Telco Community Credit Union Morganton NC | Affordable Vehicle Loans & Personal Banking

Introduction

At Telco Community Credit Union, we believe that every member deserves a financial partner they can trust. Established in 1935, our Morganton Office, located at 127 W Parker Rd, Morganton, NC 28655, has been serving the community for decades. With a dedicated team of 82 employees, we are proud to support over 35,121 members with their financial needs. Our commitment to excellence is reflected in our impressive financial standing. We currently manage total assets of $379,956,796 and have secured deposits amounting to $25,401,750. This ensures that your funds are not only safe but also working hard for you. We offer a wide range of services tailored for personal and business banking needs, including auto loans, mortgages, and credit cards with rewards. Led by our CEO, David Burnette, and Board President, Robert Lux, our leadership team is dedicated to fostering strong relationships with our members while promoting financial wellness in the community. Our goal is to empower individuals and families by providing accessible and affordable financial solutions. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: 127 West Parker Rd, Morganton, NC 28655. We invite you to explore the many ways we can assist you on your financial journey. Whether you're looking to open an account or need assistance with a loan application, don't hesitate to reach out! Call us today at 828-433-0016 or visit our website at telcoccu.org for more information. Your financial future starts here!

Branch History & Mission

Join Us

As we continue this incredible journey together, we invite you to become part of our growing family at Telco Community Credit Union. Experience firsthand the benefits of membership where your financial success is our top priority. Whether you're looking for a checking account or seeking guidance on loans and investments, we're here for you every step of the way. For any inquiries or assistance, feel free to call us at 828-433-0016 or visit our website here. Join us today and discover how we can help you achieve your financial goals!

Our Legacy

Located at 127 W Parker Rd, just a stone's throw away from local landmarks that define our vibrant community, our branch embodies the spirit of collaboration and service. We are not just a credit union; we are a community-focused institution committed to empowering individuals and families. With total assets reaching an impressive $379,956,796, we continue to grow while staying true to our roots. Our history is marked by significant milestones that reflect our dedication to innovation and member satisfaction. From our early days as a small credit union to becoming a leader in the industry, we have embraced change while maintaining our core values. Today, we offer a range of services including personal banking, auto loans, mortgages, business banking solutions, and much more all designed with you in mind.

Our Mission

At Telco Community Credit Union, our mission is clear: to enhance the lives of our members by providing exceptional financial services tailored to meet their needs. We believe in building strong relationships and fostering trust within the communities we serve. This commitment extends beyond mere transactions; it encompasses support for local initiatives and outreach programs that uplift those around us. We understand that access to modern banking conveniences is essential. That's why we offer ATM availability and drive-thru banking, ensuring that your banking experience is as seamless as possible. Our digital advancements allow members to manage their accounts easily through online banking and mobile applications making it simple to stay connected anytime, anywhere. While members can visit us at 127 W Parker Rd, official correspondence should be sent to 127 West Parker Rd, Morganton, NC 28655 if different from the branch address.

Branch Location & Accessibility

Accessibility Features

We prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, ensuring that everyone can easily access our services. Ample parking is available right outside, making your visit hassle-free.

Get in Touch!

We invite you to visit us at the Morganton Office or give us a call at 828-433-0016. Our team is here to help you navigate your financial journey with care and expertise. Come experience the difference at Telco Community Credit Union!

Operating Hours

Our doors are open Monday through Thursday from 8:30 AM to 5:30 PM, and on Fridays until 6:00 PM. We aim to accommodate your busy schedule so you can handle your banking needs at a time that works best for you!

Services Offered

At Telco Community Credit Union, we offer a wide range of services tailored to meet your financial needs from personal checking and savings accounts to auto loans and mortgage refinancing. Plus, with our drive-thru banking option available, you can quickly make deposits or withdrawals without ever leaving your vehicle. You'll also find an ATM on-site for easy cash access any time you need it. And if you're a member of a partner credit union, don't forget about our shared service center that allows you to conduct basic transactions effortlessly.

Member Eligibility

Welcome to the wonderful world of Telco Community Credit Union, where becoming a member means joining a supportive community dedicated to helping you achieve your financial goals. If you live, work, or attend school in the Morganton area, you're already on your way to eligibility! We also welcome family members of existing members, making it easier for you and your loved ones to benefit from our services. At Telco Community Credit Union, we pride ourselves on offering a range of benefits, from competitive loan rates to personalized banking services that feel like home. Joining is simple! Just visit us at 127 W Parker Rd Morganton Nc 28655 or check out our website for more details about eligibility and account opening at http://www.telcoccu.org/apply-for-membership . If you have any questions, don't hesitate to reach out at (828) 433-0016 we're here to help you every step of the way!

Business Banking & Commercial Services

Financing Options Tailored for You

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.

Merchant Services That Make a Difference

Imagine having a reliable partner for your payment processing needs. Our merchant services help streamline transactions, making it easier for your customers to pay while ensuring you get paid faster. This means less time worrying about cash flow and more time focusing on what you do best running your business. Visit us at 127 W Parker Rd Morganton Nc 28655 in Morganton, NC or call us at (828) 433-0016 to learn how our business banking and commercial services can help you thrive!

Comprehensive List Of Services

Business Banking Solutions

For our business members, Telco Community Credit Union offers robust banking solutions including merchant services and business loans designed to support local entrepreneurs. We understand the unique challenges businesses face, so we tailor our services to help you thrive in the marketplace.

Digital Banking Features

We know convenience is key in today's fast-paced world, which is why our online and mobile banking services put control at your fingertips. You can check balances, transfer funds, and even pay bills from the comfort of your home or on the go. With features like ATM access for cash withdrawals, plus basic drive-thru banking for quick transactions, managing your money has never been easier.

Loans and Credit Options

In addition to vehicle and mortgage loans, we offer personal loans and debt consolidation solutions. These can be incredibly helpful if you're looking to streamline your finances or tackle unexpected expenses. Our credit cards with rewards also allow you to earn while you spend, making every purchase a little more rewarding.

Personal Banking

Our personal banking services are designed with you in mind. From checking and savings accounts that help you manage your day-to-day finances to auto loans and vehicle financing for those looking to purchase a new car, we have options that cater to various budgets and lifestyles. If you're considering home ownership or refinancing, our mortgage loans provide competitive rates and flexible terms to help make your dream home a reality.

Reach Out Today!

We invite you to explore all these services and more by visiting us at 127 W Parker Rd Morganton Nc 28655 or giving us a call at (828) 433-0016. Whether you're looking for personal banking options or business solutions, our friendly team is here to assist you every step of the way. For more information about becoming a member or opening an account, check out our website at Morganton Office. Let us help you achieve your financial goals!

Shared Services

If you're a member of a partner credit union, you'll appreciate our ability to facilitate basic shared branch transactions, allowing you to make deposits and withdrawals seamlessly. This means greater flexibility in how and where you access your funds.

Digital & Online Banking

Key Features of Our Online Banking

With our 24/7 online banking services available at https://www.telcoccu.org/ , you can access your accounts anytime, anywhere. You can check balances, transfer funds, and pay bills without having to step foot in a branch. Plus, our user-friendly mobile application makes it even simpler to manage your finances right from your smartphone. Need to send money to a friend? Our person-to-person transfer feature allows you to do just that with a few taps on your screen. And if you're looking for a paperless option, you'll be happy to know that e-statements are available, allowing you to keep track of your finances while reducing clutter.

Security and Peace of Mind

Your security is our top priority. While we don't offer electronic signature authorization at this time, we ensure that all transactions are protected with the latest security measures. With features like mobile payments, you can shop with confidence knowing that your information is safe. No matter what service you choose, our goal is to make banking straightforward and accessible for everyone. Join us at Telco Community Credit Union and experience the ease of digital banking tailored just for you!

Financial Strength

A Growing Community

Total Share Accounts stand at 68,454, showing a strong and growing member base that trusts us with their finances. This trust allows us to build lasting relationships within our community. 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 127 W Parker Rd Morganton Nc 28655 or call (828) 433-0016 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

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.

Operational Efficiency

Our $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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting in You

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 supports your financial goals across various sectors, with $4,205 in used auto loans and $215,834,547 in total loans and leases.

Solid Foundation

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 new model or getting behind the wheel of a reliable used car, 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 understand the challenges faced by businesses today and are committed to supporting local entrepreneurs through tailored lending solutions.

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 strive to provide personalized service and guidance throughout the entire process so that you can make informed decisions about your investment in real estate.

Refinancing Options

If you're considering refinancing your existing loans for better rates or terms, our team can help assess your situation and guide you through available options. This could be a great way to lower your monthly payments or free up cash for other expenses. For more information about any of these loan products or to find out about eligibility requirements, feel free to reach out to us at 828-433-0016 or visit us at our branch located at 127 W Parker Rd Morganton NC 28655. 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 dedicated to supporting our members with reliable financial solutions tailored just for you!

Unsecured 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 various features that can help you earn rewards while keeping track of your spending.

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TELCO COMMUNITY CREDIT UNION - Morganton, NC