United Credit Union Fletcher NC | Affordable Auto Loans & Business Banking

Introduction

Welcome to United, your trusted credit union located at 3674 Hendersonville Rd, Fletcher, NC 28732. Since our establishment in 1949, we have been dedicated to serving our community and providing exceptional financial services tailored to meet the needs of our 192,997 members. With total assets exceeding $4.1 billion, we are proud to be a pillar of financial stability and support for individuals and families in Fletcher and beyond. At United, we believe in fostering strong relationships with our members. Under the leadership of CEO Terry O'Rourke and Board President Troy Tolle, our team of 726 employees is committed to delivering personalized service that you can rely on. Whether you're looking for personal banking solutions, auto loans, or business financing, we're here to help you achieve your financial goals. While members can visit us at 3674 Hendersonville Rd, official correspondence should be sent to our mailing address: PO Box 125, St Joseph, MI 49085. With a solid net worth of $457,241,625 and cash in hand amounting to $28,466,527, we ensure that your deposits are secure and readily available when you need them. Our diverse range of services includes checking and savings accounts, mortgage loans, credit cards with rewards, and much more. Plus, with total deposits reaching $301,665,562, you can trust that your money is well-managed. We invite you to explore all that United has to offer! For inquiries or assistance, feel free to reach out at 888-982-1400 or visit our website at unitedfcu.com. Join us today and experience the difference of being a member-focused credit union!

Branch History & Mission

Commitment to Service

At United, our members enjoy modern conveniences such as online banking, mobile payments, and access to ATMs throughout the area. We are also dedicated to ensuring our services are accessible to everyone by adhering to ADA compliance standards. With our drive-thru banking available for quick transactions and shared service center options for additional convenience, we strive to make your banking experience as smooth as possible. While members can visit us at 3674 Hendersonville Rd, official correspondence should be sent to PO Box 125, St Joseph, MI 49085.

Community Focus

We take pride in being more than just a financial institution; we are an active participant in the Fletcher community. Our partnerships with local organizations help us support various outreach programs aimed at enhancing the quality of life for residents. Whether it's sponsoring events or organizing workshops, we aim to make a positive impact wherever we can.

Join Us

As we look towards the future, we invite you to be part of our story. Experience the benefits of membership with United and discover how we can help you reach your financial dreams. Call us today at 888-982-1400 or visit our website at unitedfcu.com to learn more about joining our family! Together, let's build a brighter future for you and your community.

Our Journey

From our humble beginnings, United has focused on providing accessible financial services tailored to the needs of our members. Over the years, we have expanded our offerings and built a reputation for reliability and community engagement. Today, we proudly hold total assets of over $4.1 billion, reflecting our commitment to sound financial practices and member satisfaction. Our mission is simple yet profound: to empower our members through comprehensive financial solutions while fostering a spirit of community support. At United, we believe that everyone deserves the opportunity to achieve their financial goals. This belief drives us to offer a range of products, including personal banking accounts, auto loans, mortgages, and credit cards with rewards.

Branch Location & Accessibility

Accessibility and Features

We understand that accessibility is important. Our branch is ADA compliant, featuring ramps and accessible parking spaces to ensure that everyone can enjoy our services without any hassle. Plus, we offer a drive-thru service for those who prefer to bank from their vehicle. Whether you're making deposits or withdrawals, we're here to help you with simple transactions on-the-go.

Operating Hours and Services

Our friendly team is available to assist you during our convenient operating hours: Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. If you need assistance outside these times, don't hesitate to reach out via phone at 888-982-1400. At United, we pride ourselves on providing a comprehensive suite of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans, mortgage refinancing, and even business banking solutions there's something for everyone. Additionally, enjoy the ease of ATM access whenever you need cash.

Visit Us Today!

While members can visit us at 3674 Hendersonville Rd, official correspondence should be sent to PO Box 125 in St Joseph, MI. We invite you to come by and experience the exceptional service that sets us apart. Our team is ready to help you with all your banking needs so why wait? Stop by today or give us a call!

Member Eligibility

At United, we believe that everyone deserves to be part of a caring and supportive financial community. Becoming a member is an exciting step, and it's easier than you might think! If you live, work, worship, or attend school in certain areas or have family connections with existing members, you're likely eligible to join us. Our goal is to welcome all individuals who share our values and vision for financial success. For detailed eligibility criteria, feel free to check out this helpful resource: https://www.unitedfcu.com/products-and-services/banking/savings-accounts/membership-savings-account . Joining United not only opens the door to a range of banking services but also gives you access to exclusive benefits designed to help you thrive financially. Once you've confirmed your eligibility, opening an account is straightforward; simply visit us online at https://online.unitedfcu.com/unitedfederalcredituniononline/sdk/autoenrollmente2e/forgotlogin or call us at (888) 982-1400 for assistance. We're located at 3674 Hendersonville Rd Fletcher Nc 28732, and our friendly team is here to help guide you through the process. Let's take this journey together!

Business Banking & Commercial Services

Business Loans That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $2,050 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $332,047,461, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Simplify Transactions

In addition to loans, we offer merchant services designed to streamline payment processing for your business. Imagine a busy Saturday at your store where customers are eager to make purchases. Our solutions ensure that transactions are quick and secure, allowing you to focus on what matters most serving your customers. Visit us at 3674 Hendersonville Rd Fletcher Nc 28732 in Fletcher, NC, or call us at (888) 982-1400 to learn more about how our business banking and commercial services can help your enterprise thrive!

Comprehensive List Of Services

Business Banking

If you own a business, we understand how important it is to have reliable banking support. Our business banking services include merchant services and business loans that cater specifically to the needs of small businesses. We're here to help you grow and thrive in today's competitive market.

Credit Cards & Rewards

Don't forget about our credit cards with rewards, which offer great benefits for everyday purchases. Imagine earning points every time you fill up your tank or buy groceries these rewards can lead to exciting experiences or valuable discounts!

Digital Banking Features

In this digital age, convenience is key. That's why we offer robust online and mobile banking options that let you access your accounts anytime, anywhere. You can easily check balances, transfer funds, or pay bills right from your smartphone or computer. Plus, our ATM and cash withdrawal services ensure that accessing your money is quick and straightforward.

Drive-Thru & Shared Branch Services

For those who prefer in-person transactions but are short on time, our drive-thru banking provides an efficient way to handle deposits, withdrawals, and other simple transactions without leaving your vehicle. Additionally, as part of our commitment to accessibility, we offer shared branch transactions, allowing members from partner credit unions to make deposits and withdrawals at our location. At United, we believe in making banking as easy as possible for all our members. Whether you're managing personal finances or running a business, we're here to support you every step of the way. If you have any questions about our services or want to get started today, don't hesitate to reach out! Call us at (888) 982-1400 or visit us at 3674 Hendersonville Rd Fletcher Nc 28732 in Fletcher, NC. We look forward to serving you!

Personal Banking

Managing your personal finances is simpler than ever with our comprehensive offerings. Our checking and savings accounts are designed to fit various lifestyles, helping you save for that dream vacation or simply manage your day-to-day expenses. If you're considering a new vehicle, our auto loans and vehicle financing options provide flexible terms and competitive rates, making it easy to drive off in your new car. For those looking to purchase a home, our mortgage loans and refinancing options allow you to find the perfect fit for your budget. And if you're facing unexpected expenses or need to consolidate debt, our personal loans can help you regain control of your finances.

Digital & Online Banking

Accessibility and Ease of Use

With our user-friendly interface, you'll find navigating your accounts a breeze. Whether you're checking your balance or setting up automatic payments, everything is designed to be straightforward and efficient. Real-time account management means you're always in control of your finances. Join us at United today and discover how our digital and online banking services can simplify your banking experience! For more information or to get started, visit us at https://unitedfcu.com/ or give us a call at (888) 982-1400.

Key Features

Our online banking offers 24/7 access, allowing you to check balances, transfer funds, and pay bills whenever it suits you. Need to send money to a friend? With our person-to-person transfer feature, you can do it instantly without any hassle. Plus, for those who prefer using their smartphones, our mobile application provides all the features of online banking right at your fingertips. You can even make payments on the go with our mobile payments option. Security is a top priority at United. We utilize electronic signature authorization for secure transactions and ensure that your information remains safe while you manage your accounts digitally. Additionally, our e-statements feature allows you to receive your account statements electronically no more paper clutter and immediate access to your financial records.

Financial Strength

Building Trust Together

Net Shares (funds available for lending and investments): $0. Total Share Accounts: 439,336, 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, United is your trusted partner. Visit us at 3674 Hendersonville Rd Fletcher Nc 28732 or call (888) 982-1400 to learn more about how we can help you achieve your financial goals.

Commitment to Growth

With $437,766,946 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; we have $35,348 in used auto loans and $3,047,289,259 in total loans and leases, supporting our members' financial goals across various sectors. 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 717 full-time employees and 9 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Member-Centric Approach

Members' savings are secured through $1,127,840,649 in share certificates and $745,482,943 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $250,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Foundation

With a net worth of $457,241,625, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,105 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 $527,470,537 in used vehicle loans and $85,165,461 in new vehicle loans already helping members get on the road. We provide flexible terms and quick approvals, making it easier for you to drive away in the vehicle you want.

Business Financing

For business owners, our outstanding commercial loans totaling $332,047,461 provide the capital needed to grow and expand your business. We understand that every business is unique, and we're here to support your specific needs. At United, we prioritize our members' financial well-being. If you're interested in refinancing or exploring eligibility options for any of our loan products, don't hesitate to reach out. Contact us at (888) 982-1400, or visit us at our branch located at 3674 Hendersonville Rd Fletcher Nc 28732 in Fletcher, NC. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step towards your financial future!

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $85,303,113 in loans helping members manage their finances effectively. Whether you need to consolidate debt or cover unexpected expenses, our credit card options provide financial flexibility.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $287,925,892, make buying or refinancing simple. We offer competitive rates and personalized service to guide you through the process.

Loan Aggregator

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How LendMesh Ensures 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 ensures that users receive fair and transparent offers. By relying on verified financial institutions, LendMesh prioritizes accuracy in its loan comparisons.

UNITED FEDERAL CREDIT UNION - Fletcher, NC