Star USA Credit Union Saint Albans WV | Best Auto Loans & Business Banking

Introduction

Welcome to Star USA, your trusted financial partner located at 600 6th Ave, Saint Albans, WV 25177. Since our establishment in 1936, we have been dedicated to serving the community with exceptional banking services tailored to meet your needs. With a total membership of 15,347 and assets exceeding $166 million, we pride ourselves on being more than just a credit union; we are your neighbors, committed to supporting you every step of the way. At Star USA, we understand that financial decisions can be overwhelming. That's why we offer a range of services from personal banking options like checking and savings accounts to auto loans and mortgage refinancing designed to help you achieve your goals. Our total deposits stand at $5,484,303, and our net worth is an impressive $16,430,129, reflecting our stability and commitment to our members. Under the leadership of CEO Daniel Smithson, Jr. and Board President Tom Epps, our team of 40 employees works diligently to provide personalized service that you can trust. Whether you're looking for assistance with loans or seeking advice on savings, our knowledgeable staff is here to help. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: 600 Sixth Avenue, Saint Albans, WV 25177-2964. For any inquiries or assistance, feel free to reach out via phone at 304-727-2981 or fax us at 304-357-2291. Join us today and experience the difference of community-focused banking! Explore more about our services by visiting our website. We look forward to helping you thrive financially!

Branch History & Mission

Our Journey

From our humble beginnings at 600 6Th Ave, we have evolved significantly. Initially focused on providing essential banking services, we now offer a full suite of financial products tailored to meet the diverse needs of our community. Our branch is not just a place for transactions; it is a hub for local engagement and outreach. We are proud to be part of the Saint Albans community and aim to make a positive impact through various partnerships and initiatives. Our commitment to excellence has seen us adapt with the times. With advancements in technology, we now provide modern conveniences such as online banking, mobile payments, and electronic signatures, making it easier than ever for members to manage their finances. Additionally, our physical location features drive-thru banking for quick services and ATM access for added convenience.

Our Mission

At Star Usa, our mission is simple yet profound: to empower our members financially while fostering a strong sense of community. We believe that everyone deserves access to quality financial services that can help them achieve their dreams. Whether it's securing an auto loan or starting a new business venture, we are here to guide you every step of the way. While you can visit us at 600 6Th Ave, official correspondence should be sent to 600 Sixth Avenue, Saint Albans, WV 25177-2964 if different from our branch address. Our team is available during operating hours from Monday to Friday, 9 AM to 5 PM at 304-727-2981. As part of our ongoing commitment to accessibility, we ensure that all members can easily reach us through various channels. We are dedicated not just to your financial growth but also to creating lasting relationships within our community. Join us today at Star Usa! Experience firsthand how we can help you achieve your financial goals while being an active part of the vibrant Saint Albans community. Together, let's build a brighter future!

Branch Location & Accessibility

Connect With Us

If you have questions or want to learn more about what we offer, don't hesitate to reach out! You can give us a call at 304-727-2981. We're excited to help you achieve your financial goals! While members can visit us at 600 6Th Ave, official correspondence should be sent to 600 Sixth Avenue, Saint Albans, WV 25177-2964. We look forward to welcoming you into the Star Usa family!

Convenient Access and Nearby Landmarks

Getting to us is a breeze! We're close to several well-known spots that make our location even more accessible. If you're near the bustling downtown area or visiting local shops and restaurants, swing by to see us. We offer ample parking right outside our branch, so you won't have to worry about finding a place to park. Our facility is designed with accessibility in mind, featuring ramps and other ADA-compliant features to ensure everyone can easily access our services.

Operating Hours and Services

At Star Usa, we understand that your time is valuable. That's why we're open Monday through Friday from 9 AM to 5 PM. Whether you need help with personal banking, auto loans, or refinancing options, our dedicated team is here to assist you during these hours. We also provide convenient services like ATM access for quick cash withdrawals and basic drive-thru banking for deposits and simple transactions. This means you can manage your finances without ever leaving your car!

Member Eligibility

Becoming a member of Star Usa is like joining a close-knit family where everyone looks out for one another. If you live, work, worship, or attend school in the Saint Albans area or are a family member of an existing member, you're already eligible to join us! We pride ourselves on making banking accessible and friendly, ensuring that every member feels valued and supported. At Star Usa, you'll enjoy personalized service and competitive rates on loans and savings accounts, along with a variety of services tailored just for you. To start your journey with us, simply visit our branch located at 600 6Th Ave Saint Albans Wv 25177 or give us a call at (304) 727-2981. We're here to help guide you through the easy account opening process. For more detailed eligibility criteria and updates, feel free to check out our website at . Join us today and experience the benefits of being part of our community!

Business Banking & Commercial Services

Financing Your Growth

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 Made Simple

Imagine having the tools to accept payments effortlessly while keeping your cash flow healthy. Our merchant services provide exactly that. From point-of-sale systems to online payment solutions, we enable you to focus on what matters most growing your business. With reliable support and easy-to-use technology, managing transactions has never been simpler. Discover how Star Usa can be your partner in success. Visit us at 600 6Th Ave Saint Albans Wv 25177 or call us at (304) 727-2981 to learn more about our business banking options today!

Comprehensive List Of Services

ATM Access and Drive-Thru Services

Need cash quickly? Our ATM & Cash Withdrawal Services are available 24/7 for added convenience. Plus, if you're on the go and prefer face-to-face interactions without leaving your vehicle, our Basic Drive-Thru Banking offers deposits, withdrawals, and simple transactions right from your car. We invite you to visit us at 600 6Th Ave Saint Albans Wv 25177, give us a call at (304) 727-2981, or explore more about our offerings at St. Albans. Let us help you achieve your financial goals with personalized service and comprehensive solutions!

Business Banking Services

For our business members, we offer comprehensive Business Banking solutions, including Merchant Services & Business Loans. We know how vital it is to have reliable financial support for your business ventures, so we are here to help you thrive.

Convenient Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking services, allowing you to manage your accounts from anywhere at any time. Whether it's transferring funds, checking balances, or paying bills, everything is just a click away.

Credit Cards That Reward You

Don't forget about our Credit Cards with Rewards! Use them for everyday purchases and earn points that can be redeemed for various rewards. It's a smart way to make the most out of your spending.

Home Financing

Your home is one of your most significant investments. With our Mortgage Loans & Refinancing, we guide you through the process of buying or refinancing your home. We aim to make homeownership a reality by offering personalized support and competitive rates.

Personal Banking Solutions

We understand that managing your day-to-day finances is essential. That's why we offer a variety of Personal Banking options, including Checking & Savings Accounts designed for every lifestyle. Need to save for a special occasion or build an emergency fund? Our savings accounts can help you reach your goals with ease.

Personal Loans for Every Need

Life can be unpredictable, and sometimes you might need a little extra cash. Our Personal Loans & Debt Consolidation services allow you to borrow what you need when you need it, helping you manage expenses or consolidate debt into one easy payment.

Vehicle Financing Options

When it comes to getting on the road, our Auto Loans & Vehicle Financing make it straightforward. Whether you're purchasing a new car or refinancing your existing loan, we provide competitive rates and flexible terms that fit your budget. Imagine driving off the lot with the vehicle of your dreams without breaking the bank!

Digital & Online Banking

Mobile Banking on Your Terms

For those who prefer banking on the move, our mobile application is available to help you manage your accounts from the palm of your hand. With features like mobile payments, you can make purchases effortlessly using your smartphone. Plus, our person-to-person transfer option allows you to send money to friends and family quickly and easily.

Online Banking Made Simple

With our online banking platform, you can access your accounts anytime, anywhere. Check your balance, pay bills, and transfer funds with just a few clicks. Our 24/7 online banking services ensure that you're always in control of your finances, day or night.

Real-Time Management

Real-time account management keeps you updated on all transactions. Whether you're checking for recent deposits or monitoring spending habits, our tools give you instant access to what matters most. At Star Usa, we are committed to making banking easy and accessible for all our members. Explore our digital offerings today and experience the freedom of managing your finances whenever and wherever you choose!

Security You Can Trust

Your security is our top priority. We provide electronic signature authorization to make signing documents straightforward while keeping your information safe. You can also opt for e-statements to reduce paper clutter and keep your financial details secure.

Financial Strength

Commitment to Growth

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 your financial goals with $1,847 in used auto loans and $111,185,328 in total loans and leases.

Growing Member Base

Total Share and Deposit Accounts: 18,128, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $647,051 further highlight our commitment to serving your financial needs effectively. 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 600 6Th Ave Saint Albans Wv 25177 or call (304) 727-2981 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is reflected in our $0, enabling 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.

Secure Savings Options

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.

Strong 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. 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.

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 looking for a brand-new model or a reliable used vehicle, we have flexible financing options that can make your purchase easier.

Business Financing

For business owners, our outstanding commercial loans totaling $1,052,486 provide the capital needed to grow and expand. We know that running a business can be challenging; our team is ready to assist you in finding financing solutions that support your business goals. At Star Usa, our goal is to empower our members through accessible financial products. Our dedicated staff is here to answer any questions you may have about eligibility requirements and refinancing options. You can reach us at (304) 727-2981 during our operating hours, Monday through Friday from 9 AM to 5 PM. For more information on all our loan offerings or to start your application today, visit us at 600 6Th Ave Saint Albans Wv 25177, Saint Albans, WV 25177 or check out our website at https://starusafcu.com/ . Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

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 offer competitive interest rates and terms to fit your budget. If you're considering refinancing your current mortgage, our team can guide you through the process to find the best option for your situation.

Personal and Credit Card Loans

We also provide unsecured credit card loans, although currently there are $0 available. These loans help members manage their finances effectively without the burden of collateral. For those seeking personal loans for debt consolidation or other needs, we can work with you to find an appropriate solution tailored to your circumstances.

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STAR USA FEDERAL CREDIT UNION