Stephens County Community Credit Union Toccoa GA | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Stephens County Community, your trusted partner in financial services since 1972. Located at 69 W Whitman St, Toccoa, GA 30577, we are dedicated to empowering our members with personalized banking solutions that cater to their unique needs. With a strong foundation of 115 members and total assets amounting to $153,021, we take pride in fostering a community-centered approach that puts you first. At Stephens County Community, we understand that financial decisions can be overwhelming. That's why our friendly team is here to guide you through every step of the process. Whether you're looking for checking and savings accounts, auto loans, or personal loans for debt consolidation, our comprehensive range of services is designed with you in mind. We have facilitated 3 loans and leases and hold total deposits of $122,928, reflecting our commitment to helping you achieve your financial goals. Led by our CEO, Willie Woodruff Jr., and Board President, Markques Keils, we are proud to offer a supportive environment where all your banking needs can be met. While members can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 6, Toccoa, GA 30577. With no cash in hand but a strong net worth of $19,926, we are focused on ensuring the safety and growth of your deposits while maintaining a member-centric ethos. Our operating hours on Thursdays from 4:30 PM to 6:00 PM make it easy for you to stop by and discuss how we can support your financial journey. If you're ready to explore how Stephens County Community can make a difference in your life, feel free to reach out at 706-886-3532 or visit us today! Your financial future starts here!

Branch History & Mission

Welcome to Stephens County Community, a credit union with a rich legacy that dates back to its founding in 1972. Located at 69 W Whitman St, Toccoa, GA 30577, our branch has grown alongside the community it serves, evolving from a small financial institution into a trusted partner for over 115 members today. We take pride in our journey and the milestones we've achieved in making financial services accessible and supportive for everyone in the area. Our mission is clear: we are dedicated to empowering our members through personalized financial solutions while fostering a sense of community. We believe that banking should not just be about transactions but about building relationships. Our commitment extends beyond providing checking and savings accounts; we also offer auto loans, mortgage loans, personal loans, and business banking services tailored to meet the unique needs of our members. While members can visit us at our main office on Whitman Street, official correspondence should be sent to PO Box 6, Toccoa, GA 30577. Our branch operates with convenient hours on Thursdays from 4:30 PM to 6:00 PM. Though we currently do not have ATM or drive-thru services available, we are always here to assist you with your banking needs during our operating hours. Stephens County Community has always believed in giving back. Through various partnerships and outreach efforts, we strive to make a positive impact on our local community. Whether it's supporting local events or participating in initiatives that promote financial literacy, we are dedicated to enhancing the lives of those around us. We have also made strides in ensuring that our services are accessible to all members. Our commitment to ADA compliance means everyone can enjoy a welcoming environment when they visit us. As we look forward to the future, we invite you to become part of the Stephens County Community family. Experience firsthand how we can help you achieve your financial goals while being an integral part of a supportive community. Join us today and see how together we can build brighter futures!

Branch Location & Accessibility

Nearby Landmarks and Accessibility Features

Our branch is situated near popular local spots, making it a familiar and convenient destination. With ample parking available, accessing our services is straightforward. We strive to be inclusive, so you will find ADA-compliant features such as ramps to make your visit easier.

Operating Hours and Services

We're here for you during our lobby hours on Thursdays from 4:30 PM to 6:00 PM. While we may not have drive-thru banking or ATMs at this location, we provide a wide range of personal banking services including checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. If you're looking for business solutions, we also offer merchant services and business loans. Feel free to reach out at 706-886-3532 if you have any questions or need assistance before your visit. We invite you to come by the Stephens County Community branch and see how we can help you achieve your financial goals!

Member Eligibility

Joining the Stephens County Community feels like becoming part of a warm, supportive family that genuinely cares about its members. To become a member at our Toccoa branch located at 69 W Whitman St, all you need is to meet a few simple eligibility criteria. If you live, work, worship, or attend school in Stephens County, you're already on the right track! Plus, if your family members are part of our community, they can also join. We believe in making banking accessible and personal, so you'll find that our membership offers numerous benefits tailored just for you. For more details on eligibility, feel free to check out [this link](). Getting started is easy! Opening an account with us is straightforward, and we're here to guide you through each step of the process. Whether you're looking to open a checking or savings account, our friendly team is ready to assist you. You can reach us at (706) 886-3532 if you have any questions or want to get started today!

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 $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 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 Made Simple

Managing payments shouldn't be a hassle. Our merchant services simplify transactions, allowing you to focus on what you do best running your business. Imagine processing payments quickly while keeping track of sales effortlessly. That's the power of partnering with us at Stephens County Community. Located at 69 W Whitman St Toccoa Ga 30577 in Toccoa, GA, we invite local entrepreneurs to connect with us and explore how our services can help your business thrive. Reach out at (706) 886-3532 for more information!

Comprehensive List Of Services

Additional Services

While we don't have ATM facilities or drive-thru service at this branch, our focus remains on providing exceptional member service during our lobby hours every Thursday from 4:30 PM to 6:00 PM. You can reach us at 706-886-3532 for any inquiries or assistance. At Stephens County Community, we are dedicated to helping you navigate your financial landscape with confidence and ease. We invite you to explore all these offerings and find out how we can assist in achieving your financial dreams. Your journey starts here contact us today!

Business Banking Services

For our business-minded members, we provide essential services such as merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're here to support your business goals.

Credit Cards with Benefits

We understand how important rewards are when it comes to spending. That's why we offer credit cards with rewards that allow you to earn points on every purchase, making your everyday spending work for you.

Digital Convenience

In today's fast-paced world, having access to your finances anytime is crucial. That's why we offer online and mobile banking so you can manage your accounts from anywhere whether you're at home or on the go. You can check balances, transfer funds, and pay bills with just a few taps on your phone.

Loans for Every Need

Need a new vehicle? Our auto loans and vehicle financing options can help get you on the road without breaking the bank. If you're considering buying a home, we also provide mortgage loans and refinancing solutions that can fit your budget. For those unexpected expenses or consolidating debt, our personal loans can give you the relief you need.

Personal Banking Solutions

Whether you're just starting out or looking to manage your savings better, our personal banking services are designed with you in mind. We offer checking and savings accounts that can help you keep track of your money while earning interest. Imagine being able to easily save for a vacation or a new car; our accounts make it simple and rewarding.

Digital & Online Banking

Accessibility and Ease-of-Use

Managing your finances should be simple. While we don't offer mobile applications or mobile payment options right now, our friendly staff is always ready to assist you during our operating hours on Thursdays from 4:30 PM to 6:00 PM. With us, you can expect a welcoming environment where help is just a phone call away at (706) 886-3532.

Future Opportunities

We're always looking for ways to improve our services. Currently, person-to-person transfers aren't available, but we're open to feedback from our members about what features they would like to see in the future. As technology evolves, so do we ensuring that when we roll out new options, they will be user-friendly and beneficial. At Stephens County Community, we're dedicated to providing accessible banking solutions that fit your lifestyle. We value your membership and are here to support your financial journey every step of the way!

Key Features

While our online banking features may be limited, we prioritize the safety of our members. For those who prefer traditional methods, we ensure that all transactions are secure and straightforward. Unfortunately, electronic signature authorization is not available at this time, but rest assured that our commitment to privacy remains strong.

Financial Strength

Committed Team

We also take pride in having a dedicated team ready to serve you. While we currently have no full-time or part-time employees listed at this branch location, rest assured that we are committed to providing knowledgeable service when you need it most.

Growing Membership Base

Our total share accounts stand at 115, showcasing a strong and growing member base that trusts us with their finances. This growth is a testament to the confidence our community has in Stephens County Community. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Stephens County Community is your trusted partner. Visit us at 69 W Whitman St Toccoa Ga 30577 or call 706-886-3532 to learn more about how we can help you achieve your financial goals.

Member-Centric Approach

Members' savings are secured through responsible management of our resources. While we currently do not have any share certificates or money market shares available, we prioritize our members' needs over non-member deposits. This approach allows us to focus entirely on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our net income of $1,843 reflects our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products for our members. We believe that effective management leads to greater benefits for you.

Reinvestment in Our Community

With $14,041 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity includes $19,633 in total loans and leases, supporting your financial goals across various sectors.

Strong Financial Health

With a net worth of $19,926, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1302 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. Although we currently have no loans for new or used vehicles, we encourage you to check back as our offerings may expand. When available, our auto loans can help members get on the road with ease.

Business Financing

If you're a business owner seeking capital for growth, while we currently do not have commercial loans available, keep us in mind for future funding opportunities that may arise. For any inquiries about our loan offerings or eligibility options, please don't hesitate to reach out at 706-886-3532. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Stephens County Community, we're committed to supporting you through every financial decision. Whether it's helping you find your next vehicle or preparing for homeownership, we're here for you every step of the way!

Mortgage Options

Thinking about homeownership? While we don't currently offer mortgage loans, our team is here to guide you through future options and refinancing possibilities that may become available. We believe in making the journey to owning a home as straightforward as possible.

Personal Financing

For those looking for flexibility, we also provide unsecured credit card loans to help manage finances effectively. At this time, we do not have any outstanding unsecured credit card loans, but we're always looking for ways to better serve our members' needs.

Loan Aggregator

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STEPHENS COUNTY COMMUNITY FEDERAL CREDIT UNION