Star USA Credit Union Beckley WV | Affordable Auto Loans & Business Banking

Introduction

At Star USA, we pride ourselves on being more than just a financial institution; we're a vital part of the Beckley, WV community. Since our establishment in 1936, we have dedicated ourselves to serving our members with integrity and trust. Located at 3871 Robert C Byrd Dr, Beckley, WV 25801, our branch has grown to support over 15,000 members, offering a range of services tailored to meet their needs. Our commitment to our members is reflected in our robust financial standing. With total assets exceeding $166 million and total deposits of around $5.5 million, we ensure that your money is not only safe but also working for you. We have facilitated over 5,120 loans and leases, empowering individuals and businesses alike to achieve their financial goals. Our net worth stands at an impressive $16.4 million, showcasing our stability and dedication to responsible financial management. Leadership at Star USA is rooted in community values. Under the guidance of our CEO, Daniel Smithson, Jr., and Board President, Tom Epps, our team of 40 employees works tirelessly to provide personalized service that sets us apart from traditional banks. Whether you're looking for personal banking options like checking and savings accounts, auto loans, or business banking solutions, we're here to help every step of the way. While members can visit us at our branch for face-to-face assistance, official correspondence should be sent to the same address: 3871 Robert C Byrd Dr, Beckley, WV 25801-2964. Feel free to reach out via phone at 304-256-7154 or send a fax to 304-357-2291 during our operating hours from Monday to Friday, 9 AM to 5 PM. Explore how Star USA can help you achieve your financial dreams by visiting our website at starusafcu.com today! Your journey towards financial well-being starts with us let's take that first step together!

Branch History & Mission

Community Focus

Star USA isn't just about numbers; it's about people. We actively engage in community outreach efforts and partnerships that uplift those around us. By working closely with local organizations, we contribute positively to the welfare of Beckley and its residents. As we look toward the future, we invite you to join us at Star USA Credit Union. Experience firsthand how our dedicated team can help you navigate your financial journey while being part of a supportive community that values every member's success. Visit us during our operating hours from Monday through Friday between 9 AM and 5 PM or give us a call at 304-256-7154 for any inquiries. Together, let's make every financial dream a reality!

Our Journey

Since opening our doors nearly nine decades ago, Star USA has evolved significantly. We started as a small credit union focused on providing essential financial services. Over the years, we've expanded our offerings to include personal banking, auto loans, mortgages, and business banking solutions. As we grew, so did our total assets, which now exceed $166 million. This growth reflects not only our dedication to sound financial practices but also the trust placed in us by our members. Our journey has been marked by significant milestones. We've embraced digital advancements that make banking easier for everyone. With online banking and mobile payments available, we ensure that our members can manage their finances anytime, anywhere. We are also proud to offer ATM access and drive-thru services for those who prefer traditional banking methods.

Our Mission

At the core of Star USA's mission is a commitment to empowering individuals and families through tailored financial services while fostering a strong sense of community support. We strive to make banking simple and accessible for everyone, ensuring that financial literacy and support are available to all members. Our goal goes beyond providing loans and accounts; we aim to build lasting relationships with our members by being there for them in times of need. We understand that each member has unique goals and challenges. That's why we offer personalized solutions designed to help you achieve your dreams whether it's buying your first car or securing a mortgage for your dream home. While you can visit us at 3871 Robert C Byrd Dr, official correspondence should be sent to 3871 Robert C Byrd Dr, Beckley, WV 25801-2964 if necessary.

Branch Location & Accessibility

Easy Access and Nearby Landmarks

Situated just off the main thoroughfare, our branch is near popular landmarks like the Beckley Exhibition Coal Mine and the New River Gorge. This prime location means you can conveniently visit us while enjoying everything our vibrant city has to offer. We have ample parking available, making it easy for you to drop in. Plus, our building is equipped with ADA-compliant features, including ramps and accessible entrances, ensuring everyone can visit us comfortably.

Get in Touch

Have questions? Feel free to reach out at 304-256-7154! We look forward to welcoming you to our branch soon. While members can visit us at 3871 Robert C Byrd Dr for all their banking needs, official correspondence should be sent to the same address listed above. Come see how Star USA can help make your financial life easier!

Operating Hours and Services

Our lobby hours are from Monday to Friday, 9 AM to 5 PM, so you can plan your visit around your schedule. We understand that convenience matters; that's why we also offer drive-thru banking for quick transactions without leaving your vehicle. Need cash? Our ATM is available on-site for easy withdrawals and balance checks. At Star USA, we provide a variety of services tailored just for you whether it's opening checking or savings accounts, auto loans, mortgage refinancing, or business banking solutions. Our team is here to help guide you through every step of your financial journey.

Member Eligibility

Joining the Star Usa community is more than just opening an account; it's about becoming part of a caring network dedicated to your financial well-being. Located at 3871 Robert C Byrd Dr Beckley Wv 25801, we welcome anyone who lives, works, or worships in our area, as well as their family members. This means if you have a connection to our vibrant community, you're likely eligible to join us! By becoming a member, you gain access to a variety of services designed to help you thrive financially, from competitive loan rates to personalized banking solutions. To get started on your membership journey, simply reach out to us at (304) 256-7154 for guidance on the application process. For detailed eligibility criteria and the latest updates, feel free to check out our website at . We're here to make your transition into membership as smooth and welcoming as possible!

Business Banking & Commercial Services

Financing Your Vision

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $19 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $26 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $1,052,486, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Matter

In addition to loans, our merchant services are designed to streamline your operations. Imagine processing payments seamlessly, whether in-store or online. Our tools help you manage transactions easily, so you can focus on what matters most growing your business. Located at 3871 Robert C Byrd Dr Beckley Wv 25801, feel free to visit us or give us a call at (304) 256-7154. Let's work together to turn your business goals into reality!

Comprehensive List Of Services

Business Banking

For our business members, we provide essential services like merchant services and business loans designed to support growth and streamline operations. We understand that running a business comes with its own challenges, so we aim to provide flexible financial solutions that adapt to your needs.

Credit Cards and Rewards

Looking for a credit card that rewards you? Our credit cards with rewards offer benefits tailored for everyday purchases, helping you earn points or cash back while managing your expenses efficiently.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why at Beckley Office, we offer robust online and mobile banking platforms. With features like mobile payments, person-to-person transfers, and easy account management from anywhere, banking has never been more accessible. Our ATM services ensure that cash withdrawal is straightforward, while our basic drive-thru banking allows for quick deposits and withdrawals without leaving your vehicle.

Local Support

Whether you're visiting us in person or reaching out via phone at (304) 256-7154, our team is dedicated to providing friendly service every step of the way. Our lobby hours are designed for your convenience: Monday through Friday from 9 AM to 5 PM. In summary, whether you're a member seeking personal financial products or a business owner in need of specialized services, Star Usa is here to help. Explore all that we have to offer today by visiting us at 3871 Robert C Byrd Dr Beckley Wv 25801 or checking out our website at https://starusafcu.com/. Join us in achieving your financial goals!

Personal Banking

Our personal banking services are designed with you in mind. Start by exploring our checking and savings accounts, which offer flexible options to help you manage your everyday expenses and save for those special moments. If you're considering buying a car, our auto loans and vehicle financing options make it easy to get behind the wheel of your dream vehicle without breaking the bank. When it comes to homeownership, our mortgage loans and refinancing services can guide you through the process, whether you are purchasing your first home or looking to lower your current mortgage payments. Additionally, we offer personal loans and debt consolidation solutions that can help simplify your finances and reduce monthly payments.

Digital & Online Banking

Security You Can Trust

We prioritize your security above all else. Our digital banking services come equipped with robust security measures to ensure that your personal information stays safe while you enjoy the benefits of convenient banking. At Star Usa, we're committed to providing accessible and user-friendly online and mobile banking solutions that empower you to take control of your financial journey. Join us today and explore how our digital services can enhance your banking experience!

Stay Informed with E-Statements

Gone are the days of waiting for paper statements to arrive in the mail. At Star Usa, we offer e-statements so you can view your account information quickly and securely online. This not only helps you stay organized but also reduces paper waste it's a win-win!

The Power of Mobile Banking

For those who prefer banking on the move, our mobile application has got you covered! With mobile payments enabled, paying for groceries or dining out is as easy as tapping your phone. Plus, you can still keep track of all your transactions right from your smartphone. It's banking that fits into your life.

Your Banking Needs, Anytime, Anywhere

With our online banking platform available at https://starusafcu.com/, you can manage your finances effortlessly. Check your balance, transfer funds, and pay bills all from the comfort of your own space. Want to send money to a friend? Our person-to-person transfer feature makes it simple and fast. Plus, with electronic signature authorization, signing documents is just a click away, adding an extra layer of convenience to your banking experience.

Financial Strength

At Star Usa, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that in today's world, having a reliable financial partner is essential for your peace of mind. With a net worth of $16,430,129, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $985 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $24,903,456 in share certificates and $15,326,878 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $16,860,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. Our commitment to quality service is reflected in our substantial $15,495,299 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $1,847 in used auto loans and $111,185,328 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Though our current net income is $0, it reflects our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 35 full-time employees and 5 part-time employees who are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $647,051. Total Share and Deposit Accounts: 18,128, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Star Usa is your trusted partner. Visit us at 3871 Robert C Byrd Dr Beckley Wv 25801 or call (304) 256-7154 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $27,181,000 in used vehicle loans and $12,722,234 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates that make it easier for you to drive away with the vehicle of your choice.

Business Loans

For business owners, our outstanding commercial loans totaling $1,052,486 provide the capital needed to grow and expand. We understand that running a business comes with its own set of challenges, and we're here to support your ambitions with funding solutions that fit your specific needs. Our branch is located at 3871 Robert C Byrd Dr Beckley Wv 25801, making it easy for you to stop by and discuss your financial needs with our friendly staff. If you have any questions or want to learn more about our loan offerings, please don't hesitate to give us a call at (304) 256-7154. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Whether you're ready to take out a loan now or just exploring options for the future, Star Usa is here to assist you every step of the way!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $9,424,026, make buying or refinancing simple. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is here to guide you through every step of the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, although currently, our total amount stands at $0. These cards are designed to help you manage your finances effectively without the need for collateral.

Loan Aggregator

Ensuring Accurate Comparisons

LendMesh stands out due to its commitment to accuracy. The loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that all offers presented are fair and transparent, allowing users to make informed decisions.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in the information provided. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect the best options available. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, making it easier to compare and choose the right loan for their needs. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the effectiveness and reliability of using LendMesh. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Star Usa