Partners 1st Credit Union Culpeper VA | Top Auto Loans & Business Banking

Introduction

At Partners 1st, we believe that banking should be personal, accessible, and community-focused. Located at 567 James Madison Hwy, Culpeper, VA 22701, our branch has been a trusted partner for individuals and businesses since 1952. With over 45,000 members, we pride ourselves on fostering strong relationships that help our community thrive. Our commitment to you goes beyond just numbers. We manage total assets of $543,680,946, ensuring your finances are in safe hands. With total deposits reaching $34,945,422 and a robust net worth of $52,515,667, we're dedicated to providing financial stability and growth for our members. Whether you're looking for an auto loan among our 24,389 loans and leases or seeking guidance on personal banking solutions like checking accounts or credit cards with rewards, our knowledgeable staff is here to help. Led by our CEO, Carla Bienz, and Board President, Dennis Baumgartner, our team is committed to serving you with integrity and professionalism. We understand the importance of accessibility; that's why we offer a range of services including online and mobile banking options along with convenient drive-thru service. While members can visit us at our branch location for all their banking needs, official correspondence can be sent to the same address: 567 James Madison Hwy, Culpeper, VA 22701. We invite you to join us at Partners 1st where your financial well-being is our top priority. Feel free to call us at 540-825-0100 or visit our website at partners1stcu.org to learn more about how we can assist you today!

Branch History & Mission

Community Commitment

At Partners 1st, we are more than just a credit union; we are an integral part of Culpeper's vibrant community. We partner with local organizations and participate in outreach efforts that uplift those around us. From sponsoring local events to providing educational resources on financial literacy, we strive to give back in meaningful ways. We also ensure accessibility for all members by maintaining ADA compliance across our branch facilities. Plus, with shared service centers and drive-thru banking options available for your convenience, we're dedicated to meeting your needs efficiently. As we look toward the future, we invite you to join our growing family at Partners 1st. Experience the benefits of membership today! Visit us at 567 James Madison Hwy or call us at 540-825-0100 for more information about how we can assist you on your financial journey. Together, let's build a brighter future for ourselves and our community!

Our Mission

Our mission at Partners 1st is simple yet profound: to empower our members by providing comprehensive financial solutions while actively supporting the local community. We believe that when our members succeed, the community flourishes too. Whether you're looking for personal banking options like checking and savings accounts or need financing for a new vehicle or home, we are here to help you achieve your goals. In addition to traditional banking services, we embrace modern technology to make your banking experience seamless. With features like online banking and mobile payment options available, managing your finances has never been easier.

Branch Location & Accessibility

Convenient Access

At Partners 1st, we understand the importance of accessibility. Our branch features ample parking spaces, making it easy for you to visit us without any hassle. We are also ADA compliant, ensuring that everyone can access our facilities comfortably. Plus, for those who prefer to bank on the go, we offer a drive-thru service where you can take care of deposits and withdrawals without leaving your vehicle.

Operating Hours

We are open during convenient hours to fit your busy schedule. Our lobby welcomes you from 9:00 AM to 5:00 PM Monday through Wednesday and extends until 5:30 PM on Thursday and Friday. On Saturdays, we're available from 9:00 AM to 12:00 PM. Need assistance? Feel free to give us a call at 540-825-0100 during these hours!

Services Offered

Partners 1st is dedicated to providing a wide range of services tailored just for you. From personal banking solutions like checking and savings accounts to auto loans and mortgage financing, we've got you covered. Our ATMs are readily available for quick cash withdrawals and balance checks whenever you need them. Additionally, if you're a member of a partner credit union, you can benefit from shared branch services that allow for easy deposits and withdrawals. While members can visit us at our physical location in Culpeper, official correspondence should be sent to our mailing address at the same location. This ensures that all your important documents reach us without delay. We invite you to come in and discover how Partners 1st can assist you in reaching your financial goals. Whether you're looking for expert advice or simply want to chat about your options over coffee, we're here for you! Visit us today!

Member Eligibility

At Partners 1st, we believe that everyone deserves a chance to thrive in a supportive community. Becoming a member of our credit union is straightforward and welcoming. If you live, work, worship, or attend school in the Culpeper area, you're likely eligible to join us! We embrace individuals from all walks of life and encourage you to be part of our family where your financial goals can be nurtured. You can find more details about eligibility by visiting this link. Opening an account with us is a breeze. Just reach out to us at (540) 825-0100, or visit us at our branch located at 567 James Madison Hwy Culpeper Va 22701. We're here to help you every step of the way. Joining Partners 1st means gaining access to a variety of services tailored just for you, including competitive loans and personalized banking solutions that can make a real difference in your life. Don't hesitate come see how we can support your financial journey today!

Business Banking & Commercial Services

Financing Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $48 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $28 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $5,115,018, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Work for You

Imagine running your business smoothly with payment options that cater directly to your customers. Our merchant services offer easy payment processing, so you can focus on what really matters growing your business. From card payments to online transactions, we provide the tools you need to enhance customer satisfaction and streamline operations. Visit us at 567 James Madison Hwy Culpeper Va 22701, Culpeper, VA, or call us at (540) 825-0100 to discover how our tailored solutions can help your business thrive!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

With ATMs available at various locations, accessing cash has never been easier. Our ATM services allow for quick withdrawals and balance checks without the hassle of long lines.

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options provide competitive rates and terms that make it easier for you to drive off in the vehicle you want. We work with you to find a plan that fits your budget, ensuring that your new ride is both affordable and enjoyable.

Business Banking

For our members who are entrepreneurs or small business owners, we offer comprehensive business banking services, including merchant services and business loans. We understand that running a business comes with its own set of challenges, and we're here to support your financial needs every step of the way.

Credit Cards with Rewards

Our credit cards come with rewards that can benefit you in everyday purchases. Whether you're looking for cashback on groceries or travel rewards for your next adventure, we have options that align with your spending habits.

Drive-Thru Banking & Shared Branch Transactions

Need to make a quick deposit or withdrawal? Our basic drive-thru banking offers fast service for simple transactions. Plus, if you're visiting from another partner credit union, you can enjoy basic shared branch transactions here as well. At Partners 1st, we strive to make banking easy and accessible for everyone in our community. If you have any questions or want to learn more about how we can assist you on your financial journey, feel free to call us at (540) 825-0100 or visit our website at https://www.partners1stcu.org/. We look forward to serving you!

Mortgage Loans & Refinancing

Buying a home is one of the biggest decisions you'll ever make. At Partners 1st, we offer mortgage loans and refinancing options that simplify this process. Our knowledgeable team will guide you through each step, helping you secure the best possible rates and terms for your situation.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why Partners 1st provides robust online and mobile banking features. You can access your accounts anytime, anywhere pay bills, transfer money, or even deposit checks right from your phone.

Personal Banking

We understand that managing your finances can be a challenge, which is why our personal banking services include checking and savings accounts tailored to fit your lifestyle. Whether you're saving for a vacation or managing day-to-day expenses, our accounts offer the flexibility you need.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or want to consolidate existing debt, our personal loans can provide the relief you need. With manageable payment plans, we aim to help you regain control of your finances and reduce stress.

Digital & Online Banking

Convenience at Your Fingertips

And if you're someone who loves using mobile payments, you'll be happy to know that we support this feature too! It's all about making your banking experience as smooth as possible. With all these tools at hand, Partners 1st ensures that managing your finances is not just easy but also secure. So why wait? Dive into a world of convenience by visiting us online today!

Key Features

Security is our top priority, which is why we provide features like electronic signature authorization. This means you can sign documents safely from the comfort of your home. For those who prefer going paperless, our e-statements are available as well saving trees while keeping your finances organized. Managing your money is made even simpler with our mobile application. Available for download, it gives you the power to handle transactions directly from your smartphone. Want to split the dinner bill with friends? Our person-to-person transfer feature makes it quick and hassle-free.

Financial Strength

At Partners 1st, 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 understand the importance of trust in your financial institution, which is why we are proud to share our strong financial position with you. With a net worth of $52,515,667, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.64% 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 $120,222,223 in share certificates and $47,338,416 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 $42,393,164 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 $12,921 in used auto loans and a total of $437,201,849 in loans and leases. Our operational efficiency is reflected in our net income of -$529,286, showing our commitment to maintaining sustainable practices while still providing quality services. We also take pride in having 190 full-time employees and 23 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Total Share Accounts stand at an impressive 88,967, illustrating a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $1,362,469, further demonstrating our capability to support your financial aspirations. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing or planning for the future, Partners 1st is your trusted partner. Visit us at 567 James Madison Hwy Culpeper Va 22701 or call us at 540-825-0100 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

Additional Options

If you're considering refinancing your current loans or exploring eligibility options for any of our products, please don't hesitate to reach out. We aim to provide clear information and assistance tailored specifically for you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Partners 1st, we're committed to supporting your financial journey with transparency and integrity. Explore our loan offerings today!

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry. We currently have $196,064,859 in used vehicle loans and $55,225,693 in new vehicle loans already helping members get on the road. Whether you're looking for a new ride or financing for a reliable used vehicle, our team can guide you through the options available to meet your needs.

Business Loans

For business owners, our outstanding commercial loans totaling $5,115,018 provide the capital needed to grow and expand. We understand that every business has unique challenges and opportunities; our team is here to support you with tailored financing solutions.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $19,884,327, making it easier than ever to own your dream home. Our experienced team is ready to help you navigate through the process and find the best solution for your situation.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $11,216,006 in loans helping members manage their finances effectively, our credit cards come with rewards and benefits designed to enhance your spending experience.

Loan Aggregator

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How LendMesh Ensures 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, giving users peace of mind when comparing loans.

Partners 1St