Star USA Credit Union Summersville WV | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Star Usa, your trusted financial partner in the heart of Summersville, WV. Established in 1936, we have proudly served our community for over 85 years. Our branch, located at 5201 Webster Rd, Summersville, WV 26651, is dedicated to providing exceptional banking services tailored to meet your needs. At Star Usa, we believe in building lasting relationships with our members. With a membership base of 15,347 and total assets reaching an impressive $166,881,213, we are committed to ensuring that your financial journey is smooth and rewarding. Our focus extends beyond numbers; it's about making a positive impact in our community and supporting you every step of the way. Led by our CEO, Daniel Smithson, Jr., and Board President Tom Epps, our team of 40 employees is here to provide personalized service and guidance. Whether you're looking for checking and savings accounts, auto loans, or business banking solutions, we have options designed just for you. While you can visit us directly at our branch location, please note that any official correspondence should be sent to our mailing address: 5201 Webster Road, Summersville, WV 26651-1987. We invite you to explore our services further at starusafcu.com. If you have any questions or need assistance, feel free to call us at 304-883-0000 during our lobby hours from Monday to Friday, 10 AM - 5 PM. Join us today and experience the difference with Star Usa!

Branch History & Mission

Community Commitment

Star USA is proud to support local events and charities because we believe in giving back. Whether it's sponsoring youth sports teams or contributing to educational programs, we strive to make a positive impact in Summersville and beyond. Our partnerships with local organizations enhance our ability to serve and connect with those around us. As we continue to embrace digital advancements like mobile banking and online services, we ensure that all members can access their accounts easily and securely. Our commitment extends beyond just technology; we prioritize accessibility for everyone. We invite you to join us at Star USA where your financial goals matter. Become part of a community-focused credit union that puts you first. Together, let's build a brighter future! If you have any questions or want to learn more about what we offer, don't hesitate to reach out at 304-883-0000 or visit us online at Star USA.

Our Mission

The mission of Star USA is simple yet profound: we aim to improve the financial well-being of our members while fostering a strong sense of community. We believe that when our members thrive, so does the entire community. That's why we not only focus on providing exceptional financial services but also engage in outreach programs that uplift local initiatives. While members can visit us at 5201 Webster Rd, official correspondence should be sent to 5201 Webster Road, Summersville, WV 26651-1987. Our dedicated team operates Monday through Friday from 10 AM to 5 PM, ensuring you receive personalized attention every time you walk through our doors.

Branch Location & Accessibility

Convenient Access and Parking

At Star Usa, we prioritize your convenience. Our location offers ample parking space, making it simple for you to visit us. We are committed to ensuring that everyone can access our services easily; our branch is fully ADA compliant with features like ramps for those who need them.

Operating Hours Tailored for You

We understand that your time is valuable. That's why we're open Monday through Friday from 10 AM to 5 PM, ready to assist you with personal banking services such as checking and savings accounts, auto loans, mortgage loans, and more.

Personalized Services Just a Call Away

If you have any questions or need assistance before your visit, feel free to give us a call at 304-883-0000. Our friendly staff is always here to help guide you through our offerings. While members can visit us at 5201 Webster Rd, official correspondence should be sent to our mailing address: 5201 Webster Road, Summersville, WV 26651-1987. Join us at Star Usa today and experience banking that puts you first!

Member Eligibility

At Star Usa, we believe that everyone deserves a chance to be part of a caring and supportive community. Joining us is simple! If you live, work, worship, or attend school in the area around 5201 Webster Rd Summersville Wv 26651, you are likely eligible to become a member. We welcome individuals and families alike, fostering a sense of belonging and shared values among our members. You'll enjoy great benefits such as competitive rates on loans and savings products, personalized service, and access to a variety of financial resources tailored just for you. Ready to take the next step? Opening an account at Star Usa is an easy process. Just give us a call at (304) 883-0000 for more details or visit our website at https://starusafcu.com/ for updated eligibility criteria. We're excited to help you start your journey with us!

Business Banking & Commercial Services

Loan Options Tailored for 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 That Simplify Transactions

Imagine running your retail shop smoothly, knowing that your payment processing is secure and efficient. Our merchant services provide you with the tools to accept payments easily whether in-store or online. This means more time for you to focus on what really matters: serving your customers and growing your business. Located at 5201 Webster Rd Summersville Wv 26651 in Summersville, WV, we invite you to explore how our tailored solutions can make a real difference for your business. Reach out today at (304) 883-0000 or visit us online at https://starusafcu.com/ . Let's take your business further together!

Comprehensive List Of Services

Access Anytime, Anywhere

With modern banking solutions like online and mobile banking, managing your finances has never been easier. You can enjoy features such as person-to-person payments that let you send money quickly to friends or family without hassle. Whether you're visiting us at Star Usa or using our digital services, we're committed to making banking simple and accessible for everyone. If you have any questions or want to learn more about how we can assist you further, please don't hesitate to reach out at (304) 883-0000. Come visit us today at 5201 Webster Rd Summersville Wv 26651 in Summersville, WV**, and discover how we can support your financial journey!

Financing Your Dreams

Are you thinking about buying a new car or refinancing your mortgage? At Star Usa, we provide competitive auto loans and vehicle financing options that fit your budget. Our mortgage loans and refinancing services can help make homeownership more attainable or reduce your monthly payments. If you need extra funds for personal projects or debt consolidation, our personal loans are structured to suit different financial situations.

Personal Banking Made Easy

When it comes to personal banking, we offer a variety of options tailored to meet your needs. Whether you're looking to open a checking or savings account, our accounts come with features designed for convenience and flexibility. Imagine having easy access to your money through our online and mobile banking platforms. You can check balances, transfer funds, and pay bills all from the comfort of your home or on the go.

Rewarding Credit Options

For those who love to earn rewards while spending, our credit cards come with enticing benefits that can enhance your purchasing power. Imagine earning points on every purchase that you can redeem for travel, cash back, or other exciting perks!

Supporting Local Businesses

We also recognize the importance of supporting local businesses. Our business banking services include merchant services and business loans designed to help entrepreneurs thrive in their ventures. We understand the challenges small businesses face and aim to provide the financial backing they need to grow.

Digital & Online Banking

Key Services

Our online banking platform is available 24/7 at https://starusafcu.com/ . You can check your balances, transfer funds, and pay bills all from the comfort of your own device. Need to send money to a friend? With our person-to-person transfer feature, sending cash is quick and simple. Plus, if you prefer using your smartphone for transactions, our mobile application allows you to manage your accounts directly from your phone. For those who like to keep their financial records organized, we provide e-statements that allow you to view and download your statements anytime. And if you're looking for a more secure way to sign documents, we also offer electronic signature authorization, making it easier to complete transactions without the hassle of printing or mailing paperwork.

Security and User-Friendliness

Your security is our priority. Our digital banking services come equipped with robust security features that protect your personal information while you bank online. We strive to create an environment where you can manage your finances confidently and comfortably. With easy navigation and real-time account management, our digital services cater to everyone whether you're tech-savvy or just getting started with online banking. We aim to empower you with the tools you need for smart financial decisions right at your fingertips. Explore all the ways Star Usa can enhance your banking experience today!

Financial Strength

Community Trust

Total Share and Deposit Accounts: 18,128, show 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 5201 Webster Rd Summersville Wv 26651 or call (304) 883-0000 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

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 commitment extends to lending as well; 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.

Member-Centric Approach

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.

Operational Efficiency

Our operational efficiency is reflected by 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.

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 interested in financing a brand-new vehicle or a reliable used option, our auto loans can make it happen.

Business Loans

For business owners looking for growth opportunities, our outstanding commercial loans totaling $1,052,486 provide the capital needed to expand operations or invest in new ventures. We are committed to supporting local businesses in achieving their objectives. At Star Usa in Summersville, WV (5201 Webster Rd), our dedicated team is here to guide you through every step of your loan journey. If you're considering refinancing or exploring eligibility options for any of our products, don't hesitate to reach out at 304-883-0000. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us assist you in finding the right loan product tailored just for you!

Credit Lines

For those who need more flexibility with their finances, we offer credit lines with a total of $27,839,131 available. This option can help you manage unexpected expenses or fund projects without the hassle of applying for a new loan each time.

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 provide personalized guidance throughout the process to ensure you find a mortgage that fits your budget.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans; however, we currently have no unsecured credit card loans issued. Keep an eye out as we continually assess our offerings to better serve our members' needs.

Loan Aggregator

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STAR USA FEDERAL CREDIT UNION - Summersville, WV