Softite Community Credit Union Martins Ferry OH | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Softite Community, your trusted partner in financial growth and community support since 1969. Located at 1201 S Zane Hwy, Martins Ferry, OH 43935, we pride ourselves on offering personalized banking solutions designed to meet your unique needs. With a total membership of 3,870 individuals and assets reaching an impressive $35,421,214, we are dedicated to fostering financial wellness within our community. At Softite Community, we understand that every member's journey is different. That's why we offer a range of services including personal banking options such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. We also cater to businesses with merchant services and business loans to help you thrive in today's competitive landscape. While members can visit us at our physical branch for face-to-face assistance, official correspondence should be sent to our mailing address: 1201 S Zane Hwy, Martins Ferry, OH 43935-1965. Our friendly team, led by CEO Pam Fankhouser and Board President James Lepic, is committed to providing exceptional service with a personal touch. With total deposits amounting to $3,124,840 and cash in hand of $832,499, we ensure that your funds are safe and readily accessible. Additionally, our strong net worth of $4,964,853 reflects our stability and commitment to responsible financial practices. We invite you to reach out to us at 740-633-2103 or visit our website at softitecfcu.com for more information about how we can assist you on your financial journey. Join us today and experience the difference that comes from being part of the Softite Community family!

Branch History & Mission

Looking Ahead

As we continue to grow and adapt in this fast-changing world, we remain focused on enhancing the member experience through customer-centric initiatives. With no ATM availability currently offered at our branch and no shared service centers nearby, we're committed to ensuring our drive-thru remains an efficient option for basic transactions. Join us at Softite Community and experience firsthand how we can help you achieve your financial goals. Whether you're looking for a new place to bank or seeking support for your financial journey, we're here for you every step of the way. For more information or inquiries, feel free to reach us at 740-633-2103 or visit our website at Softite Community. We look forward to welcoming you into our family!

Our Evolution

Located at 1201 S Zane Hwy, Softite Community has grown from its humble beginnings into a thriving institution with total assets reaching an impressive $35,421,214. Over the years, we've embraced change while maintaining our commitment to our community. From expanding our range of services to incorporating modern banking technologies like online and mobile banking, we have continuously adapted to meet the evolving needs of our members. Our drive-thru service makes transactions convenient for those on the go, while our lobby hours Monday through Wednesday from 9:00 AM to 5:00 PM and Thursday through Friday from 9:00 AM to 5:00 PM ensure that personal assistance is always available when you need it. For any correspondence, please use our mailing address: 1201 S Zane Hwy, Martins Ferry, OH 43935-1965.

Our Mission

At Softite Community, our mission goes beyond just providing financial services; it encompasses a deep commitment to community support. We strive to empower individuals and families by offering a range of services including checking and savings accounts, auto loans, mortgage financing, personal loans, business banking solutions, and more. We believe that everyone deserves access to the tools they need for financial success. Our dedication is evident in our outreach initiatives aimed at supporting local organizations and events that enrich our community. By forming partnerships within Martins Ferry and surrounding areas, we aim to make a positive impact on the lives of those we serve.

Branch Location & Accessibility

Accessibility Features

At Softite Community, we prioritize accessibility for all members. Our branch is fully ADA compliant, featuring ramps and accessible parking options to ensure everyone can visit us comfortably. Whether you're coming in for personal banking services or simply need assistance, our staff is ready to help.

Call to Action

We invite you to stop by Softite Community anytime during our operating hours or give us a call at 740-633-2103 if you have any questions. Let us show you how banking can be both convenient and personable! Your financial journey starts here with us at Softite Community!

Operating Hours

Our operating hours are designed to fit your schedule. Visit us Monday through Wednesday from 8:00 AM to 5:00 PM for lobby service or take advantage of our drive-thru from 8:00 AM to 5:00 PM as well. On Thursday and Friday, lobby hours start at 9:00 AM and continue until 5:00 PM.

Parking and Services

Parking is available right outside the branch for your convenience. We also offer drive-thru banking services, making it simple for you to handle deposits, withdrawals, and other transactions without leaving your vehicle. While we currently do not have ATM services on-site, our team is always available to assist with cash withdrawal needs during business hours.

Member Eligibility

At Softite Community, we believe that everyone deserves a place in our family. Becoming a member is simple and welcoming. If you live, work, worship, or attend school in Belmont County, Ohio, you're already eligible to join us! We take pride in creating a community-focused environment where your financial needs are met with care and personal attention. As a member of Softite Community, you'll enjoy various services such as checking and savings accounts, auto loans, mortgages, and more all designed to help you thrive. To get started on your journey with us, just visit our branch at 1201 S Zane Hwy, Martins Ferry, OH 43935, or give us a call at 740-633-2103 for more information. You can also find detailed eligibility criteria by checking out our website at Softite Community. Joining is easy and opens the door to exclusive benefits tailored for you!

Business Banking & Commercial Services

Financing Options for Growth

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. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions tailored to diverse needs.

Practical Merchant Services

Imagine having the ability to accept payments from customers seamlessly, whether they prefer cash, credit, or digital wallets. Our merchant services simplify transactions, allowing you to focus on what matters most: running your business. With tools designed for efficiency and ease of use, you can improve customer experiences while streamlining your operations. If you're ready to take your business to the next level, visit us at 1201 S Zane Hwy Martins Ferry Oh 43935 in Martins Ferry, OH or give us a call at (740) 633-2103. Let's explore how we can partner together for success!

Comprehensive List Of Services

Credit Cards & Business Banking

For those who enjoy rewards on their spending, our credit cards with rewards can add extra value to your everyday purchases. Plus, if you're running a business, we have specialized business banking solutions, including merchant services and business loans tailored to meet your company's unique needs.

Drive-Thru Services

If you're looking for quick transactions without stepping inside, our basic drive-thru banking allows you to handle deposits, withdrawals, and simple transactions efficiently during lobby hours. At Softite Community, we strive to blend traditional banking values with modern conveniences. Whether you visit us in-person or utilize our digital tools, we're committed to making your banking experience smooth and enjoyable. We invite you to explore all that we have to offer! For more details about any service or to become a member today, please visit our website at Softite Community FCU or give us a call at 740-633-2103. Join us in achieving your financial dreams!

Modern Banking Convenience

Understanding the importance of convenience in today's fast-paced world, we provide robust online and mobile banking platforms. You can manage your finances from anywhere using our mobile application or take advantage of features like person-to-person payments. We also ensure that withdrawing cash is easy with our ATM and cash withdrawal services available at select locations.

Personal Banking Solutions

Our personal banking services include checking and savings accounts designed to fit your lifestyle. Whether you're saving for a big purchase or managing daily expenses, our accounts offer flexibility and ease. If you're considering buying a car, our auto loans and vehicle financing options make the process straightforward and affordable. We're here to help you hit the road with confidence. Need a place to call home? Our mortgage loans and refinancing services simplify home buying, making it easier for you to secure the best rates. We also offer personal loans and debt consolidation options to assist in managing finances or unexpected expenses.

Digital & Online Banking

Key Features

Our services include 24/7 online banking, allowing you to check balances, pay bills, and transfer funds without leaving your home. Need to send money to a friend? Our person-to-person transfer feature makes it easy to send cash instantly. Plus, if you prefer managing your finances on the go, our mobile application is available for download, ensuring you have access to your accounts right at your fingertips. We also prioritize security in all our online transactions. While we do not currently offer electronic signature authorization for documents, you can rest assured that your information is protected. We're committed to providing a user-friendly experience so that even if technology isn't your strong suit, you'll find it easy to navigate our services.

Stay Informed and Eco-Friendly

Another great feature of banking with us is the availability of e-statements. By opting for e-statements, you not only keep track of your account activity easily but also contribute to a greener environment by reducing paper waste. For those who enjoy using mobile payments, we've got you covered! You can make purchases directly from your smartphone with ease and confidence. At Softite Community, our goal is to provide our members with accessible and efficient banking solutions. Whether you're at home or on the move, we're here to help you manage your finances effectively and securely. Explore all these features today at https://www.softitecfcu.com/!

Financial Strength

A Solid Foundation

With a net worth of $4,964,853, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,402 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Commitment to Growth

With $4,518,203 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, with $454 in used auto loans and $18,203,811 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our $290,400 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 10 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Member-Centric Savings Options

Members' savings are secured through $3,395,523 in share certificates and $1,986,709 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. This focus is reflected in our zero non-member deposits ($0), ensuring that our resources are dedicated to benefiting you through better loan rates, lower fees, and exclusive perks.

Trust Built on Community

Total Share Accounts: 6,729, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $224,641. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Softite Community is your trusted partner. Visit us at 1201 S Zane Hwy Martins Ferry Oh 43935 or call (740) 633-2103 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $6,372,802 in used vehicle loans and $2,124,658 in new vehicle loans already helping members get on the road. We provide flexible terms tailored to fit your budget, making it easier for you to drive away with confidence.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $1,649,752, ensuring you have the support needed for one of life's biggest investments.

Personal and Business Loans

In addition to personal loans, we cater to business owners with outstanding commercial loans totaling $0. If you're looking for capital to grow and expand your business operations in Martins Ferry and beyond, keep us in mind as an option when those services become available. At Softite Community, we're dedicated to providing you with financial solutions that help you thrive. For more details on our loan offerings or if you're interested in refinancing options, please reach out to us at 740-633-2103 or visit us at 1201 S Zane Hwy Martins Ferry Oh 43935. 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're here to help you navigate your financial journey every step of the way!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. While our current total stands at $0, we aim to empower our members with effective financial management solutions when available.

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