Summit Credit Union Oxford NC | Affordable Auto Loans & Business Banking

Introduction

Welcome to Summit, your trusted financial partner right here in the heart of Oxford, North Carolina! Located at 128 College St, our branch has been a pillar of the community since 1935. With over 32,000 members and total assets reaching an impressive $344,630,684, we pride ourselves on providing personalized banking solutions that cater to your unique needs. At Summit, we understand that financial journeys are best navigated together. That's why we offer a range of services from checking and savings accounts to auto loans and mortgage refinancing. Our commitment to you is reflected in our total deposits of $14,975,711 and a net worth of $52,712,822. Your trust helps us grow stronger and serve you better. While members can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address at 8210 W Market St, Greensboro, NC 27409. Our dedicated team of 110 employees, led by CEO Samuel Whitehurst and Board President Jack Thornton, is always here to assist you. Whether you need guidance on personal loans or are looking for business banking options, we're just a phone call away at 919-693-7151. Join us at Summit Credit Union where community meets opportunity! Explore how we can help you achieve your financial goals by visiting us today or checking out our website at summitcu.org.

Branch History & Mission

Commitment to Innovation

In today's fast-paced world, we understand the importance of staying current with technology. That's why we offer online and mobile banking options that make managing your finances easier than ever. With features like electronic signatures and mobile payments available, we're proud to deliver a convenient experience while ensuring compliance with ADA standards.

Community Focus

Summit isn't just about numbers; it's about people. We actively engage with our community through partnerships and outreach programs that support local events and initiatives. Whether it's participating in charity drives or providing financial literacy workshops, we strive to be more than just a credit union we aim to be a cornerstone of the Oxford community. As we look toward the future, we invite you to join us on this journey. Experience the benefits of being part of Summit where your financial well-being is our top priority. If you're interested in becoming a member or learning more about what we offer, please give us a call at 919-693-7151 or visit our website at summitcu.org. Together, let's build a brighter financial future!

Our Mission

Our mission is simple yet profound: to provide exceptional financial solutions while fostering community support and engagement. We believe that everyone deserves access to high-quality banking services and personalized assistance. Our offerings include personal banking, auto loans, mortgage financing, and business services all designed with our members' needs in mind. We also prioritize community outreach initiatives that aim to uplift and enhance the lives of those around us. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to our mailing address at 8210 W Market St, Greensboro, NC 27409.

Branch Location & Accessibility

Operating Hours

At Summit Credit Union, we understand that your time is valuable. That's why our lobby hours are designed for your convenience: Monday through Thursday from 8:30 AM to 5:00 PM and Friday from 8:30 AM to 6:00 PM. Our drive-thru service operates during the same hours, making it easy to handle deposits and withdrawals without leaving your vehicle.

Services Offered

We offer a range of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got what you need under one roof. Need assistance with business banking? We provide merchant services and business loans too! Plus, with online and mobile banking available, managing your finances on-the-go has never been easier.

Visit Us Today!

Feel free to reach out if you have any questions or need assistance just give us a call at 919-693-7151. We invite you to come visit us at Summit Credit Union in Oxford. Our team looks forward to serving you and helping you achieve your financial dreams!

Member Eligibility

At Summit, we believe that everyone deserves a chance to be part of a warm, welcoming community. Becoming a member is easy and open to those who live, work, worship, or attend school in our vibrant area. If you share a connection with our community, you're already on the right path! Not only do our members enjoy competitive rates on loans and savings, but they also gain access to personalized financial services tailored to their unique needs. To get started, simply reach out to us at (919) 693-7151 or visit our branch located at 128 College St Oxford Nc 27565. We're here to guide you through the account opening process and help you understand all the benefits of membership. For more detailed eligibility criteria, feel free to check out this resource. Join us today and experience the difference that being a part of Summit can make in your financial journey!

Business Banking & Commercial Services

Business Loan Options

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. Additionally, we also support the broader business community with $40 in non-member commercial loans, providing flexible financing solutions that adapt to various circumstances.

Merchant Services

Managing transactions smoothly is vital for any business. That's where our merchant services come in. With tools designed to simplify payment processing, you can focus on what matters most: serving your customers. Imagine a system where payments are processed quickly and securely allowing you to provide an excellent customer experience. Located at 128 College St, Oxford, NC 27565, Summit is here for you. Contact us at 919-693-7151 to learn more about how we can assist your business today!

Comprehensive List Of Services

Business Banking

For local businesses, we provide tailored banking solutions such as merchant services and business loans. Whether you're starting a new venture or expanding an existing one, our team is ready to assist you in navigating your financial journey.

Connect With Us

Our friendly staff is always here to help answer any questions or guide you through our services. Feel free to reach out at (919) 693-7151 during our lobby hours: Monday through Thursday from 8:30 AM to 5:00 PM and Friday from 8:30 AM to 6:00 PM. At Summit, we're dedicated to making your banking experience positive and productive. Explore all that we have to offer today by visiting us online at Oxford Credit Union Branch or stop by our branch!

Convenient Digital Banking

Embracing technology is essential for modern banking. Our online and mobile banking platforms allow you to access your accounts anytime, anywhere. With features like mobile payments, person-to-person transfers, and e-statements, managing your money has never been easier. You can even sign documents electronically for added convenience.

Drive-Thru & Shared Branch Services

We also understand that sometimes you need quick access without stepping inside. Our drive-thru service offers basic banking transactions like deposits and withdrawals with ease. If you're a member of another credit union, take advantage of our shared branch transactions for deposits and withdrawals.

Personal Banking

Our personal banking options are designed with you in mind. If you're opening a checking or savings account, you'll find flexible features that suit your lifestyle. For those looking to buy a new vehicle, our auto loans and vehicle financing can help get you on the road quickly and affordably. You can also consider our mortgage loans and refinancing options if homeownership is in your plans. If managing debt is your goal, we offer personal loans and debt consolidation services that make it easier to regain control of your finances. Plus, enjoy the benefits of our credit cards with rewards that let you earn as you spend.

Digital & Online Banking

Mobile Application and Payments

For even greater ease, don't forget to download our mobile application. It gives you full access to all our digital services on the go! You can also take advantage of mobile payments, allowing you to make quick purchases using your smartphone. Whether you're shopping at your favorite store or dining out, paying has never been easier. At Summit, we believe that banking should fit into your lifestyle seamlessly. Enjoy the benefits of modern banking with our user-friendly tools designed for your convenience!

Online Banking Features

Explore our online banking platform at https://www.summitcu.org/, where you can easily check balances, pay bills, and transfer money without stepping foot in a branch. Our 24/7 online banking services provide real-time account management right at your fingertips. Plus, with features like person-to-person transfers, sending money to friends and family has never been simpler or faster.

Security and User-Friendliness

We prioritize your security with electronic signature authorization, ensuring that all transactions are safe and legitimate. You can feel confident knowing that your information is protected while you enjoy the convenience of e-statements. No more waiting for paper statements in the mail; now you can view them instantly online whenever you need them.

Financial Strength

At Summit, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our financial strength, which demonstrates our commitment to serving you and your financial needs effectively. 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 15.27% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. 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. 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 supports your financial goals with $4,704 in used auto loans and a total of $225,465,069 in loans and leases. Our net income of $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 and committed team. Net Shares (funds available for lending and investments) stand at $0, but our focus remains on enhancing the value we provide to you. Our total share accounts have reached an impressive 62,293, showing a strong and growing member base that trusts us with their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. 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 128 College St Oxford NC 27565 or call 919-693-7151 to learn more about how we can help you achieve your financial goals.

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. We provide flexible financing options that can fit any budget, making it easier for you to drive away in the vehicle you want.

Credit Lines and Refinancing

In addition to our primary offerings, we have credit lines available totaling $39,240,807. These are excellent options for those who may need access to extra funds on an as-needed basis. If you're considering refinancing an existing loan or exploring eligibility options for new financing, our team is here to assist you every step of the way. At Summit, we pride ourselves on our commitment to serving our community by offering financial products that are straightforward and beneficial. Feel free to reach out at (919) 693-7151 or visit us at our branch located at 128 College St Oxford Nc 27565 in Oxford, NC. 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 help you take the next step towards achieving your financial aspirations!

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 offer competitive rates and personalized service to guide you through each step of the process, ensuring you find the best solution for your housing needs.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $11,641,437 in loans helping members manage their finances effectively. Our credit cards come with rewards and low-interest rates, allowing you to earn while you spend.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced 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 means you receive fair and transparent offers that reflect current market conditions. By gathering information straight from legitimate lenders, LendMesh ensures that all comparisons are accurate and trustworthy.

Summit

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans