Union Trades Credit Union Charleston WV | Best Auto Loans & Business Banking

Introduction

At Union Trades, we believe in building a stronger community through financial support and personalized service. Located at 210 Tennessee Ave, Charleston, WV 25302, our branch has been a trusted partner for individuals and families since 1972. With a proud membership of 2,961 members, we offer a range of services designed to meet your unique financial needs, from auto loans and mortgages to checking accounts and credit cards. With total assets exceeding $32,117,048 and deposits reaching $4,955,262, we are committed to managing your money with care and transparency. Our net worth stands at $5,496,447, reflecting our dedication to maintaining stability and growth for our members. We're also proud to report that our total loans stand at 1,615, allowing us to help many in the Charleston area achieve their dreams. Led by our experienced CEO, Dianah Angert, and Board President, Lynford Lovell, our team of 11 employees is here to provide friendly service during our operating hours from Monday to Friday, 8:30 a.m. to 5:00 p.m. Whether you're looking for personal banking options or business solutions, we're equipped to assist you with tailored services that fit your lifestyle. While members can visit us at 210 Tennessee Ave, official correspondence should be sent to the same address. If you have questions or need assistance, don't hesitate to give us a call at 304-344-0194. Visit our website at Union Trades FCU for more information about how we can help you achieve your financial goals. Join us today and discover how Union Trades is not just a credit union; we're your partner in success!

Branch History & Mission

At Union Trades, we take great pride in our rich history and commitment to serving the community of Charleston, WV. Since opening our doors in 1972, we have grown from a small credit union into a trusted financial institution that currently serves over 2,900 members. Our branch, located at 210 Tennessee Ave, is a cornerstone of support for local families and businesses, providing financial services tailored to meet their needs. Over the years, Union Trades has achieved significant milestones. We now boast total assets of over $32 million, reflecting our steady growth and stability in the financial landscape. Our mission is clear: to empower our members through accessible financial services while fostering a sense of community and cooperation. Whether it's offering personal banking solutions like checking and savings accounts or providing loans for vehicles and homes, we strive to make a positive impact on every member's financial journey. While members can visit us at our branch address, official correspondence should be sent to 210 Tennessee Ave, Charleston, WV 25302-2325. This ensures that all communication remains efficient and effective. Union Trades is dedicated to creating an inclusive environment for all our members. We are proud to offer ADA-compliant facilities along with modern conveniences such as online banking and mobile applications. With operating hours from Monday to Friday, 8:30 a.m. to 5:00 p.m., we are here when you need us most. Our commitment goes beyond just providing financial products; we believe in giving back to the Charleston community. Through various outreach initiatives and partnerships with local organizations, we work hard to support our community's growth and well-being. As we look towards the future, we invite you to become part of our family at Union Trades. Join us today and experience firsthand how our dedicated team is ready to help you achieve your financial goals while being an integral part of a vibrant community. For more information or to open an account, please call us at 304-344-0194 or visit our website at Union Trades FCU. Together, let's build a brighter future!

Branch Location & Accessibility

Comprehensive Services

Union Trades offers a variety of services tailored just for you. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Our ATM is also available for quick cash withdrawals and balance checks anytime you need it. While members can visit us at 210 Tennessee Ave, official correspondence should be sent to the same address as well. If you have any questions or want more information about our services, feel free to give us a call at 304-344-0194. We look forward to welcoming you into the Union Trades family! Stop by today or reach out we're excited to help you achieve your financial goals!

Convenient Access

At Union Trades, we prioritize accessibility for all our members. The branch is equipped with ADA-compliant features to ensure everyone can enjoy our services comfortably. Parking is ample and close to the entrance, so you won't have to walk far to reach us. Plus, with a drive-thru option available, you can quickly handle your banking needs from the comfort of your car.

Operating Hours

We know that convenience matters, which is why we're open Monday through Friday from 8:30 a.m. to 5:00 p.m. Whether you're stopping in during your lunch break or after work, we're here to assist you with all your financial needs.

Member Eligibility

At Union Trades, we believe that everyone deserves to be part of a supportive financial community. Joining us is simple and welcoming! If you live, work, or worship in the Charleston area, or if you are related to someone who is already a member, you're likely eligible to become part of our family. We strive to make banking personal and accessible, providing you with tailored services like checking and savings accounts, auto loans, and more. To learn more about specific eligibility criteria, feel free to visit our detailed resource. Once you're ready to take the next step, opening an account is just as easy! You can find all the information you need by checking out our account opening details at https://my.homecu.net/banking/hcuactivate.prg?cu=utfcu. If you have any questions or need assistance, don't hesitate to give us a call at (304) 344-0194. We're excited to help you start your journey with Union Trades at our location: 210 Tennessee Ave Charleston Wv 25302!

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

When it comes to everyday transactions, our merchant services simplify the payment process for you and your customers. Picture this: a busy Saturday at your shop where quick and easy payment methods make all the difference. With our reliable merchant services, you can accept payments efficiently, allowing you to focus on what you do best running your business. Located at 210 Tennessee Ave Charleston Wv 25302 in Charleston, WV, we invite local entrepreneurs to discover how we can help turn their visions into reality. For more information, call us at (304) 344-0194 or visit our website at https://www.uniontradesfcu.com/.

Comprehensive List Of Services

Business Banking

If you're a business owner, we offer tailored solutions through our business banking services, including merchant services and business loans. We're committed to helping local businesses thrive by providing accessible financial tools.

Drive-Thru Services

For members who prefer in-person assistance without leaving their cars, we have basic drive-thru banking available for deposits, withdrawals, and simple transactions. This means getting what you need without stepping inside the branch! We invite you to experience all that Union Trades has to offer. Whether you're visiting us at our Charleston branch or accessing our services online, we're here for you every step of the way. Ready to take control of your financial future? Call us today at 304-344-0194 or visit our website at Union Trades to learn more about how we can assist you!

Home Financing

Thinking about buying a home? Our mortgage loans and refinancing options provide the support you need to take that big step. We understand that purchasing a home is one of the most significant decisions you'll make, and our team is here to guide you every step of the way.

Loans and Credit

For those unexpected expenses or plans that require additional funding, our personal loans and debt consolidation options can be a lifesaver. Need a little extra cash? Our credit cards with rewards allow you to earn points while making everyday purchases.

Online Convenience

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking features. You can check your balance, transfer funds, or pay bills anytime from anywhere. With our ATM services available for cash withdrawals and basic transactions, managing your finances has never been easier.

Personal Banking

Our personal banking services include checking and savings accounts designed to help you manage your money effectively. Imagine having a reliable account where you can deposit your paycheck and save for future plans, all while earning interest on your savings. We also offer auto loans and vehicle financing to help you purchase that dream car you've been eyeing. With competitive rates and flexible terms, we make driving off the lot a reality.

Digital & Online Banking

Key Services Offered

One of the standout features of our online banking is the ability to manage your accounts 24/7. You can check balances, transfer funds, and pay bills anytime, anywhere through our secure online banking portal at https://www.uniontradesfcu.com/. For those who prefer using their smartphones, we also have a mobile application available that makes banking even more convenient. With person-to-person transfers, sending money to friends or family has never been easier. Whether you're splitting a bill or sending a gift, just a few taps on your phone will do the trick. Plus, if you ever need to sign documents quickly, our electronic signature authorization feature allows you to complete transactions without the hassle of printing and scanning. We're also proud to offer e-statements so you can keep track of your finances in a paperless way. It's not just environmentally friendly; it's also a great way to stay organized. And for those who enjoy having everything at their fingertips, our mobile payments feature lets you make purchases right from your phone convenient and fast! Your security is our top priority. Our digital banking services are designed with safety in mind, so you can bank with peace of mind knowing that your information is protected. At Union Trades, we're committed to providing accessible and effective banking solutions that empower you to manage your finances easily and securely. Explore all our digital offerings today!

Financial Strength

A Solid Foundation

With a net worth of $5,496,447, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 17.11% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Growing Together

With total share accounts reaching 4,684, we showcase a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments stand at $742,463, allowing us to be agile in meeting your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Union Trades is your trusted partner. Visit us at 210 Tennessee Ave Charleston Wv 25302 or call (304) 344-0194 to learn more about how we can help you achieve your financial goals.

Member-Centric Approach

Members' savings are secured through $3,887,369 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 $108,058 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 11 full-time employees ready to assist you with a knowledgeable team.

Reinvesting in Your Future

With $5,496,447 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 with $338 in used auto loans and $11,851,071 in total loans and leases to support your financial goals across various sectors.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry, with over $5,071,929 in used vehicle loans and $2,382,492 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, our competitive rates and flexible terms make it easier for you to drive home with confidence.

Credit Lines

For those needing extra flexibility, our total credit lines amount to $1,500,000. This can be an excellent resource for managing expenses or unexpected costs without the hassle of applying for a new loan each time. At Union Trades, we believe in empowering our members through accessible financial solutions. For more information on how our loan offerings can help you or to explore eligibility options, please contact us at (304) 344-0194 or visit us at our branch located at 210 Tennessee Ave Charleston Wv 25302 in Charleston. 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 look forward to helping you find the right loan product for your needs!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $506,031, make buying or refinancing simple. We strive to make the home-buying process straightforward and affordable. Plus, if you're considering refinancing your current mortgage, we have options available that might suit your needs.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $817,653 in loans helping members manage their finances effectively. This option allows you to have access to funds when you need them most while enjoying benefits like rewards and no annual fees.

Loan Aggregator

Benefits of Using LendMesh

One of the standout features of LendMesh is its commitment to verified data. Loan offers come exclusively from legitimate financial institutions, ensuring that you receive trustworthy information without any hidden agendas. Additionally, LendMesh does not prioritize lenders based on paid promotions this means that you will see unbiased results that genuinely reflect the best available options. Another significant advantage is the real-time rate comparisons provided by LendMesh. Users have access to up-to-date loan rates from multiple institutions, allowing them to compare different offers at a glance. This level of transparency helps consumers feel confident in their choices. Thousands of users trust LendMesh for 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 and reliability of this tool. To start your journey towards finding the best loan rates tailored to your needs, compare real-time loan offers today at LendMesh. 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.

UNION TRADES FEDERAL CREDIT UNION - Charleston, WV

Compare Loan Rates Near You

Loan rates in Charleston, WV (25302)