Summit Credit Union Hickory NC | Best Auto Loans & Business Banking

Introduction

Welcome to Summit Credit Union, where your financial well-being is our top priority! Located at 102 1st Ave NE, Hickory, NC 28601, we have been proudly serving our community since 1935. With a growing membership of over 32,118 members and total assets exceeding $344,630,684, we are committed to providing you with the best financial solutions tailored to your needs. At Summit Credit Union, we understand that every member's journey is unique. That's why we offer a wide range of services including checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking options. With our dedicated team of 110 employees, led by our CEO Samuel Whitehurst and Board President Jack Thornton, we strive to create a welcoming environment where your financial goals can thrive. If you need assistance or want to learn more about how we can help you achieve your financial dreams, feel free to reach out at 828-267-5768 or visit our website at summitcu.org. We also have a mailing address for official correspondence: 8210 W Market St, Greensboro, NC 27409. Join us today and experience the difference that a member-focused credit union can make in your life! Whether you're looking for loans totaling over 20,738 or simply want to manage your deposits of around $14,975,711, we're here for you every step of the way. Your journey towards better financial health starts here!

Branch History & Mission

Join Us

As we look towards the future, we invite you to be part of our journey. Experience the benefits of becoming a member of Summit Credit Union today! Together, we can build a stronger financial future for you and your family. For more information or to get started on your membership journey, call us at 828-267-5768 or visit our website at Summit Credit Union.

Our Mission

At Summit Credit Union, our mission is simple yet powerful: to provide exceptional financial services while fostering community support. We believe in empowering our members through education and resources that help them achieve their financial goals. Whether it's offering personalized loan options or hosting financial workshops, we are here to guide you every step of the way. We also take pride in giving back to the communities we serve. Through partnerships with local organizations and outreach programs, we aim to make a positive impact beyond just banking. While members can visit us at 102 1st Ave NE, official correspondence should be sent to 8210 W Market St, Greensboro, NC 27409.

Our Story

From our humble beginnings, Summit Credit Union has always aimed to uplift the local community. Our branch is located at 102 1st Ave NE, Hickory, NC 28601, a vibrant area that reflects the spirit of our city. Over the years, we have expanded our services to include personal banking options like checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. We also cater to business clients with merchant services and business loans. As we grew, so did our dedication to providing accessible banking solutions. We understand that convenience matters; that's why we offer ATM services and drive-thru banking for quick transactions. For those who prefer digital solutions, members can enjoy online and mobile banking options that make managing finances easier than ever before.

Branch Location & Accessibility

Convenient Access

At Summit Credit Union, we prioritize accessibility. Our branch features ADA-compliant facilities including ramps for easy entry. We also have ample parking available, so you won't have to worry about finding a spot when you arrive. Plus, with our ATM on-site and drive-thru banking options available for quick transactions, managing your finances has never been easier.

Operating Hours

We understand that life can be busy, so we've designed our hours to accommodate everyone. Our lobby is open Monday through Thursday from 8:30 AM to 5:00 PM and extends its hours on Friday until 6:00 PM. For those who prefer the drive-thru service, we're here for you from 7:30 AM every weekday until closing time.

Services Tailored for You

Summit Credit Union offers a variety of services aimed at meeting your personal and business banking needs. From checking and savings accounts to auto loans and mortgage refinancing, we are committed to providing solutions that make sense for you. And if you're a member of another credit union? No problem! We participate in shared services, allowing you to conduct basic transactions right here at our branch.

Visit Us Today!

We invite you to come in and see how Summit Credit Union can support your financial journey. Have questions or need assistance? Feel free to call us at 828-267-5768. We're excited to welcome you into our community!

Member Eligibility

Becoming a member of Summit is like stepping into a welcoming family where your financial well-being is our priority. To join us at our Hickory branch, located at 102 1St Ave Ne Hickory Nc 28601, you simply need to meet some friendly eligibility criteria. Generally, anyone who lives, works, or worships in our community can apply. We believe that everyone deserves access to great financial services and support, so we strive to keep the process inclusive and straightforward. If you're ready to take the next step, opening an account with us is easy! You can find more details about the eligibility requirements by visiting this link. If you have any questions or need assistance, don't hesitate to give us a call at (828) 267-5768. We're excited to welcome you into our community!

Business Banking & Commercial Services

Merchant Services for Seamless Transactions

In addition to loans, we provide merchant services that make accepting payments easy for you. Whether you're running a café or managing a retail store, our payment processing solutions ensure you can serve your customers efficiently. With fast transaction speeds and reliable support, you can focus on what matters most growing your business. Located at 102 1St Ave Ne Hickory Nc 28601, Hickory, NC, we're here for you every step of the way. Reach out at (828) 267-5768 to learn more about how our business banking and commercial services can help your enterprise flourish!

Unlocking Growth with Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $40 in non-member commercial loans, providing flexible financing solutions. Imagine being able to upgrade your equipment or open a new location. Our loans can provide the necessary capital to turn those dreams into reality. Each loan we offer is aimed at helping you reach your goals and maximize your potential.

Comprehensive List Of Services

Business Banking Solutions

For business owners, we offer specialized business banking services, including merchant services and business loans, making it easier for you to manage cash flow and expand your operations. We know that running a business comes with its own set of challenges, so we're here to support you every step of the way.

Digital Banking Convenience

In today's fast-paced world, having access to your finances anytime is crucial. That's why at Summit Credit Union, we provide robust online and mobile banking features. You can easily check your account balances, transfer funds, and pay bills from the comfort of your home or on the go. With our mobile app, managing your finances has never been easier. Additionally, our ATM services ensure you have access to cash whenever you need it. Our basic drive-thru banking allows for quick deposits, withdrawals, and simple transactions without leaving your car. And if you're a member of a partner credit union, take advantage of our shared branch transactions for additional convenience.

Personal Banking Options

We understand that managing your finances can be a challenge, which is why we offer various personal banking services. You can choose from our checking and savings accounts that cater to your unique financial situation. If you're planning to purchase a new vehicle, our auto loans and vehicle financing options are designed with competitive rates to help you get on the road without breaking the bank. For those looking to buy a home or refinance an existing mortgage, our mortgage loans and refinancing services provide flexible solutions that fit your budget. Need extra cash for unexpected expenses? Our personal loans and debt consolidation options can help you regain control of your finances. Plus, enjoy the added benefit of our credit cards with rewards, allowing you to earn points on everyday purchases.

Your Financial Partner

At Summit, we believe in building relationships with our members by providing personalized service and support. Our friendly staff is always ready to assist you with any questions or concerns you may have. Ready to explore how we can help you achieve your financial goals? Give us a call at (828) 267-5768 or visit us at 102 1St Ave Ne Hickory Nc 28601 in Hickory, NC. We look forward to serving you!

Digital & Online Banking

Key Features

Our online banking platform provides a user-friendly experience where you can access e-statements anytime you need them. Go paperless with Yes and keep your financial information organized. Additionally, our electronic signature authorization feature allows you to sign documents securely online, saving you trips to the branch. For those who love convenience, our mobile application makes banking even easier. Whether you're out shopping or relaxing at home, you can take advantage of mobile payments through Yes, allowing you to make quick and easy transactions right from your smartphone. Plus, with person-to-person transfers available, sending money to friends or family is just a few taps away.

Security and Accessibility

Your security is our priority. We utilize advanced encryption methods to ensure that your financial data remains safe while you manage your accounts online. Our services are designed with accessibility in mind so that everyone can take advantage of these tools without hassle. With all these features available at Summit, managing your finances has never been more straightforward. Dive into the world of digital banking today by visiting https://www.summitcu.org/ and experience the ease of real-time account management right at your fingertips!

Financial Strength

A Growing Member Base

Total Share and Deposit Accounts stand at 62,293, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments total $0, showcasing our dedication to fostering member success. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Summit is your trusted partner. Visit us at 102 1St Ave Ne Hickory Nc 28601 or call (828) 267-5768 to learn more about how we can help you achieve your financial goals.

Commitment to Operational Efficiency

Our $2,615,816 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 101 full-time employees and 9 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Investing Back into Our Community

With $31,998,000 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is impressive; we have $4,704 in used auto loans and $225,465,069 in total loans and leases, which supports our members' financial goals across various sectors.

Secure Savings for Members

Members' savings are secured through $44,324,851 in share certificates and $9,482,464 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $4,628,964, 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 $52,712,822, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,527 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 $72,343,501 in used vehicle loans and $8,711,384 in new vehicle loans already helping members get on the road. Whether you're looking for a brand-new vehicle or a reliable used one, our flexible terms can help make your dream car a reality.

Credit Lines and Unsecured Loans

For those seeking flexibility in their finances, we offer credit lines totaling $39,240,807. Additionally, our unsecured credit card loans provide an accessible way to manage expenses, with a total of $11,641,437 already helping members maintain control over their budgets.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $25,575,173, make buying or refinancing simple. We provide competitive rates and personalized service to guide you through the entire process.

Refinancing Options

If you're considering refinancing any existing loans, we have options available to help you save money and lower your monthly payments. Our team is here to discuss eligibility requirements and find the best solution for your situation. For more information on any of our loan products or to discuss your financial needs further, feel free to reach out at (828) 267-5768 or visit us at 102 1St Ave Ne Hickory Nc 28601 in Hickory, NC. We're here to help you take the next step toward achieving 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.

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SUMMIT CREDIT UNION