Shelby/Bolivar County Credit Union Shelby MS | Low Mortgage Rates & Auto Loans

Introduction

Connect with Us

While members can visit us at our branch for all their banking needs, official correspondence should be sent to P.O. Box 790, Shelby, MS 38774. Feel free to reach out by phone at 662-398-7091 or explore more about us on our website: shelbycu.org. Join us today and experience the difference that comes from being part of a community-focused credit union!

Our Community Commitment

As a member-focused institution, we understand the importance of building lasting relationships within our community. We offer a variety of services including checking and savings accounts, auto loans, mortgage refinancing, personal loans, and credit cards with rewards. Whether you're looking to buy a new car or save for a dream home, our team is here to help you navigate your financial journey. Under the leadership of CEO Barbara Black and Board President Robert Scott, our small but dedicated team of four employees works tirelessly to provide exceptional service. We are proud to be an institution where members can always find friendly faces ready to assist them.

Branch History & Mission

Evolution Over the Years

Located at 1003 Broadway Street, Shelby, MS 38774, our branch has witnessed significant growth and transformation since its inception. With a current total membership of 2,027 and assets totaling $4,247,256, we've expanded our offerings while maintaining our core mission: to empower our members through personalized banking solutions. Although we do not have an ATM or drive-thru service at this location, our dedicated staff is here to assist you during our operating hours from 9 AM to 5 PM Monday through Friday, except Wednesdays when we are closed. Our headquarters in Boyle, MS has provided us with the foundation needed to thrive. Over the years, we've built strong partnerships and engaged in community outreach efforts that enhance the lives of those we serve. We believe that by investing in our community, we can make a lasting impact.

Join Us

We invite you to become part of the Shelby Bolivar County family. Experience firsthand the benefits of being a member of a credit union that genuinely cares about your financial well-being. Whether you need assistance with loans or are looking for ways to save more effectively, we're here for you every step of the way. For more information about joining us or exploring our services further, feel free to reach out at (662) 398-7091 or visit our website at shelbycu.org. Together, let's build a brighter financial future!

Our Mission

At Shelby Bolivar County Credit Union, our mission goes beyond just offering financial products. We strive to create a supportive environment where members feel valued and understood. Our focus is on providing exceptional personal banking services including checking and savings accounts, auto loans and vehicle financing, mortgage loans and refinancing options, personal loans and debt consolidation assistance, as well as rewarding credit cards. Additionally, we offer business banking solutions such as merchant services and business loans. We understand the importance of adapting to new technologies. That's why we provide online banking services that allow members to manage their finances conveniently from anywhere. While we currently do not offer mobile payments or an app for mobile banking, we are committed to evolving with the needs of our members. While members can visit us at 1003 Broadway Street for all their banking needs, official correspondence should be sent to P O BOX 790, Shelby, MS 38774 if it differs from our branch address.

Branch Location & Accessibility

Accessibility Features

At our branch, we prioritize accessibility for all members. You'll find ample parking available right outside, along with ADA-compliant features to ensure everyone can easily access our services. We believe that banking should be an enjoyable experience for everyone!

Operating Hours

We are here for you Monday through Friday from 9 AM to 5 PM, making it easy to fit your banking needs into your schedule. Please note that we are closed on Wednesdays. If you have any questions or need assistance, don't hesitate to give us a call at 662-398-7091. Our team is always ready to help!

Services Offered

Shelby Bolivar County offers a variety of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have solutions designed to meet your financial goals. While we currently do not offer ATM services or drive-thru banking, our dedicated staff is here to assist you in person. We encourage potential members and community residents alike to drop by our branch and explore what we have to offer! Your financial journey begins here at Shelby Bolivar County Credit Union come visit us today!

Member Eligibility

Becoming a member of Shelby/bolivar County is like joining a welcoming family that supports your financial journey. If you live, work, or worship in the Shelby area, you're likely eligible to join us! We believe in creating a community where everyone has access to quality financial services. Whether you're looking for personal banking options, auto loans, or business support, our friendly team is here to help you every step of the way. To find out more about who can join and the simple steps to open an account with us, visit our eligibility page at . You can also call us at (662) 398-7091 if you have any questions or need assistance. We can't wait to welcome you to Shelby/bolivar County at 1003 Broadway Street Shelby Ms 38774, where your financial well-being is our top priority!

Business Banking & Commercial Services

Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Additionally, our merchant services offer real-world benefits that can streamline your operations. From payment processing to managing transactions efficiently, we provide tools that allow you to focus on what you do best running your business. With personalized service and local expertise, we are here to ensure your business banking experience is as smooth as possible. Visit us at 1003 Broadway Street Shelby Ms 38774 in Shelby, MS, or call us at (662) 398-7091 to learn how we can partner in your success!

Comprehensive List Of Services

Additional Services

We also provide ATM and cash withdrawal services for those times when you need quick access to cash. Although we currently do not have ATMs or drive-thru service at our branch, our online features ensure that banking remains accessible. At Shelby/bolivar County, we believe in building strong relationships with our members through personalized service and comprehensive financial solutions. If you're ready to learn more about how we can help you achieve your financial goals, don't hesitate to reach out! Call us at (662) 398-7091 or visit us online at https://www.shelbycu.org . Your financial journey starts here!

Business Banking Services

For our members who own businesses or are looking to start one, our business banking services are designed with you in mind. From merchant services that streamline payments to business loans that help fund your growth, we're here to support your entrepreneurial journey.

Convenient Digital Banking

In today's fast-paced world, having access to your accounts anytime, anywhere is essential. That's why we offer online and mobile banking services that let you check balances, pay bills, and transfer money with ease. You can stay connected without needing to visit the branch physically.

Credit Cards with Benefits

When it comes to credit cards, we offer options that come with rewards! Our credit cards not only provide purchasing power but also allow you to earn points on everyday spending. This can be an excellent way to save on future purchases or enjoy exclusive benefits.

Home Financing Made Easy

Buying a home is a significant milestone, and at Shelby/bolivar County, we aim to make the mortgage process straightforward. Our mortgage loans and refinancing options are tailored to suit your specific needs, ensuring you find the best terms possible. Our team is here to guide you every step of the way, making sure you feel confident in your choices.

Personal Banking Solutions

Our personal banking services include checking and savings accounts that fit your lifestyle. If you're planning a big purchase or just want to keep your savings safe, our accounts offer flexible options with competitive interest rates. Need extra funds? Our auto loans and vehicle financing solutions can help get you behind the wheel without breaking the bank. We understand that life can be unpredictable, which is why our personal loans and debt consolidation options are here to assist you in managing expenses when they arise.

Digital & Online Banking

E-Statements and More

For those who prefer going paperless, we offer e-statements that allow you to view your account statements digitally. This not only helps reduce clutter but also makes it easier for you to keep track of your finances. Plus, with no electronic signature authorization needed for certain transactions, managing your money has never been simpler.

Key Services

Our online banking services provide you with 24/7 access to your accounts, allowing you to check balances, transfer funds, and pay bills anytime, anywhere. It's all about giving you real-time control over your financial activities while ensuring that your information is safe and secure.

Mobile Convenience

While we currently do not offer mobile payment options or a dedicated mobile application, our online platform is fully optimized for mobile use. You can easily access all features on your smartphone or tablet. Additionally, although person-to-person transfers are not available right now, we continually strive to enhance our services based on member feedback. In short, at Shelby/bolivar County, we're committed to making banking easy and accessible for you. Whether you're checking in on your savings or planning your next loan, our online banking services have got you covered! For more details and to start banking digitally today, visit us at https://www.shelbycu.org .

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 2,066, show a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments stand at $167,742, further illustrating our stability. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Shelby/bolivar County is your trusted partner. Visit us at 1003 Broadway Street Shelby Ms 38774 or call (662) 398-7091 to learn more about how we can help you achieve your financial goals.

Investment in Our Future

With $831,813 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to your financial well-being is reflected in our lending capacity; with $72 in used auto loans and $1,189,280 in total loans and leases, we support members' financial goals across various sectors.

Member-Centric Approach

Members' savings are secured through $578,395 in share certificates, 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.

Operational Efficiency

Our operational efficiency is evident in our $-11,666, allowing us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 3 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $820,147, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,931 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

At Shelby/bolivar County, we understand that everyone has unique financial needs. Whether you're looking to buy a new car, purchase a home, or consolidate debt, we have loan products tailored just for you. Our goal is to support our members in achieving their financial aspirations. With over 291 loans issued, we've helped thousands of members achieve their financial goals. Our auto loans are particularly noteworthy looking to buy a new car? We offer some of the lowest rates in the industry, with over $672,605 in used vehicle loans and $142,193 in new vehicle loans already helping members get on the road. If homeownership is on your mind, our mortgage options make buying or refinancing simple. We currently offer Junior Lien 1-4 Family Residential Properties loans totaling $0. This means that whether you're buying your first home or refinancing your current mortgage, we have the resources to help you navigate the process. For those interested in managing day-to-day expenses more effectively, our unsecured credit card loans provide flexible terms designed to fit your lifestyle, although currently, we have no outstanding amounts in this category. In addition to these options, we also provide credit lines totaling $100,000 to give our members access to funds when they need them most. And for business owners, while we currently have no outstanding commercial loans available, we're always here to discuss future opportunities as your business grows. We encourage you to reach out if you're considering refinancing or want to explore eligibility options for any of our loan products. We're here to guide you through every step of the process. Feel free to contact us at (662) 398-7091 or visit us at 1003 Broadway Street Shelby Ms 38774 in Shelby, MS. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Your journey toward achieving your financial goals starts here at Shelby/bolivar County!

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SHELBY/BOLIVAR COUNTY FEDERAL CREDIT UNION