Shuford Credit Union Granite Falls NC | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Shuford, your trusted financial partner in the heart of Granite Falls, NC. Located at 12 Falls Ave, our branch has been a cornerstone of the community since 1967. With a commitment to serving our members, we proudly support over 4,456 individuals who have chosen us for their banking needs. At Shuford, we understand that financial decisions can shape your future. That's why we offer a range of services tailored to meet your unique requirements. Whether you're looking for personal banking solutions like checking and savings accounts, or need assistance with auto loans and mortgages, we've got you covered. Our total assets amount to an impressive $33,633,245, reflecting our stability and dedication to member satisfaction. Our friendly team is led by CEO Jerry Gaillard and Board President Bruce Blackburn, both of whom are passionate about making financial services accessible and beneficial for everyone in our community. With just 8 employees, we pride ourselves on providing personalized service that makes every member feel valued. While members can visit us at our Granite Falls location, official correspondence should be sent to our mailing address at 882 16th St NE, Hickory, NC 28601. We invite you to explore our website at www.shufordcu.org to discover more about what we offer. With total loans amounting to 1,780 and total deposits reaching $1,669,276, Shuford stands as a robust institution ready to assist you in achieving your financial goals. Call us today at 828-496-3247 or drop by during our convenient hours Monday through Wednesday from 8:30 AM to 4:30 PM, and Thursday to Friday from 8:30 AM to 5:00 PM (closed daily from 1:00 PM to 2:00 PM for lunch). Join us as we continue to build a brighter financial future together!

Branch History & Mission

At Shuford, our journey began in 1967, rooted in a vision to provide reliable financial services to the Granite Falls community. Over the years, we have grown alongside our members, evolving from a small local credit union into a vital resource for over 4,400 members today. Our branch, located at 12 Falls Ave, Granite Falls, NC 28630, has been a cornerstone of support and financial guidance for many families and businesses in the area. Our mission is simple yet powerful: to empower our members by offering accessible financial products and services while fostering a sense of community. We believe that everyone deserves the opportunity to achieve their financial goals, whether it's securing an auto loan, refinancing a mortgage, or establishing a savings account. We pride ourselves on being more than just a financial institution; we are your partners in progress. In addition to traditional banking services such as personal and business loans, checking and savings accounts, and credit cards with rewards, we also focus on community outreach. Our partnerships with local organizations help us serve those in need and contribute positively to the lives of our neighbors. As technology advances, we remain committed to providing user-friendly digital banking options including online banking and person-to-person payment services. Our team ensures that all our services are ADA compliant so that everyone can enjoy easy access to their finances. While you can visit us at 12 Falls Ave, official correspondence should be sent to 882 16th St NE, Hickory, NC 28601. We invite you to experience the Shuford difference firsthand. Our dedicated team is here during lobby hours Monday through Wednesday from 8:30 AM to 4:30 PM and Thursday through Friday from 8:30 AM to 5:00 PM (closed daily from 1:00 PM to 2:00 PM for lunch) ready to assist you with any questions or needs. Join us at Shuford Credit Union and let us help you build a brighter financial future together! Call us at 828-496-3247 or visit our website at shufordcu.org for more information on how we can serve you.

Branch Location & Accessibility

Accessibility Features

At Shuford, we believe that banking should be accessible to everyone. Our branch is fully ADA compliant, featuring ramps and spacious parking to ensure ease of access. If you need assistance or have any questions during your visit, our friendly staff is always ready to help.

Call to Action

We invite you to stop by our Granite Falls branch today or give us a call at 828-496-3247. Discover how Shuford can help you reach your financial goals in a welcoming environment designed just for you!

Convenient Services

As a member of Shuford, you can enjoy a wide range of services tailored to meet your needs. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, our ATM is available for quick cash withdrawals or balance checks whenever you need it. While we don't offer drive-thru banking at this location, our friendly staff is always ready to assist you inside. If you ever need to send us mail or official correspondence, please use our mailing address at 882 16th St NE in Hickory, NC.

Operating Hours

We understand that your time is valuable. That's why we're open Monday through Wednesday from 8:30 AM to 4:30 PM, and Thursday to Friday until 5:00 PM. Please note that we take a lunch break daily from 1:00 PM to 2:00 PM, so plan your visit accordingly.

Member Eligibility

At Shuford, we believe that everyone deserves a chance to be part of a caring financial community. Becoming a member is easy and welcoming! If you live, work, or worship in the local area, you're likely eligible to join us. We aim to support individuals and families with personalized banking services tailored to your needs. Membership comes with fantastic benefits, including access to our competitive loan rates, savings accounts, and a friendly team ready to assist you. To learn more about the specific eligibility criteria, feel free to check out our detailed information at . If you're ready to take the next step and open an account, visit us online at https://shuford.cuconnections.com/loan-application, or give us a call at (828) 496-3247 for any questions. We can't wait to welcome you into the Shuford family at 12 Falls Ave, Granite Falls, NC 28630!

Business Banking & Commercial Services

Streamlined Merchant Services

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine running your daily operations without worrying about complicated transactions. Our solutions help you accept payments easily and securely, allowing you to focus on what matters most growing your business. Located at 12 Falls Ave Granite Falls Nc 28630 in Granite Falls, NC, our team is ready to partner with you on your path to success. Reach out today at (828) 496-3247 and discover how we can help you achieve your goals!

Tailored Commercial Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $11 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 $1,039,847, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Community-Focused Service

Located at 12 Falls Ave Granite Falls Nc 28630 in Granite Falls, our friendly team is always ready to assist you with any questions or concerns you may have about our services. You can reach us at (828) 496-3247 during our operating hours: Monday through Wednesday from 8:30 AM to 4:30 PM, and Thursday through Friday from 8:30 AM to 5:00 PM. At Shuford, we believe in building lasting relationships with our members while providing top-notch financial solutions tailored just for you. If you're ready to explore what we can do for you, visit us today or check out more about our offerings at Granite Falls Branch. Let's work together toward a brighter financial future!

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we provide online and mobile banking features that allow you to access your accounts anytime, anywhere. With just a few clicks, you can check balances, transfer money, and even pay bills from the comfort of your home or on the go. Plus, our ATM services ensure that cash withdrawals are always within reach making it easy for you to manage your finances without hassle.

Lending Options

When life throws unexpected expenses your way, our personal loans and debt consolidation services can provide the relief you need. We also offer credit cards with rewards that not only simplify transactions but also give back value for your spending. If you're a business owner, our business banking solutions including merchant services and business loans are designed to support your entrepreneurial journey.

Personal Banking Solutions

Our personal banking services are tailored to help you achieve your financial goals with ease. You can open checking and savings accounts that suit your lifestyle, allowing you to manage your funds effectively. If you're thinking about purchasing a new car, our auto loans and vehicle financing options can get you on the road quickly and affordably. For those considering homeownership, we offer competitive mortgage loans and refinancing options that make it easier for you to secure your dream home.

Digital & Online Banking

Key Features

One standout feature is our ability to facilitate person-to-person transfers. Need to send money to a friend? You can do it quickly and easily through our platform. Plus, if you prefer going paperless, we offer e-statements that allow you to view your account activity securely without cluttering your mailbox. While we currently don't support mobile payments or have a dedicated mobile application, rest assured that our online banking interface is user-friendly and straightforward on any device. It's designed for everyone, so even if technology isn't your strong suit, you'll find it easy to navigate. Security is always a top priority for us. Although we do not support electronic signature authorization yet, our systems are built with robust security measures to protect your personal information and transactions. In summary, at Shuford, we strive to provide you with accessible, secure, and real-time account management tools that fit seamlessly into your lifestyle. Explore the possibilities today by visiting http://www.shufordcu.org and take control of your finances like never before!

Financial Strength

Commitment to Innovation

With $3,718,851 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. We understand that your financial needs can vary widely; with $703 in used auto loans and $26,559,106 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Growing Trust

Total Share and Deposit Accounts: 8,175, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $121,350. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Shuford is your trusted partner. Visit us at 12 Falls Ave Granite Falls Nc 28630 or call (828) 496-3247 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 $1,998,178 in share certificates and $7,018,325 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $1,018,013, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $430,758 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 8 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Health

With a net worth of $4,214,968, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,251 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 $8,667,161 in used vehicle loans and $784,362 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new model or a reliable used vehicle, we have options that fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $1,039,847 provide the capital needed to grow and expand. We understand the unique challenges faced by small businesses and are dedicated to providing tailored solutions that help you thrive.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $211,313 in loans helping members manage their finances effectively. Our credit cards come with competitive rates and rewards that can enhance your purchasing power while keeping your finances in check.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $6,683,775, make buying or refinancing simple. We strive to make the process as straightforward as possible, allowing you to focus on what matters most creating memories in your new home.

Refinancing Options

If you're considering refinancing any existing loans or mortgages, our team is here to guide you through your options. We want to ensure you are getting the best deal available based on current market conditions. At Shuford, we prioritize transparency and member satisfaction. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. If you're interested in exploring our loan offerings further or have any questions regarding eligibility or application processes, please don't hesitate to reach out at 828-496-3247 or visit us at 12 Falls Ave Granite Falls Nc 28630. Your financial success is our mission let's work together to make it happen!

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