The State Credit Union Charleston WV | Reliable ATM Services Only

Introduction

At The State, located at 2200 Washington St E, Charleston, WV 25311, we pride ourselves on being more than just a credit union; we are a vital part of our community. Established in 1988, our commitment to serving our members has grown alongside our membership, which now stands at an impressive 8,357 individuals. With total assets of $87,406,473 and total deposits reaching $2,870,363, we have built a solid foundation that emphasizes trust and reliability. Under the leadership of CEO Brent Gray and Board President Charles McDaniel, The State has cultivated a welcoming environment where financial dreams become achievable realities. We understand that every member's journey is unique, and we strive to provide tailored financial solutions that fit your needs. 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: P.O. Box 50919, Charleston, WV 25305-0919. Our dedicated team of 15 employees is here to support you with services ranging from personal loans to savings accounts. With total loans amounting to 3,440, we offer various lending options designed to help you reach your goals. Our net worth currently sits at $15,693,750, reflecting our strong position in the financial landscape. We invite you to explore what The State can do for you. Whether you're looking for guidance on loans or simply need assistance with your account, don't hesitate to call us at 304-558-0566 or visit our website at wvpecu.org. Join us as we continue to build a brighter financial future together!

Branch History & Mission

Commitment to Innovation

As we continue to grow, we embrace modern technology while ensuring that everyone feels welcome at our branch. Our online banking platform allows members to manage their accounts conveniently from home. We also prioritize ADA compliance to ensure that all individuals can access our services comfortably. Our dedication to enhancing member experiences doesn't stop there; we're constantly exploring ways to improve and adapt. While we currently do not offer ATM services or mobile payments, we're committed to listening to our members' needs and expanding our offerings accordingly.

Join Us!

As we look forward to the future, we invite you to join The State family. By becoming a member, you'll gain access to personalized financial solutions tailored just for you. Experience the benefits of being part of a community-focused credit union that truly cares about your success. Contact us today at 304-558-0566 or visit us online at www.wvpecu.org for more information on how you can become part of something special!

Our Mission

At The State, our mission goes beyond just offering financial products. We are dedicated to empowering our members by providing them with the tools and resources they need to achieve their financial goals. Whether it's securing a loan for a new car or saving for a dream vacation, we strive to be your partner every step of the way. We believe that supporting our community is just as important as supporting our members. Through various outreach programs and partnerships with local organizations, we aim to make a positive impact in Charleston and its surrounding areas. Our commitment to fostering relationships within the community reflects our core values of integrity, service, and respect.

Branch Location & Accessibility

Accessibility and Parking

Our branch is designed with accessibility in mind. You'll find ADA-compliant features such as ramps and designated parking spots, ensuring that everyone can easily access our services. There's ample parking available for both cars and larger vehicles, so you won't have to worry about finding a spot when you visit us.

Operating Hours

We're here to serve you! Our lobby hours are Monday through Friday from 9:00 AM to 3:00 PM, giving you plenty of time to drop by during your day. If you're looking for earlier service, our drive-thru is open from 7:30 AM to 5:00 PM on weekdays. Whether you prefer to come inside or use the drive-thru, we're ready to assist you with a smile.

Services Offered

At The State credit union, we focus on providing essential banking services tailored to meet your needs. While we currently do not have ATM availability or shared services, our team is dedicated to helping you with everything from personal loans to account management right at our branch. For any questions or assistance, feel free to give us a call at 304-558-0566. We encourage you to stop by and see how we can help make your banking experience easier and more enjoyable. We look forward to welcoming you soon!

Member Eligibility

Becoming a member of The State is like joining a friendly community where everyone looks out for one another. If you live, work, worship, or go to school in the Charleston area, you're likely eligible to join us! We welcome anyone who shares our values and wants to be part of something special. Membership at The State comes with a wealth of benefits, including personalized service and financial products designed just for you. To get started, simply check out our eligibility details at https://www.wvpecu.org/information/eligibility-groups . You'll find all the specifics there, making it easy to see if you qualify. When you're ready to open your account, you can find more information at http://WWW.WVPECU.ORG/personal/zelle . If you have any questions or need assistance, feel free to give us a call at (304) 558-0566. We can't wait to welcome you into our community at 2200 Washington St E Charleston Wv 25311!

Business Banking & Commercial Services

Business Loan Options

Imagine having the financial support you need to turn your business dreams into reality. 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. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Additionally, our merchant services streamline transactions so you can focus on what matters growing your business. From credit card processing to cash management solutions, we provide the tools necessary to enhance customer experiences and improve efficiency. Join us at The State located at 2200 Washington St E Charleston Wv 25311, Charleston, WV, and let's work together to empower your business's future! For more details, call us at (304) 558-0566 or visit our website at https://www.wvpecu.org .

Comprehensive List Of Services

Call to Action

Ready to take control of your financial journey? Visit us at 2200 Washington St E Charleston Wv 25311, give us a call at (304) 558-0566, or check out our website at https://www.wvpecu.org for more information on how we can assist you today. Join the community at The State, where your financial well-being is our priority!

Community-Centered Approach

We pride ourselves on being more than just a financial institution; we're part of the community in Charleston. Our members are at the heart of everything we do, and we tailor our services to meet their unique needs. If you're looking for guidance on financial matters or want to learn about potential loan options in the future, we're here to help you navigate those choices.

Digital Convenience

Embracing technology can greatly enhance your banking experience. Although our ATM services are limited, we're excited about the future possibilities for expanding our digital offerings. We encourage you to explore options like online banking and mobile payments for added convenience in managing your accounts remotely. For now, rest assured that if you need assistance or have questions about your transactions, our friendly staff is just a call away.

Everyday Banking Needs

In today's fast-paced world, having access to reliable banking services is essential. At The State, we offer ATM Services Only, allowing you to easily withdraw cash whenever you need it. While we currently focus on ATM services, we're here to guide you through any transactions or inquiries over the phone at (304) 558-0566. Whether you're picking up some cash for a night out or making a quick deposit, our ATM service offers a straightforward way to manage your funds.

Digital & Online Banking

Accessibility and Security

While we focus on convenience, we also prioritize your security. Our online banking services utilize advanced security measures to protect your information, so you can bank with peace of mind. Whether you're using a computer or mobile device (even though we currently don't have a dedicated mobile application), accessing your financial information is straightforward and safe. In summary, the digital banking services at The State empower you to manage your finances on your terms. Explore our offerings today and see how easy banking can be!

Key Services

Our online banking platform at https://www.wvpecu.org provides a user-friendly experience where you can view account balances, transfer funds, and pay bills with just a few clicks. If you prefer going paperless, our e-statements are available to help you manage your records efficiently while contributing to a more sustainable environment. Need to send money quickly? Our person-to-person transfer feature makes it simple to send cash to friends or family without any fuss. Plus, with electronic signature authorization, signing documents has never been easier or more secure.

Financial Strength

A Dedicated Team Ready to Serve You

We also take pride in having 15 full-time employees and no part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts stand at 12,180, 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, The State is your trusted partner. Visit us at 2200 Washington St E Charleston Wv 25311 or call (304) 558-0566 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.*

Commitment to 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. Additionally, with $13,888,429 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better.

Lending Capacity to Support Your Goals

With $1,046 in used auto loans and $54,372,396 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our $1,014,483 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Secure Savings for Members

Members' savings are secured through $10,923,064 in share certificates, offering stable and rewarding financial growth opportunities. While we currently do not have money market shares, our focus remains on providing safe and accessible options for all our members.

Solid Financial Health

With a net worth of $15,693,750, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,795 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 $16,253,831 in used vehicle loans and $15,960,599 in new vehicle loans already helping members get on the road. We provide flexible terms tailored to fit your budget, making it easier than ever to drive away in the vehicle you want.

Credit Lines

If you need additional flexibility for unexpected expenses or projects, our credit lines totaling $5,000,000 can provide the security you need. This option gives you quick access to funds without the hassle of applying for another loan every time an expense arises. For more information on eligibility or if you're interested in refinancing options, don't hesitate to reach out. You can contact us at (304) 558-0566, or visit us at our location: 2200 Washington St E Charleston Wv 25311, Charleston, WV. 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 support you every step of the way!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,222, make buying or refinancing simple. We aim to offer competitive rates and terms that can make your journey to owning a home straightforward and manageable.

Unsecured Credit Card Loans

Managing finances effectively is crucial for many members. We also offer flexible terms on unsecured credit card loans, with a total of $755,020 in loans helping members keep their spending within control while building their credit history.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing data 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 using verified information guarantees that users receive fair and transparent offers.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results for every user. - Real-Time Rate Comparisons: You will find up-to-date loan rates from multiple institutions, allowing you to make informed decisions quickly. 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!" This kind of feedback highlights how effective LendMesh can be in facilitating better financial choices. Ready to find the best rates for your needs? Compare real-time loan offers today at LendMesh and take the first step towards smarter borrowing. 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.

THE STATE CREDIT UNION