The United Credit Union Morgantown WV | Affordable Auto Loans & Business Banking

Introduction

At The United, we believe in the power of community. Located at 3 Sunset Beach Rd, Morgantown, WV 26508, our credit union has been a trusted financial partner since 1973. With over 6,000 members and total assets exceeding $104 million, we are dedicated to providing personalized financial services that cater to your unique needs. Whether you're looking for auto loans, mortgages, or simple checking accounts, our range of services is designed with you in mind. We proudly manage total deposits of $5,529,921 and offer various lending options with over 1,960 loans and leases currently active. Our commitment to you goes beyond just numbers; it's about building relationships and ensuring your financial success. Our leadership team, led by CEO Zachery Ueltschy and Board President James Raley, is passionate about fostering a welcoming environment where every member feels valued. We have a skilled team of 24 employees, ready to assist you in achieving your financial goals while ensuring transparency and support. While members can visit us at our branch for all banking needs, official correspondence should be sent to the same address: 3 Sunset Beach Rd, Morgantown, WV 26508-4431. Explore more about our offerings and how we can help by visiting our website at tufcu.org. Don't hesitate to reach out! Call us at 304-598-5010 or stop by our branch today; we're here to help you navigate your financial journey with confidence.

Branch History & Mission

At The United, we take pride in our rich history and unwavering mission to serve the community of Morgantown, West Virginia. Established in 1973, our branch has been a cornerstone for financial support and guidance for nearly five decades. Located at 3 Sunset Beach Rd, we are easily accessible to all members of our community. As we have grown over the years, we now proudly serve a total membership of 6,096 individuals, each benefiting from our commitment to fostering financial well-being. The United has always aimed to empower our members with quality financial services while promoting a spirit of community and cooperation. With total assets amounting to $104,418,797, we strive to ensure that our members have access to the resources they need for personal and business growth. Our dedicated team of 24 employees is here to provide personalized assistance in various services, including checking and savings accounts, auto loans, mortgage refinancing, and business banking. Our mission is simple yet impactful: to enhance the lives of our members by providing exceptional financial products and services while actively participating in community development. We believe in giving back to Morgantown through outreach programs and partnerships that uplift those around us. This commitment extends beyond just numbers; it embodies a philosophy rooted in trust, respect, and support. While members can visit us at our physical location on Sunset Beach Rd for assistance or transactions including drive-thru banking options official correspondence should be sent to our mailing address at 3 Sunset Beach Rd, Morgantown, WV 26508-4431. In this digital age, The United embraces technology while ensuring accessibility for everyone. Our online banking platform allows members to manage their accounts conveniently from anywhere. Additionally, our ATM services provide easy cash access when needed. As we move forward into the future, we remain dedicated to the same values that shaped our foundation: integrity, service excellence, and community engagement. We invite you to join The United family today and experience firsthand how we can help you achieve your financial goals. Together, let's build a brighter future for Morgantown! For more information or assistance, feel free to reach out at 304-598-5010.

Branch Location & Accessibility

Operating Hours

We want to ensure that banking with us fits seamlessly into your busy life. Our lobby hours are Monday through Friday from 9:00 AM to 5:00 PM, and we're also open on Saturday from 9:00 AM to 12:00 PM. For those who prefer a quicker visit, our drive-thru service operates Monday through Friday from 8:30 AM to 5:00 PM.

Parking and Accessibility

At The United, we understand that accessibility is key. Our branch offers ample parking, making it easy for you to stop by. If you require additional assistance, rest assured that our facility complies with ADA standards, featuring ramps and accessible entrances for everyone.

Services Offered

Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgage refinancing, we've got you covered. You can also take advantage of our ATM services for quick cash withdrawals or balance checks right from your car. While we currently do not offer shared services at this branch, we pride ourselves on delivering comprehensive support directly at our location. For any inquiries or assistance, feel free to reach out to us at 304-598-5010. We encourage you to visit us soon at The United Federal Credit Union where your financial needs come first!

Member Eligibility

At The United, we believe that joining our community is not just about banking it's about being part of a supportive family. Becoming a member is simple and welcoming! If you're a resident of the area, work for certain employers, or even have family members who are already members, you may qualify to join us. We encourage everyone to check out the detailed eligibility criteria available. The advantages of membership include access to personalized financial services, competitive loan rates, and a community-focused approach that puts your needs first. Ready to take the next step? Opening an account with us is straightforward! Just give us a call at (304) 598-5010, or visit us at our branch located at 3 Sunset Beach Rd Morgantown Wv 26508. Our friendly team is here to guide you through the process and answer any questions you might have. Join us today and experience the benefits of being part of The United!

Business Banking & Commercial Services

Commercial 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.

Merchant Services

Running a business requires efficient payment solutions. Our merchant services make it easy for you to accept payments from customers, whether they pay by card or through mobile wallets. This means less hassle at the register and more time to focus on what you love growing your business. Located conveniently at 3 Sunset Beach Rd Morgantown Wv 26508, Morgantown, WV 26508, we're here to partner with you on your journey to success. For inquiries or to discuss how we can assist your business further, call us at (304) 598-5010. Let's take the next step together!

Comprehensive List Of Services

Business Banking Options

If you're running a business, we have tailored solutions for you as well. Our Business Banking services include everything from merchant services that simplify transactions to business loans that help you grow. We understand that every business is unique, which is why we work closely with you to find the best solutions.

Convenient Access Anytime, Anywhere

At The United, we know how important accessibility is in today's fast-paced world. That's why we offer robust Online & Mobile Banking platforms so you can manage your accounts anytime and anywhere. Whether it's checking your balance on-the-go or making payments from the comfort of your home, we've got you covered. Additionally, our ATM & Cash Withdrawal Services ensure you always have access to your money when you need it most.

Loans Made Simple

Need some extra cash? Our Personal Loans & Debt Consolidation services are designed to help you tackle unexpected expenses or consolidate debts into one manageable payment. Plus, with our competitive Credit Cards with Rewards, you can earn while you spend perfect for those who like to maximize their purchases.

Personal Banking Solutions

For those looking to manage their daily finances, we offer various Personal Banking options. You can open a checking or savings account that suits your lifestyle, whether you're saving for a big purchase or just need a safe place for your funds. If you're considering purchasing a vehicle, our Auto Loans & Vehicle Financing make it easy to get behind the wheel without breaking the bank. We also provide Mortgage Loans & Refinancing solutions, helping you secure the home of your dreams or lower your monthly payments on your existing mortgage.

Simple Transactions Made Easy

For straightforward banking needs, our Basic Drive-Thru Banking allows for quick deposits and withdrawals without leaving your car. If you prefer using an ATM, our Basic ATM Access enables easy withdrawals and balance checks at any time. We invite you to explore all that The United has to offer! For any questions or further information about our services, don't hesitate to give us a call at (304) 598-5010. Our team is ready and eager to assist you in achieving your financial goals! Visit us today at The United Federal Credit Union we're here for all your banking needs!

Digital & Online Banking

Key Features of Our Digital Banking Services

With our easy-to-navigate online banking platform available at https://tufcu.org/, you can manage your accounts 24/7. Check balances, transfer funds, and pay bills all from the comfort of your own home or wherever life takes you. Plus, with electronic signature authorization available, signing documents is quick and hassle-free no more mailing forms back and forth! We also provide e-statements to help you stay organized and reduce paper clutter. You can access your statements anytime, ensuring you always have your financial information at your fingertips. For those who prefer mobile access, our mobile application makes banking even easier. You can perform most transactions right from your smartphone, allowing for real-time account management while you're out and about. Additionally, our person-to-person transfer feature lets you send money quickly to friends or family without any fuss.

Security and Accessibility

Your security is our top priority. Our digital banking services are built with state-of-the-art security measures to protect your personal information. You can bank with confidence knowing that your data is safe with us. At The United, we're committed to making banking accessible and straightforward for everyone. Whether you're tech-savvy or just getting started with digital tools, our user-friendly interfaces will guide you every step of the way. Discover how easy banking can be with The United's online services today!

Financial Strength

Commitment to Growth

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 supports your financial goals across various sectors; we currently offer $506 in used auto loans and have a total of $69,531,865 in loans and leases available.

Dedicated Team

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. This dedicated workforce helps enhance your experience with personalized service tailored to your needs.

Member Trust

Total Share and Deposit Accounts stand at 11,123, showcasing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $0, allowing us to support even more member initiatives. 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 3 Sunset Beach Rd Morgantown Wv 26508 or call (304) 598-5010 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our financial performance is further highlighted by our ability to generate income effectively. Our $130,938 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Secure Savings Options

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.

Strong Capital Base

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 27.54% 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. Whether you're considering financing a brand-new model or a reliable used vehicle, our team is here to guide you through the process.

Business Financing

For business owners, our outstanding commercial loans totaling $5,358,265 provide the capital needed to grow and expand. We understand that every business has unique financial needs, and we're here to support you with tailored solutions. At The United, we're dedicated to making borrowing straightforward and accessible. Our refinancing options allow existing borrowers to explore lower rates or better terms based on their current financial situation. If you're interested in learning more about our loan products or discussing eligibility options, feel free to reach out at (304) 598-5010. We're here to help you navigate your financial journey! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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. We are committed to helping you find the right mortgage product that fits your budget and lifestyle.

Unsecured Credit Card Loans

Managing finances can be challenging, which is why we also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. This provides an excellent option for those looking for convenient access to credit without collateral requirements.

Loan Aggregator

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 ensures that users receive fair and transparent offers. By relying on verified institutions, LendMesh guarantees that users are comparing legitimate loan options, making it easier to find the best deal.

Key Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: Unlike many comparison sites, LendMesh does not prioritize lenders based on paid promotions. The focus is solely on providing unbiased results for users. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, helping them make informed choices quickly and easily. Thousands of users trust LendMesh for their loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial underscores the effectiveness of the platform in delivering valuable insights to borrowers. 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 - Morgantown, WV

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