Southcoast Credit Union Fall River MA | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Southcoast, your trusted financial partner located at 363 Highland Ave, Fall River, MA 02720. Established in 1976, we are proud to serve a vibrant community with a strong commitment to delivering exceptional banking solutions tailored for you. Our credit union boasts a membership of over 4,468 members, and with total assets reaching an impressive $61,939,962, we stand as a reliable choice for personal and business banking needs. At Southcoast, we understand that financial health is vital for our members' success. That's why we offer a wide range of services, including checking and savings accounts, auto loans, mortgages, and credit cards with rewards. With a total loan portfolio of 1,519 loans and deposits totaling $3,369,481, our solid financial foundation allows us to support our members effectively. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: 363 Highland Avenue, Fall River, MA 2720. If you have any questions or need assistance, feel free to call us at 508-679-7046. Under the leadership of CEO Duarte Silva and Board President Robert Fernandes, our team of dedicated professionals comprising 19 employees works tirelessly to ensure your experience is positive and beneficial. We take pride in maintaining a net worth of $7,949,812 and cash in hand amounting to $897,822, ensuring that your money is safe and sound. Whether you're looking to open an account or explore loan options, we invite you to visit our website at Southcoast for more information. Join us today and experience the difference that community-focused banking can make in your life!

Branch History & Mission

At Southcoast, we take pride in our rich history and unwavering mission to serve our community. Established in 1976, our branch has been a steadfast pillar for the residents of Fall River, Massachusetts. Located at 363 Highland Ave, we are easily accessible to those in our neighborhood and beyond. As part of the Southcoast family, we have grown significantly over the years, now proudly serving 4,468 members with total assets exceeding $61 million. Our journey began with a commitment to provide financial services that prioritize the needs of our members. From humble beginnings, we have evolved into a full-service credit union offering a wide range of personal and business banking solutions. Our mission statement reflects this commitment: to enhance the financial well-being of our members while fostering a sense of community and support. While members can visit us at 363 Highland Ave, official correspondence should be sent to 363 Highland Avenue, Fall River, MA 2720. We welcome you to experience our friendly service during our operating hours: Monday through Wednesday from 8:30 AM to 4:00 PM, Thursday from 7:00 AM to 5:00 PM, and Friday from 8:30 AM to 4:00 PM. Southcoast is not just about banking; it's about building relationships. We strive to empower our members by providing them with tools such as online banking and mobile payments. Our ATMs are conveniently available for quick transactions. Though we do not offer drive-thru services or shared service centers at this location, our focus remains on delivering exceptional customer service directly within our branch. Community involvement is at the heart of what we do. We actively partner with local organizations and participate in outreach efforts that strengthen ties within Fall River. From educational workshops to financial literacy programs, we are dedicated to enhancing the lives of those around us. As we look toward the future, we invite you to join us on this journey. Experience the benefits of membership at Southcoast where your financial goals are met with genuine care and support. Together, let's build a brighter tomorrow for ourselves and our community. For more information or to become a member today, please call us at 508-679-7046 or visit us online at southcoastcu.org.

Branch Location & Accessibility

Accessibility Features

At Southcoast, we prioritize accessibility for everyone. Our branch is fully ADA compliant, ensuring that all members can visit us comfortably. Parking is available nearby, so you won't have to worry about finding a spot when you come in. Plus, our friendly staff is always ready to assist you with any needs you may have.

Connect With Us

Have questions? Don't hesitate to give us a call at 508-679-7046! Our dedicated team is eager to help you navigate your financial journey. Come visit Southcoast today we're excited to serve you!

Operating Hours

We are here for you during convenient hours: Monday through Wednesday from 8:30 AM to 4:00 PM, Thursday from 7:00 AM to 5:00 PM, and Friday from 8:30 AM to 4:00 PM. Whether you're looking to open a new account or get assistance with your existing services, feel free to drop by during these times.

Services Offered

At Southcoast, we offer a variety of financial services tailored just for you. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we aim to meet all your financial needs under one roof. We also provide online and mobile banking services for added convenience so you can manage your money on the go! While members can visit us at our branch location for personal service, official correspondence should be sent to our mailing address at 363 Highland Avenue, Fall River, MA 2720 if it differs from our physical address.

Member Eligibility

At Southcoast, we believe that everyone deserves access to supportive financial services and a community that truly cares. Joining us as a member is straightforward and welcoming! You can become a part of our family if you live, work, or go to school in the areas we serve. We aim to make banking accessible for all, and being a member means you'll enjoy personalized service, competitive rates, and a range of products designed just for you. For the full details on eligibility requirements, feel free to check out our dedicated page at https://southcoastcu.org/online-applications/. Opening an account with us is just as easy! You can start your journey by visiting our website at https://southcoastcu.org/online-applications/ or give us a call at (508) 679-7046 for any questions. We're located at 363 Highland Ave Fall River Ma 02720, ready to help you take the next step toward better banking. Join us today and experience the difference of being part of Southcoast!

Business Banking & Commercial Services

Business 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 $2 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

In today's fast-paced world, having reliable merchant services can set your business apart. Imagine being able to accept payments easily from customers, whether they're shopping online or in-store. Our merchant services simplify transactions, allowing you to focus on what matters most growing your business. Located at 363 Highland Ave, Fall River, MA 02720, we invite you to visit us or call us at 508-679-7046 to learn more about how we can help your business thrive!

Comprehensive List Of Services

Accessibility

At Southcoast, we prioritize making banking easy for everyone. With extended lobby hours on Thursdays from 7:00 AM to 5:00 PM and regular hours from 8:30 AM to 4:00 PM on other weekdays, you can visit us at a time that works best for you. Should you have any questions or require assistance, please don't hesitate to reach out at (508) 679-7046. In conclusion, whether you're just starting your financial journey or looking for advanced solutions for your business needs, Southcoast has something for everyone. Visit us today at 363 Highland Ave Fall River Ma 02720, explore all our offerings online at Charlton Memorial Hospital, and take the next step towards achieving your financial goals!

Business Banking

For our business members, we understand that every dollar counts. Our business banking services include essential tools like merchant services that can streamline transactions for your company and support in obtaining business loans for expansion or new projects.

Digital Banking

We know that convenience is key in today's fast-paced world. That's why we offer comprehensive online and mobile banking solutions. Manage your accounts from anywhere using our user-friendly mobile application or website. You can easily transfer money between accounts, pay bills, and even send money to friends through our person-to-person payment feature. For those moments when you need cash quickly, take advantage of our ATM services available at various locations for hassle-free withdrawals and balance checks.

Personal Banking

When it comes to personal banking, we offer an array of options designed to fit various lifestyles. Open a checking or savings account with us today and enjoy easy access to your funds. If you're considering purchasing a vehicle, our auto loans and vehicle financing services can help you get behind the wheel without breaking the bank. For those dreaming of homeownership, explore our mortgage loans and refinancing options that can simplify the process of buying or upgrading your home. If life throws unexpected expenses your way, consider our personal loans and debt consolidation services to help you manage your financial obligations effectively. Plus, don't forget about our credit cards with rewards, which allow you to earn points on everyday purchases while enjoying the benefits of flexible payment options.

Digital & Online Banking

E-Statements for Your Convenience

Forget about paper clutter! With e-statements available at Southcoast, you can easily access your statements online whenever you need them. This feature not only keeps your information secure but also helps you track your spending with ease.

Easy Access with Online Banking

With our 24/7 online banking services, you can check your account balances, pay bills, and transfer money without stepping foot in a branch. Simply visit us at http://www.southcoastcu.org to get started. You'll find everything you need right there, making it simple to stay on top of your financial goals.

Mobile Banking Made Simple

Our mobile application brings the power of banking directly to your smartphone. Whether you're checking your balance or making person-to-person transfers, our app makes it seamless. Plus, if you're on the go, you can take advantage of our mobile payments feature to make purchases quickly and securely.

Secure Transactions Every Time

Your security is our priority. Although we do not currently offer electronic signature authorization, we implement strong security measures to protect your personal information during all transactions. You can bank with confidence knowing that we take every precaution to keep your data safe. At Southcoast, we aim to provide a user-friendly experience that enhances how you manage your money. Join us today and discover the benefits of digital banking tailored just for you!

Financial Strength

Commitment to Growth

With $6,581,278 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 $281 in used auto loans and $34,817,126 in total loans and leases.

Growing Membership Base

Total Share and Deposit Accounts: 9,359, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Southcoast is your trusted partner. Visit us at 363 Highland Ave Fall River Ma 02720 or call (508) 679-7046 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Solutions

Members' savings are secured through $1,821,298 in share certificates and $5,648,197 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $2,159,243, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $93,388 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 16 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Position

With a net worth of $7,949,812, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.83% 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 $3,787,261 in used vehicle loans and $960,792 in new vehicle loans already helping members get on the road. With competitive interest rates and flexible terms, we aim to make your car financing process as smooth as possible.

Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $549,396 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits that can enhance your spending power while keeping your budget intact. Our commitment extends beyond just lending; we provide refinancing options for many of our loan products to ensure you always have access to the best rates available. If you're unsure about your eligibility, check out our online application process at https://southcoastcu.org/online-applications/. For any questions or further assistance, feel free to reach us at (508) 679-7046 during our lobby hours: Mon - Wed from 8:30 AM to 4:00 PM and Thursday from 7:00 AM to 5:00 PM. 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 let's get started today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $11,350,464, make buying or refinancing simple. We provide tailored solutions that suit your needs, whether you're a first-time homebuyer or looking to refinance your existing mortgage.

Personal Loans and Credit Lines

For those unexpected expenses or planned purchases, our personal loans are designed to provide you with quick access to funds when you need them most. Additionally, we offer credit lines totaling $15,153,322, giving you flexibility in managing your finances.

Loan Aggregator

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SOUTHCOAST FEDERAL CREDIT UNION - Fall River, MA

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