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

Introduction

Welcome to Telco Community Credit Union, your trusted financial partner since 1935! Located conveniently at 355 Us Highway 70 Sw, Hickory, NC 28602, we take pride in serving our community with dedication and care. With a total membership of 35,121, we are committed to providing personalized banking solutions tailored to your needs. At Telco Community Credit Union, we understand that financial security is important. That's why our assets have grown to an impressive $379,956,796, allowing us to offer a variety of services including personal banking, auto loans, mortgage options, and business banking. Our members benefit from total deposits of $25,401,750 and a robust net worth of $43,163,593, ensuring your funds are safe with us. Our team is led by David Burnette, our CEO, and supported by Robert Lux, the Board President. Together with our dedicated staff of 82 employees, we work tirelessly to make banking simple and accessible for everyone. Whether you need assistance with everyday transactions or are looking to finance your next vehicle our drive-thru service makes it easy for you! While members can visit us at our branch location in Hickory, official correspondence should be directed to the same address: 355 US Hwy 70 SW, Hickory, NC 28602. Join us today and experience the difference a member-focused credit union can make in your financial journey. For more information or assistance, don't hesitate to call us at 828-322-8566 or visit our website at telcoccu.org. Your financial future starts here!

Branch History & Mission

Commitment to Community

At Telco Community Credit Union, we are committed to more than just numbers. We actively participate in local events and outreach programs that promote financial literacy and support for various community initiatives. Our partnerships with local organizations reflect our dedication to giving back and making Hickory a better place for everyone. As part of our commitment to providing excellent service, we also ensure that our branch is equipped with modern conveniences like drive-thru banking for quick transactions. While we currently do not offer ATM services at this location, our shared service center allows members access to essential banking functions across numerous partner locations.

Join Us

As we look toward the future, we invite you to be part of our journey. Whether you're looking for competitive rates on loans or simply seeking guidance on your financial path, Telco Community Credit Union is here for you. Visit us during our operating hours Monday through Thursday from 8:30 AM to 5:30 PM and Friday until 6:00 PM or give us a call at 828-322-8566. Join us today and experience firsthand the benefits of membership at Telco Community Credit Union a place where your financial well-being is our top priority!

Our Journey

Located at 355 US Highway 70 SW, Hickory, NC 28602, our branch has seen many changes over the decades. From humble beginnings to managing assets that now exceed $379 million, Telco Community Credit Union has always aimed to provide accessible and affordable financial services. We are proud to serve not just as a financial institution but as a community partner dedicated to improving the lives of those in our area. Our mission is simple yet profound: we strive to empower our members through exceptional banking services while fostering a sense of community. We believe that everyone deserves access to quality financial products and education. By offering personal banking options such as checking and savings accounts, auto loans, mortgages, and business banking services, we aim to meet the diverse needs of our members.

Branch Location & Accessibility

Accessibility and Features

At our Hickory branch, we prioritize your convenience and comfort. We offer ample parking space and our facility is ADA compliant with accessible ramps, ensuring that everyone can easily visit us. If you're on the go, take advantage of our drive-thru service for quick transactions including deposits and withdrawals.

Connect With Us

If you have questions or need assistance, don't hesitate to reach out! You can give us a call at 828-322-8566. We look forward to welcoming you at Telco Community Credit Union in Hickory!

Operating Hours

Our dedicated team is ready to assist you during convenient hours: from 8:30 AM to 5:30 PM Monday through Thursday, and until 6:00 PM on Fridays. This way, you can stop by before or after work or school without any hassle.

Services Offered

We provide a range of personal banking services tailored just for you. From checking and savings accounts to auto loans and mortgages, we have everything covered for your financial journey. Additionally, our shared service center allows members from partner credit unions to conduct basic transactions seamlessly.

Member Eligibility

Becoming a member of Telco Community Credit Union is like joining a close-knit family that values community and support. If you're looking to take advantage of our friendly services and great financial products, you'll be happy to know that eligibility is open to anyone who lives, works, worships, or attends school in our service areas. Whether you're a first-time bank user or looking for a better option, we welcome you with open arms! You can find all the specific details about membership eligibility at http://www.telcoccu.org/apply-for-membership, which outlines everything you need to know. Opening an account at Telco Community Credit Union is simple and straightforward. Just visit us at our location on 355 Us Highway 70 Sw Hickory Nc 28602, or give us a call at (828) 322-8566 for any questions you might have. We want to make your experience as easy as possible, so don't hesitate to reach out! For more information on how to get started with your membership, check out this link: http://www.telcoccu.org/apply-for-membership. Join us today and discover the many benefits of being part of our community!

Business Banking & Commercial Services

Loan Options That Drive 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, we offer merchant services that streamline your transactions and enhance customer satisfaction. Imagine being able to accept payments quickly and securely, freeing up time to focus on what you do best running your business. Our services help ensure that you can provide excellent service while managing your finances effectively. Visit us at 355 Us Highway 70 Sw Hickory Nc 28602 or call us at (828) 322-8566 to learn more about how Telco Community Credit Union can support your business journey. Let's build a brighter future together!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're in the market for a new car or need to refinance an existing loan, our Auto Loans & Vehicle Financing services are designed to offer competitive rates and flexible terms. Picture driving off in your dream car without breaking the bank. We help simplify the process so you can focus more on enjoying your new ride rather than worrying about financing.

Business Banking Solutions

For entrepreneurs and small business owners, our Business Banking services include merchant services and business loans that help fuel growth. We recognize the challenges of running a business; therefore, we aim to support you with financial tools that empower success.

Convenient Access Options

At Telco Community Credit Union, convenience is key. With our Online & Mobile Banking features, managing your accounts is just a click away. You can also take advantage of ATM and cash withdrawal services at partner locations throughout the area. Need quick service? Our drive-thru banking allows for deposits, withdrawals, and simple transactions without leaving your vehicle. We also offer basic shared branch transactions for members of partner credit unions so that accessing funds is hassle-free wherever you are. If you're ready to explore all these wonderful services and more at Telco Community Credit Union in Hickory, NC, give us a call at 828-322-8566 or visit us online at telcoccu.org. We look forward to serving you!

Credit Cards with Rewards

With our Credit Cards with Rewards, every purchase can earn you points towards exciting rewards. Think about how those everyday expenses could lead to vacation trips or cash back in your pocket. Enjoy flexibility and benefits that align with your spending habits.

Mortgage Loans & Refinancing

Thinking about purchasing a home? Our Mortgage Loans & Refinancing options provide various plans tailored to fit different budgets. Whether you're a first-time buyer or looking to refinance your current mortgage for better rates, we will guide you through each step. Imagine finally owning that house you've always wanted!

Personal Banking Solutions

For those who want to manage their day-to-day finances effortlessly, our Personal Banking options include checking and savings accounts that help you keep track of your money. Imagine having easy access to your funds while earning interest on your savings! Our online and mobile banking features allow you to check balances, transfer money, and pay bills from the comfort of your home or on the go.

Personal Loans & Debt Consolidation

We understand that life can be unpredictable, which is why our Personal Loans & Debt Consolidation services can provide relief during tough times. If unexpected expenses arise or if you want to consolidate high-interest debt into one manageable payment, we've got solutions that make sense for you.

Digital & Online Banking

Effortless Money Transfers

Need to send money to a friend or family member? Our person-to-person transfer feature simplifies this process, letting you send funds directly without hassle. It's quick and straightforward just another way we strive to make banking easier for you. At Telco Community Credit Union, we prioritize accessibility and convenience in every aspect of our digital banking services. So whether you're at home or out and about, managing your money has never been more effortless!

Key Features of Our Digital Banking Services

Our online banking service is available 24/7, allowing you to check your balance, pay bills, and transfer funds at your convenience. You'll appreciate the user-friendly interface that makes navigation a breeze. Plus, if you're always on the go, our mobile application puts all these features right at your fingertips. For those who love the convenience of modern technology, we offer mobile payments, making it easy to pay for purchases directly from your phone. Whether you're grabbing coffee or shopping for groceries, just tap and go!

Secure Transactions Made Easy

When it comes to security, we've got you covered. Although we don't currently offer electronic signature authorization for documents, rest assured that all transactions through our online platform are safeguarded with top-notch security measures. You can feel confident knowing that your information is protected while you manage your accounts.

Stay Informed with E-Statements

Keeping track of your finances is essential. With e-statements available at Yes, you can view your account statements electronically instead of waiting for them in the mail. This not only helps reduce clutter but also allows you to monitor your transactions in real-time.

Financial Strength

At Telco Community Credit Union, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. As your trusted credit union located at 355 Us Highway 70 Sw Hickory Nc 28602 in Hickory, NC, we are proud to showcase our solid financial standing, which reinforces our commitment to serving you with confidence. 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. 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. 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. With $39,018,586 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 supported by $4,205 in used auto loans and $215,834,547 in total loans and leases, helping members achieve their financial goals across various sectors. Our impressive net income of $3,662,386 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 77 full-time employees and 5 part-time employees who are dedicated to providing exceptional service every day. Net Shares (Funds available for lending and investments): $0. Total Share and Deposit Accounts: 68,454, showing 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, Telco Community Credit Union is your trusted partner. Visit us at 355 Us Highway 70 Sw Hickory Nc 28602 or call (828) 322-8566 to learn more about how we can help you achieve 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.

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. We provide flexible terms and competitive rates to make your car-buying experience smooth and straightforward.

Business Financing

For business owners, our outstanding commercial loans totaling $404,540 provide the capital needed to grow and expand. We understand the unique challenges businesses face and offer products that cater specifically to their financing needs. Our commitment extends beyond just lending; we also prioritize helping our members understand their options. If you're interested in refinancing or exploring eligibility options for any of our loan products, don't hesitate to reach out. Feel free to visit us at our branch located at 355 Us Highway 70 Sw Hickory Nc 28602, or call us at 828-322-8566 for more information about our loan offerings and how we can help you achieve 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. At Telco Community Credit Union, we're here to support you on your financial journey!

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 believe that homeownership should be within reach for everyone, and our team is ready to assist you with tailored solutions that fit your needs.

Personal Loans

For those who need quick access to cash for various purposes be it debt consolidation or unforeseen expenses our personal loans are an ideal solution. They are designed to provide you with the funds you need when you need them most.

Unsecured Credit Cards

Managing everyday expenses can sometimes require a little extra help. 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. These cards come with benefits that make everyday purchases easier while allowing you to maintain control over your spending.

Loan Aggregator

No Sponsored Listings

Unlike many comparison tools, LendMesh does not prioritize lenders based on paid promotions. This means users receive unbiased results that focus solely on finding the best rates available, not those that come with advertising dollars.

Real-Time Rate Comparisons

With up-to-date loan rates from multiple institutions, LendMesh empowers users to make informed decisions about their borrowing options. The platform continuously updates its data, allowing users to see changes as they happen. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness and reliability of this tool. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Verified Data

LendMesh prioritizes accuracy in its loan comparisons. All loan offers are sourced from legitimate financial institutions, ensuring transparency at every step of the process. Users can trust that the information provided reflects current market conditions.