The West Tennessee Credit Union Atoka TN | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to The West Tennessee Credit Union, your trusted partner in financial growth and community support since 1967. Located at 13690 Highway 51 S, Atoka, TN 38004, we are dedicated to serving our members with a range of personalized banking solutions designed to meet your unique needs. Whether you're looking for checking and savings accounts, auto loans, or credit cards with rewards, we've got you covered. With over 1,681 members and total assets amounting to an impressive $18,440,891, our commitment to helping you achieve financial stability is stronger than ever. Our services extend beyond traditional banking; we also offer business loans and merchant services for local entrepreneurs looking to thrive. We pride ourselves on being part of the Atoka community and strive to make a positive impact through various initiatives. Under the leadership of CEO Kenneth Newberry and Board President Walter Wise, our team of 7 employees works diligently to ensure that every member feels valued and supported. If you need assistance or have questions about our services, feel free to reach out at 901-837-0431 or visit us during our lobby hours from 8:45 AM to 4:30 PM, Monday through Friday. While members can visit us at our branch location, official correspondence should be sent to our mailing address: 13690 Highway 51 South, Suite 107, Atoka, TN 38004. Join us at The West Tennessee Credit Union as we build a brighter financial future together. For more information about membership eligibility or to explore our services further, please visit our website at wtncu.org. Your journey towards financial empowerment starts here!

Branch History & Mission

The West Tennessee Credit Union has a proud history that began in 1967, rooted in the heart of Atoka, TN. Since its inception, this credit union has dedicated itself to serving the community and providing members with reliable financial services. Over the years, The West Tennessee has evolved significantly, expanding its offerings and growing its membership base to over 1,681 individuals who trust us with their financial needs. Located at 13690 Highway 51 S, Atoka, TN 38004, our branch is easily accessible for all community members. Whether you're visiting us for personal banking or exploring loan options, you'll find a welcoming atmosphere designed to meet your needs. With features like a drive-thru service and ATM availability, we prioritize convenience for our members. At The West Tennessee Credit Union, our mission is clear: we strive to empower our members through sound financial guidance while fostering strong community ties. We believe in more than just transactions; we are here to support each member's journey toward achieving their financial goals. Our commitment extends beyond banking; we actively participate in local outreach initiatives that strengthen our neighborhood and help those in need. As we celebrate our rich legacy, we also embrace modern advancements. Our digital services include online banking and mobile payments to ensure that managing your finances is easy and accessible. We take pride in being ADA compliant, making sure everyone can access our services comfortably. While the main office is located at the address mentioned above, official correspondence should be directed to 13690 Highway 51 South, Suite 107, Atoka, TN 38004 if necessary. With total assets of approximately $18,440,891, The West Tennessee Credit Union stands as a pillar of stability within the community. We are not just a financial institution; we are your neighbors dedicated to your success. Join us today and experience the benefits of membership at The West Tennessee Credit Union. Together, let's build a brighter financial future for you and our community! For more information or to get started, visit our website or give us a call at 901-837-0431.

Branch Location & Accessibility

Welcome to The West Tennessee Credit Union, conveniently located at 13690 Highway 51 S in Atoka, TN. Our branch sits in a prime spot, easily accessible for residents of Tipton County and beyond. Whether you're heading to the local shops or just passing through, we're here to help you with your financial needs. At The West Tennessee Credit Union, we understand that accessibility is key. Our branch features ADA-compliant entrances and ramps, making it easy for everyone to visit us. Parking is ample and convenient, ensuring that your trip is as hassle-free as possible. If you're looking for a quick banking solution, our drive-thru service allows you to conduct simple transactions without leaving your vehicle. For those who prefer digital banking, we offer an ATM on-site for easy cash withdrawals and balance checks anytime you need them. Our operating hours are designed to fit your busy schedule, with lobby hours from 8:45 AM to 4:30 PM, Monday through Friday. While members can visit us at our physical location, if you need to send any official correspondence, please direct it to our mailing address at 13690 Highway 51 South, Suite 107, Atoka, TN 38004. Whether you're interested in personal banking options like checking and savings accounts or exploring auto loans and mortgage refinancing, our friendly team is ready to assist you. If you have questions or would like more information about our services, don't hesitate to call us at 901-837-0431. We look forward to welcoming you soon!

Member Eligibility

Becoming a member of The West Tennessee feels like joining a caring family where your financial needs are prioritized. If you're located in the surrounding community or have ties to it, you may be eligible for membership! To keep things simple, eligibility often includes being employed by certain organizations, residing in specific areas, or having family connections with current members. It's designed to ensure that we foster a supportive community for those who truly belong. For full details on who qualifies, feel free to visit our eligibility page at http://www.wtncu.org/become-a-member. Joining us is easy and welcoming! At The West Tennessee, we offer various services tailored just for you, from checking and savings accounts to loans and credit cards with rewards. Opening an account is straightforward just give us a call at (901) 837-0431 or stop by our branch located at 13690 Highway 51 S Atoka Tn 38004 during our operating hours. We can't wait to help you take this exciting step towards better financial health!

Business Banking & Commercial Services

Business Loan Options

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

Imagine being able to accept payments from customers seamlessly, whether they're shopping online or at your storefront. Our merchant services make it easy for you to handle transactions smoothly, allowing you more time to focus on what you do best running your business. From payment processing to point-of-sale solutions, we're here to simplify your financial operations. Located at 13690 Highway 51 S Atoka Tn 38004 in Atoka, TN, our team is ready to partner with you on your journey towards success. Give us a call at (901) 837-0431 to learn more about how we can assist your business today!

Comprehensive List Of Services

ATM and Drive-Thru Access

Need quick access to cash? Our ATMs are available for withdrawals and balance checks whenever you need them. Additionally, our drive-thru service allows for simple transactions without having to leave your car perfect for those busy days when time is of the essence. Whether you're visiting us in person or using our digital services, rest assured that we're here for all your financial needs. If you'd like more information about how we can serve you better, don't hesitate to give us a call at (901) 837-0431 or visit us online at The West Tennessee Credit Union. We look forward to being part of your financial journey!

Business Banking Services

For business owners, we provide essential support with our business banking services, which include merchant services and business loans designed to help you grow and thrive.

Credit Card Options

When it comes to credit cards, we offer rewards programs that allow you to earn points on everyday purchases. This means you can enjoy benefits while managing your expenses wisely.

Digital Banking Features

In today's fast-paced world, convenience is key. At The West Tennessee, we prioritize making banking easy for you through our robust online and mobile banking platforms. Access your accounts anytime, anywhere! You can perform transactions, check balances, and even make person-to-person payments all from the comfort of your smartphone or computer.

Personal Banking Solutions

We understand that managing personal finances can sometimes feel overwhelming. That's why we offer a variety of personal banking options to help simplify your life. With our checking and savings accounts, you can easily keep track of your finances while earning interest on your savings. Planning a new vehicle purchase? Our auto loans and vehicle financing options can get you behind the wheel quickly and affordably. Are you considering buying a home? Our mortgage loans and refinancing services make it easier than ever to secure the perfect home loan tailored to your needs. Plus, if you're looking to consolidate debt or need some extra cash, our personal loans are designed with flexibility in mind.

Digital & Online Banking

Key Services

With just a few clicks, you can access our comprehensive online banking platform at https://www.wtncu.org/. This service allows you to check your balances, transfer money, and pay bills all from the comfort of your home or on the go. Plus, our mobile application enhances this experience further, providing you with powerful tools right at your fingertips. Are you tired of waiting for documents in the mail? With our electronic signature authorization, signing important documents is quick and hassle-free. You can also opt for e-statements, which means you'll receive your account statements electronically no more paper clutter! If you're always on the move, our mobile payments feature lets you make purchases directly from your smartphone. You can even send money to friends or family using our person-to-person transfer service; it's like having cash in your pocket without needing to carry it!

Security and Support

We prioritize your security. All transactions made through our online banking services are protected with robust security measures to keep your personal information safe. Our team is dedicated to providing excellent support whenever you need help navigating these services. Whether it's accessing funds late at night or transferring money while waiting in line, The West Tennessee offers 24/7 online banking services so that you can manage your finances at any time that suits you best. Explore all these features today at https://www.wtncu.org/ and discover how easy banking can be!

Financial Strength

Committed Team

We also take pride in having 3 full-time employees and 4 part-time employees who are always ready to assist you with knowledgeable and committed service. Our team works hard to ensure that your banking experience is smooth and fulfilling.

Growing Membership Base

Our community is growing stronger every day. With 2,521 total share accounts, more members trust us with their finances. This reflects the confidence our community has in us as a reliable financial partner. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, The West Tennessee is your trusted partner. Visit us at 13690 Highway 51 S Atoka Tn 38004 or call (901) 837-0431 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: www.ncua.gov, based on the latest results.*

Reinvesting for Your Benefit

We are dedicated to reinvesting in our community and our services. With $995,966 in undivided earnings, we continuously improve our banking tools and lending options while enhancing security measures to serve you better.

Secure Savings Options

Your savings are secure with us. Members' deposits are backed by $1,884,430 in share certificates, providing stable and rewarding growth opportunities. While we currently have no money market shares or non-member deposits, our commitment remains focused on prioritizing our members' interests.

Solid Financial Health

With a net worth of $1,925,804, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,042 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Goals

Our lending capacity is robust, with $381 in used auto loans and $16,409,222 in total loans and leases available to support your financial goals across various sectors. Whether you're looking to buy a new car or need help managing other expenses, we're here for you.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $8,470,345 in used vehicle loans and $3,542,824 in new vehicle loans already helping members get on the road. We provide financing options that make it easy for you to choose between new and used vehicles, ensuring you find what fits your budget and lifestyle best.

Credit Lines

For those looking for added flexibility in their finances, our total credit lines available amount to $1,500,000. This option allows you to draw funds as needed without having to apply for a new loan each time ideal for managing unexpected costs or planning for future purchases.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Although we currently do not offer Junior Lien 1-4 Family Residential Properties loans, our team is here to guide you through other mortgage opportunities that can fit your needs.

Refinancing and Eligibility Options

If you're considering refinancing any existing loans, we encourage you to explore our options. Refinancing can often lower your payments or help you pay off debt faster. Check out our eligibility criteria here and see how easily you might qualify for one of our loan products. At The West Tennessee, we're committed to providing personalized service tailored to your unique financial situation. If you have any questions or would like more information about our loan offerings, please don't hesitate to reach out at (901) 837-0431. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us today at 13690 Highway 51 S Atoka Tn 38004 in Atoka, TN, and let us help you take the next step toward achieving your financial goals!

Unsecured Credit Card Loans

Managing daily expenses can be challenging, but we also offer flexible terms on unsecured credit card loans, with a total of $464,158 in loans helping members manage their finances effectively. This means you can enjoy peace of mind knowing that you have access to credit when you need it most.

Loan Aggregator

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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 tailored to their needs. By utilizing verified data, LendMesh eliminates guesswork and empowers users to make informed financial decisions.