Universal Credit Union Huntington WV | Affordable Auto Loans & Business Banking

Introduction

Welcome to Universal Credit Union, your trusted partner in achieving financial well-being right here in Huntington, WV. Located at 317 31st St, we have been proudly serving our community since 1935. With a dedicated team of 22 employees, led by our CEO, Jason Hutchinson, and Board President, William Smith, we strive to foster a welcoming environment for all our members. At Universal, we believe in making banking personal and accessible. Our commitment is reflected in our impressive membership of 6,192 individuals who rely on us for their financial needs. With total assets amounting to an impressive $92,277,937 and total deposits of $3,367,326, we are well-equipped to support you through various financial journeys be it auto loans, mortgages, or personal banking services. While members can visit us at our branch for face-to-face assistance or use our convenient online banking services, we also ensure that official correspondence is handled seamlessly; if you need to send anything via mail, please address it to 317 31st St, Huntington, WV 25702-1417. We understand the importance of your hard-earned money and the trust you place in us. That's why we maintain a solid net worth of $12,312,738 and ensure cash in hand totaling $1,797,808 to serve our members effectively. At Universal Credit Union, every member matters. Our focus is not just on numbers but on building lasting relationships with those we serve. We invite you to experience the difference with us whether you're looking for competitive loan options or simply wish to ask questions about managing your finances better. Ready to take the next step? Call us today at 304-697-2919 or visit our website at www.universalfcu.com for more information on how we can help you achieve your financial goals!

Branch History & Mission

Community Commitment

Universal is more than just a credit union; we are deeply rooted in Huntington. Our outreach efforts include partnerships with local organizations aimed at supporting education and economic development initiatives. By reinvesting in the community, we strive to uplift those around us. As we look towards the future, we invite you to join us on this journey. Whether you're seeking personal banking solutions or business support, Universal is here for you every step of the way. Discover how membership can benefit you by visiting us or giving us a call at (304) 697-2919 today! Together, let's build a brighter financial future for our community.

Our Mission

At the heart of Universal lies our mission: to provide exceptional financial services while nurturing a sense of community. We believe that banking should be more than just transactions; it should be about building relationships. Our services range from personal banking options like checking and savings accounts to auto loans and mortgages. We also offer business banking solutions tailored for local entrepreneurs looking to thrive. We understand that accessibility is crucial for our members. That's why we provide a variety of convenient options including ATM access and drive-thru banking services for quick transactions. Our operating hours from Monday to Friday, 9:00 AM to 5:00 PM ensure you can manage your finances when it suits you best. While members can visit us at 317 31St St Huntington Wv 25702, official correspondence should be sent to 317 31st ST, Huntington, WV 25702-1417. We're committed not only to meeting your financial needs but also enhancing your experience through innovative digital solutions like online banking and mobile applications.

Branch Location & Accessibility

Additional Services

For those on the go, we also provide ATM availability right at our location. You can easily withdraw cash or check your balance without stepping inside. With services that include basic ATM access and drive-thru transactions for deposits and withdrawals, we aim to make your banking experience as smooth as possible. While members can visit us at 317 31st St for all their banking needs, official correspondence should be sent to our mailing address at 317 31st ST, Huntington, WV 25702-1417.

Convenient Access and Features

At Universal, we prioritize your convenience. Our branch offers ample parking space and is fully accessible for all members, including ADA-compliant features such as ramps and designated parking spots. If you prefer a quicker visit, take advantage of our drive-thru banking services, designed for your ease during busy days.

Get in Touch

Have questions? Feel free to reach out! You can call us at (304) 697-2919 for any inquiries or assistance. We look forward to welcoming you to Universal where your financial journey meets friendly service!

Hours That Fit Your Schedule

We understand that life can get hectic! That's why our lobby hours are set from Monday to Friday, 9:00 AM to 5:00 PM. This gives you plenty of time during the week to come in for personal banking services like checking and savings accounts, auto loans, mortgages, and more.

Member Eligibility

At Universal, we believe in creating a welcoming community where everyone can thrive. Becoming a member is not just about banking; it's about joining a supportive family that cares about your financial well-being. To become a member of our credit union, you need to meet certain eligibility criteria. Generally, if you live, work, worship, or attend school in the area around 317 31St St Huntington Wv 25702, you're likely eligible to join us! We encourage you to visit our website for the most up-to-date details on membership eligibility at . The process of opening an account with us is straightforward and friendly. You can easily start your journey by visiting the account opening section on our website, where you'll find all the guidance you need to set up your membership and enjoy all the benefits we offer. If you have any questions or need assistance, don't hesitate to give us a call at (304) 697-2919. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services That Make Sense

In addition to loans, our merchant services provide practical benefits that streamline transactions and enhance cash flow. From credit card processing to online payment solutions, we offer tools that help you manage payments effortlessly so you can focus on what you do best running your business. Located at 317 31St St Huntington Wv 25702 in Huntington, WV, we're here to help your business thrive. Reach out today at (304) 697-2919 to discover how our business banking 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 $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.

Comprehensive List Of Services

ATM and Drive-Thru Services

Need cash quickly? Our network of ATMs ensures you have access to your money when you need it most. Plus, with our basic Drive-Thru Banking, making deposits or withdrawals is as easy as pulling up in your car. At Universal, we're committed to making banking not just accessible but enjoyable. With dedicated staff ready to assist at (304) 697-2919, we invite you to visit us at our branch in Huntington, WV or explore more about what we offer by visiting our website at https://www.universalfcu.com/. Your financial journey starts here let's navigate it together!

Business Banking

For our business members, we offer comprehensive solutions including Merchant Services & Business Loans. We understand the challenges small businesses face, and our team is here to support you with customized financial solutions that foster growth.

Credit Cards and Rewards

To make everyday purchases more rewarding, consider our Credit Cards with Rewards. Earn points on your spending that can be redeemed for exciting rewards, making every dollar work harder for you.

Digital and Mobile Banking

In today's fast-paced world, convenience is key. That's why Universal provides robust Online & Mobile Banking features. You can access your accounts anytime and anywhere, manage transactions, and even send money through our Person-to-Person (P2P) service all from your smartphone or computer.

Personal Banking

Our personal banking services are designed to help you take control of your money. Whether you're looking for a simple checking account or a savings account that helps you grow your funds, we have options that fit your lifestyle. Need to make a significant purchase? Our Auto Loans & Vehicle Financing solutions make it easy for you to drive away in the car of your dreams without breaking the bank. When it comes to homeownership, we offer Mortgage Loans & Refinancing programs that simplify the process, helping you secure the best rates possible. If you're facing unexpected expenses or want to consolidate debt, our Personal Loans & Debt Consolidation services provide flexible options to suit your needs.

Digital & Online Banking

Key Features

Our online banking platform is not just about checking your balance or transferring money; it's a complete financial management tool. You can enjoy the benefits of electronic signature authorization, which makes signing documents quick and hassle-free. Plus, with e-statements available, you can keep track of your finances without the clutter of paper statements. For those who love managing their money on-the-go, our mobile application is here to help. Whether you're making person-to-person transfers or simply checking your account balance, everything is just a tap away. While we currently do not support mobile payments, our app provides all the essential features you need for effective account management right in your pocket.

Security and Accessibility

We prioritize your security with robust measures in place to protect your information while you bank online. Our user-friendly interface ensures that navigating through your accounts is straightforward, whether you're using a computer or mobile device. The ability to manage your finances in real-time means you're always updated and in control. In short, at Universal, we strive to make banking easier and more accessible for you. Join us today and discover how our digital services can enhance your banking experience!

Financial Strength

A Trusted Partner

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 317 31St St Huntington Wv 25702 or call (304) 697-2919 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.

Commitment to Growth

We take pride in having $12,312,738 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $671 in used auto loans and $31,822,242 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Efficient Operations

Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. Additionally, we have a dedicated team of 18 full-time employees and 4 part-time employees who are always ready to assist you with knowledgeable service.

Secure Savings Opportunities

Members' savings are secured through $6,076,123 in share certificates, offering stable and rewarding financial growth opportunities. Although we currently have no money market shares, our focus remains on providing the best options for our members. 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.

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 provide flexible terms and competitive interest rates that make financing your dream car easier than ever.

Credit Lines

For those who need extra funds for unexpected expenses or planned purchases, our credit lines are available with a total amount of $5,000,000. This service provides you with quick access to cash when you need it most. At Universal, we strive to make banking easy and accessible for all our members. For more information about our loan offerings or to discuss how we can assist you in achieving your financial aspirations, please visit our website at Universal FCU or call us at 304-697-2919. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $415,722, making buying or refinancing simple. We offer various plans to fit different budgets and lifestyles. Plus, if you're considering refinancing your current mortgage, our team can guide you through the eligibility options available to ensure you find the best fit.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. This can be an excellent option if you're looking for financial flexibility without collateral.

Loan Aggregator

Benefits of Using LendMesh

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Call to Action

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.*

Ensuring Accurate Loan 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 institutions, LendMesh guarantees that all information is accurate and trustworthy.

Universal