R T P Credit Union Cary NC | Best Auto Loans & Business Banking

Introduction

At R T P, located at 915 N Harrison Ave, Cary, NC 27513, we believe in building strong financial foundations for our members and the community. Established in 1968, our credit union has grown to support over 10,030 members with a commitment to providing personalized service and innovative financial solutions. With total assets exceeding $139 million and total deposits reaching $13,597,326, we are well-equipped to meet your banking needs. Under the leadership of CEO Charles Venable and Board President Walt O'Neal, our dedicated team of 30 employees is here to ensure you have access to the best financial products available. Whether you're looking for auto loans, mortgages, or personal loans, we aim to make your experience smooth and rewarding. Our current loan portfolio stands strong with 8,064 loans and leases issued, reflecting our commitment to helping our members achieve their goals. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to P O Box 12807, RTP, NC 27709. Our services extend beyond traditional banking; we offer online and mobile banking options for your convenience. At R T P, we're not just about numbers; we're about people. Our focus is on creating a positive impact within the Cary community and fostering long-lasting relationships with our members. If you're interested in joining a credit union that puts its members first, give us a call at 919-460-8911 or visit us online at rtpfcu.org to learn more about how we can help you achieve financial success!

Branch History & Mission

Community Focus

At R T P, we are more than just a financial institution; we are an integral part of the Cary community. We actively participate in local events and support various charities aimed at improving lives around us. We believe that when our community thrives, we all thrive. We invite you to join R T P today and experience the difference that a member-focused credit union can make in your life. Whether you're looking for personal banking solutions or business services, we're here for you every step of the way. Call us at 919-460-8911 or visit our website at rtpfcu.org to learn more about how we can assist you on your financial journey!

Mission Statement

Our mission is clear: we aim to empower individuals and families by providing accessible financial services and fostering community support. We believe that everyone deserves a chance to achieve their financial dreams. This commitment drives us to create programs that not only help our members manage their finances but also give back to the community through outreach initiatives and partnerships with local organizations.

Modern Solutions

In today's fast-paced world, we understand the importance of convenience. That's why we offer modern banking solutions such as online banking and mobile applications. Our branch features an ATM and drive-thru service for quick transactions, ensuring that your banking experience is as smooth as possible.

Our Journey

Since opening our doors, R T P has continuously evolved to meet the needs of our community. We started as a small credit union focused on providing essential banking services. Over the years, we've expanded our offerings to include personal banking, auto loans, mortgages, and business banking solutions. Our dedicated team of 30 employees works diligently to ensure that every member receives personalized service tailored to their unique financial goals. While members can visit us at 915 N Harrison Ave, official correspondence should be sent to P O Box 12807, RTP, NC 27709.

Branch Location & Accessibility

Accessibility Features

At R T P, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, ensuring that everyone can visit us without hassle. For those who prefer to drive, ample parking is available right outside our doors. Plus, if you're in a hurry, our drive-thru service allows you to complete simple transactions like deposits and withdrawals without leaving your vehicle.

Call to Action

If you're in the area or planning a visit soon, we invite you to stop by R T P Cary Branch. Our dedicated team is eager to welcome you and help with any questions or services you may need. Feel free to give us a call at 919-460-8911 for more information. We look forward to serving you!

Operating Hours & Services

We're here for you from 8:30 a.m. to 5:30 p.m., Monday through Friday, providing flexibility for your busy schedule. Whether you need personal banking assistance, auto loans, or help with online banking, our friendly staff is ready to assist you with all your financial needs. And for those who prefer cash access on-the-go, we offer ATM services right at the branch. While members can visit us at 915 N Harrison Ave for all their banking needs, official correspondence should be sent to our mailing address: P O Box 12807, RTP, NC 27709.

Member Eligibility

Becoming a member of R T P is like joining a welcoming family that truly cares about your financial well-being. If you live, work, worship, or attend school in the area, you're likely eligible to join us at our cozy branch located at 915 N Harrison Ave Cary Nc 27513. We believe in making banking accessible for everyone, so whether you're just starting out on your financial journey or looking to enhance your existing plans, we have something for you. You can enjoy a range of benefits including personalized service and competitive rates that can help you achieve your goals. For the most up-to-date eligibility criteria, feel free to check out our detailed information at http://www.rtpfcu.org/home/membership/become. Ready to open an account? The process is simple! Visit us online at http://www.rtpfcu.org/home/membership/become/apply, or give us a call at (919) 460-8911 if you have any questions. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Merchant Services

In addition to loans, we offer merchant services that simplify payment processing for your business. Whether you're running a retail shop or a service-based company, our tools make it easy for customers to pay securely and efficiently. Imagine the convenience of accepting payments anytime, anywhere this is what we provide. Join us at R T P, located at 915 N Harrison Ave Cary Nc 27513, where we're committed to empowering local businesses through personalized financial solutions. Let's grow together!

Comprehensive List Of Services

Business Banking

For entrepreneurs and small business owners, we offer tailored solutions through our business banking services. From merchant services that simplify transactions to business loans that support growth, we're committed to helping local businesses thrive.

Convenient Access

We understand that convenience matters in today's busy world. Our branch features basic drive-thru banking for quick deposits and withdrawals without leaving your car. Plus, with our ATM availability, accessing cash when you need it is simple. At R T P, we pride ourselves on being more than just a credit union; we're your partner in achieving financial wellness. If you're interested in learning more about any of these services or if you have questions about how we can assist you further, don't hesitate to reach out! Call us at (919) 460-8911, visit us during our operating hours from 8:30 a.m. to 5:30 p.m., Monday through Friday, or explore more on our website at Cary Branch. Your financial success starts here!

Credit Cards

Looking to earn rewards while you spend? Check out our credit cards with rewards, which let you earn points on every purchase you make. It's an excellent way to get more value from your everyday spending.

Loans and Financing

If you're thinking about buying a vehicle or refinancing your current loan, our auto loans and vehicle financing options can help put you behind the wheel quickly. We also offer mortgage loans and refinancing solutions for those ready to make a move in real estate. For those needing a little extra cash for unexpected expenses or planning a big purchase, our personal loans and debt consolidation services provide flexible terms to ease your financial burden.

Personal Banking

Our personal banking options include checking and savings accounts designed to fit various lifestyles. You can easily access your funds through our online and mobile banking services, allowing you to check balances, transfer money, and pay bills right from your smartphone or computer. Plus, with basic ATM access for withdrawals and balance checks, managing your finances has never been easier.

Digital & Online Banking

Key Features for Your Convenience

With 24/7 online banking services, you can check your account balances, transfer funds, and pay bills without stepping foot in a branch. Need to send money to a friend? Our person-to-person transfer feature makes it easy and hassle-free. Plus, you can enjoy the benefits of e-statements, which allow you to access your financial documents securely and quickly no more waiting for paper statements to arrive! If you're always on the move, our mobile application offers an easy way to manage your accounts right from your smartphone. While we currently don't offer mobile payments, our app still provides essential features that help keep your finances organized and accessible.

Security You Can Trust

At R T P, we prioritize your security. While we do not support electronic signature authorization at this time, all transactions are safeguarded with advanced encryption technology. This means you can bank online with peace of mind knowing that your personal information is protected. Our user-friendly interface ensures that even if you're not tech-savvy, navigating through your accounts is straightforward. We're committed to providing an accessible experience for all members. In summary, whether it's through our website or mobile app, R T P makes managing your money easier than ever. Discover how our digital banking services can enhance your financial journey today!

Financial Strength

Commitment to Growth and Innovation

With $10,694,514 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; we have $3,014 in used auto loans and $88,345,956 in total loans and leases available to support your financial goals across various sectors.

Member Savings Security

Members' savings are secured through $21,375,560 in share certificates and $18,144,539 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.

Member Trust

Total Share Accounts stand at 18,104, showing a strong and growing member base that trusts us with their finances. At R T P, our commitment goes beyond numbers; it's about building lasting relationships with our community. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, R T P is your trusted partner. Visit us at 915 N Harrison Ave Cary Nc 27513 or call (919) 460-8911 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.

Operational Efficiency

Our $52,262 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 30 full-time employees and 0 part-time employees who are dedicated to providing you with personalized service.

Solid Financial Foundation

With a net worth of $10,853,208, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 7.86% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $19,193,791 in used vehicle loans and $24,562,903 in new vehicle loans already helping members get on the road. Whether you're interested in a brand-new model or a reliable used vehicle, we have tailored solutions for both types of purchases.

Credit Lines and Other Financing Options

In addition to our main offerings, we have substantial resources available through our credit lines totaling $38,755,550. This gives you the flexibility to borrow as needed without having to apply for a new loan each time. For business owners, our outstanding commercial loans totaling $533,129 provide the capital needed to grow and expand. We understand the unique challenges that businesses face and are here to support your success. At R T P, we strive to provide personalized service tailored to your financial situation. If you're considering refinancing or are unsure about eligibility options, our team is here to help clarify any questions you may have. For more information about our loan offerings or how we can assist you further, please contact us at (919) 460-8911, or visit us at our branch located at 915 N Harrison Ave Cary Nc 27513 in Cary, NC. 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's work together towards achieving your financial goals today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $13,343,720, make buying or refinancing simple. We aim to make the process as smooth as possible, guiding you every step of the way.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $3,157,120 in loans helping members manage their finances effectively. This option is ideal for those who want to consolidate debt or cover unexpected expenses without collateral.

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 using verified sources ensures fair and transparent offers for users seeking loans.

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R T P FEDERAL CREDIT UNION - Cary, NC

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