O.M.C. Employees Credit Union Charleston TN

Introduction

At O.m.c. Employees' Credit Union, we believe that community matters. Nestled in the heart of Charleston, TN, at 1186 Old Lower River Rd Nw, we have proudly served our members since 1969. Our commitment to providing personalized financial services is reflected in our growing membership of over 2,000 dedicated individuals. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: PO Box 828, Charleston, TN 37310. With total assets exceeding $28.6 million and total deposits amounting to $6.3 million, we are equipped to support our members with a variety of financial products and services. Our lending capabilities include over 896 loans and leases, totaling more than $13.2 million. This demonstrates not only our strength as a financial institution but also our commitment to helping you achieve your goals. Our CEO, Stephanie Young, along with Board President Trendel Hodges, lead a dedicated team of six employees who are always ready to assist you with your financial journey. We take pride in maintaining a net worth of $2.8 million and having cash readily available at $246,130, ensuring that we can meet your needs promptly. At O.m.c. Employees' Credit Union, we strive to build lasting relationships with our members by offering exceptional service and understanding their unique financial situations. We invite you to experience the difference that comes from being part of a credit union that prioritizes its members above all else. Ready to take the next step? Call us today at 423-336-4331 or explore more about what we offer on our website: omcecu.com. Let's work together towards your financial success!

Branch History & Mission

A Commitment to Community

Located at 1186 Old Lower River Rd NW in beautiful Charleston, TN, our branch is more than just a financial institution; it's a cornerstone of the community. We are dedicated to providing personalized financial services that make a difference in people's lives. Our mission is clear: to foster financial wellness and support for all members by offering accessible banking options and educational resources. Our operating hours from 7:30 AM to 4:30 PM on weekdays ensure that you can access our services conveniently. Although we don't have drive-thru banking available, we do offer ATM services for quick transactions like withdrawals and balance checks. Should you need to reach us, don't hesitate to call us at 423-336-4331.

Evolution and Achievements

Since opening our doors, O.m.c. Employees' Credit Union has achieved significant milestones that reflect our dedication to growth and innovation. With advancements in technology, we have embraced online banking options that allow members to manage their accounts seamlessly from home or on the go. Additionally, our focus on ADA compliance ensures that everyone can access our services comfortably. We understand the importance of community support. Through various partnerships and outreach initiatives, we strive to give back and enrich the lives of those around us. Whether it's sponsoring local events or collaborating with other organizations for charitable causes, we believe in making a positive impact. While members can visit us at 1186 Old Lower River Rd Nw Charleston Tn 37310, official correspondence should be sent to PO Box 828, Charleston, TN 37310.

Join Us

At O.m.c. Employees' Credit Union, we're not just about numbers; we're about people. We invite you to become part of our family where your financial needs come first. Experience the benefits of membership today by visiting our website at omcecu.com. Together, let's build a brighter financial future!

Branch Location & Accessibility

Call to Action

We invite you to stop by O.m.c. Employees' Credit Union today! Our friendly staff is ready to assist you with your banking needs or answer any questions you may have. If you prefer, feel free to give us a call at 423-336-4331 we'd love to hear from you!

Nearby Landmarks and Accessibility

Our branch is just a short drive from popular local spots like the Charleston Park and the scenic Hiwassee River. With ample parking available right outside our doors, getting here is a breeze. We also take pride in being ADA compliant, ensuring that everyone can access our facilities with ease.

Operating Hours and Services

At O.m.c. Employees', we know your time is valuable. That's why we offer convenient lobby hours from 7:30 AM to 4:30 PM, Monday through Friday. While you're here, you can enjoy ATM services for quick cash withdrawals and balance checks perfect for those on-the-go moments. While members can visit us at our physical location for all their banking needs, please remember that any official correspondence should be sent to our mailing address: PO Box 828, Charleston, TN 37310.

Member Eligibility

At O.m.c. Employees', we believe that everyone deserves a supportive financial community, and becoming a member is your first step towards joining us. If you live, work, or worship in the Charleston area or are related to someone who does, you're likely eligible to join our family. We welcome individuals from various backgrounds, making it easy for you to access our tailored services designed just for our members. To explore the specific eligibility criteria, feel free to visit our website at http://omcecu.com/membership.html. Joining is as simple as reaching out! You can easily open your account online by visiting https://my.homecu.net/banking/hcuactivate.prg?cu=omcecu or by calling us at (423) 336-4331. Our friendly team is here to help guide you through the process, ensuring that becoming part of O.m.c. Employees' feels welcoming and straightforward. We can't wait for you to experience the benefits of membership and all that we have to offer right here at 1186 Old Lower River Rd Nw Charleston Tn 37310.

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 $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.

Merchant Services

In addition to loans, we offer merchant services that simplify transactions and enhance customer experiences. Imagine your customers being able to pay easily with their preferred methods while you manage sales effortlessly from one platform. Our merchant services help streamline operations, allowing you to focus on what matters most growing your business. Located at 1186 Old Lower River Rd Nw Charleston Tn 37310 in Charleston, TN, we're just a call away at (423) 336-4331. Let's work together to take your business further!

Comprehensive List Of Services

Banking Made Easy

Navigating your finances can be overwhelming, but at O.m.c. Employees', we strive to make it simple. Our ATM services provide easy access to your funds whenever you need them. With basic ATM access, members can withdraw cash and check their balances effortlessly. Imagine being able to grab cash for a last-minute purchase or checking your account balance while on the go; that's the convenience we aim to deliver.

Digital Access at Your Fingertips

In today's fast-paced world, having digital banking options is essential. While our branch offers excellent in-person service, we also understand the importance of online banking solutions. Members have the opportunity to manage their accounts from anywhere through our secure online platform. Whether you're paying bills, transferring money, or checking your account status, our online services provide a reliable way to handle your finances without needing to visit us in person.

Join Our Community

Becoming a member of O.m.c. Employees' means more than just accessing financial products; it's about joining a community that cares about your financial well-being. We invite you to explore all that we offer and see how we can assist you in achieving your financial goals. For more information about our services or how to become a member, visit us at https://www.omcecu.com/ or give us a call at (423) 336-4331. Let's work together towards a brighter financial future!

Support When You Need It

Our team at O.m.c. Employees' is dedicated to providing exceptional member service. If you ever have questions about your accounts or need assistance with any transactions, don't hesitate to reach out. You can contact us at (423) 336-4331 during our lobby hours from 7:30 AM to 4:30 PM on weekdays. We're here to help!

Digital & Online Banking

E-Statements and Mobile Access

For those who prefer going paperless, e-statements are available, making it easy to keep track of your financial activities without the clutter. Although we currently do not have a mobile application or mobile payment features, our online banking platform is fully optimized for use on mobile devices. This means you can manage your accounts on-the-go without missing out on any essential features. In today's fast-paced world, having immediate access to your financial information is crucial. At O.m.c. Employees', our digital banking services ensure that you're always in control of your money whenever and wherever you need it. Join us today and experience the difference!

Key Services

Our online banking platform allows you to take charge of your finances from anywhere. Whether you want to check your balance, transfer funds, or pay bills, everything is just a few clicks away. Plus, with our person-to-person transfer feature, sending money to friends and family is quick and hassle-free. Security is our top priority. We provide electronic signature authorization for your peace of mind when handling important transactions online. You can rest assured knowing that your sensitive information is protected.

Financial Strength

At O.m.c. Employees', 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 financial strength with you, reassuring you of our reliability as your trusted credit union. With a net worth of $2,828,791, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.89% 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 $7,448,995 in share certificates, 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 $2,791,812 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 $174 in used auto loans and $13,264,275 in total loans and leases. Our operational efficiency is reflected in our $36,706, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 5 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share and Deposit Accounts: 3,335, show 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, O.m.c. Employees' is your trusted partner. Visit us at 1186 Old Lower River Rd Nw Charleston Tn 37310 or call (423) 336-4331 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 provide some of the lowest rates in the industry, with over $3,036,220 in used vehicle loans and $2,655,373 in new vehicle loans already helping members get on the road. We offer flexible terms and competitive rates to ensure that you find the perfect fit for your budget.

Credit Lines and Unsecured Loans

For those who need extra flexibility in managing their finances, we provide credit lines with total funding of $1,000,000. Additionally, we also offer flexible terms on unsecured credit card loans, with a total of $299,145 in loans helping members manage their finances effectively. These options are great for covering unexpected expenses or making larger purchases without the burden of collateral.

Financing Your Dreams

Whether it's upgrading your vehicle or securing your dream home, O.m.c. Employees' has the financial tools to help you succeed. We also have refinancing options available to make your existing loans more manageable. If you're unsure about eligibility or how to start the process, don't hesitate to reach out to us at 423-336-4331. Our dedicated team is here to assist you every step of the way. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Come visit us at 1186 Old Lower River Rd Nw Charleston TN 37310, and let's discuss how our loan offerings can help you achieve your financial goals today!

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $344,887, make buying or refinancing simple. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, our team is here to guide you through the process.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing data 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 to using verified sources guarantees that users receive fair and transparent offers when they compare loans.

Benefits of Using LendMesh

- Verified Data: Loan offers come exclusively from legitimate financial institutions. This transparency helps users trust the information they receive. - No Sponsored Listings: Unlike many comparison tools, LendMesh does not prioritize lenders based on paid promotions. The focus is solely on providing unbiased results that reflect the best available options. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions. This feature allows individuals to make informed decisions quickly, saving both time and money. 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 of this tool in helping consumers secure better financing options. Ready to discover the best rates for your needs? Compare real-time loan offers today at LendMesh. *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.*

HIWASSEE RIVER CREDIT UNION - Charleston, TN

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