Universal Credit Union Barboursville WV | Best Auto Loans & Personal Banking

Introduction

Welcome to Universal, your trusted financial partner located at 117 Mall Rd, Barboursville, WV 25504. Established in 1935, we have been dedicated to serving our community for nearly a century, providing reliable banking solutions tailored to the needs of our members. With a strong membership base of 6,192 individuals and a commitment to fostering financial well-being, we are proud to manage total assets of $92,277,937. At Universal, we understand that every financial journey is unique. That's why we offer a range of services including personal banking options such as checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. Additionally, our business banking services support local enterprises with merchant services and business loans. We strive to make banking convenient for you with online and mobile banking options available. We pride ourselves on our community impact and member-focused approach. Under the leadership of CEO Jason Hutchinson and Board President William Smith, our dedicated team of 22 employees is here to assist you with your financial goals. Whether you're looking for guidance on loans having facilitated over 1,697 loans or seeking advice on saving strategies, we are committed to providing personalized service. For any correspondence not related to visits at our branch address, please send your inquiries to our mailing address: 117 Mall RD, Barboursville, WV 25504-1824. Feel free to reach us at (304) 697-2919 for assistance or visit us online at www.universalfcu.com to explore more about our offerings. Join us today in achieving your financial aspirations!

Branch History & Mission

At Universal, we take pride in our rich history and unwavering commitment to the community of Barboursville, WV. Since our doors opened in 1935, we've been more than just a financial institution; we've been a trusted partner in the lives of our members. Located at 117 Mall Rd, right in the heart of Barboursville, we have grown alongside our community, adapting to meet the changing needs of those we serve. Over the years, Universal has achieved significant milestones that reflect our dedication to providing exceptional service. Today, we proudly support over 6,192 members and manage total assets of approximately $92 million. Our evolution is marked by a focus on community outreach and financial empowerment. We believe that everyone deserves access to quality financial services, which is why we offer a wide range of products from personal banking and auto loans to business banking solutions. Our mission is simple yet profound: to enhance the financial well-being of our members while fostering a sense of community spirit. We understand that strong communities build strong futures. That's why we actively engage in local initiatives and partnerships aimed at improving the lives of those around us. Whether it's sponsoring local events or providing educational resources on financial literacy, Universal is committed to making a positive impact. While members can visit us at 117 Mall Rd Barboursville Wv 25504, official correspondence should be sent to 117 Mall RD, Barboursville, WV 25504-1824. Our branch operates with convenient hours Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 12 PM making it easier for you to access our services when you need them most. We also offer ATM availability and drive-thru banking for quick transactions. In today's digital world, we have embraced technology without losing sight of personalized service. From online banking and mobile applications to person-to-person payments, we ensure that your banking experience is both modern and user-friendly. We are proud of our ADA compliance efforts, ensuring accessibility for all members. Join us at Universal as we continue this journey together. Experience firsthand how we can help you achieve your financial goals while supporting the vibrant community of Barboursville. Reach out to us today at (304) 697-2919, or visit our website at Universal FCU to learn more about becoming a member!

Branch Location & Accessibility

Connect With Us

If you have any questions or would like more information about our services, feel free to call us at 304-697-2919. We invite you to stop by and discover how Universal can help you achieve your financial goals. We're here for you every step of the way!

Convenient Access and Amenities

At Universal, we pride ourselves on making banking as convenient as possible. Our branch features ample parking spaces and is equipped with ADA-compliant accessibility features to ensure everyone can visit us comfortably. If you're in a hurry, take advantage of our drive-thru service for quick deposits, withdrawals, and simple transactions without leaving your vehicle. We also offer ATM services for those who prefer handling their banking on the go.

Operating Hours That Fit Your Schedule

We understand that life gets busy! That's why our lobby hours are designed to accommodate your needs: we're open Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 12:00 PM. No matter when you choose to visit, our friendly staff is here to assist you with personal banking needs such as checking and savings accounts, auto loans, and more. While members can visit us at 117 Mall Rd, official correspondence should be sent to our mailing address at 117 Mall RD, Barboursville, WV 25504-1824.

Member Eligibility

At Universal, we believe that becoming a member means joining a close-knit community where your financial well-being is our top priority. To be eligible for membership, you simply need to live, work, or worship in the area, and we welcome individuals from all walks of life. Whether you're just starting your financial journey or looking for a supportive partner in managing your finances, we're here for you. You can easily find more details about eligibility criteria by visiting our website at . Opening an account is straightforward and designed to make you feel at home. Just reach out to us at (304) 697-2919, and our friendly staff will guide you through the process. We're located at 117 Mall Rd Barboursville Wv 25504, ready to assist you with any questions you might have. Join us today and discover the benefits of being part of the Universal family!

Business Banking & Commercial Services

Financing Your Business Dreams

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently do not have member or non-member commercial loans available, we are dedicated to building partnerships that will help you achieve your goals. Imagine having access to the right funds when you need them most whether for expanding your operations, purchasing new equipment, or managing cash flow. We aim to be that reliable partner for you.

Merchant Services That Work for You

In addition to loans, we offer merchant services that can help streamline your transactions. With tools designed to make payment processing easier, you can focus more on what matters growing your business. Whether it's enabling card payments or managing electronic transactions efficiently, we're here to support you every step of the way. If you're looking for reliable banking solutions in Barboursville, WV, visit us at 117 Mall Rd Barboursville Wv 25504 or give us a call at (304) 697-2919. Let's work together to build a prosperous future for your business!

Comprehensive List Of Services

Accessibility and Support

At Universal, we aim to make banking as easy as possible for everyone. Our basic ATM access allows for quick withdrawals and balance checks on-the-go. If you prefer speaking with someone directly, our staff is always ready to assist in person during lobby hours. With all these services designed around member needs and convenience, Universal is committed to being your trusted partner in financial well-being. Ready to explore how we can help you? Visit us today at 117 Mall Rd, call us at 304-697-2919, or check out our website at www.universalfcu.com for more details!

Business Banking Services

For local business owners, we also offer specialized Business Banking services including Merchant Services & Business Loans. Whether you're starting a new venture or looking to expand an existing one, we're here to support your growth with customized financial solutions.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking options that let you manage your accounts anytime, anywhere. Check balances, transfer funds, and pay bills right from your phone or computer. We also have an ATM & Cash Withdrawal Service available for quick access to your funds whenever you need them. Plus, enjoy the simplicity of our basic drive-thru banking for deposits and withdrawals without leaving your car.

Personal Banking Services

We understand that managing your finances is crucial, which is why we offer Personal Banking services tailored just for you. Whether you're looking to open a checking or savings account, we've got options that fit your lifestyle. Our accounts come with features designed to make banking easy and accessible. Need a new vehicle? Our Auto Loans & Vehicle Financing options are here to help you hit the road without breaking the bank. We work hard to offer competitive rates so you can drive off in the car you've always wanted. When it comes time for big purchases like a home, our Mortgage Loans & Refinancing services ensure you have access to the funding you need. We guide you through each step of the process, making it straightforward and stress-free. If you're facing unexpected expenses or want to consolidate debt, our Personal Loans & Debt Consolidation services provide flexible solutions tailored for your situation. And don't forget about our Credit Cards with Rewards, which allow you to earn points on every purchase perfect for those who love getting something back!

Digital & Online Banking

Key Features of Our Online Banking

Visit us online at https://www.universalfcu.com/ to explore a range of services designed to put you in control. With our 24/7 online banking, you can check balances, pay bills, and transfer funds anytime, anywhere. This means no more rushing to the branch before closing time; your bank is always open! For those who prefer paperless options, we offer e-statements so you can view your account statements digitally. This not only helps you stay organized but also contributes to a greener environment. If you're looking for quick ways to send money, our person-to-person transfer feature makes it simple to send funds to friends or family instantly.

Security and Convenience

Your security is our top priority. With electronic signature authorization available, signing documents online is both safe and straightforward. Plus, our user-friendly mobile application allows you to manage your accounts right from your smartphone, giving you the freedom to handle banking tasks wherever life takes you. While mobile payments are not currently offered at Universal, our commitment to providing an excellent digital experience remains strong. You'll find everything you need within our app or through online banking, ensuring that accessing your accounts is easy and hassle-free. At Universal, we are dedicated to making banking accessible for everyone. Join us in embracing the future of finance where your bank fits right in your pocket!

Financial Strength

Growing Membership Base

Total Share Accounts stand at 11,924, showing a strong and growing member base that trusts us with their finances. With net shares amounting to $777,964, we have ample funds available for lending and investments. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Universal is your trusted partner. Visit us at 117 Mall Rd Barboursville Wv 25504 or call (304) 697-2919 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Members' savings are secured through $6,076,123 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. Although we do not have non-member deposits at this time, this focus allows us to ensure that our resources benefit you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

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 18 full-time employees and 4 part-time employees who are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $12,312,738 in undivided earnings, we reinvest in innovative banking tools and stronger lending options. This commitment enhances security measures to serve our members better. Our lending capacity is robust as well, with $671 in used auto loans and $31,822,242 in total loans and leases available to support your financial goals across various sectors.

Strong Financial Health

With a net worth of $12,312,738, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,334 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 $11,364,745 in used vehicle loans and $9,878,084 in new vehicle loans already helping members get on the road. We cater to both new and used vehicles, making it easier for you to find the right financing option.

Credit Lines

For those who prefer a more versatile approach to borrowing, our credit lines total $5,000,000. This gives you the freedom to access funds as needed without having to reapply each time. At Universal, our goal is not just to provide loans but to support our members in achieving their financial dreams. If you're considering refinancing or want more information on eligibility options for any of our products, feel free to reach out. You can contact us at 304-697-2919 or visit us at 117 Mall Rd Barboursville WV 25504. 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 toward financial success!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $415,722, make buying or refinancing simple. We can guide you through the process and help you understand eligibility options that may be available.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. This option provides a reliable way to handle purchases while avoiding high-interest rates.

Loan Aggregator

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Universal