Self-Help Credit Union Charlotte NC | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Self-help, your trusted credit union located at 1065 Providence Rd, Charlotte, NC 28207. Since our establishment in 1983, we have dedicated ourselves to serving our community with reliable financial services that truly make a difference. With over 89,275 members and total assets amounting to an impressive $1,859,358,597, we pride ourselves on being a pillar of support for families and businesses alike. At Self-help, we understand that every financial journey is unique. Whether you are looking to secure an auto loan, open a checking account, or invest in your dream home, our diverse range of products and services is designed to meet your needs. Our commitment goes beyond numbers; it's about building lasting relationships within our community. In fact, we currently have 30 dedicated employees ready to assist you with personalized service. Under the leadership of our CEO, Martin Eakes, and Board President Deborah McKetty, we strive for excellence every day. Our team works hard to ensure you receive the best banking experience possible. With a net worth of $500,822,745 and cash in hand totaling $9,727,022, you can trust that your finances are in safe hands. While members can visit us at our branch location for transactions and consultations during lobby hours from Monday to Friday (9 AM - 5 PM), official correspondence should be sent to our mailing address: 1065 Providence Rd, Charlotte, NC 28207-2568. We invite you to explore how Self-help can empower your financial future. Call us at 704-554-7201 or visit our website at self-help.org today! Join us as we continue to foster growth and opportunity within our community because together, we're stronger.

Branch History & Mission

At Self-help, we take pride in our rich history and commitment to our community. Established in 1983, our branch at 1065 Providence Rd in Charlotte, NC, has grown to serve over 89,000 members. With total assets reaching an impressive $1,859,358,597, we have become a trusted partner for financial services in the region. From our inception, Self-help has focused on providing accessible banking solutions tailored to the needs of our members. We started as a small credit union with a vision: to empower individuals and families through affordable loans and sound financial guidance. Over the years, we've expanded our offerings to include personal banking services like checking and savings accounts, auto loans, mortgage loans, personal loans, credit cards with rewards, and business banking solutions. Our mission is simple yet profound: to create opportunities for economic self-sufficiency among our members while fostering strong community ties. We believe that everyone deserves access to fair financial services and support. This guiding principle drives us to engage in various outreach programs that help improve the lives of those we serve. While members can visit us at our branch address of 1065 Providence Rd, official correspondence should be sent to our mailing address: 1065 Providence Rd, Charlotte, NC 28207-2568. Located near significant landmarks in Charlotte, we are easily accessible for all your banking needs. Self-help is dedicated not only to providing quality financial products but also ensuring that they are delivered in a customer-centric manner. Our operating hours from Monday through Friday are 9 AM to 5 PM, allowing flexibility for busy schedules. We also offer convenient ATM access and drive-thru banking for quick transactions. As part of our commitment to innovation and accessibility, we have implemented digital advancements such as online banking and mobile applications that make managing finances easier than ever before. Additionally, we ensure ADA compliance across all services so that everyone can benefit from what we offer. Community partnerships play a vital role in fulfilling our mission. We collaborate with local organizations to support initiatives that promote financial literacy and economic empowerment. Through these efforts, we strive to uplift those around us while reinforcing the importance of community support. We invite you to join the Self-help family today! Experience firsthand how we can assist you in achieving your financial goals while contributing positively to your community. Visit us or give us a call at 704-554-7201 for more information about becoming a member. Together, let's build a brighter future!

Branch Location & Accessibility

Convenient Access

At Self-help, we understand that accessibility is key for our members. Our location features ample parking and is equipped with ADA-compliant facilities, ensuring that everyone can easily access our services. Plus, if you're on the go, take advantage of our drive-thru banking option for quick deposits and withdrawals without leaving your vehicle.

Get in Touch

Have questions or need assistance? Don't hesitate to call us at 704-554-7201! We look forward to welcoming you into our branch where friendly faces and helpful service await. Come see us today!

Operating Hours

We're here when you need us! Our lobby hours are Monday through Friday from 9 AM to 5 PM, allowing you to visit us during your lunch break or after work. If you prefer online transactions, we also offer robust online banking services that let you manage your accounts anytime.

Services and Features

Self-help offers a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Additionally, our ATM is available on-site for quick cash withdrawals and balance checks. If you're a member of a partner credit union, feel free to utilize our shared service center for your banking needs as well. While members can visit us at 1065 Providence Rd, official correspondence should be sent to the same address: 1065 Providence Rd, Charlotte, NC 28207-2568.

Member Eligibility

At Self-help, we believe that everyone deserves a chance to be part of a supportive community that helps them thrive. Joining our credit union is simple and welcoming! If you live, work, or worship in the area around 1065 Providence Rd Charlotte Nc 28207, you may be eligible for membership. We aim to make banking accessible to all, so whether you're looking for a checking account, an auto loan, or just need some friendly financial advice, we're here for you. To learn more about the specific eligibility criteria, feel free to check out this link. Becoming a member at Self-help means gaining access to a variety of financial services tailored just for you, along with personal service from our dedicated team. Opening an account is a breeze just visit us at 1065 Providence Rd Charlotte Nc 28207 or give us a call at (704) 554-7201 during our business hours. We can't wait to welcome you into our family!

Business Banking & Commercial Services

Merchant Services That Make Sense

Imagine being able to process payments quickly and securely while managing your finances all in one place. Our merchant services help you streamline transactions, so you can focus on what really matters: growing your business. From credit card processing to online payment solutions, we provide tools that make day-to-day operations smoother. Visit us at 1065 Providence Rd Charlotte Nc 28207, Charlotte, NC or call us at (704) 554-7201 to learn more about how we can assist you in achieving your business goals!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $123 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $201 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $261,180,593, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

With our ATM services, accessing cash is easy. You can withdraw money or check your balance at ATMs conveniently located throughout the area.

Auto Loans & Vehicle Financing

If you're considering buying a new car, our auto loans and vehicle financing services can help make that dream a reality. With competitive rates and flexible terms, you can drive away in the vehicle you desire without breaking the bank. We also provide guidance on how to choose the best financing option for your budget.

Business Banking

For entrepreneurs and business owners, we offer comprehensive business banking services, including merchant services and business loans. We understand the challenges of running a business, which is why we provide tools and resources to help you thrive.

Credit Cards with Rewards

Our credit cards with rewards let you earn points on everyday purchases. Whether you're shopping for groceries or planning a special trip, these rewards can add up quickly, giving you more value for your spending.

Drive-Thru Banking & Shared Branch Transactions

Need quick access to your funds? Our drive-thru banking allows for deposits and withdrawals without leaving your car. Plus, as part of our shared service center network, members can perform basic transactions like deposits and withdrawals through partner credit unions. At Self-help, we believe that financial wellness should be accessible to everyone. If you're interested in learning more about any of our services or have questions about how we can assist you on your financial journey, feel free to call us at (704) 554-7201 or visit us in person at 1065 Providence Rd Charlotte Nc 28207. We're here to help!

Mortgage Loans & Refinancing

Thinking about buying your first home or refinancing an existing mortgage? Our mortgage loans and refinancing options are crafted to simplify the process for you. We know that purchasing a home is one of the most significant decisions you'll ever make, so we're here to support you every step of the way.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking services. You can check balances, transfer funds, and pay bills right from your smartphone or computer anytime, anywhere.

Personal Banking

We offer various personal banking options, including checking and savings accounts designed to help you manage your money effectively. Imagine having a checking account that fits your lifestyle whether you're saving for a dream vacation or managing everyday expenses, our accounts come with features that make banking straightforward and accessible.

Personal Loans & Debt Consolidation

For those looking to consolidate debt or fund personal projects, our personal loans offer a reliable solution. With straightforward terms and manageable repayment plans, you can take control of your finances without feeling overwhelmed.

Digital & Online Banking

Key Features

Our online banking platform allows you to view your account balances, transfer funds, and pay bills with just a few clicks. Plus, if you're always on the go, our mobile application makes it even simpler to stay connected with your finances right from your smartphone. You can download it easily and manage your accounts on the move! We also provide electronic statements, so you can say goodbye to paper clutter. Enjoy the ease of accessing your statements digitally whenever you need them. If you prefer signing documents online, our electronic signature authorization feature lets you do that securely no more waiting for paperwork to arrive in the mail.

Safety & Accessibility

Security is a top priority at Self-help. Our systems are designed to keep your information safe while providing user-friendly access to all features. Whether it's making person-to-person transfers or utilizing other online services, rest assured that your transactions are protected. With our commitment to accessibility and ease-of-use, managing your finances has never been more straightforward. Visit us today at https://www.self-help.org/ to explore all the ways we can support your banking needs!

Financial Strength

Growing Membership Base

Our total share accounts stand at 116,979, showcasing a strong and growing member base that trusts us with their finances. This community support further strengthens our position as a reliable partner for your financial needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Self-help is your trusted partner. Visit us at 1065 Providence Rd Charlotte Nc 28207 or call (704) 554-7201 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.

Member-Focused Savings Options

Your savings are secured through $232,069,390 in share certificates and $714,444,621 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $17,860,582, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our commitment to operational efficiency is reflected in our $4,200,525, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 300 full-time employees and 6 part-time employees who are dedicated to serving you with a knowledgeable, committed team.

Reinvestment for Growth

With $146,751,833 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 your financial goals across various sectors with $1,167 in used auto loans and $1,637,133,842 in total loans and leases.

Solid Financial Health

With a net worth of $500,822,745, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 26.65% 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 $15,039,297 in used vehicle loans and $3,713,994 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 vehicle, we've got you covered.

Business Loans

For business owners, our outstanding commercial loans totaling $261,180,593 provide the capital needed to grow and expand. We are committed to supporting local businesses and helping them thrive. If you're considering refinancing any existing loans, we can help you explore your options to potentially lower your payments or access additional funds. Visit us at 1065 Providence Rd Charlotte Nc 28207 in Charlotte, NC, or give us a call at (704) 554-7201 during our operating hours from Monday to Friday, 9 AM to 5 PM. Our team is ready to assist you in finding the best loan solution for your needs. 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 your financial success!

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $5,711,942 in loans helping members manage their finances effectively. Our credit cards come with rewards programs that can benefit your everyday purchases while keeping your spending manageable.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $11,213,728, make buying or refinancing simple. We aim to guide you through every step of the process, ensuring you feel confident and informed.

Loan Aggregator

Benefits of Using LendMesh

Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that they are comparing genuine offers, free from misleading information. No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This commitment to neutrality allows users to focus on finding the best rates without being swayed by marketing tactics. Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. By presenting current data, LendMesh empowers borrowers to choose options that best suit their financial situations. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials underline the effectiveness and reliability of this tool. Compare real-time loan offers today 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.*

SELF HELP CREDIT UNION - Charlotte, NC

Type of Loan Offerings

Personal Loans

Compare Loan Rates Near You

Loan rates in Charlotte, NC (28207)