Peoples Advantage Credit Union Petersburg VA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Peoples Advantage, your trusted financial partner located at 100 Perry St, Petersburg, VA 23803. Since our establishment in 1966, we have been dedicated to empowering our members and the community through quality banking services tailored to meet your needs. With a proud membership of over 9,326 individuals and assets totaling an impressive $98,441,286, we stand as a pillar of financial strength and reliability in Petersburg. At Peoples Advantage, we understand that financial decisions are personal. That's why we offer a range of services from checking and savings accounts to auto loans and mortgages. Our commitment to serving you is reflected in our total deposits of $7,318,579 and a net worth of $22,414,515, ensuring that your money is not just safe but also working for you. While members can visit us at our branch address, official correspondence should be sent to 110 Wagner Rd, Petersburg, VA 23805-9303. Our friendly team, led by CEO Amanda Habansky and Board President Michael Koch, is here to assist you with any questions or needs you may have. You can reach us at 804-748-3081 during our lobby hours: Monday, Tuesday, Thursday, and Friday from 8:30 AM to 5:00 PM, and Wednesday from 9:30 AM to 5:00 PM. As part of our mission to support our members' financial journeys, we prioritize community impact alongside individual service. Whether you're looking for personal loans or business banking solutions, you'll find a welcoming environment where your goals come first. Explore what we have to offer by visiting our website at peoplesadvfcu.org or call us today. We're excited to help you achieve your financial dreams!

Branch History & Mission

A Legacy of Growth

Located at 100 Perry St, Petersburg, VA 23803, our branch has witnessed significant changes over the years. Initially opened to offer basic banking services, we have evolved to include personal banking options such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our location is easily accessible for local residents and is near several community landmarks that highlight our deep connection to Petersburg. As we expanded our offerings, we never lost sight of our mission: to empower individuals and businesses financially while enhancing the quality of life in our community. We are dedicated to providing exceptional customer service through both in-person interactions and digital advancements. Our operating hours reflect our commitment to being available for our members: Monday, Tuesday, Thursday, and Friday from 8:30 AM to 5:00 PM, and Wednesday from 9:30 AM to 5:00 PM.

Community-Centric Mission

At the heart of Peoples Advantage is a mission focused on financial empowerment and community support. We aim not only to provide financial products but also to foster economic growth within Petersburg. This means partnering with local organizations and participating in outreach efforts that uplift those around us. Whether it's offering educational workshops or supporting local events, we believe in giving back. While members can visit us at 100 Perry St Petersburg Va 23803, official correspondence should be sent to 110 Wagner Rd, Petersburg, VA 23805-9303. We also offer convenient ATM availability for quick access to funds and ensure that all facilities are ADA compliant so that everyone can access our services without barriers.

Join Us Today!

As we look toward the future, we invite you to join Peoples Advantage and experience firsthand how we can help you achieve your financial goals. With a supportive team ready to assist you every step of the way and a variety of services designed for your needs, becoming a member means gaining a partner committed to your success. For more information or if you have questions about joining us, please call us at (804) 748-3081 or visit our website at http://peoplesadvfcu.org. Together, let's build a brighter financial future!

Branch Location & Accessibility

Call to Action

Whether you're looking for financial advice or need assistance with your accounts, don't hesitate to reach out! You can give us a call at 804-748-3081 or stop by to see how we can empower your financial journey. We look forward to serving you!

Nearby Landmarks and Accessibility Features

Situated near notable landmarks, our branch is just a short drive from the vibrant heart of Petersburg City. You'll find plenty of parking available right outside our doors, ensuring a smooth visit every time. Our facility is designed with accessibility in mind, featuring ADA-compliant entrances and ramps so everyone can enjoy our services without hassle.

Operating Hours and Services

We invite you to visit us during our welcoming hours: Monday, Tuesday, Thursday, and Friday from 8:30 AM to 5:00 PM, and Wednesday from 9:30 AM to 5:00 PM. Our friendly staff is eager to assist you with a range of personal banking services including checking and savings accounts, auto loans, mortgages, credit cards with rewards, and much more. While members can visit us at 100 Perry St for all their banking needs, official correspondence should be sent to our mailing address at 110 Wagner Rd, Petersburg, VA 23805-9303.

Member Eligibility

At Peoples Advantage, we believe in the power of community and welcome you to join our family! Becoming a member is straightforward and inclusive. If you're living, working, or attending school in Petersburg or the surrounding areas, you're likely eligible to open an account with us. We pride ourselves on offering personalized financial services that cater to your needs, whether it's saving for a dream vacation or financing a new car. For more detailed information about eligibility criteria, feel free to check out our website at . Getting started is simple! Just visit us at 100 Perry St, Petersburg, VA 23803, and bring along some identification and proof of your eligibility. Our friendly team is here to help you every step of the way. If you have any questions or need assistance, don't hesitate to give us a call at (804) 748-3081. Join us today and enjoy the benefits of being part of a supportive credit union that truly cares about its members!

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 daily operations for business owners. Picture this: a retail store owner who can process payments easily through our secure systems, allowing them to focus on providing great customer service instead of worrying about transactions. Our tools streamline payment processing, making it easier for businesses to manage their finances effectively. Let us help your business grow today! Visit us at 100 Perry St Petersburg Va 23803 or call us at (804) 748-3081 for more information about how we can support your journey.

Comprehensive List Of Services

Business Banking Services

For business owners in Petersburg, we offer specialized business banking services including merchant services and business loans. You can take your business further with financial support tailored specifically for entrepreneurs.

Convenient Access

Accessing your account has never been easier. With our ATM availability across town and basic ATM services like withdrawals and balance checks, you're always connected to your money when you need it most. Plus, our user-friendly mobile application allows for secure transactions at your fingertips. At Peoples Advantage, we understand that banking should fit into your lifestyle not the other way around. That's why we strive to provide comprehensive services designed for convenience and ease of use. For any questions or assistance regarding our services, feel free to reach out at 804-748-3081 or visit us at 100 Perry St, Petersburg, VA 23803. We look forward to serving you!

Credit Cards and Loans

Managing debt can be daunting; however, our personal loans and debt consolidation options are here to lighten the load. Whether it's unexpected expenses or planned purchases, we offer loans that cater to your specific needs. Don't forget about our credit cards with rewards! They not only allow you to make purchases conveniently but also earn rewards that can be redeemed for various perks making every dollar spent work harder for you.

Personal Banking Solutions

When it comes to personal banking, we have you covered. Our checking and savings accounts are designed to help you manage your finances effortlessly. Imagine a place where you can easily access your funds through our online and mobile banking services. Whether you're at home or on the go, you can check balances, transfer money, and pay bills without hassle. If you're considering a new vehicle, our auto loans and vehicle financing options make it simple to drive away in your dream car. With competitive rates and flexible terms, we ensure that financing fits comfortably within your budget. For those looking to purchase a home or refinance an existing mortgage, our mortgage loans provide personalized guidance every step of the way. We know buying a home is a big decision, so we work with you to find the best loan option that aligns with your financial goals.

Digital & Online Banking

Key Services

One of the standout features of our digital banking is the ability to view e-statements. This not only helps you keep track of your finances but also reduces paper clutter. You can easily access your statements whenever you need them, all while being environmentally friendly. Need to send money quickly? Our person-to-person transfer feature allows you to send funds to friends and family with just a few taps on your mobile device. Plus, with our mobile payments option, you can make purchases directly from your phone no cash or cards needed! For those who prefer banking on-the-go, our mobile application provides a user-friendly interface that makes it easy to manage your accounts from anywhere. Whether you're checking balances or making payments, everything is just a click away.

Security and Accessibility

We take security seriously at Peoples Advantage. Our electronic signature authorization ensures that your transactions are safe and verified. You can bank with peace of mind knowing that your personal information is protected. With all these features at your fingertips, managing your finances has never been easier. From real-time account management to secure transactions, we are here to empower you every step of the way. Experience the convenience of digital banking today with Peoples Advantage!

Financial Strength

At Peoples Advantage, 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 dedicated to providing a solid foundation that empowers you to achieve your financial goals with confidence. 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 22.72% 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 $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. Our commitment to your financial well-being is further evidenced by $10,951,430 in undivided earnings. This allows us to reinvest in innovative banking tools and stronger lending options to serve you better. With $11,713,688 in used auto loans and a total of $52,689,086 in loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is reflected in our net income of $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, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Net Shares (Funds available for lending and investments): $0. Total Share Accounts: 17,472, showing a strong and growing member base that trusts us with their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 100 Perry St Petersburg VA 23803 or call 804-748-3081 to learn more about how we can help you achieve your financial goals.

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 provide competitive financing options whether you're looking for a brand-new vehicle or a reliable used one. If you're considering refinancing your existing auto loan, we have options available to help lower your monthly payments or reduce your interest rate.

Credit Lines and Unsecured Loans

For those looking for flexibility in managing expenses, our total credit lines amount to $20,468,314. This means you can access funds when you need them without the hassle of traditional loans. Additionally, we offer flexible terms on unsecured credit card loans, with a total of $3,017,342 helping members manage their finances effectively. We pride ourselves on providing clear information and support throughout your borrowing experience. Our team is ready to assist with any questions about eligibility or refinancing options that may be available to 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. Visit us today at Peoples Advantage and let's discuss how we can help meet your financial needs!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $5,972,765, making buying or refinancing simple. We guide you through each step of the process so that you can confidently make one of the most important investments of your life.

Loan Aggregator

Ensuring Accurate Loan Comparisons

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Key Benefits of Using LendMesh

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