Self-Help Credit Union Salisbury NC | Affordable Vehicle Loans & Checking

Introduction

Welcome to Self-help, your trusted financial partner located at 2146 Statesville Blvd, Salisbury, NC 28147. Since our establishment in 1983, we have proudly served the community with a commitment to helping our members achieve their financial goals. With a robust membership base of 89,275 and total assets reaching an impressive $1,859,358,597, we are dedicated to providing personalized banking solutions tailored to your needs. At Self-help, we understand that financial decisions can be overwhelming. That's why our experienced team of 306 employees, led by CEO Martin Eakes and Board President Deborah McKetty, is here to guide you every step of the way. Our services include everything from checking and savings accounts to auto loans, mortgages, personal loans, and business banking solutions. We also offer online and mobile banking options for your convenience. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 2146 Statesville Blvd, Salisbury, NC 28147. With total deposits of $147,717,428 and a net worth of $500,822,745, Self-help stands as a reliable institution in the community. We maintain a cash reserve of $9,727,022, ensuring that we are well-prepared to meet the needs of our members. Whether you're looking to secure a loan or open an account, our friendly staff is ready to assist you during lobby hours from Monday to Friday between 9:00 AM and 5:00 PM. Join us today at Self-help! Call us at 704-375-5781 or visit our website at self-help.org for more information on how we can support your financial journey. Your future starts here!

Branch History & Mission

Community Focus

Self-help isn't just about numbers; it's about people. We believe in giving back to the communities we serve. Our outreach programs focus on financial education and support for local initiatives that uplift our members and neighbors alike. We partner with various organizations to ensure that everyone has access to resources that help them thrive financially. We are proud of our achievements but remain focused on continuous improvement. Whether it's through enhancing customer service or expanding product offerings based on member feedback, our goal is always to better serve you.

Join Us Today

As we look forward to the future, we invite you to become part of our story. Experience firsthand how Self-help can help you achieve your financial goals while being an active participant in creating a stronger community. Visit us today or call us at 704-375-5781 during our operating hours of Monday through Friday from 9:00 AM to 5:00 PM. Together, let's build a brighter financial future!

Our Journey

From the start, our mission has been clear: to provide financial services that empower individuals and families while fostering community development. Over the years, we have achieved significant milestones that underscore our dedication to this mission. We have not only expanded our range of products offering personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards but also enhanced our technological capabilities. Today, we proudly offer online and mobile banking solutions that make managing your finances more convenient than ever. Our commitment to accessibility is evident through features like ADA compliance and drive-thru banking options for those who prefer face-to-face interactions without leaving their vehicles. While members can visit us at 2146 Statesville Blvd for all their banking needs, official correspondence should be sent to the same address.

Branch Location & Accessibility

Accessibility Features

At Self-help, we prioritize your comfort and ease of access. Our branch is designed with accessibility in mind, featuring ramps and ADA-compliant facilities. Whether you're visiting for personal banking or need assistance with loans, our friendly team is ready to help you every step of the way.

Convenient Services

We're here for you Monday through Friday from 9:00 AM to 5:00 PM, providing a range of services that cater to your financial needs. From checking and savings accounts to auto loans and mortgages, we've got you covered. Plus, with an ATM available on-site and a drive-thru service for quick transactions, banking with us is both efficient and straightforward. While members can visit us at 2146 Statesville Blvd, official correspondence should be sent to the same address for your convenience. If you have any questions or need assistance, don't hesitate to reach out at 704-375-5781.

Visit Us Today!

We invite you to come by and discover how Self-help can support your financial journey. Whether you're looking for advice on personal loans or exploring business banking options, our team is excited to meet you! Stop by today we're just around the corner!

Member Eligibility

Joining Self-help feels like becoming part of a warm, welcoming family where your financial goals are truly valued. To become a member, you simply need to meet a few friendly criteria that reflect our commitment to supporting the community. Whether you're a resident of Rowan County or share a connection through employment or family with one of our existing members, you're likely eligible! We believe in making banking accessible for everyone, which is why we strive to keep the process straightforward and inclusive. If you're ready to take the next step, opening an account with us is simple and can be done online or in person at our branch located at 2146 Statesville Blvd Salisbury Nc 28147. If you have questions about eligibility or the account opening process, feel free to reach out to us at (704) 375-5781. For more detailed information about membership requirements, please check out our website at . We look forward to welcoming you into the Self-help community!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine running your business without the hassle of payment processing. Our merchant services simplify transactions, allowing you to focus on what you do best serving your customers. From point-of-sale systems to online payment solutions, we ensure that handling payments is efficient and secure. Visit us at 2146 Statesville Blvd Salisbury Nc 28147, Salisbury, NC, or call us at (704) 375-5781 to explore how our business banking solutions can empower your company's growth today!

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

Auto Loans & Vehicle Financing

When it comes time to purchase a new car or refinance an existing loan, our Auto Loans & Vehicle Financing services can help get you on the road quickly and affordably. We understand that reliable transportation is essential for work and family life. That's why we offer competitive rates and flexible terms to make car ownership easier for you.

Business Banking

For entrepreneurs and business owners in Salisbury, our Business Banking services are designed to help your business thrive. From merchant services to business loans, we support local businesses with tailored solutions that enhance cash flow and promote growth.

Convenient Access

At Self-help, we understand the importance of convenience. With our Online & Mobile Banking, accessing your accounts has never been easier. You can check balances, pay bills, and transfer funds from the comfort of your home or on the go. Plus, our ATM services allow for easy cash withdrawals without hassle. You can visit us at 2146 Statesville Blvd, Salisbury, NC 28147, or give us a call at 704-375-5781 during our lobby hours from Monday to Friday from 9:00 AM to 5:00 PM. We invite you to discover how Self-help can assist with all your financial needs today!

Credit Cards with Rewards

Our Credit Cards with Rewards program offers members more than just purchasing power; it provides incentives for spending. Earn points on everyday purchases that can be redeemed for travel, merchandise, or cash back making every dollar spent work harder for you.

Mortgage Loans & Refinancing

Homeownership is a dream for many, and at Self-help, we're here to help make that dream a reality with our Mortgage Loans & Refinancing options. Whether you're buying your first home or looking to lower your monthly payments through refinancing, our team will guide you through the process, ensuring that you find the best fit for your budget.

Personal Banking

For those just starting out or managing day-to-day expenses, our Personal Banking options include checking and savings accounts designed to fit various lifestyles. Imagine having a safe place for your money while earning interest our accounts offer just that. You can easily manage your finances through our online and mobile banking platforms, ensuring that you can access your funds anytime, anywhere.

Personal Loans & Debt Consolidation

Life can be unpredictable; sometimes unexpected expenses arise. Our Personal Loans & Debt Consolidation services provide the financial relief you may need during tough times. By consolidating high-interest debts into one manageable payment, you can simplify your finances and potentially save money in interest payments.

Digital & Online Banking

Accessibility and Ease of Use

With our mobile payments feature currently not available, we still provide a robust banking experience through our app and online portal. You'll find it easy to keep track of your finances in real-time, making it simpler than ever to stay on top of your budget and spending habits. Our commitment to providing accessible banking means that you can take control of your finances anytime, anywhere. Whether you're using your laptop or smartphone, managing your money has never been more straightforward. At Self-help, we're dedicated to enhancing your banking experience with innovative tools that prioritize convenience and security. Explore all that our digital banking services have to offer today!

Key Features for Your Convenience

One of the standout features we offer is the ability to manage your accounts through our user-friendly mobile application. Whether you want to check your balance, pay bills, or transfer funds, everything you need is just a tap away. Plus, if you're looking to send money quickly to friends or family, our person-to-person transfer service makes it simple and fast. We also prioritize security with electronic signature authorization, ensuring that your transactions are both safe and efficient. For those who prefer paperless options, our e-statements are available so you can stay organized without the clutter of physical documents.

Financial Strength

Commitment to Growth

Our commitment to reinvesting in our community is evident with $146,751,833 in undivided earnings. This allows us to enhance our banking tools, improve lending options, and strengthen security measures for your peace of mind. With $1,167 in used auto loans and $1,637,133,842 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our $13,407,221 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 300 full-time employees and 6 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Trust

Total Share Accounts stand at 116,979, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $0, further emphasizing our commitment to member success. 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 2146 Statesville Blvd Salisbury Nc 28147 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-Centric Savings Options

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, 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.

Solid Financial Foundation

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

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 provide flexible terms tailored to fit your budget.

Credit Lines and Commercial Loans

For our business members, we provide outstanding commercial loans totaling $261,180,593, giving you the capital needed to grow and expand your operations. Additionally, our credit lines offer flexibility for both personal and business needs, ensuring you have the support necessary when unexpected expenses arise. If you're ready to take the next step in your financial journey or have questions about eligibility and refinancing options, please reach out to us at (704) 375-5781. Our team is here to guide you through every step of the process. 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 look forward to helping you achieve your financial aspirations!

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 offer competitive rates and various plans that can help you secure your dream home. Refinancing options are also available if you're looking to lower your monthly payments or tap into your home's equity.

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. This option is ideal for those who need quick access to funds without putting up collateral.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. This means users are presented with trustworthy options rather than deals that may come with hidden terms or fees. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Every comparison is made solely based on the rates and terms available, allowing users to make decisions free from external influences. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. This feature ensures that users are always looking at current offers rather than outdated information. Thousands of users trust LendMesh for their 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 effective LendMesh is in helping individuals secure better financial deals. 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