Twin Oaks Credit Union Apple Grove WV | Low Mortgage Rates & Business Banking

Introduction

Welcome to Twin Oaks, your trusted financial partner in Apple Grove, WV! Located at 27405 Huntington Rd, our branch has been serving the community since 1977. With a strong commitment to our members, we proudly support over 1,240 individuals and families in achieving their financial goals. At Twin Oaks, we understand that financial needs vary from person to person. That's why we offer a range of services tailored just for you, including checking and savings accounts, auto loans, mortgage options, personal loans, and credit cards with rewards. Our total assets stand at an impressive $6,528,621, which reflects our dedication to maintaining a secure and supportive banking environment. Our team is led by Shelbie Vance, our CEO, who works closely with Dwayne Kelly, our Board President, to ensure that every member receives personalized care and attention. With a dedicated staff of 5 employees, we're always here to assist you with any questions or concerns you may have. While members can visit us at our branch address, official correspondence should be sent to PO Box 70, Apple Grove, WV 25502. We invite you to reach out via phone at 304-576-4056 or visit us online at Twin Oaks FCU for more information about our services. Join us today as we continue to grow together your success is our mission!

Branch History & Mission

Community Focus

We understand that financial health goes hand-in-hand with community well-being. That's why we're committed to being more than just a credit union; we are your neighbors. Our partnerships with local organizations enable us to offer various support programs tailored to the unique needs of our community. While we currently do not have ATM or drive-thru services available at this location, our team is always ready to assist you personally within our welcoming lobby space.

Join Us!

As we continue to grow alongside the wonderful people of Apple Grove, we invite you to become part of the Twin Oaks family. Experience firsthand how we put people over profits and make your financial journey smoother and more rewarding. Together, let's build a brighter future! If you're interested in joining or learning more about what we offer, please reach out at 304-576-4056 or visit us online at Twin Oaks FCU.

Our Mission

At Twin Oaks, our mission is clear: we strive to provide exceptional financial services while fostering community support. We believe that by investing in our members' lives and local initiatives, we can make a meaningful difference. From youth programs to local charities, we actively engage in outreach efforts that uplift those around us. Our operating hours are designed for your convenience: we're open from 8 AM to 4 PM Monday through Thursday, and until 12 PM on Fridays. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to PO Box 70, Apple Grove, WV 25502 if different from the branch address.

Our Story

The journey of Twin Oaks began with a simple vision: to provide accessible financial services that empower individuals and families. Nestled at 27405 Huntington Rd, Apple Grove, WV 25502, our branch is more than just a place for banking; it's a hub for community connection and support. We pride ourselves on building lasting relationships with our members and helping them achieve their financial goals. Throughout the years, we have reached several milestones, including expanding our offerings to include personal banking services such as checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking solutions. Our total assets now exceed $6,528,621, reflecting our commitment to responsible management and growth.

Branch Location & Accessibility

Connect With Us

Ready to experience exceptional service? We invite you to stop by or give us a call at 304-576-4056. At Twin Oaks, we're committed to supporting our members with personalized banking solutions that make your life easier. Visit us today and see how we can help you achieve your financial goals!

Nearby Landmarks and Accessibility

Our branch is not far from the scenic beauty of Apple Grove's landscapes, making it a pleasant destination for members and visitors alike. With ample parking available, you'll find getting here hassle-free. We've ensured that our facilities are accessible for everyone, featuring ADA-compliant entrances and ramps for those who may need assistance.

Operating Hours

At Twin Oaks, we understand that your time is valuable. That's why we've set operating hours that fit your schedule. You can visit us from 8 AM to 4 PM, Monday through Thursday, and from 8 AM to 12 PM on Fridays. We're closed on Saturdays, but rest assured that our team is here during the week to assist you.

Services Offered

While you're here, explore our wide range of services tailored for personal and business banking needs. From checking and savings accounts to auto loans and mortgages, we provide solutions that cater to every financial goal. Although we currently do not offer ATM or drive-thru services, our knowledgeable staff is ready to help with any transactions you may need. If you need to send official correspondence, please use our mailing address at PO Box 70, Apple Grove, WV 25502.

Member Eligibility

At Twin Oaks, we believe that everyone deserves a supportive financial community, and becoming a member is your first step towards enjoying a range of personalized services. To qualify for membership, you simply need to live, work, worship, or attend school in the areas we serve, which opens the door for many individuals and families in our community. Joining us means you can take advantage of benefits like lower loan rates and higher savings returns that come with being part of a credit union dedicated to its members. If you're ready to start this journey, the process is straightforward! You can learn more about the specific eligibility criteria by visiting our website. Once you're ready to open an account, just give us a call at (304) 576-4056, and we'll guide you through every step to ensure you feel right at home at Twin Oaks.

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. Additionally, we provide flexible financing solutions with $0 in non-member commercial loans, ensuring that all local businesses have access to the capital they need.

Merchant Services

In today's fast-paced market, managing payments efficiently is crucial. Our merchant services simplify transactions so you can focus on what you do best running your business. Imagine being able to accept payments effortlessly, whether online or in-store, giving your customers a seamless shopping experience. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses. Let Twin Oaks be your partner in achieving your business goals. Visit us at 27405 Huntington Rd Apple Grove Wv 25502 in Apple Grove, WV, or call us at (304) 576-4056 to learn more about how we can help you thrive!

Comprehensive List Of Services

Business Banking

Small business owners will find valuable resources through our Business Banking services, which include essential Merchant Services & Business Loans. We aim to empower local entrepreneurs with the financial tools necessary for growth and success.

Credit Cards and Rewards

For those looking to make everyday purchases more rewarding, our Credit Cards with Rewards offer great benefits that allow you to earn points on purchases. It's a simple way to get more from your spending!

Digital Convenience

In today's fast-paced world, convenience matters. That's why we offer robust Online & Mobile Banking services that allow you to manage your accounts anytime, anywhere. While we currently do not have ATM services available at this branch, our online platform ensures that you can conduct transactions with ease from the comfort of your home or on the go. With all these offerings and more at Twin Oaks, we are committed to meeting all your financial needs under one roof. If you have any questions or would like to learn more about how we can assist you, feel free to reach out at 304-576-4056 or visit us today! We look forward to being part of your financial journey!

Personal Banking

When it comes to personal banking, we offer Checking & Savings Accounts tailored for every lifestyle. Whether you're saving for a vacation or managing daily expenses, our accounts come with features that fit your needs. We understand that life can throw unexpected expenses your way; that's why our Auto Loans & Vehicle Financing options are designed to help you drive away in the car of your dreams without breaking the bank. In addition to auto loans, we provide Mortgage Loans & Refinancing solutions that help you secure your dream home or save on your existing mortgage payments. Our team will guide you through the process, ensuring you understand every step along the way. If you're facing debt challenges, our Personal Loans & Debt Consolidation services can simplify things by helping you manage multiple debts into one easy payment.

Digital & Online Banking

Accessibility and Ease-of-Use

We are dedicated to making sure that managing your finances is straightforward and hassle-free. Our user-friendly approach allows you to navigate through services easily while keeping track of your spending and savings without unnecessary complications. In today's fast-paced world, having reliable access to your financial information anytime and anywhere is essential. At Twin Oaks, we strive to provide you with the tools you need for real-time account management all while prioritizing security and ease of use. Stay tuned as we continue to expand our digital offerings. For now, enjoy the peace of mind that comes with knowing you have access to essential banking functions whenever you need them!

Key Services

While we currently do not offer electronic signature authorization or e-statements, our commitment to secure transactions remains strong. You can rest easy knowing that every interaction is protected with top-notch security measures. For those looking for fast ways to send money, our person-to-person transfer service is not yet available; however, we are continuously exploring options to enhance your banking experience. Mobile payments might not be part of our offerings just yet, but we are excited about the possibilities that lie ahead in making your transactions smoother. As technology evolves, so will our services to meet your needs.

Financial Strength

Commitment to Growth

With $571,669 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 members' financial goals across various sectors with $118 in used auto loans and $6,198,519 in total loans and leases.

Growing Membership Base

Total Share and Deposit Accounts: 1,213, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $175,593. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Twin Oaks is your trusted partner. Visit us at 27405 Huntington Rd Apple Grove Wv 25502 or call (304) 576-4056 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.

Member-Centric Savings Options

Members' savings are secured through $2,301,987 in share certificates, 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 $7,683 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 5 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $742,404, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.37% 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 $1,853,076 in used vehicle loans and $1,744,627 in new vehicle loans already helping members get on the road. We provide flexible terms that suit your budget and lifestyle. Whether it's for a brand-new model or a reliable pre-owned vehicle, our loan specialists are here to guide you through every step of the process.

Business Financing

For business owners looking for support, though we currently have no outstanding commercial loans available, we understand that every business has unique financial needs. Keep an eye on our offerings as they evolve to provide the capital necessary for growth and expansion. At Twin Oaks, we believe in transparency and empowering our members with knowledge. If you're interested in refinancing or want more information about eligibility for any of our products, please don't hesitate to contact us. You can reach us at 304-576-4056 or visit us at 27405 Huntington Rd Apple Grove WV 25502 during our operating hours: Monday through Thursday from 8 AM to 4 PM and Friday from 8 AM to 12 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how Twin Oaks can help you achieve your financial goals today!

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, although currently there are no outstanding balances in this category. These cards help members manage their finances effectively with competitive rates and various rewards options.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. While we currently do not have Junior Lien 1-4 Family Residential Properties loans available, we encourage you to reach out for any future updates regarding our mortgage offerings.

Loan Aggregator

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Ensuring Accurate 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 commitment ensures that you receive fair and transparent offers. By gathering information straight from reliable financial sources, LendMesh guarantees that the rates displayed are both accurate and up-to-date.

TWIN OAKS FEDERAL CREDIT UNION - Apple Grove, WV

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