Partners 1st Credit Union Luray VA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Partners 1st, your trusted financial partner located at 612 E Main St, Luray, VA 22835. Since our establishment in 1952, we've been dedicated to serving our community and providing financial solutions that truly meet the needs of our members. With over 45,662 members and total assets reaching an impressive $543,680,946, we pride ourselves on being a credit union that prioritizes your financial well-being. At Partners 1st, we understand the importance of a supportive banking environment. That's why we offer a wide range of services tailored just for you whether it's personal banking with checking and savings accounts, vehicle financing through auto loans, or business banking solutions like merchant services and business loans. Our commitment to excellence is reflected in our total deposits of $34,945,422 and net worth of $52,515,667, ensuring stability and security for all our members. Our team of 213 employees is led by CEO Carla Bienz and Board President Dennis Baumgartner, both of whom are passionate about fostering a member-centric culture. We are here to guide you through every financial decision you face, big or small. While members can visit us at the branch for assistance during our convenient operating hours from 9:00 AM to 5:00 PM Monday through Thursday and until 6:00 PM on Fridays we also encourage you to explore our online services at partners1stcu.org for easy access to your accounts anytime. Join us at Partners 1st where your financial future is our priority! Call us today at 540-743-5406 or drop by the branch to learn more about how we can assist you.

Branch History & Mission

At Partners 1st, we are proud of our rich history and unwavering commitment to serving the Luray community. Established in 1952, our branch has grown alongside our members, evolving to meet their needs with compassion and integrity. Today, we serve over 45,662 members and manage total assets exceeding $543 million. Located at 612 E Main St, Luray, VA 22835, our branch is easily accessible for anyone in the area. We invite you to visit us during our operating hours: Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 12:00 PM. While you're here, you can take advantage of our ATM services for added convenience. Our mission at Partners 1st is simple yet profound: we aim to empower individuals and families through financial education and personalized service. We offer a range of products from personal banking such as checking and savings accounts to auto loans, mortgage financing, and business banking services. Each member's journey is important to us; we strive to provide tailored solutions that foster financial stability and growth. Over the years, we have made significant strides in enhancing our services through digital advancements. Our members benefit from online banking, mobile payments, and e-statements all designed with your convenience in mind. We also prioritize accessibility for all individuals by ensuring ADA compliance in our operations. Community support is at the heart of what we do. Partners 1st actively engages in outreach initiatives that strengthen local relationships and contribute positively to Luray's vibrant community spirit. Whether it's partnering with local organizations or sponsoring events that bring people together, we believe in making a meaningful impact. If you haven't yet experienced what Partners 1st has to offer, we warmly invite you to join us. Discover how being part of a credit union can make a difference in your financial life. Visit us at 612 E Main St or contact us at 540-743-5406 today! Together, let's build a brighter financial future for everyone in Luray.

Branch Location & Accessibility

Accessibility Features

At Partners 1st, we prioritize accessibility. Our branch complies with ADA standards, ensuring that everyone can navigate our space comfortably. If you need assistance, our staff is always ready to help. We also offer ample parking nearby so you can visit us without hassle.

Connect With Us

Have questions or need assistance? Don't hesitate to call us at 540-743-5406. We invite you to visit Partners 1st and experience our friendly atmosphere firsthand. Let us help you navigate your financial future with confidence!

Operating Hours and Services

Our doors are open for you during the following hours: Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 12:00 PM. This means you have plenty of time throughout the week to take care of your banking needs. We're proud to offer a variety of services tailored just for you! From checking and savings accounts to auto loans and personal loans, we're here to support your financial journey. Plus, with ATM availability right at our branch and shared service options for members of partner credit unions, accessing your money has never been easier.

Member Eligibility

At Partners 1st, we believe that becoming a member is like joining a family that truly cares about your financial journey. If you're looking to be part of our supportive community, the good news is that eligibility is quite straightforward! Generally, anyone who lives, works, worships, or attends school in Luray and surrounding areas can become a member. We welcome individuals from various backgrounds because we know that everyone deserves access to quality financial services. For detailed information about eligibility requirements, feel free to visit our website at https://www.partners1stcu.org/. Joining us is easy and beneficial! At Partners 1st, you'll enjoy a range of services designed with your needs in mind, including personal banking options, auto loans, and business banking solutions. Ready to open an account? You can find everything you need to get started by checking out this link: Account Opening. If you have any questions or need assistance, don't hesitate to give us a call at (540) 743-5406. We're excited to help you on your financial journey at our branch located at 612 E Main St Luray Va 22835!

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 $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

Imagine being able to accept payments from customers easily and securely. Our merchant services simplify transactions, allowing you to focus on what matters most growing your business. With our range of payment processing options, you can offer your customers a seamless shopping experience while keeping your cash flow healthy. Located at 612 E Main St Luray Va 22835 in Luray, VA, we're here to empower local businesses like yours. Let's work together to build a brighter financial future! For more information, contact us at (540) 743-5406 or visit our website here.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash? Our ATM services are readily available for quick access to your funds. You can withdraw cash or check balances easily at any of our ATMs.

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our competitive auto loans and vehicle financing options can help you drive off in your dream vehicle without breaking the bank. We simplify the financing process, making it easy for you to get behind the wheel.

Business Banking

For our business members, we provide robust business banking services, including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're here to support your growth with tailored financial solutions.

Credit Cards with Rewards

Enjoy shopping? Our credit cards with rewards make every purchase more rewarding! Earn points on your everyday spending that can be redeemed for exciting rewards, making your transactions even more beneficial.

Mortgage Loans & Refinancing

Buying a home is one of the biggest decisions you'll make. At Partners 1st, we provide comprehensive mortgage loans and refinancing solutions designed to fit your budget. Our friendly staff will guide you through the home loan process, ensuring you find the best terms possible.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer top-notch online and mobile banking features. Manage your accounts anytime, anywhere check balances, transfer funds, or pay bills all from your smartphone or computer.

Personal Banking

We understand that managing your personal finances is crucial. That's why we offer various checking and savings accounts tailored to suit different lifestyles and preferences. Whether you're saving for a dream vacation or managing daily expenses, we have options that work for you.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or looking to consolidate debt, our personal loans are here to lend a hand. We offer flexible terms that can help ease financial burdens and allow you to focus on what truly matters.

Shared Branch Transactions

We also facilitate basic shared branch transactions, allowing members from partner credit unions to make deposits and withdrawals conveniently at our location. At Partners 1st, we strive to create an environment where our members feel valued and supported. Whether you're looking for personal banking solutions or business financing options, we're committed to helping you navigate your financial journey successfully. Ready to take the next step? Visit us at Partners 1st, or explore more about our offerings online at www.partners1stcu.org. Let's work together towards achieving your financial goals!

Digital & Online Banking

Key Features

One of the standout features of our online banking is the availability of e-statements. You can say goodbye to paper clutter while enjoying quick access to your financial statements right from your computer or mobile device. Plus, with electronic signature authorization available, signing important documents has never been simpler or more secure. We also know that mobile payments are becoming essential in today's fast-paced world. With our mobile payments feature, you can make purchases directly from your smartphone no cash or cards required! And if you're on the go, our user-friendly mobile application allows you to perform all these tasks effortlessly. For those moments when you need to send money quickly to family or friends, our person-to-person transfer feature makes it easy. Just a few taps on your phone, and the money is sent securely. At Partners 1st, we prioritize security alongside convenience. Our digital banking services are designed with top-notch security measures to keep your information safe while providing real-time account management. Whether you're at home or out and about, you can bank with confidence knowing that your finances are protected. Experience the ease of digital banking with us today visit https://www.partners1stcu.org/ and discover how simple managing your money can be!

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. With a commitment to transparency and reliability, we want you to feel confident in your choice of banking with us. With a net worth of $52,515,667, we maintain strong 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. Our sound financial management is further illustrated by having $42,393,164 in undivided earnings. This means we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $12,921 in used auto loans and $437,201,849 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Although we reported a net income of $-$3,620, which reflects the challenges we face, it also highlights our operational efficiency and adaptability in these changing times. 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, committed team. Net Shares (Funds available for lending and investments): $1,362,469. Total Share and Deposit Accounts: 88,967, 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, Partners 1st is your trusted partner. Visit us at 612 E Main St Luray Va 22835 or call (540) 743-5406 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 $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 interested in financing a brand-new model or a reliable used car, we have options tailored just for you.

Business Loans

For business owners, our outstanding commercial loans totaling $5,115,018 provide the capital needed to grow and expand your business. We are committed to supporting local entrepreneurs and helping them thrive.

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, providing you with the flexibility and support needed to secure your dream home.

Refinancing Options

If you're considering refinancing any existing loans or need help determining your eligibility for our various loan products, our team is ready to assist you. We aim to make the loan process as straightforward as possible. Feel free to reach out to us at 540-743-5406 for more information or visit us at 612 E Main St, Luray VA 22835. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step towards achieving your financial goals!

Unsecured Credit Cards

We also provide flexible terms on unsecured credit card loans. With a total of $11,216,006 in unsecured credit card loans helping members manage their finances effectively, you can enjoy peace of mind while making everyday purchases.

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 to sourcing from verified institutions guarantees that the offers presented are fair and transparent.

PARTNERS 1ST FEDERAL CREDIT UNION - Luray, VA

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