Pine Bluff Cotton Belt Credit Union White Hall AR | Best Auto Loans & Business Banking

Introduction

Welcome to Pine Bluff Cotton Belt, your trusted partner in financial well-being located at 8540 Highway 270, White Hall, AR 71602. Since our establishment in 1936, we have proudly served our community with a commitment to providing exceptional banking services tailored to meet your needs. With a current membership of 5,965 and total assets reaching an impressive $70,381,998, our credit union stands as a beacon of reliability and support for individuals and families alike. At Pine Bluff Cotton Belt, we understand that your financial journey is unique. That's why we offer a wide range of services including personal banking, auto loans, mortgage loans, and business banking solutions. Our friendly staff is dedicated to helping you navigate your options with ease, ensuring you make informed decisions every step of the way. Led by our CEO Greg Hutchins and Board President Joe Spadoni, our team of 25 employees is passionate about making a positive impact in our community. With total deposits amounting to $1,194,211 and cash in hand totaling $779,060, we are not just here to provide financial services; we are here to build lasting relationships with our members. While members can visit us at 8540 Highway 270, official correspondence should be sent to the same address. We also offer various online services through our website pbcbcu.org, making it easier than ever to manage your finances from the comfort of your home. Whether you need assistance with loans or want to explore our savings options, don't hesitate to reach out. Call us today at 870-535-6365 or stop by during our operating hours: Monday, Tuesday, and Thursday from 8:00 AM to 4:00 PM; Wednesday from 9:00 AM to 4:00 PM; and Friday from 8:00 AM to 5:00 PM. Let's work together towards achieving your financial goals!

Branch History & Mission

Pine Bluff Cotton Belt has a rich legacy that dates back to 1936, when it first opened its doors in White Hall, Arkansas. Since then, this community-focused credit union has grown from a small local entity into a trusted financial institution with over 5,965 members and total assets reaching an impressive $70,381,998. Located conveniently at 8540 Highway 270, our branch is not just a place for transactions; it's a cornerstone of the community where relationships are built and lives are enhanced. Our mission at Pine Bluff Cotton Belt is simple yet profound: to provide accessible financial services while nurturing and supporting our community. We strive to help members achieve their financial goals through a variety of products, including personal banking options like checking and savings accounts, auto loans, mortgages, and business banking services. With digital advancements such as online banking and mobile payments, we ensure that our members can manage their finances conveniently and securely. Over the years, Pine Bluff Cotton Belt has remained committed to giving back. We actively engage in partnerships with local organizations to support community outreach initiatives. Our drive-thru service and shared service center enhance accessibility for those who may need additional assistance or prefer more direct interactions. While members can visit us at our main location in White Hall for all their banking needs, official correspondence should be sent to our mailing address at 8540 Hwy 270, White Hall, AR 71602. Our dedicated staff is here to assist you from Monday through Friday with flexible operating hours that cater to your busy schedule. Join us today at Pine Bluff Cotton Belt! Experience firsthand how we can help you thrive financially while being part of a caring community. Whether you're looking for a new loan or simply want to explore your banking options, we're here for you every step of the way. Call us at 870-535-6365 or visit our website at www.pbcbcu.org to learn more about how we can serve you better.

Branch Location & Accessibility

Welcome to Pine Bluff Cotton Belt, your friendly neighborhood credit union located conveniently at 8540 Highway 270 in White Hall, Arkansas. Our branch is easily accessible and situated near popular landmarks, making it simple for you to stop by. Whether you're coming from downtown or nearby residential areas, our location is designed with your convenience in mind. At Pine Bluff Cotton Belt, we understand the importance of accessibility. Our branch features ADA-compliant facilities, including ramps and designated parking spaces, ensuring everyone can enjoy our services without hassle. Plus, with a drive-thru service available, you can take care of your banking needs without leaving your vehicle perfect for those busy days! While members can visit us at 8540 Highway 270, official correspondence should be sent to our mailing address at 8540 Hwy 270, White Hall, AR 71602. This ensures that all your communications reach us promptly. Our operating hours are designed to fit your schedule. We're open from 8:00 AM to 4:00 PM on Mondays, Tuesdays, and Thursdays; 9:00 AM to 4:00 PM on Wednesdays; and extend our hours until 5:00 PM on Fridays. Feel free to give us a call at 870-535-6365 if you have any questions or need assistance before you visit! In addition to traditional banking services like checking and savings accounts, we offer auto loans, mortgages, personal loans, and business banking solutions all tailored to meet your needs. Plus, enjoy the convenience of ATM access for quick withdrawals and balance checks. We invite you to come experience the welcoming atmosphere at Pine Bluff Cotton Belt. Our dedicated team is here to help you with all your banking needs. Stop by today!

Member Eligibility

Becoming a member of Pine Bluff Cotton Belt is like stepping into a welcoming community where your financial needs are understood and prioritized. If you live, work, worship, or attend school in the Jefferson County area, you're likely eligible to join us! We believe that everyone deserves access to quality financial services without the stress often found at traditional banks. The process is simple and straightforward; just visit us at our branch located at 8540 Highway 270 White Hall Ar 71602, or give us a call at (870) 535-6365 for any questions you might have. For more detailed information on eligibility criteria, check out our website at . Once you're ready, opening an account with us is easy just head over to https://www.financial-net.com/pbcottonbeltfcu/lending/internetloans to get started. Join us today and experience the benefits of being part of the Pine Bluff Cotton Belt family!

Business Banking & Commercial Services

Merchant Services for Everyday Needs

In addition to loans, we offer essential merchant services designed to streamline your operations. Imagine processing payments quickly and securely, allowing you to focus on what truly matters growing your business. Our services make transactions easier for both you and your customers, providing convenience and reliability. Visit us at 8540 Highway 270 White Hall Ar 71602 in White Hall, AR to learn more about how we can support your business journey! Reach out at (870) 535-6365 or explore our services online at https://www.pbcbcu.org/.

Tailored 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.

Comprehensive List Of Services

Business Banking Support

For our business members, we offer comprehensive business banking services, including merchant services and business loans. Whether you're just starting out or looking to expand, we're here to support your entrepreneurial spirit with flexible solutions.

Commitment to Technology

In today's fast-paced world, convenience is key. That's why Pine Bluff Cotton Belt prioritizes digital banking tools like mobile payments and person-to-person transfers. With these features, managing your money has never been easier. If you have any questions about our services or want assistance getting started, don't hesitate to reach out! Call us at (870) 535-6365 or visit us online at Pine Bluff Cotton Belt Fcu-white Hall for more information. We look forward to serving you!

Convenient Access Points

Our branch features an ATM for quick cash withdrawals and balance checks. Plus, take advantage of our drive-thru service for deposits and simple transactions without leaving your car. We also participate in shared branching, allowing members from partner credit unions to conduct transactions seamlessly at our location.

Credit Cards with Rewards

We also provide credit cards that come with rewards tailored for everyday spending. Picture yourself earning points on groceries or gas it's just one more way we aim to add value to your financial journey.

Loans for Every Need

When it comes to financing, we offer various loan options that cater to different life events. If you're planning to buy a car, our auto loans and vehicle financing solutions are designed with competitive rates to help you hit the road without breaking the bank. For those eyeing their dream home, our mortgage loans and refinancing services can guide you through securing the best deal available. For personal projects or unexpected expenses, consider our personal loans and debt consolidation options. We're here to help you manage your finances effectively so you can focus on what matters most.

Personal Banking Solutions

Whether you're looking to open a new checking or savings account, we have personal banking options that fit your lifestyle. Imagine having easy access to your funds anytime, anywhere, thanks to our user-friendly online and mobile banking features. You can check balances, transfer money, and pay bills all from the comfort of your home.

Digital & Online Banking

Key Services

Our online banking platform, accessible at https://www.pbcbcu.org/, allows you to manage your accounts 24/7. Whether you're checking your balance, transferring funds, or reviewing recent transactions, everything is just a tap away. Plus, with our mobile application available for download, banking on the go has never been simpler. You can enjoy the ease of electronic statements instead of paper ones Yes help keep your records organized and eco-friendly. If you ever need to send money to friends or family, our person-to-person transfer feature makes it straightforward and quick no more waiting in lines!

Security and Convenience

We prioritize your security with robust measures in place to protect your personal information. While we currently do not offer electronic signature authorization (No), rest assured that all transactions through our platform are secure and monitored. For those who love using their phones for payments, our mobile payments feature (Yes) is a fantastic option. It allows you to make purchases effortlessly while keeping track of your spending right from your smartphone. With all these tools at your fingertips, real-time account management is now within reach. You can feel confident knowing that Pine Bluff Cotton Belt has made banking not only accessible but also user-friendly. Start exploring our digital services today and see how easy managing your finances can be!

Financial Strength

A Solid Foundation

With a net worth of $9,658,562, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,372 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Dedicated Team

Our strength extends beyond numbers; it's also about people. We take pride in having 23 full-time employees and 2 part-time employees dedicated to serving you with knowledge and care. Your satisfaction is our top priority.

Growing Together

With a total of 10,863 deposit accounts, we have built a strong and growing member base that trusts us with their finances. Our net shares amounting to $398,389 are funds available for lending and investments, reinforcing our capacity to assist you further. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Pine Bluff Cotton Belt is your trusted partner. Visit us at 8540 Highway 270 White Hall Ar 71602 or call (870) 535-6365 to learn more about how we can help you achieve your financial goals.

Lending Capacity

We understand that our members have diverse needs. That's why we proudly offer $1,107 in used auto loans and $51,556,236 in total loans and leases to support your financial goals across various sectors. Our $126,565 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Member-Centric Savings

Members' savings are secured through $6,986,441 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $500,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvesting for Your Future

With $9,031,997 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to your financial well-being is unwavering.

Loan Offering

Additional Financing Options

For those considering business opportunities, we have plans to support your entrepreneurial ambitions as well. While we currently do not offer outstanding commercial loans at this time, we encourage you to inquire about future offerings and eligibility options that may arise. At Pine Bluff Cotton Belt, we're committed to helping you find the right financial solutions tailored to your unique circumstances. Our friendly staff is available to discuss your options and assist with any questions you may have. For more details about our loan products or to start your application process today, feel free to reach out at (870) 535-6365 or visit us at 8540 Highway 270 White Hall Ar 71602, located in White Hall, AR. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $12,579,147 in used vehicle loans and $3,714,653 in new vehicle loans already helping members get on the road. Whether you're looking for a new or used vehicle, our financing options can help you drive away with confidence.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,102,152, make buying or refinancing simple. We offer personalized service to guide you through the process, ensuring you find the right loan for your situation.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. Whether you need to consolidate debt or cover unexpected expenses, our credit cards are designed to provide support when you need it most.

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