Self-Help Credit Union Galax VA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Self-help, your trusted financial partner located at 305 S Railroad Ave, Galax, VA 24333. Since our establishment in 1983, we have proudly served our community with dedication and integrity. With a total membership of 89,275, we are more than just a credit union; we are a family committed to helping each member achieve their financial goals. At Self-help, we understand that every dollar matters. That's why our total assets exceed $1.85 billion, allowing us to provide robust services tailored to your needs. Our total deposits of $147,717,428 reflect the trust our members place in us daily. With a strong net worth of $500,822,745, we ensure that your finances are in safe hands. Our experienced team of 306 employees is led by our CEO, Martin Eakes, and Board President, Deborah McKetty. Together, they foster an environment where members feel valued and supported. We pride ourselves on offering a wide range of services including personal banking, auto loans, mortgages, and business financing all designed with your success in mind. While members can visit us at our branch address for all their financial needs, official correspondence should be sent to the same location: 305 S Railroad Ave, Galax, VA 24333-4024. Ready to take the next step in your financial journey? Give us a call at (276) 238-4637 or explore our website at www.self-help.org to learn more about how we can assist you today!

Branch History & Mission

Join Us

We invite you to become part of the Self-help family. By joining us, you not only gain access to valuable financial services but also contribute to a collective effort aimed at building a stronger community. Explore how we can help you achieve your dreams today! For any inquiries or assistance, feel free to reach out at (276) 238-4637. We look forward to welcoming you!

Our Journey

Since our inception at 305 S Railroad Ave, Galax, VA 24333, Self-help has seen remarkable growth and change. What began as a small initiative to help individuals gain access to essential financial resources has transformed into a thriving institution that supports members in achieving their financial goals. Our headquarters in Durham, NC continues to guide our mission of fostering economic empowerment through responsible lending and personalized service. As we evolved over the years, we embraced digital advancements to better serve our members. With features like online banking and mobile applications now available, we ensure that our services are accessible anytime and anywhere. Our commitment to ADA compliance means that all members can enjoy inclusive access to our offerings.

Our Mission

At Self-help, our mission is straightforward: We strive to provide exceptional financial services while making a positive impact on the lives of those in our community. This means offering products such as checking and savings accounts, auto loans, mortgage refinancing options, personal loans, and business banking solutions all tailored to meet the diverse needs of our members. We believe in supporting not just individual financial success but also the well-being of our entire community. Through partnerships with local organizations and outreach initiatives, we aim to uplift those around us by creating opportunities for growth and stability. While you can visit us at our branch location for assistance during our operating hours Monday through Friday from 9 AM to 5 PM official correspondence should be sent to our mailing address: 305 S Railroad Ave, Galax, VA 24333-4024.

Branch Location & Accessibility

Connect With Us

Have questions or want to learn more about what we can do for you? Don't hesitate to give us a call at 276-238-4637. We're excited to welcome you into our branch and support you on your financial journey!

Convenient Access and Parking

Parking is readily available near our entrance, making it simple for you to stop by and take care of your banking needs. We pride ourselves on being accessible to everyone, with ADA-compliant features to help those who may need a little extra assistance. While you can visit us at 305 S Railroad Ave for all your banking needs, please note that any official correspondence should be sent to the same address. Our friendly team is here to assist you during our lobby hours, which are Monday through Friday from 9 AM to 5 PM.

Services Offered

At Self-help, we offer a variety of personal banking services tailored to meet your financial goals. From checking and savings accounts to auto loans and mortgage refinancing, we've got options that fit every lifestyle. Plus, if you're looking for business banking solutions, we provide merchant services and business loans too! Although we do not have ATM services or drive-thru banking at this location, our team is always ready to help you with cash withdrawal services within the branch.

Member Eligibility

Joining the community at Self-help is more than just opening an account; it's about becoming part of a supportive family that looks out for each other. If you're wondering whether you can become a member, let me assure you that the process is welcoming and straightforward. Generally, anyone who lives, works, or worships in the area around 305 S Railroad Ave Galax Va 24333 is eligible to join us. We're excited to offer you access to a variety of benefits that come with membership, including personalized financial services tailored just for you. To get started, simply visit our branch or give us a call at (276) 238-4637 for more information. You can also check out the detailed eligibility criteria on our website at . Opening an account with us is designed to be easy and inclusive, allowing you to take advantage of everything we have to offer without any hassle. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine running your business without worrying about payment processing. Our merchant services provide reliable solutions that allow you to focus on what you do best serving your customers. From easy payment acceptance to tailored financial advice, we partner with you every step of the way. Located at 305 S Railroad Ave, Galax, VA 24333, our team is ready to discuss how we can help your business thrive. Give us a call at (276) 238-4637 or visit us during our operating hours from Monday to Friday, 9 AM to 5 PM. Let's work together to turn your vision into reality!

Tailored 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.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

While we currently do not have ATMs at this branch, we ensure that cash withdrawal services are available through various partner locations nearby. We want to make sure that accessing your funds is as convenient as possible. At Self-help, we're dedicated to offering comprehensive solutions tailored just for you. If you'd like more information about any of our services or how we can assist you further, don't hesitate to reach out! Call us at (276) 238-4637 or visit us at 305 S Railroad Ave Galax Va 24333 during our operating hours from Monday to Friday, 9 AM - 5 PM. Your financial well-being is our priority!

Business Banking

If you're an entrepreneur or a small business owner, you'll find valuable resources at Self-help. Our business banking services, including merchant services and business loans, are tailored to help you grow and manage your business effectively.

Credit Cards

We also offer credit cards with rewards, allowing you to earn points on everyday purchases. This means that not only do you get the convenience of credit, but you also have the opportunity to reap benefits as you spend.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. With our online platform, you can pay bills, transfer money, and check balances without stepping foot into the branch. Our mobile app makes it easy for you to stay connected with your finances on-the-go.

Personal Banking

Our personal banking services are designed with you in mind. We offer checking and savings accounts that come with competitive interest rates and low fees. Imagine easily managing your daily transactions while saving for future goals our accounts make this possible. If you're considering purchasing a vehicle, our auto loans and vehicle financing options provide flexible terms to fit your budget. For those looking to invest in real estate, our mortgage loans and refinancing services can help you secure the home of your dreams or lower your current payments. Additionally, if you're facing unexpected expenses, our personal loans and debt consolidation options can provide the support you need to regain control of your finances.

Digital & Online Banking

Mobile Banking Convenience

For those who prefer managing their finances on the go, our mobile application is here to help. With this app, you'll enjoy all the convenience of online banking right in your pocket. You can make person-to-person transfers easily and quickly sending money to friends or family has never been simpler! While mobile payments aren't available yet, we're constantly improving our services to enhance your banking experience. At Self-help, we're committed to providing accessible and efficient banking solutions that cater to all our members' needs. Join us today and experience the ease of digital banking with us!

Security Features

We take your security seriously. You can authorize transactions with confidence thanks to our electronic signature authorization feature. This means you can complete important documents securely online without needing to visit a branch. Additionally, our e-statements provide an eco-friendly way to keep track of your financial activity while ensuring sensitive information is kept safe.

Financial Strength

A Trusted Partner

Total Share Accounts: 116,979, showing a strong and growing member base that trusts us with their finances. 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 305 S Railroad Ave or call us at 276-238-4637 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.

Operational Efficiency

Our commitment to operational efficiency is reflected in our $13,407,221 net income, 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 and committed team.

Reinvesting in Our Members

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 members' financial goals across various sectors with 1,167 used auto loans and a total of $1,637,133,842 in loans and leases.

Strong 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 2665 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 considering a brand-new model or a reliable used vehicle, we have financing options that fit your budget.

Business Solutions

For business owners, our outstanding commercial loans totaling $261,180,593 provide the capital needed to grow and expand. We know that businesses have unique needs, and our team is here to help navigate those challenges.

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. Whether you need to make everyday purchases or cover unexpected expenses, our credit card options are designed with you in mind.

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 provide guidance throughout the process to ensure you feel confident and informed every step of the way.

Refinancing Options

If you're looking for better rates or terms on any of these products, ask about our refinancing options. We work hard to keep your financial health in focus and can assist you in finding ways to lower your payments or consolidate debt. At Self-help, we prioritize your financial well-being. With competitive rates and personalized service, we're here to support your journey toward financial success. For more information or assistance, don't hesitate to reach out at (276) 238-4637. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Loan Aggregator

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Ensuring Accurate Comparisons

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SELF HELP CREDIT UNION - Galax, VA

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans