Softite Community Credit Union Saint Clairsville OH

Introduction

Welcome to Softite Community, your trusted partner in financial well-being! Located at 51370 National Rd, Saint Clairsville, OH 43950, we have proudly served our community since 1969. With a strong commitment to our members, we currently boast a total membership of 3,870 and hold assets totaling an impressive $35,421,214. At Softite Community Federal Credit Union, we understand that each member has unique financial needs. That's why we offer a wide range of services including personal banking, auto loans, mortgage refinancing, and business banking solutions. Our goal is to empower you with the financial tools necessary for success while ensuring you feel supported every step of the way. Under the leadership of our dedicated CEO, Pam Fankhouser, and Board President James Lepic, our team of 13 employees is here to provide personalized service and expert advice. We take pride in maintaining a solid financial foundation with total deposits of $3,124,840 and a net worth of $4,964,853. Our cash reserves stand strong at $832,499, ensuring we can meet your financial demands when you need us the most. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: 51370 National Rd, Saint Clairsville, OH 43950-8542. Whether you're looking to open an account or need assistance with loans and financing options, feel free to reach out to us at 740-526-8103. Join us today and discover how Softite Community can help you achieve your financial goals! Visit our website at softitecfcu.com for more information or stop by during our lobby hours from 9 AM to 5 PM Monday through Wednesday, 8 AM to 5 PM on Thursday, and 8 AM to 6 PM on Friday. We look forward to serving you!

Branch History & Mission

Community Impact

Our commitment goes beyond banking; it extends into supporting local initiatives and fostering partnerships that uplift our community. Through various outreach programs and events, we aim to contribute positively to Saint Clairsville and surrounding areas. We understand that when our community thrives, so do our members. As we look ahead, we remain focused on innovation and customer-centric initiatives while maintaining the warm atmosphere that has defined us since 1969. We invite you to join us at Softite Community Federal Credit Union experience firsthand how we can support your financial dreams! For inquiries or assistance, feel free to call us at (740) 526-8103 or visit our website at Softite Community. Together, let's build a brighter future!

Mission Statement

At Softite Community Federal Credit Union, our mission is clear: we strive to improve the financial well-being of our members while making a positive impact in our community. We believe that everyone deserves access to quality financial products and education that can help them achieve their goals. Whether it's assisting with debt consolidation or offering competitive rates on auto loans, we're here for you every step of the way. While members can visit us at 51370 National Rd Saint Clairsville Oh 43950, official correspondence should be sent to 51370 National Rd, Saint Clairsville, OH 43950-8542.

Our Story

Located at 51370 National Rd, Saint Clairsville, OH 43950, Softite Community has seen many changes since its inception. We started as a humble branch with a mission to empower individuals and families through accessible financial solutions. As we expanded our services and reach, we remained dedicated to building relationships based on trust and transparency. Our roots in this community are deep, and we take pride in being a part of your financial journey. Our dedication to enhancing member experience led us to embrace technology while still offering personalized service. Today, we provide online and mobile banking options alongside traditional services like checking and savings accounts, auto loans, mortgage loans, and more. We also ensure that all members can easily access their accounts through our ATM services and drive-thru banking facilities.

Branch Location & Accessibility

Accessibility Features

At Softite Community, we prioritize accessibility for all our members. Our branch is designed to be welcoming and easy to navigate. We have ADA-compliant features such as ramps and designated parking spots to ensure everyone can access our services without any hassle.

Come Visit Us!

Whether you're already a member or just curious about what we offer, we invite you to stop by our branch or give us a call at 740-526-8103. Our team is here to help with all your financial needs and answer any questions you may have. Experience the difference at Softite Community today!

Operating Hours

We know your time is valuable, so we offer flexible hours to fit your schedule. Our lobby is open from 9 AM to 5 PM Monday through Wednesday, with extended hours on Thursday from 8 AM to 5 PM and Friday from 8 AM to 6 PM. For those who prefer drive-thru banking, we're here for you Monday through Thursday from 8 AM to 5 PM and on Friday from 8 AM to 6 PM.

Services Offered

At Softite Community, we provide a variety of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Need cash? Our ATM is available for withdrawals and balance checks around the clock. Plus, our drive-thru service allows for quick deposits and simple transactions without leaving your vehicle.

Member Eligibility

At Softite Community, we believe that everyone deserves a supportive financial community. Joining us is simple and welcoming! To become a member, you just need to meet a few friendly criteria, which generally include living or working in our service area, or being related to an existing member. We're here to empower you with the best financial services tailored for your needs. You can find more detailed eligibility information on our website at . Once you're ready to join, opening an account is a breeze! Just give us a call at (740) 526-8103 or stop by our branch located at 51370 National Rd Saint Clairsville Oh 43950 during our convenient operating hours. Whether you're looking for checking and savings accounts, auto loans, or other personalized banking solutions, Softite Community is excited to welcome you into our family and help you achieve your financial goals!

Business Banking & Commercial Services

Merchant Services That Make Sense

Imagine your customers enjoying a smooth checkout experience while you manage your finances effortlessly. Our merchant services simplify payment processing, allowing you to focus on what you do best running your business. From accepting card payments to managing online transactions, we provide practical tools that help you thrive in today's marketplace. Visit us at 51370 National Rd Saint Clairsville Oh 43950 in Saint Clairsville, OH, or call us at (740) 526-8103 to learn how our business banking solutions can help take your company further. Together, let's build a brighter future for your business!

Tailored Loan Options

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.

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash on the go? Our branch features an ATM for quick withdrawals and balance checks. We also have basic drive-thru banking available for deposits, withdrawals, and simple transactions perfect when you're in a hurry!

Business Banking Services

For local entrepreneurs and businesses, we understand that having reliable banking support is essential. At Softite Community, we offer comprehensive business banking services, including merchant services that streamline payments and business loans that help fund your growth.

Convenient Digital Banking

In today's fast-paced world, convenience matters. That's why we provide robust online and mobile banking platforms. You can manage your accounts anytime, anywhere, with features like mobile payments, online bill pay, and even person-to-person payment options. Our goal is to ensure that you have easy access to your funds without any hassle.

Get Started Today

We invite you to discover how Softite Community can meet your financial needs! With dedicated service hours from 9 AM to 5 PM Monday through Wednesday, 8 AM to 5 PM Thursday, and 8 AM to 6 PM Friday, we're ready to assist you in person or over the phone at 740-526-8103. Join us at Softite Community Federal Credit Union, where your financial wellness is our top priority! Visit us online at softitecfcu.com to learn more about our offerings or get started today!

Personal Banking Solutions

When it comes to managing your everyday finances, we offer a variety of options tailored just for you. Our checking and savings accounts are designed to fit different lifestyles and savings goals. For those looking to make a larger purchase, our auto loans and vehicle financing options can get you on the road in no time. If you're considering buying a home, check out our mortgage loans and refinancing services that can help you secure the best rates available. In addition, if you're facing unexpected expenses or want to consolidate existing debts, our personal loans and debt consolidation options provide flexible solutions. Plus, don't forget about our credit cards with rewards they're perfect for earning points on purchases you make every day.

Digital & Online Banking

Key Features

Managing your money has never been easier. For those who prefer using their mobile devices, our mobile application brings all the features of online banking right to your fingertips. You can even make secure mobile payments with just a few taps. Plus, with person-to-person transfer options, sending money to friends or family is quick and straightforward. We also offer electronic statements for those who want to reduce paper clutter and keep track of their finances efficiently. While electronic signature authorization isn't currently available, we continue to enhance our digital offerings to serve you better.

Security and Accessibility

Your security is our top priority. Our digital banking services come equipped with robust security measures to keep your information safe while ensuring ease of use. Whether you're logging in from a computer or using our mobile app, rest assured that your transactions are protected. With the ability to access your accounts anytime and anywhere, managing your finances has never been more accessible. Discover how easy it is to take control of your financial life with Softite Community's digital and online banking services today!

Financial Strength

Commitment to Your Savings

Your savings are safe with us! Members' funds 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. 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.

Member Trust

The total share accounts stand at 6,729, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) are currently at $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 51370 National Rd Saint Clairsville OH 43950 or call 740-526-8103 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.*

Operational Efficiency

Our impressive net income of $290,400 reflects our operational efficiency. This allows 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 and committed team.

Our 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. This solid foundation is further demonstrated by our net worth ratio of 14.02%, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvestment for Growth

With $4,518,203 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve you better. Our ability to provide diverse lending solutions is reflected in our $18,203,811 total loans & leases, which includes $454 in used auto loans supporting members' financial goals across various sectors.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already facilitated over $6,372,802 in used vehicle loans and $2,124,658 in new vehicle loans, helping members get on the road with ease. Whether you're purchasing a brand-new vehicle or a reliable used car, our competitive rates make it more affordable than ever.

Credit Lines

For those looking for flexibility in managing cash flow, we provide credit lines totaling $3,000,000. This option allows you to access funds as needed while only paying interest on what you use.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Property loans totaling $1,649,752. Our knowledgeable team is here to guide you through the process and help you find a mortgage solution that fits your budget.

Refinancing Options

If you're already carrying existing debts or loans that may not be working for you anymore, consider our refinancing options. We can help evaluate your current situation and guide you through the best refinancing strategies available. At Softite Community, we're dedicated to empowering our members with financial solutions that fit their lives. For further details on any of our loan products or assistance with the application process, don't hesitate to contact us at 740-526-8103 or visit us online at Softite Community. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging, which is why we also provide flexible terms on unsecured credit card loans. While currently our total amount for unsecured credit card loans stands at $0, we are committed to offering solutions that help our members effectively manage their finances when they need it most.

Loan Aggregator

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SOFTITE COMMUNITY FEDERAL CREDIT UNION - Saint Clairsville, OH