0499. We're here to guide you through the process, making it as easy as possible. Visit us at our branch located at 280 Fulton St Wheeling Wv 26003 or give us a call during our operating hours from Monday to Friday, 8:30 a.m. to 4:30 p.m. We can't wait to welcome you into the Ohio County Public Schools family!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine being able to process payments quickly and efficiently while offering your customers multiple ways to pay. Our merchant services are designed to help you do just that. Whether you're a small shop or a larger enterprise, our solutions can simplify transactions and enhance customer satisfaction. Located at 280 Fulton St Wheeling Wv 26003 in Wheeling, WV, we are here to provide personalized service tailored to your unique needs. Contact us today at (304) 243-0499 to discover how we can partner with you on your journey to success!

Supporting Your Business 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. - 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

ATM & Cash Withdrawal Services

While we currently do not have ATMs available at our branch location, rest assured that cash withdrawal services can still be easily accessed through various partner networks in the area. We invite you to discover how Ohio County Public Schools can support your financial journey. For more information on our services or if you have any questions, don't hesitate to reach out at 304-243-0499. Visit us today and see how we can help you thrive financially!

Auto Loans & Vehicle Financing

When it comes to financing your next vehicle, we understand that every dollar counts. That's why we offer competitive auto loans and vehicle financing options. Picture yourself driving off in your dream car while knowing you secured an affordable loan with manageable monthly payments.

Business Banking Solutions

For business owners, we provide essential banking solutions including merchant services and business loans. Whether you're starting a new venture or looking to expand an existing business, we're here to support your journey with financing options that cater specifically to small businesses.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services that allow you to manage your finances on-the-go. Whether it's checking account balances or transferring funds between accounts, everything can be done with just a few clicks or taps.

Credit Cards with Rewards

Our credit cards come with rewards that make every purchase count. Whether you're shopping for groceries or planning a vacation, earn points that can be redeemed for travel or cash back. It's a great way to make the most out of your everyday spending.

Mortgage Loans & Refinancing

Buying a home is one of the biggest decisions you'll make. Our mortgage loans are designed to help first-time buyers and seasoned homeowners alike. If you're considering refinancing your existing mortgage to lower your payments or tap into your home's equity, our team is ready to guide you through the process.

Personal Banking

Our personal banking options include checking and savings accounts tailored for everyday needs. Whether you're saving for a special purchase or managing daily expenses, our accounts offer flexibility and ease. Imagine having access to your funds anytime through online banking, which allows you to check balances, transfer money, and pay bills from the comfort of your home.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. With our personal loans and debt consolidation services, you can tackle those costs head-on without the stress of high-interest rates from multiple creditors. We'll help you combine debts into one simple payment plan that fits your budget.

Digital & Online Banking

Key Features of Our Online Banking Services

With our robust online banking platform available at http://www.ocpsfcu.virtualcu.net, you can easily access your accounts 24/7. Whether you're checking your balance, transferring money, or reviewing recent transactions, everything is just a click away. For those who prefer paperless options, we offer e-statements to keep your records organized and easily accessible. Plus, you can enjoy the simplicity of person-to-person transfers, making it easy to send money to friends and family without needing cash or checks.

Real-Time Account Management

With Ohio County Public Schools' online banking services, managing your finances has never been easier. Our user-friendly interface allows for real-time account management so you can stay on top of your financial health without any hassle. Visit us today at http://www.ocpsfcu.virtualcu.net to explore all the ways we can help you streamline your banking experience!

Security and User-Friendliness

Your security is a top priority for us. While we currently do not support electronic signature authorization, our online banking system employs strong security measures to protect your information. You can bank with confidence knowing that your data is safe with us. Additionally, while we don't have a mobile application or mobile payments feature right now, our website is fully optimized for mobile use. You can log in and manage your account from your smartphone or tablet as easily as you would on a desktop.

Financial Strength

At Ohio County Public Schools, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our strong financial standing, which underscores our commitment to serving you effectively. With a net worth of $638,557, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1105 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 $0 in share certificates and $0 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. With $561,981 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 across various sectors with $2,626,535 in total loans and leases and 76 used auto loans. Our operational efficiency is reflected in our $0 net income, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 2 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Our total share accounts stand at 986, 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, Ohio County Public Schools is your trusted partner. Visit us at 280 Fulton St Wheeling WV 26003 or call 304-243-0499 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 $1,273,771 in used vehicle loans and $754,211 in new vehicle loans already helping members get on the road. Whether you're looking for a new ride or financing a reliable used car, our competitive rates can help make your purchase more affordable.

Mortgage Loans

Thinking about homeownership? While we currently do not offer Junior Lien 1-4 Family Residential Properties loans, we are here to assist you with other mortgage options and refinancing opportunities as they arise. We aim to simplify the process for our members who aspire to own a home.

Personal and Business Loans

In addition to auto and credit card loans, we offer personal loan options that provide cash for various needs. For business owners, while there are currently no outstanding commercial loans available at our branch, we are committed to supporting local businesses when the opportunity arises. At Ohio County Public Schools located at 280 Fulton St, Wheeling WV 26003, our team is ready to help you navigate your borrowing options. If you're interested in refinancing or would like to explore eligibility options for any of our loan products, please reach out! You can contact us at 304-243-0499 during our operating hours from Monday through Friday, 8:30 a.m. - 4:30 p.m. 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 assisting you on your financial journey!

Unsecured Credit Card Loans

Managing day-to-day expenses is easier with our flexible terms on unsecured credit card loans. We have facilitated $47,765 in unsecured credit card loans that help members manage their finances effectively. With no collateral required, these credit cards can be an excellent way to handle unexpected costs or build your credit score.

Loan Aggregator

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OHIO COUNTY PUBLIC SCHOOLS FEDERAL CREDIT UNION - Wheeling, WV

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