The United Credit Union Morgantown WV | Low Mortgage Rates & Auto Loans

Introduction

Welcome to The United Federal Credit Union, your trusted financial partner located at 3467 University Ave Ste 100, Morgantown, WV 26505. Established in 1973, we have proudly served our community for over 50 years, fostering a welcoming environment where our 6,096 members can thrive financially. With total assets exceeding $104 million, we are committed to providing reliable services tailored to your needs. At The United, we believe in the power of community and strive to make a positive impact through various financial solutions. Our offerings include everything from personal banking options like checking and savings accounts to auto loans, mortgage refinancing, and business banking services. With a total deposit base of $5,529,921 and over 1,960 loans and leases, we ensure that our members have access to the funds they need when they need them. Our dedicated team of 24 employees, led by CEO Zachery Ueltschy and Board President James Raley, is here to guide you on your financial journey. Whether you're looking for assistance with budgeting or seeking advice on loans, we prioritize personalized service and support. While you can visit us at our branch for all your banking needs, please note that official correspondence should be directed to our mailing address: 3467 University Ave Ste 100, Morgantown, WV 26505-3051. Join us today to experience banking that puts you first! Call us at 304-598-7838 or explore more about our services on our website: tufcu.org. We look forward to helping you achieve your financial goals!

Branch History & Mission

At The United, we proudly celebrate our journey since opening our doors in 1973. Located at 3467 University Ave Ste 100 in Morgantown, WV, we have grown alongside our community, nurturing strong relationships and helping our members achieve their financial goals. With a total membership of over 6,000 and assets amounting to $104,418,797, we are committed to offering personalized service that meets the unique needs of each individual. Our mission is simple yet powerful: to provide exceptional financial services while fostering a sense of community. We believe that banking should be accessible and supportive. We strive to empower our members through a variety of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Every interaction we have is guided by our dedication to enhancing the financial well-being of our members and the broader Morgantown community. Over the years, The United has embraced advancements in technology to improve your banking experience. Our services include online and mobile banking options for convenience from anywhere at any time. Additionally, we offer ATM access and drive-thru banking for quick transactions without leaving your vehicle. Our lobby hours are designed for your ease as well open Monday through Thursday from 9 AM to 4 PM, Friday until 5 PM, and Saturday mornings for drive-thru service. While you can visit us at our branch location in Morgantown for all your banking needs, official correspondence can also be sent to our mailing address at 3467 University Ave Ste 100, Morgantown, WV 26505-3051. We take pride in being more than just a financial institution; we are a vital part of the community fabric. Through various outreach programs and partnerships with local organizations, we work tirelessly to give back and support those around us. Join us at The United today! Experience the difference that comes from being part of a credit union that puts its members first. Call us at 304-598-7838 or visit our website at tufcu.org to learn more about how we can help you thrive financially.

Branch Location & Accessibility

Contact Us

Have questions or need assistance? Feel free to give us a call at 304-598-7838. Our friendly team is ready to help you with any inquiries you may have. While members can visit us at our branch address, any official correspondence should be sent to the same location at 3467 University Ave Ste 100, Morgantown, WV 26505-3051. We invite you to come by and see how The United Federal Credit Union can support your financial journey!

Operating Hours

We understand that your time is valuable. That's why we offer flexible operating hours to fit your busy schedule. Our lobby is open Monday through Thursday from 9:00 AM to 4:00 PM and Friday until 5:00 PM. For those quick transactions, our drive-thru service is available Monday through Saturday, providing a convenient way to manage your banking needs without leaving your car.

Services Offered

At The United Federal Credit Union, we take pride in offering a wide range of services tailored to meet the needs of our members. Whether you're looking for personal banking solutions like checking and savings accounts or seeking financing options such as auto loans and mortgages, we've got you covered. Additionally, our ATM is available on-site for cash withdrawals and balance checks anytime you need it.

Member Eligibility

Becoming a member of The United is like joining a warm, welcoming family where your financial well-being is the priority. If you live, work, or worship in the Morgantown area, you're already on your way to enjoying the many benefits we offer! Membership is open to individuals who meet these simple criteria, and if you're unsure whether you qualify, feel free to reach out to us at (304) 598-7838. We're here to help guide you through the process. Once you find out that you're eligible, opening an account with us is straightforward and quick. At The United, you'll gain access to a range of financial services tailored just for you, from personal banking and auto loans to business banking solutions. We pride ourselves on being a supportive community for our members. For more detailed information about eligibility requirements, visit us at . You can also learn how to start your membership journey by checking out our account opening details at . Join us today and take the first step toward a brighter financial future!

Business Banking & Commercial Services

Merchant Services That Work

Imagine having the tools you need to accept payments easily while focusing on what you do best running your business. Our merchant services offer just that. From credit card processing to online payment solutions, we help streamline transactions so you can serve your customers better. Located at 3467 University Ave Ste 100 Morgantown Wv 26505 in Morgantown, WV, we're here to help your business thrive. Contact us today at (304) 598-7838 to learn more about how we can support your goals!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $38 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $29 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $5,358,265, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

For those running their own businesses, we have a robust suite of services including merchant services and business loans. Our team is ready to help your business thrive by providing financial solutions that make sense for your unique situation.

Convenience at Your Fingertips

Accessibility is key at The United. Our ATM services allow you to withdraw cash or check balances conveniently. If you're on the go, take advantage of our basic drive-thru banking for quick deposits and withdrawals without leaving your car. We also ensure that banking is hassle-free with features like e-statements, which keep all your account information secure and organized online. And if you prefer face-to-face interactions, feel free to visit us during our lobby hours our friendly staff is always here to assist you.

Personal Banking

We understand that managing your personal finances can sometimes feel overwhelming. That's why we offer a variety of checking and savings accounts that fit your lifestyle. You can easily monitor your accounts through our online banking platform or mobile app, making it simple to check balances, transfer funds, and pay bills anytime, anywhere. When it comes to financing your dreams, our auto loans and vehicle financing options provide competitive rates to help you hit the road without breaking the bank. If you're thinking about buying a home, our mortgage loans and refinancing services can guide you through the process with clarity and support. If you ever find yourself needing extra cash for unexpected expenses, our personal loans and debt consolidation options can give you the financial relief you need. Plus, with our credit cards that offer rewards, every purchase can earn you points towards exciting benefits.

Stay Connected

Whether you're at home or out and about in Morgantown, staying connected has never been easier thanks to our digital banking features. Sign up for online and mobile banking today so you can manage your finances from wherever life takes you. If you're curious about how we can assist you further or want to learn more about any specific service we offer, please don't hesitate to reach out! Call us at (304) 598-7838, visit us at 3467 University Ave Ste 100 Morgantown Wv 26505, or check out our website at The United Federal Credit Union. We look forward to serving you!

Digital & Online Banking

Accessibility and Security

With our Mobile Application, managing your finances is just a tap away. Whether you're out shopping or relaxing at home, you can keep track of your spending and make payments with ease. And if you need to send money to friends or family, our Person-to-Person Transfers make it simple and fast. Our commitment to security means you can bank confidently online. We use advanced encryption technology to protect your information, ensuring that your transactions are safe and secure.

Around-the-Clock Support

With our 24/7 Online Banking Services, you'll never have to worry about missing a transaction or bill payment again. We're always here for you when you need us, making it easier than ever to manage your financial life on your terms. At The United, we strive to enhance your banking experience with tools that fit seamlessly into your daily routine. Join us today and discover how easy banking can be!

Key Services

Explore our online banking features at https://tufcu.org/ . You can easily check your account balances, pay bills, and transfer funds all from the comfort of your home or on the go. Our user-friendly interface ensures that you can navigate through your transactions effortlessly. We also offer E-Statements, allowing you to access your financial documents electronically. This not only helps you stay organized but also reduces paper clutter. Plus, for those who prefer a quick and secure way to sign documents, we provide Electronic Signature Authorization. This feature simplifies the process of signing forms without the hassle of printing or mailing.

Financial Strength

Commitment to Growth and Innovation

With $28,755,410 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 robust as evidenced by $506 in used auto loans and $69,531,865 in total loans and leases, supporting our members' financial goals across various sectors.

Member-Centric Savings

Members' savings are secured through $25,337,899 in share certificates and $3,301,053 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $3,384,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 19 full-time employees and 5 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts stand at 11,123, 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 United is your trusted partner. Visit us at 3467 University Ave Ste 100 Morgantown Wv 26505 or call (304) 598-7838 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.*

Solid Financial Foundation

With a net worth of $28,755,410, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $2,754 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 $6,744,285 in used vehicle loans and $3,726,265 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 your dream vehicle.

Business Loans

If you're a business owner looking for funding options, our outstanding commercial loans totaling $5,358,265 provide the capital needed to grow and expand your operations. We cater to both member and non-member commercial needs with competitive rates and supportive service.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $3,632,764, make buying or refinancing simple. Whether you're purchasing a new property or refinancing an existing mortgage, our team is here to guide you through every step of the process.

Personal and Credit Card Loans

For those needing extra cash for personal expenses or emergencies, we also offer unsecured credit card loans. Although currently there are no outstanding unsecured credit card loans reported at this time, we aim to provide flexible terms that help our members manage their finances effectively when the need arises.

Refinancing Options

In addition to our diverse loan offerings, we also have refinancing options available for existing loans. This can help lower your monthly payments or adjust your loan terms based on your current financial situation. At The United Federal Credit Union located at 3467 University Ave Ste 100 Morgantown WV 26505, you can count on us for personalized service and expert advice. For more information about our loan products or to speak with one of our friendly representatives, give us a call at 304-598-7838. 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 Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This trusted loan comparison tool offers a clear view of your options, making it easier to choose a loan that fits your needs. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This commitment to quality means you get fair and transparent offers based on the latest results (Source: https://www.ncua.gov ). By connecting with reputable lenders, LendMesh guarantees that the information you receive is both relevant and reliable. The benefits of using LendMesh are substantial: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. 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 of LendMesh in helping individuals secure better financial outcomes. 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.*

THE UNITED FEDERAL CREDIT UNION