Star USA Credit Union Charleston WV | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Star USA, your trusted financial partner located at 1 Cantley Dr, Charleston, WV 25314. Since our establishment in 1936, we have been committed to serving our community with integrity and dedication. With a total membership of over 15,347 individuals, we pride ourselves on being more than just a credit union; we are a family that supports one another through every financial journey. At Star USA, we understand the importance of financial stability and growth. Our assets total an impressive $166,881,213, enabling us to provide competitive rates on loans and deposits. Whether you're looking for auto financing where we've issued 5,120 loans or seeking assistance with personal banking needs, our team is here to help. We manage $5,484,303 in deposits and maintain a robust net worth of $16,430,129, ensuring our members feel secure. Our leadership team is dedicated to fostering a supportive environment. Under the guidance of CEO Daniel Smithson, Jr. and Board President Tom Epps, we strive to make banking accessible and beneficial for everyone in our community. With a staff of 40 employees, we're ready to assist you Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 1 PM. While members can visit us at our branch location for all their banking needs, official correspondence should be directed to our mailing address: 1 Cantley Dr, Charleston, WV 25314-1089. Ready to take control of your finances? Call us at 304-357-2319 or visit our website at starusafcu.com today! Let's work together towards achieving your financial goals!

Branch History & Mission

Community Commitment

We take pride in being more than just a credit union; we are an active part of the Charleston community. Through various outreach programs and partnerships with local organizations, we aim to give back and support those around us. Whether it's participating in local events or providing financial education workshops, we are dedicated to making a difference. While members can visit us at 1 Cantley Dr, official correspondence should be sent to 1 Cantley Dr, Charleston, WV 25314-1089. Our friendly team is here for you during our operating hours: Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 1 PM. For your convenience, we also offer ATM access and drive-thru banking services. As we look toward the future, we invite you to join us on this journey. Experience the benefits of membership at Star Usa where you will find personalized service and a community-focused approach to banking. Together, let's build a brighter financial future! For more information or assistance, please call us at 304-357-2319 or visit our website at Star Usa.

Our Mission

At Star Usa, our mission is clear: we strive to make a positive impact in the lives of our members by offering exceptional financial products and services tailored to their unique circumstances. We believe in building strong relationships that extend beyond transactions; our goal is to empower individuals and families to achieve their dreams through sound financial practices. We understand the importance of accessibility in today's fast-paced world. That's why we've embraced advancements in technology to enhance our services. With options like online banking and mobile payments available, you can manage your finances from anywhere at any time. Our facilities are ADA compliant, ensuring that everyone can access our services comfortably.

Branch Location & Accessibility

Accessibility Features and Parking

At Star Usa, we prioritize accessibility for all members. Our branch complies with ADA standards and features ramps and designated parking spots to ensure everyone can easily visit us. We have ample parking available right outside our entrance so you can hop in and out without hassle.

Convenient Banking Hours

We understand that life can get busy! That's why we offer flexible hours to accommodate your schedule. Our lobby is open Monday through Friday from 9 AM to 5 PM, and on Saturdays from 9 AM to 1 PM. Whether you're stopping by during your lunch break or after work, we're here for you.

Finding Us

Our location is not just accessible but also welcoming. If you need to send any official correspondence, please note that our mailing address is the same as our physical address: 1 Cantley Dr, Charleston, WV 25314-1089.

Get in Touch

Have questions or want to learn more about what we offer? Don't hesitate to reach out! You can call us at 304-357-2319 or simply drop by during our operating hours. We're excited to assist you with all your banking needs at Star Usa!

Services Offered

At Star Usa, we provide a variety of banking 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 quick cash? Our ATM is available for convenient withdrawals and balance checks anytime. Plus, with our drive-thru service, simple transactions like deposits and withdrawals can be completed without leaving your vehicle.

Member Eligibility

Joining the Star Usa community is like stepping into a family that truly cares about your financial journey. We welcome individuals who live, work, worship, or attend school in our local area to become members. This means if you're connected to Charleston or the surrounding communities, you're likely eligible! Not only will you gain access to a wide range of services tailored just for you, but you'll also enjoy the benefits of personalized support and competitive rates. If you're curious about the specifics of our eligibility criteria, feel free to visit our website at for all the details. Ready to get started? Opening an account is simple and straightforward! Just give us a call at (304) 357-2319, and we'll guide you through the process with ease. We can't wait to welcome you to Star Usa, located at 1 Cantley Dr Charleston Wv 25314!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine a local café using our merchant services to streamline payments. They can accept credit cards easily, manage their cash flow better, and focus on serving delicious coffee rather than dealing with payment hassles. Our merchant services provide practical solutions that simplify transactions and enhance customer satisfaction. Located at 1 Cantley Dr Charleston Wv 25314 in Charleston, WV, we invite you to explore how Star Usa can support your business ambitions. For inquiries or assistance, call us at (304) 357-2319. Let's grow together!

Tailored Loan Options

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.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? With our ATM & Cash Withdrawal Services, accessing your money has never been easier. You can conveniently withdraw cash or check balances without stepping into a branch.

Auto Loans & Vehicle Financing

For those considering a new vehicle, our Auto Loans & Vehicle Financing make the process straightforward. Imagine driving away in your dream car without the stress of complicated paperwork; we streamline everything so you can focus on enjoying the ride.

Business Banking

For small business owners, our Business Banking services include Merchant Services and Business Loans tailored specifically to meet the unique challenges faced by local entrepreneurs. We know that running a business requires dedication and resources; let us partner with you to fuel your success.

Credit Cards with Rewards

Our Credit Cards with Rewards are perfect for those who want to earn while they spend. With every purchase, you can accumulate points towards exciting rewards, making your everyday expenses even more beneficial.

Drive-Thru Banking

We also offer basic Drive-Thru Banking, allowing members to handle simple transactions like deposits and withdrawals quickly and efficiently without leaving their cars. At Star Usa, we pride ourselves on being more than just a financial institution; we're your partners in achieving financial well-being. For any questions about our services or how we can assist you further, don't hesitate to call us at (304) 357-2319. Visit us today at 1 Cantley Dr Charleston Wv 25314 in Charleston, WV, and discover how we can help you thrive financially!

Mortgage Loans & Refinancing

If you're thinking about purchasing a home or refinancing an existing mortgage, our Mortgage Loans & Refinancing options provide competitive rates and personalized service. We understand that buying a home is one of life's biggest decisions, which is why we're here to guide you through every step.

Online & Mobile Banking

In today's fast-paced world, convenience is key. Our Online & Mobile Banking features allow you to manage your accounts anytime, anywhere. From checking balances to transferring funds or paying bills, everything is just a tap away.

Personal Banking

Starting with Personal Banking, we offer various options like Checking and Savings Accounts that fit different lifestyles. For instance, if you're looking to save for a vacation or a new gadget, our savings accounts are designed to help you reach your goals faster.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's where our Personal Loans & Debt Consolidation services come into play. Whether it's consolidating debt for easier management or covering unforeseen costs, we're committed to finding solutions that work for you.

Digital & Online Banking

Key Features

One of the standout features of our digital banking is 24/7 Online Banking Services. This means you can check your balance, transfer funds, and pay bills at your convenience, day or night. Plus, with E-Statements Availability, going paperless is simple and secure view your statements electronically whenever you need them. For those on the go, our Mobile Application offers a seamless experience right from your smartphone. You can even make Mobile Payments easily, allowing you to pay friends or family directly from your account using our Person-to-Person Transfers feature. It's quick, efficient, and ideal for splitting bills or sending gifts.

Security and Ease-of-Use

Security is a top priority at Star Usa. We employ advanced measures to keep your personal information safe while ensuring that accessing your account is straightforward. With Electronic Signature Authorization, signing documents is as easy as clicking a button no more printing or scanning needed. All these features are designed with you in mind, making it easy to manage your finances in real-time without any hassle. Whether you're at home or out and about, Star Usa provides the tools you need to stay connected to your money securely. Explore all that our digital banking services have to offer by visiting us at https://starusafcu.com/ today!

Financial Strength

Growing Membership Base

We are proud to support a thriving community of members with a total of 18,128 accounts. This showcases the trust that thousands place in us for their financial needs. 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 1 Cantley Dr Charleston Wv 25314 or call (304) 357-2319 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-Focused Savings

Our commitment to your financial growth is evident through our members' savings. We have $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.

Operational Efficiency

Our operational efficiency is reflected in our $0, which 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting in Our Community

With $15,495,299 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 $1,847 in used auto loans and $111,185,328 in total loans and leases.

Solid Financial Health

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. This robust net worth is complemented by our impressive net worth ratio of $985, demonstrating a solid capital foundation. This ensures 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 $27,181,000 in used vehicle loans and $12,722,234 in new vehicle loans already helping members get on the road. Whether you're considering a brand-new model or a reliable pre-owned vehicle, we have financing options that fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $1,052,486 provide the capital needed to grow and expand. We understand the unique challenges faced by small businesses and are committed to providing solutions that work for you. At Star Usa, we also believe in making borrowing easy and accessible. If you're interested in refinancing your current loans or exploring eligibility options, our team is here to guide you through the process. 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 looking for an auto loan, mortgage financing, or credit options, we invite you to reach out at (304) 357-2319 or visit us during our lobby hours for personalized assistance. Let us help you take the next step toward your financial future!

Credit Lines and Unsecured Loans

For those looking for flexibility, we offer credit lines that total $27,839,131. This can be an excellent way to manage unexpected expenses or fund personal projects. Additionally, our unsecured credit card loans provide peace of mind, allowing you to spend within your means while benefiting from our supportive terms.

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. We understand that purchasing a home is one of the biggest decisions you'll make, and we're here to support you every step of the way.

Loan Aggregator

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Ensuring Accurate Comparisons

LendMesh ensures accurate loan comparisons by sourcing data 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 commitment to integrity means that users can trust the loan offers presented on the site are fair and transparent.

STAR USA FEDERAL CREDIT UNION