Telco Community Credit Union Candler NC | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Telco Community Credit Union, your trusted partner in financial growth and community engagement located at 1141 Smokey Park Hwy, Candler, NC 28715. Since our establishment in 1935, we've proudly served over 35,121 members, providing a range of financial services designed to meet the needs of our community. At Telco Community Credit Union, we believe in building strong relationships with our members while offering competitive rates and personalized service. Our total assets have grown to an impressive $379,956,796, reflecting our commitment to stability and growth. With total deposits reaching $25,401,750 and a net worth of $43,163,593, we ensure that your money is secure and working for you. Our dedicated team of 82 employees is led by CEO David Burnette and Board President Robert Lux, who are both passionate about creating a welcoming environment where you can thrive financially. Whether you're looking for auto loans, personal banking solutions, or business services, we have the resources to support your journey. While members can visit us at our branch for face-to-face assistance or simply call us at 828-633-6604, official correspondence should be directed to our mailing address: 1141 Smokey Park Hwy, Candler, NC 28715-8240. Explore all that we have to offer by visiting our website at Telco Community Credit Union. Join us today and experience the difference of banking with a credit union that truly cares about your financial well-being!

Branch History & Mission

Commitment to Innovation

As we move forward into an increasingly digital world, we remain focused on enhancing the member experience. Our online banking platform offers convenient access to accounts from anywhere, while our mobile app allows for easy payments and transfers on the go. We also provide ATM services and drive-thru banking for added convenience. While members can visit us at 1141 Smokey Park Hwy, official correspondence should be sent to 1141 Smokey Park Hwy, Candler, NC 28715-8240 if it differs from our physical address.

Join Us Today!

With total assets exceeding $379 million, Telco Community Credit Union stands strong as a pillar in our community. We invite you to become part of our family experience firsthand how we prioritize your financial health while fostering connections within Candler and beyond. For more information about membership or services, call us at 828-633-6604 or visit our website at telcoccu.org. Together, let's build a brighter financial future!

Our Mission

At Telco Community Credit Union, our mission is simple yet powerful: to improve the financial well-being of our members through quality services and community involvement. We offer a variety of products tailored to meet your needs from checking and savings accounts to auto loans and credit cards with rewards. We believe that financial success should be within everyone's reach, which is why we focus on providing affordable options and personalized support. In addition to financial services, we are deeply committed to giving back to our community. We regularly engage in outreach programs that support local schools, charities, and events aimed at enhancing the lives of those around us. Our partnerships with local organizations allow us to make a lasting impact beyond just banking.

Branch Location & Accessibility

Welcome to the Telco Community Credit Union Candler Office, located at 1141 Smokey Park Hwy in beautiful Candler, NC! Our branch is conveniently situated near local landmarks, making it easy for you to stop by and take care of your banking needs. Whether you're heading to the nearby shopping centers or just passing through, we're here to serve you. At our Candler location, we prioritize accessibility for all members. You'll find ample parking available, along with features that comply with ADA standards, ensuring a comfortable visit for everyone. If you prefer not to enter the branch, our drive-thru banking service allows for quick transactions without leaving your vehicle. Plus, we have an ATM on-site for easy cash withdrawals and balance checks. Our doors are open from 8:30 AM to 5:30 PM Monday through Thursday and extend until 6:00 PM on Fridays. Feel free to give us a call at 828-633-6604 if you have any questions or need assistance before your visit. While members can visit us at 1141 Smokey Park Hwy, official correspondence should be sent to the same address as our mailing address: 1141 Smokey Park Hwy, Candler, NC 28715-8240. We also offer shared services for those who may need transactions related to partner credit unions. We invite you to come see what we have to offer! Our team is ready to assist you with personal banking services such as checking and savings accounts, auto loans, mortgages, and more. Stop by or give us a call today we look forward to welcoming you!

Member Eligibility

At Telco Community Credit Union, we believe that everyone deserves to be part of a supportive community. Becoming a member is simple and welcoming! If you live, work, or worship in Buncombe County, you're already eligible to join us. We embrace individuals from all walks of life, so whether you're starting your financial journey or looking for new opportunities, we're here for you. By joining Telco Community Credit Union, you'll gain access to a range of services designed to help you achieve your financial goals while enjoying the perks of being part of our cooperative family. To learn more about the specific eligibility requirements and how to become a member, feel free to visit us at http://www.telcoccu.org/apply-for-membership . Opening an account is straightforward, and our team is always ready to assist you every step of the way. If you have any questions, don't hesitate to reach out at (828) 633-6604. We can't wait to welcome you into the Telco Community Credit Union family at our branch located at 1141 Smokey Park Hwy Candler Nc 28715!

Business Banking & Commercial Services

Our Commitment to Business Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $21 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $404,540, we continue to drive economic growth by financing new and expanding businesses.

Practical Merchant Services

In addition to loans, our merchant services are designed with practicality in mind. Think about how easy it could be for your customers to pay using their preferred methods. By integrating our merchant services, businesses can streamline transactions, improve cash flow, and enhance customer satisfaction all crucial elements for success. Located at 1141 Smokey Park Hwy Candler Nc 28715 in Candler, NC, we're here to support your business journey. Let's work together to build your dreams into reality! For inquiries, call us at (828) 633-6604 or visit our website at https://www.telcoccu.org/ .

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash quickly? Our ATM and cash withdrawal services are available around the clock, ensuring that you have access to your funds when you need them most. Plus, our basic drive-thru banking enables quick transactions like deposits and withdrawals without leaving your car.

Business Banking

For entrepreneurs and small business owners, we offer comprehensive business banking services, including merchant services and business loans. You can focus on growing your business while we handle the banking side of things.

Credit Cards & Rewards

Who doesn't love rewards? Our credit cards with rewards program allows you to earn points on everyday purchases, giving you more reasons to choose us for your spending needs.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features that allow you to manage your finances from anywhere, anytime. Whether it's checking balances, transferring funds, or paying bills, our digital tools make banking straightforward.

Personal Banking

We understand that managing personal finances can be challenging. That's why we offer personal banking services that include checking and savings accounts tailored to fit your lifestyle. Imagine having an account that not only helps you manage your day-to-day expenses but also earns you interest. With our competitive rates, your money works harder for you. If you're in the market for a vehicle, our auto loans and vehicle financing options make it easier than ever to drive off in your dream car. We also provide mortgage loans and refinancing options to help you achieve homeownership or save on your current mortgage payments. Need extra cash for unexpected expenses? Our personal loans and debt consolidation services are here to help simplify your financial journey.

Shared Branch Transactions

As part of a network of credit unions, we offer basic shared branch transactions for partner credit union members. This means even if you're away from home, accessing your account is easy! At Telco Community Credit Union, we're committed to making banking accessible and convenient for everyone in our community. If you're ready to take advantage of these valuable services or want more information, don't hesitate to reach out! Call us at (828) 633-6604 or visit us online at Candler Office today!

Digital & Online Banking

At Telco Community Credit Union, we understand that managing your finances should be as easy and secure as possible. That's why we offer a range of digital and online banking services designed with your convenience in mind. Whether you're at home or on the go, our tools give you access to your accounts anytime, anywhere. With our 24/7 Online Banking Services available at https://www.telcoccu.org/ , you can check balances, transfer funds, and pay bills without having to visit a branch. It's like having a bank right in your pocket! Plus, if you prefer paperless options, we provide E-Statements, allowing you to view your account statements online securely and efficiently. For those who love using their smartphones, our Mobile Application makes banking even simpler. You can manage your accounts, make Person-to-Person Transfers, and enjoy the benefits of Mobile Payments, all with just a few taps. This means you can send money to friends or family quickly and easily perfect for splitting bills or sending gifts! Security is our priority too. Although we don't currently offer Electronic Signature Authorization, we ensure that all your transactions are protected through advanced security measures. You can feel confident knowing that your information is safe with us. Embrace the future of banking with the user-friendly services offered by Telco Community Credit Union. Our digital solutions are tailored to help you take control of your finances effortlessly while providing peace of mind. Explore more at https://www.telcoccu.org/ and start enjoying the benefits today!

Financial Strength

Focused on Member Benefits

Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. Our $39,018,586 in undivided earnings allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better.

Growing Membership Base

Total Share and Deposit Accounts: 68,454, show a strong and growing member base that trusts us with their finances. This trust drives us to continually improve our services for your benefit. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Telco Community Credit Union is your trusted partner. Visit us at 1141 Smokey Park Hwy Candler Nc 28715 or call (828) 633-6604 to learn more about how we can help you achieve your financial goals.

Lending Capacity

Our lending capacity supports members' financial goals across various sectors with $4,205 in used auto loans and $215,834,547 in total loans and leases. This diversity means we can help you achieve your dreams whether it's buying a car or securing funds for personal projects.

Member Savings and Investments

Your savings are our top priority. Members' savings are secured through $73,945,307 in share certificates and $42,937,065 in money market shares, offering stable and rewarding financial growth opportunities. This commitment ensures that your hard-earned money is safeguarded while also growing over time.

Operational Efficiency

Our commitment to operational efficiency is reflected in our $3,662,386, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 77 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 $43,163,593, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,135 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 $58,870,185 in used vehicle loans and $34,779,802 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, our team is here to assist you every step of the way.

Business Financing

For business owners, our outstanding commercial loans totaling $404,540 provide the capital needed to grow and expand. We are committed to supporting local businesses in achieving their dreams. If you're considering refinancing any of these options or exploring eligibility criteria for our loan products, don't hesitate to reach out. You can contact us at 828-633-6604, or visit us at our branch located at 1141 Smokey Park Hwy Candler NC 28715. For more details on all our offerings and how we can help you achieve your financial goals, please visit our website at Telco Community Credit Union. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're here to help you every step of the way!

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $4,178,369 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits that can fit seamlessly into your lifestyle.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $4,158,871, make buying or refinancing simple. We provide guidance throughout the process and offer competitive rates tailored to your budget.

Loan Aggregator

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How LendMesh Ensures 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 commitment to sourcing data from reputable institutions ensures that users receive fair and transparent offers.

TELCO COMMUNITY CREDIT UNION