Self-Help Credit Union Charlotte NC | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Self-help, your trusted partner in financial growth and community support, located at 431 Beatties Ford Rd, Charlotte, NC 28216. Established in 1983, our credit union has grown to serve over 89,275 members with a commitment to helping individuals and families achieve their financial goals. With total assets exceeding $1.85 billion, we pride ourselves on being a solid choice for both personal and business banking needs. At Self-help, we understand the importance of community. Our dedicated team of 306 employees, led by CEO Martin Eakes and Board President Deborah McKetty, is here to provide personalized service tailored to your unique financial situation. We offer a wide range of services including checking and savings accounts, auto loans, mortgage financing, personal loans, and business banking solutions. While members can visit us at our branch location, official correspondence should be sent to the same address: 431 Beatties Ford Rd, Charlotte, NC 28216. Our facility features convenient access to ATMs and drive-thru services for quick transactions. With total deposits of $147,717,428 and a net worth of $500,822,745, you can trust that your money is safe with us. We also maintain a robust cash reserve of $9,727,022 to ensure liquidity for our members' needs. Our goal is not just to be a financial institution but a vital part of the Charlotte community. By joining Self-help, you become part of an organization that prioritizes member welfare above all else. For any inquiries or assistance with your account, don't hesitate to reach out! You can call us at 704-375-5781 during our lobby hours from Monday to Friday between 9:00 AM and 5:00 PM. Join us today and experience the difference that comes from being part of a credit union that truly cares about its members! Explore more about what we offer by visiting our website at Self-help.

Branch History & Mission

Commitment to Innovation

As times change, so do we. Self-help embraces digital advancements like online banking and mobile applications to make banking more convenient for you. Our ADA-compliant facilities ensure that everyone can access our services comfortably. We also offer 24/7 ATM access and drive-thru banking for your convenience making it easier than ever to manage your finances on your terms.

Join Us Today

Whether you're looking for personal banking solutions or business financing options, Self-help is here for you. With dedicated staff ready to assist you during our operating hours (Monday through Friday from 9:00 AM to 5:00 PM), we invite you to visit us at 431 Beatties Ford Rd or contact us at 704-375-5781. Join us today and experience firsthand how Self-help can help you achieve your financial dreams while contributing positively to the community around us!

Our Journey

With a rich history spanning over four decades, Self-help has evolved into a trusted financial partner for nearly 89,275 members. From our humble beginnings, we have steadily increased our offerings and expanded our reach. Today, our total assets stand at an impressive $1,859,358,597, reflecting our commitment to responsible growth and service excellence. Our branch serves as more than just a place to manage finances; it is a hub for community engagement and outreach. We believe in building lasting relationships with our members while providing them with the tools they need to achieve their financial goals.

Our Mission

At Self-help, our mission is clear: to provide exceptional financial services while uplifting the communities we serve. We aim to foster economic empowerment by offering a wide range of services, including checking and savings accounts, auto loans, mortgages, personal loans, business banking solutions, and credit cards with rewards. We strive to ensure that everyone in our community has access to the resources they need to thrive financially. In addition to banking services, we actively engage in community outreach initiatives that promote financial literacy and well-being. We recognize that supporting our members goes beyond transactions; it involves understanding their needs and being there for them every step of the way.

Branch Location & Accessibility

Connect With Us

If you have any questions or need assistance with your banking needs, feel free to give us a call at 704-375-5781. We look forward to welcoming you into our branch soon! Come see how Self-help can make your banking experience more convenient and fulfilling!

Convenient Access

When you visit us, you'll find ample parking available, making it simple to drop by for all your banking needs. Our branch is fully ADA compliant, featuring ramps and accessible entrances to ensure everyone can access our services comfortably. Whether you're stopping by to open a new account or just need to make a quick deposit, we've got you covered!

Operating Hours

Our friendly team is here to assist you Monday through Friday from 9:00 AM to 5:00 PM. We understand that life gets busy, so we strive to provide flexible hours that suit your schedule. If you prefer to conduct transactions quickly, take advantage of our drive-thru banking service for deposits and withdrawals without ever leaving your car.

Services Offered

At Self-help, we offer a variety of personal and business banking services tailored to meet your financial goals. From checking and savings accounts to auto loans and mortgage refinancing, our knowledgeable staff is ready to help you navigate your options. Plus, with ATM availability at our branch, accessing cash is as simple as ever. While members can visit us at 431 Beatties Ford Rd, official correspondence should be sent to the same address as our mailing address: 431 Beatties Ford Rd, Charlotte, NC 28216.

Member Eligibility

Becoming a member of Self-help feels like joining a close-knit family that truly cares about your financial well-being. If you're wondering how to become part of this supportive community, the process is simple and welcoming! You can become a member if you live, work, worship, or attend school in the local area. This means that whether you're a long-time resident or new to the community, there's a place for you here. Not only do members enjoy access to competitive rates on loans and savings, but they also benefit from personalized service and a variety of financial products tailored just for them. To start your journey with us at Self-help, just visit us at our friendly location: 431 Beatties Ford Rd Charlotte Nc 28216. If you have questions or want to get started right away, feel free to give us a call at (704) 375-5781. For more detailed information about eligibility criteria, check out our resource page here. We can't wait to welcome you as a valued member!

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 $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.

Merchant Services

Imagine having a reliable partner that simplifies payment processing so you can focus on what matters most growing your business. Our merchant services provide secure payment solutions that enable you to accept payments easily and efficiently. From credit card processing to mobile payments, we help you keep pace with the demands of modern commerce. Located at 431 Beatties Ford Rd, Charlotte, NC 28216, we invite local businesses to explore how Self-help can be part of your success story. For more information or to get started, call us at 704-375-5781. Let's work together to turn your business vision into reality!

Comprehensive List Of Services

ATM and Drive-Thru Services

We know that sometimes convenience is key. That's why at Self-help, you'll find an ATM available for quick cash withdrawals or balance checks whenever you need it. Additionally, our Drive-Thru Banking allows for easy deposits, withdrawals, and simple transactions without leaving your vehicle. Our commitment is to ensure that all members feel supported and empowered in their financial journeys. If you're interested in learning more about how we can assist you or if you'd like to explore any of these services further, don't hesitate to reach out! Call us at (704) 375-5781, visit us at our branch in Charlotte, or check out our website at Charlotte - Beatties Ford Rd. We're excited to help you achieve your financial goals!

Business Banking Services

For entrepreneurs and business owners, Self-help offers tailored solutions that include Business Banking, such as merchant services and business loans. We understand how critical it is to have reliable financial support when running a business. Our team is ready to help you find the right services that will enable your business to thrive.

Digital Convenience

In today's fast-paced world, having access to your finances anytime and anywhere is vital. That's why we offer robust Online & Mobile Banking features. You can manage your accounts, pay bills, transfer funds, and even use our person-to-person payment service with ease all from the comfort of your home or on the go.

Loans and Financing

Need a new car? Our Auto Loans & Vehicle Financing can help you hit the road without breaking the bank. We offer competitive rates and flexible terms that fit your budget. If you're considering buying a home, our Mortgage Loans & Refinancing services are here to guide you through every option available, making homeownership a reality. For those unexpected expenses or consolidating debt, check out our Personal Loans & Debt Consolidation offerings.

Personal Banking Solutions

Managing your money should be simple and effective. With our Personal Banking options, including checking and savings accounts, you can easily keep track of your finances. Imagine walking into our branch or logging into online banking to see your budget organized and your savings growing this is what we strive for! Our Credit Cards with Rewards also provide great benefits for everyday purchases, giving you something back while you shop.

Digital & Online Banking

Key Features

One of the standout features is our electronic signature authorization, which simplifies processes like loan applications and account changes. You can complete these tasks securely without the need for paper forms. Additionally, we offer e-statements, helping you keep track of your finances while reducing clutter in your mailbox. Need to send money to a friend? Our person-to-person transfers let you easily send funds directly to someone else's account, making splitting bills or sending gifts a breeze. And for those who enjoy using their phones for payments, while we currently do not support mobile payments, our app provides many other functionalities to meet your banking needs. At Self-help, we prioritize your security with advanced measures in place to protect your information. Our systems are designed with user-friendliness in mind so that every member feels comfortable navigating their financial options. In a world that moves fast, having reliable access to your accounts is essential. With our comprehensive digital banking services, you're always just a click or tap away from managing your money effectively. Embrace the convenience today and explore all that we have to offer by visiting us at [ https://www.self-help.org/](url_text)!

Financial Strength

A Growing Community

With a growing member base of 116,979, it's clear that many people trust us with their finances. Our resources are dedicated to ensuring that you receive the best service possible while achieving your financial goals. 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 431 Beatties Ford Rd Charlotte Nc 28216 or call (704) 375-5781 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 Savings at the Forefront

We prioritize our members above all else. Members' 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, with $17,860,582 in non-member deposits, we focus our resources on benefiting you through better loan rates and exclusive perks.

Operational Efficiency

Our impressive $13,407,221 reflects our operational efficiency. This success enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 300 full-time employees and 6 part-time employees who are ready to assist you with their knowledge and commitment.

Reinvesting for Your Future

Our commitment to growth is evident with $146,751,833 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $1,167 in used auto loans and $1,637,133,842 in total loans and leases, our lending capacity supports your financial goals across various sectors.

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 $2,665 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

Additional Options

We have various financing options available for personal loans and debt consolidation as well. If you're interested in refinancing existing debts or exploring eligibility options for any of our products, our knowledgeable staff is ready to help you find the best solution. At Self-help Credit Union, we prioritize transparency and accessibility in all our financial services. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We invite you to visit us today or check out our website at self-help.org for more details on how we can assist you with your loan needs!

Auto Loans

Looking to buy a new car? Our auto loans provide 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, our financing options are tailored for your needs. Whether you're considering financing a new or used vehicle, we make the process straightforward and affordable.

Business Financing

For business owners seeking growth opportunities, our outstanding commercial loans totaling $261,180,593 provide the capital needed to expand your operations. We support local businesses by offering tailored solutions that fit your unique requirements.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $11,213,728, making buying or refinancing simple. We're committed to helping you navigate the home-buying process with ease and confidence.

Unsecured 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, these credit cards come with competitive rates and no hidden fees allowing you to use your credit responsibly.

Loan Aggregator

Accurate Loan 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 approach ensures that users receive fair and transparent offers. By utilizing verified data from legitimate financial institutions, LendMesh guarantees that the information presented is accurate and trustworthy.

Benefits of Using LendMesh

One of the key advantages of using LendMesh is its commitment to unbiased results. Unlike many other platforms, LendMesh does not prioritize lenders based on paid promotions. This means that users can trust they are seeing a true comparison of available loans without any hidden agendas. Additionally, LendMesh provides real-time rate comparisons from multiple institutions, enabling users to make informed decisions quickly. 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!" This testimonial highlights how LendMesh can make a significant difference for borrowers.

Call to Action

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