Peoples Advantage Credit Union Colonial Heights VA | Best Auto Loans & Mortgage Refinancing

Introduction

At Peoples Advantage, we believe in making financial dreams a reality. Located at 2801 Conduit Rd, Colonial Heights, VA 23834, our credit union has been serving the community since 1966. With over 9,300 members, we pride ourselves on being a trusted partner in their financial journeys. While members can visit us at our branch, official correspondence should be sent to the same address for your convenience. Our commitment to you is reflected not just in our services but also in our strong financial foundation, boasting total assets of $98,441,286 and total deposits amounting to $7,318,579. With a robust loan portfolio that includes more than 6,175 loans and leases, we help members achieve their goals be it purchasing a new car or consolidating debt. Under the leadership of our CEO, Amanda Habansky, and Board President, Michael Koch, we aim to foster a supportive environment where members can thrive financially. Our team of 40 dedicated employees is here to assist you with personal banking needs such as checking and savings accounts, auto loans, mortgage options, and more. We also offer modern conveniences like online and mobile banking to make managing your finances easier than ever. Join us at Peoples Advantage and experience financial services that put you first! For any inquiries or assistance, feel free to reach out at 804-748-5683. We look forward to welcoming you into our community!

Branch History & Mission

A Legacy of Service

Since opening our doors, we have continuously evolved to meet the needs of our community. From embracing digital advancements like mobile banking and online services to ensuring ADA compliance for all members, we strive to create an inclusive environment. Our operating hours are convenient for busy schedules Monday through Friday from 8:30 AM to 5:00 PM and we proudly offer both ATM access and drive-thru banking for added convenience. While members can visit us at our branch address for day-to-day transactions, official correspondence should be sent to our mailing address at 2801 Conduit Rd, Colonial Heights, VA 23834-2971.

Community Commitment

Peoples Advantage is not just about banking; it's about building relationships. We actively engage in partnerships that benefit local organizations and initiatives. Through outreach efforts and community events, we aim to uplift those around us while providing essential financial education resources. As we look towards the future, we invite you to join us on this journey. Experience the benefits of being a member at Peoples Advantage where your financial well-being is our top priority. Reach out today at 804-748-5683 or visit us online at peoplesadvfcu.org to learn more about how we can help you achieve your financial goals!

Branch Location & Accessibility

Convenient Access and Features

At Peoples Advantage, we prioritize accessibility for all our members. Our branch is ADA compliant, featuring ramps and accessible entrances to ensure everyone can visit us with ease. We offer ample parking space for your convenience, making it simple for you to pop in for your banking needs. For those who prefer quick transactions, we're pleased to provide a drive-thru service. It's perfect for busy days when you need to make deposits or withdrawals without leaving your vehicle. Plus, our ATM is available 24/7 for cash withdrawals and balance checks, so you can manage your finances on your own schedule.

Operating Hours and Services

We are here to serve you Monday through Friday from 8:30 AM to 5:00 PM. On Wednesdays, we open slightly later at 10:00 AM, ensuring that we accommodate your busy lifestyle. Our team is dedicated to offering a range of personal banking services tailored to meet your needs, including checking and savings accounts, auto loans, mortgage options, personal loans, and credit cards with rewards. While members can visit us at 2801 Conduit Rd, official correspondence should be sent to our mailing address: 2801 Conduit Rd, Colonial Heights, VA 23834-2971. If you have any questions or need assistance, feel free to give us a call at 804-748-5683.

Visit Us Today!

We invite you to stop by the Peoples Advantage branch today! Whether you're looking to open an account or explore loan options, our friendly staff is here to help. Discover how we can support your financial journey with personalized service tailored just for you!

Member Eligibility

At Peoples Advantage, we believe that everyone deserves a chance to be part of a supportive community that prioritizes your financial well-being. Becoming a member is simple and welcoming! If you live, work, or worship in the Colonial Heights area, you're likely eligible to join our family. Our membership isn't just about banking; it's about being part of something bigger where your needs are understood and valued. For detailed eligibility criteria, feel free to check out our website at . Once you find out you qualify, opening an account with us is straightforward. You can get started by visiting us at 2801 Conduit Rd, Colonial Heights, VA 23834. Our friendly staff is here to help guide you through the process so that you can quickly enjoy the benefits of membership. Whether you're looking for personal banking services or loans tailored to your needs, we've got you covered. If you have any questions or need assistance, don't hesitate to call us at (804) 748-5683. Join us today and take the first step toward a brighter financial future!

Business Banking & Commercial Services

Commercial 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

When it comes to transactions, having the right tools makes all the difference. Our merchant services provide businesses like yours with easy payment processing solutions, allowing you to focus on what you do best. Imagine a customer walking into your shop, choosing their favorite product, and paying effortlessly at checkout this is where our services come into play. Located conveniently at 2801 Conduit Rd Colonial Heights Va 23834 in Colonial Heights, VA, we're ready to help you unlock your business's potential. Reach out at (804) 748-5683 or visit us today!

Comprehensive List Of Services

Branch Accessibility

For those who prefer in-person banking, we offer basic drive-thru services for deposits, withdrawals, and simple transactions at our Colonial Heights branch. If you need quick access to cash or want to check your balance, our ATMs are conveniently available for all your banking needs. At Peoples Advantage, we're not just about providing financial products; we're about building relationships with our members and ensuring their financial well-being. Our friendly staff is always here to assist you with any questions or concerns you may have. Ready to explore how we can support your financial journey? Feel free to reach out at 804-748-5683 or visit us at our Colonial Heights branch today!

Business Banking

If you're a business owner, our Business Banking services include merchant services and business loans tailored to help your company thrive. We know how vital it is for businesses to have access to reliable banking solutions, which is why we prioritize your needs with personalized service.

Digital Banking Features

In today's fast-paced world, convenience is key. Our robust Online & Mobile Banking platform allows you to manage your accounts anytime, anywhere. You can pay bills, transfer funds, and even send money to friends through our Person-to-Person payment service with just a few taps on your smartphone. Additionally, our ATM & Cash Withdrawal Services ensure that you have easy access to your cash when you need it.

Personal Banking

For individuals and families, we offer Personal Banking services that include checking and savings accounts designed to help you manage your money effectively. With these accounts, you can easily track your spending and save for future goals. Our Auto Loans & Vehicle Financing options make it simple for you to drive away in your dream car without breaking the bank. Need a home? Our Mortgage Loans & Refinancing services provide competitive rates to help make homeownership a reality. In addition to traditional loans, we understand that life can throw unexpected expenses your way. That's why our Personal Loans & Debt Consolidation services are available to help you manage those costs more effectively. Plus, with our Credit Cards with Rewards, you can earn points on everyday purchases while enjoying the flexibility of credit.

Digital & Online Banking

Key Features

Security is paramount in the world of online banking. At Peoples Advantage, we use advanced security measures to ensure your information stays safe while you enjoy the convenience of digital banking. For instance, our Electronic Signature Authorization feature allows you to securely sign documents online, streamlining your banking experience without compromising on safety. You can also opt for E-Statements, making it easy to track your account activity while helping the environment by going paperless. Plus, with our Mobile Application, accessing your accounts on the go has never been easier. It's designed for simplicity and efficiency, allowing you to deposit checks, make payments, and even utilize Mobile Payments with just a few taps on your smartphone. Need to send money quickly? Our Person-to-Person Transfers feature enables you to send funds directly to friends or family members without hassle. Whether it's splitting a bill or sending a gift, it's all done effortlessly through our platform.

Real-Time Management

Managing your money in real-time is crucial. With our comprehensive digital tools at Peoples Advantage, you'll have instant access to account updates and transaction histories. This transparency helps you stay informed about your finances so you can make better decisions every day. Experience the freedom and flexibility that comes with modern banking solutions at Peoples Advantage. From online transactions to mobile capabilities, we've got everything you need for seamless financial management all while keeping security front and center. Visit us today at http://peoplesadvfcu.org to learn more about how we can help simplify your banking experience!

Financial Strength

A Solid Foundation

With a net worth of $22,414,515, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $2,272 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Commitment to Service Excellence

Our ability to generate income is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 40 full-time employees ready to assist you with knowledgeable service.

Growing Together

Our strength is further evident with 17,472 showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments stand at $0, reinforcing our capacity to support you financially. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Peoples Advantage is your trusted partner. Visit us at 2801 Conduit Rd Colonial Heights Va 23834 or call (804) 748-5683 to learn more about how we can help you achieve your financial goals.

Investing in Our Future Together

With $10,951,430 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 $1,171 in used auto loans and $52,689,086 in total loans and leases.

Member Savings Securely Managed

Members' savings are secured through $14,296,430 in share certificates and $9,487,540 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $534,152, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $18,035,688 in used vehicle loans and $3,264,790 in new vehicle loans already helping members get on the road. We offer financing options that can fit any budget, whether you're interested in purchasing a brand-new model or a reliable used vehicle.

Business Loans

While we do not currently have outstanding commercial loans available, we remain committed to supporting local businesses when opportunities arise. At Peoples Advantage, we're dedicated to making your borrowing experience as smooth as possible. If you're considering refinancing or have questions about eligibility for any of our products, don't hesitate to reach out! You can contact us at 804-748-5683 during our operating hours of 8:30 AM - 5:00 PM Monday through Friday. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore your loan options today at our branch located at 2801 Conduit Rd Colonial Heights Va 23834, or visit us online at peoplesadvfcu.org. We're here to help you every step of the way!

Credit Card Loans

Managing day-to-day expenses can be easier with our unsecured credit card loans. We currently have $3,017,342 in loans available for members looking for flexible credit options. This can help you handle unexpected costs or consolidate existing debts with ease.

Credit Lines

In addition to traditional loans, we also provide credit lines with a total of $20,468,314 available. These lines of credit are perfect for those who need quick access to funds without going through a lengthy application process each time.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $5,972,765. With straightforward terms and competitive rates, we aim to ease the path to owning your own home.

Loan Aggregator

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 guarantees that users receive fair and transparent offers.

Key Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions, ensuring transparency and trust in the information provided. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results for users seeking loans. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Explore your options today by comparing real-time loan offers at LendMesh and find the best rates for your needs. 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.

PEOPLES ADVANTAGE FEDERAL CREDIT UNION - Colonial Heights, VA