United Credit Union Flat Rock NC | Affordable Auto Loans & Business Banking

Introduction

Welcome to United at our Flat Rock Loan Office, your trusted partner in financial growth and community support. Located at 2780 Greenville Hwy, Flat Rock, NC 28731, we have been serving our members since 1949, building a legacy of trust and reliability. Our commitment to you is reflected in our impressive total assets of $4,127,673,172 and a strong membership base of 192,997 dedicated individuals who rely on us for their banking needs. While members can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 125, St Joseph, MI 49085. With a robust portfolio that includes over 111,125 loans and leases and total deposits amounting to $301,665,562, we are well-equipped to help you achieve your financial goals. At United, we pride ourselves on providing exceptional service tailored to the needs of our community. Under the leadership of CEO Terry O'Rourke and Board President Troy Tolle, our team of 726 employees is here to assist you with everything from personal banking solutions like checking and savings accounts to auto loans and business services. Our dedication extends beyond just numbers; it's about making a positive impact in the lives of our members. Whether you're looking for advice on mortgages or exploring new credit card options with rewards, we are here for you every step of the way. Ready to take control of your finances? Give us a call at 269-982-1400 or visit us online at unitedfcu.com to learn more about how we can assist you today!

Branch History & Mission

Welcome to United, a proud branch of the community since 1949. Located at 2780 Greenville Hwy in Flat Rock, NC, our journey began with a simple mission: to provide accessible financial services that empower individuals and strengthen communities. Over the years, we have grown significantly, now serving nearly 193,000 members with total assets reaching an impressive $4,127,673,172. From our humble beginnings, United has always been about more than just banking. Our commitment to our members is reflected in our diverse range of services, including personal and business banking options, auto loans, mortgages, and credit cards with rewards. As we adapted to changing times and technology, we introduced online and mobile banking features to make managing finances easier for everyone. Our mission is clear: we strive to enhance the financial well-being of our members while actively supporting the local community. We believe that when our members thrive, so does our community. Whether it's through sponsorships of local events or partnerships with organizations that uplift those in need, United is dedicated to giving back. While you can visit us at 2780 Greenville Hwy Flat Rock Nc 28731, official correspondence should be sent to PO Box 125 in St Joseph, MI. Our operating hours are Monday through Friday from 9 AM to 5 PM by appointment only. Although we do not offer ATM or drive-thru services at this location, we ensure that all your banking needs are met with personalized attention. At United, we believe in creating a welcoming environment for everyone. We are ADA compliant and committed to providing exceptional service tailored to each member's unique needs. Our team is here to help you navigate your financial journey with confidence and support. Join us today at United and discover the benefits of being part of a credit union that truly cares about its members and the community. Experience firsthand how we can help you achieve your financial goals while contributing positively to Flat Rock and beyond! If you have questions or want more information, feel free to call us at (269) 982-1400. Your future starts here!

Branch Location & Accessibility

Convenient Access

While our main address is 2780 Greenville Hwy, official correspondence can be sent to our mailing address at PO Box 125, St Joseph, MI 49085 if needed. Our branch is situated in Henderson County, an area known for its beautiful scenery and friendly community vibe. You'll appreciate the ample parking available right outside the entrance, making it simple to visit us whenever you need assistance. Plus, we are committed to accessibility with features that ensure everyone can enjoy our services comfortably.

Operating Hours

Our lobby hours are designed to fit your busy schedule. We're open Monday through Friday from 9 AM to 5 PM by appointment only. This allows us to provide you with personalized service tailored to your needs. If you have any questions about your accounts or services, feel free to call us at 269-982-1400 during these hours.

Services Offered

At United, we offer a wide range of financial services that include personal banking options like checking and savings accounts, auto loans, mortgage loans, and even business banking solutions. Whether you're looking for a new credit card with rewards or need assistance with debt consolidation, our team is here to help every step of the way. We also prioritize convenience through online and mobile banking options so that you can manage your finances anytime, anywhere.

Visit Us Today!

We invite you to stop by and experience the friendly atmosphere of United. Our dedicated staff looks forward to helping you with all your banking needs. Don't hesitate to reach out or drop in; we're here for you!

Member Eligibility

At United, we believe that everyone deserves the chance to be part of a welcoming and supportive community. Joining us is easy! If you live, work, or worship in the areas we serve, you're likely eligible to become a member. This includes anyone who has family members who are already part of our credit union. The benefits of membership are significant; from competitive loan rates to personalized service, we're here to help you achieve your financial goals. To get started on your journey with us, simply check out the detailed eligibility criteria at https://www.unitedfcu.com/products-and-services/banking/savings-accounts/membership-savings-account. Once you're ready, you can open an account easily through our online platform at https://online.unitedfcu.com/unitedfederalcredituniononline/sdk/autoenrollmente2e/forgotlogin or give us a call at (269) 982-1400 if you have any questions. We can't wait to welcome you to our family at 2780 Greenville Hwy Flat Rock Nc 28731!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine running a busy café; you need a reliable payment system that allows customers to pay easily while keeping your cash flow steady. Our merchant services offer just that. From point-of-sale systems to online payment processing, we help you manage transactions smoothly and efficiently, so you can focus on what you do best growing your business. Visit us at 2780 Greenville Hwy Flat Rock Nc 28731 or call us at (269) 982-1400 to learn how our business banking and commercial services can empower your success!

Tailored Loan Options

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.

Comprehensive List Of Services

Accessibility & Convenience

At Flat Rock Loan Office, we prioritize making banking easy and accessible for everyone. With features like ATM and cash withdrawal services, along with robust online capabilities such as mobile payments and person-to-person transfers, managing your money has never been simpler. We invite you to explore all that we offer at United by visiting us at 2780 Greenville Hwy Flat Rock Nc 28731 or giving us a call at (269) 982-1400. Let's work together on your financial journey!

Auto Loans & Vehicle Financing

If you're considering purchasing a new car or refinancing an existing loan, our auto loans and vehicle financing options can help get you on the road with competitive rates and flexible terms. Picture yourself driving off in your dream car while enjoying manageable monthly payments that fit your budget.

Business Banking

For small business owners, our business banking services, including merchant services and business loans, are crafted to support your growth. We know how hard you work for your success, so let us partner with you in achieving your business goals.

Credit Cards with Rewards

We also offer credit cards with rewards that give back every time you spend. Whether you're using it for everyday purchases or special occasions, earning points can lead to exciting rewards like travel perks or cash back. It's our way of saying thank you for choosing us.

Mortgage Loans & Refinancing

For homeowners or those looking to buy their first home, we provide various mortgage loans and refinancing options. We understand that securing a mortgage is a significant step, so our team is here to guide you through each part of the process. With personalized service, we aim to make the experience as smooth as possible.

Personal Banking

For those interested in personal banking, we offer checking and savings accounts that help you manage your day-to-day finances while earning interest on your savings. Imagine easily accessing your funds through our online and mobile banking platforms, which allow you to check balances, transfer money, and pay bills right from your smartphone.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. Our personal loans are here to help you cover those costs or consolidate existing debt into one easy payment. Think of how much easier it would be to handle your finances when everything is streamlined into a single loan.

Digital & Online Banking

At United, we understand that managing your finances should be easy and secure, no matter where you are. Our digital and online banking services offer you the convenience of handling your banking needs from the comfort of your home or on the go. With our 24/7 online banking services, available at https://unitedfcu.com/, you can access your accounts anytime. Whether you want to check your balance, transfer funds, or pay bills, everything is just a few clicks away. You also have the option for e-statements, which allow you to view your account statements electronically saving paper and making it easier to keep track of your finances. Our user-friendly mobile application brings all these features right to your fingertips. Need to send money to a friend? Use our person-to-person transfers feature for quick and easy transactions. Plus, if you're on the move, our mobile payments option lets you make purchases directly from your smartphone. Security is a top priority at United. That's why we offer electronic signature authorization, allowing you to sign documents securely online without any hassle. This means you can complete transactions quickly while still keeping your information safe. At United, we're dedicated to providing a banking experience that fits your lifestyle. Enjoy real-time account management with our digital services and take control of your finances today! For more information or to get started, visit us at https://unitedfcu.com/.

Financial Strength

At United, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to highlight our robust financial strength, which reflects our commitment to serving you well. 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 110.5% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. 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. 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 also impressive; with $35,348 in used auto loans and a total of $3,047,289,259 in loans and leases, we support members' financial goals across various sectors. Our operational efficiency is evident with a net income of $0, reflecting our ability to manage resources effectively while still providing excellent service. 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. Total Share and Deposit Accounts stand at an impressive 439,336, showcasing 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 2780 Greenville Hwy Flat Rock NC 28731 or call 269-982-1400 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.

Loan Offering

Additional Services

If you're considering refinancing your current loans or exploring eligibility options, our team is here to assist you every step of the way. We aim to make financing straightforward and accessible for all members. For more information about our loan offerings or to start an application, feel free to contact us at (269) 982-1400 or visit us at our branch located at 2780 Greenville Hwy Flat Rock Nc 28731 in Flat Rock, 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. We look forward to helping you on your financial journey!

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. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have options that fit your budget and lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $332,047,461 provide the capital needed to grow and expand. We believe that supporting local businesses strengthens our community as a whole.

Credit Lines and Personal Loans

For those needing extra flexibility, we offer credit lines totaling $1,074,727,648, allowing you to access funds when needed without the hassle of applying for multiple loans. Additionally, our unsecured credit card loans amounting to $85,303,113 help our members manage their finances effectively while enjoying rewards and benefits.

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 provide guidance throughout the process to ensure you find the right loan for your needs.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and reliability, LendMesh aims to empower users with accurate information. LendMesh ensures accurate loan comparisons by sourcing data 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 to verified data guarantees that users receive fair and transparent offers tailored to their needs. One of the standout features of LendMesh is its commitment to verified data. All loan offers come from legitimate financial institutions, ensuring that users can trust the information they receive. Additionally, LendMesh prides itself on having no sponsored listings. Unlike other platforms that may prioritize lenders based on paid promotions, LendMesh focuses solely on providing unbiased results that reflect the best options available. With real-time rate comparisons from multiple institutions, LendMesh helps users make informed decisions. Users can expect up-to-date loan rates that reflect current market conditions, making it easier to find a loan that suits their financial situation. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback reinforces the platform's reliability and effectiveness in helping individuals navigate their loan options. 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.

United

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Student Loans

Introduction

Branch History & Mission

Branch Location & Accessibility

Convenient Access

Operating Hours

Services Offered

Visit Us Today!

Member Eligibility

Business Banking & Commercial Services

Merchant Services That Matter

Tailored Loan Options

Comprehensive List Of Services

Accessibility & Convenience

Auto Loans & Vehicle Financing

Business Banking

Credit Cards with Rewards

Mortgage Loans & Refinancing

Personal Banking

Personal Loans & Debt Consolidation

Digital & Online Banking

Financial Strength

Loan Offering

Additional Services

Auto Loans

Business Loans

Credit Lines and Personal Loans

Mortgage Loans

Loan Aggregator

Join Our Community