Universal Credit Union Huntington WV | Quick Personal Loans & ATM Services

Introduction

Welcome to Universal, your trusted financial partner in Huntington, WV. Located at 2828 1St Ave Ste 103, our branch has proudly served the community since 1935. With a strong commitment to our members, we currently support over 6,192 individuals and families who rely on us for their banking needs. At Universal, we understand that financial well-being is about more than just numbers it's about people. Our total assets exceed $92 million, which reflects our stability and ability to offer you a variety of services tailored to meet your unique needs. Whether you're looking for personal banking options like checking and savings accounts, auto loans, or credit cards with rewards, we're here to help you make the most of your financial journey. Led by our dedicated CEO, Jason Hutchinson, and Board President William Smith, our team of 22 employees works tirelessly to ensure you receive top-notch service every time you visit or call us at 304-526-1047. We are proud to maintain a net worth of over $12 million and have total deposits reaching approximately $3.4 million. While members can visit us at our convenient location in Huntington, official correspondence should be sent directly to the same address listed above. With a focus on community impact and member satisfaction, we continually strive to improve our offerings and support local initiatives. Join us at Universal Credit Union today! Explore how we can assist you with loans totaling 1,697 or help manage your finances effectively through our online and mobile banking services available at universalfcu.com. Your journey towards financial empowerment starts here!

Branch History & Mission

At Universal, located in the heart of Huntington, West Virginia, our story begins in 1935. Over the decades, we have grown from a small credit union serving a handful of members to a thriving community institution with over 6,192 members and total assets amounting to $92,277,937. We are proud to call 2828 1St Ave Ste 103 Huntington, WV 25702 our home, where generations of families have turned to us for their financial needs. From our early days, we have remained committed to our mission: to provide exceptional financial services that empower our members while supporting the local community. Our team works diligently to ensure that everyone has access to quality banking options. We offer personal banking services including checking and savings accounts, auto loans, mortgages, and much more tailored to meet your unique needs. Universal's mission is deeply rooted in community support. We believe that when our members thrive, so does our community. Whether it's through financial education programs or partnerships with local organizations, we strive to make a positive impact every day. Our efforts extend beyond just banking; we engage actively in outreach initiatives designed to uplift those around us. As we embrace modern advancements, we've made significant strides in digital banking. Members can enjoy the convenience of online banking and mobile applications for easy access to their accounts anytime, anywhere. With ADA compliance at the forefront of our operations, we ensure that all members feel welcome and valued. While you can visit us at our branch location for personalized service during our operating hours from Monday to Friday, 9:30 AM to 5:00 PM, we are also here for official correspondence should you need it just let us know if you'd like further details on that. We invite you to become part of our legacy at Universal. Join us today and experience firsthand how we're dedicated not only to your financial success but also to enriching the community we all cherish. Reach out at (304) 526-1047 or visit us at our website for more information!

Branch Location & Accessibility

Convenient Access

Situated near local landmarks, our branch is just a short drive from popular spots in Huntington, making it a convenient stop for your banking needs. With ample parking available, you can quickly pop in without hassle. We ensure that everyone can visit us comfortably; our facility is equipped with ADA-compliant features, including ramps for easy entry.

Get in Touch

We invite you to come by and experience the friendly atmosphere at Universal's Huntington branch! If you have any questions or need assistance before your visit, feel free to call us at (304) 526-1047. We look forward to helping you achieve your financial goals!

Operating Hours and Services

At Universal, we value your time. Our lobby hours are designed to fit your busy schedule, open Monday through Friday from 9:30 AM to 5:00 PM. Our friendly staff is always ready to assist you with a range of services including checking and savings accounts, auto loans, mortgage options, personal loans, and credit cards with rewards. Though we currently do not offer ATM services or drive-thru banking, our dedicated team is here to provide personalized service during your visit. While members can visit us at 2828 1St Ave Ste 103 Huntington Wv 25702, official correspondence should be sent to the same address as there is no separate mailing address available.

Member Eligibility

At Universal, we believe that everyone deserves a supportive financial community, and becoming a member is as easy as pie! If you're living, working, worshiping, or attending school in the Huntington area or surrounding regions, you're likely eligible to join us. We welcome individuals who share our commitment to financial growth and well-being. Plus, membership brings fantastic benefits like personalized service, competitive rates on loans and savings, and access to various financial resources tailored just for you. Ready to take the next step? Opening an account at Universal is simple! Just swing by our branch located at 2828 1St Ave Ste 103 Huntington Wv 25702 or give us a call at (304) 526-1047 for more information. For detailed eligibility criteria, feel free to check out this link: Eligibility Details. We can't wait to welcome you into our family!

Business Banking & Commercial Services

Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently don't have specific figures for member or non-member commercial loans, we are passionate about offering flexible financing options when they become available.

Merchant Services

Imagine having the ability to process payments effortlessly while serving your customers efficiently. Our merchant services allow you to accept various payment methods, enhancing customer satisfaction and boosting sales. Whether you're a small local shop or a larger enterprise, our solutions are designed to fit your needs. With our location at 2828 1St Ave Ste 103 Huntington Wv 25702 in Huntington, WV, we invite you to connect with us and explore how we can support your business goals. For inquiries, feel free to call us at (304) 526-1047 during our lobby hours from 9:30 AM to 5:00 PM, Monday through Friday. Let's grow together!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing options make it simple for you to get behind the wheel without breaking the bank. With competitive rates and flexible terms, we're here to help make your dream of owning a vehicle a reality.

Business Banking

For those venturing into entrepreneurship, Universal offers business banking solutions that include merchant services and business loans. We believe in supporting local businesses because when they thrive, our community flourishes too!

Credit Cards with Rewards

Our credit cards come with rewards that make every purchase more rewarding! Whether you're looking for cashback on groceries or travel points for that upcoming vacation, our credit card options provide benefits that align with your lifestyle.

Digital Banking Features

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking features. With e-statements available and person-to-person payment options, managing your finances has never been easier. Plus, with electronic signature authentication, you can complete transactions securely without needing to visit us in person. At Universal, we pride ourselves on making banking accessible and straightforward for everyone in Huntington, WV. No matter what service you choose, rest assured that our friendly staff is here to assist you every day from Monday to Friday between 9:30 AM and 5:00 PM. Ready to take the next step? Visit us at 2828 1St Ave Ste 103 Huntington Wv 25702 or explore more about our services at Universal FCU. We look forward to helping you achieve all your financial goals!

Mortgage Loans & Refinancing

When it's time to purchase a home or refinance your current mortgage, Universal has got you covered. Our mortgage loans are designed to fit various budgets and lifestyles. Imagine enjoying lower monthly payments or taking cash out for home improvements our team is ready to guide you through the entire process.

Personal Banking

Whether you're just starting out or planning for the future, our personal banking services are designed to meet your needs. We offer checking and savings accounts that help you manage your daily finances effortlessly. Imagine having a secure place for your funds, coupled with easy access through our online and mobile banking platforms. You can check your balance, transfer money, and pay bills from the comfort of your home or on the go.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or looking to consolidate debt, our personal loans can provide the relief you need. We work with you to find a solution that suits your financial situation, helping you regain control over your finances.

Digital & Online Banking

Key Services

With just a few clicks at https://www.universalfcu.com/, you can take advantage of our online banking services. Whether you're checking your balance, transferring funds, or paying bills, our 24/7 online banking allows you to handle all your financial needs from the comfort of your home or on the go. We also offer electronic signature authorization, making it simple for you to sign documents without needing to visit a branch. This feature enhances convenience while ensuring that your transactions remain secure. Plus, with e-statements available, you can keep track of your finances without the clutter of paper statements.

Mobile Banking at Your Fingertips

For those who prefer banking on their smartphones, our mobile application provides an easy way to manage your accounts. With features like person-to-person transfers, sending money to friends and family has never been more straightforward. While we currently do not support mobile payments, our app is packed with tools to help you stay in control of your finances. Our commitment to security means that all transactions are protected with advanced security measures so you can bank confidently. Whether you're checking balances or transferring money between accounts, rest assured that your information is safe. Experience the convenience of digital banking with Universal today! Access all these features and more by visiting https://www.universalfcu.com/. Your financial well-being is just a click away!

Financial Strength

Commitment to Growth

With $12,312,738 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $6,710 in used auto loans and $31,822,242 in total loans and leases.

Conclusion

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 2828 1St Ave Ste 103 Huntington WV 25702 or call 304-526-1047 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our net income of $0 reflects our operational efficiency during these challenging times. We also take pride in having 18 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. With 11,924 total share accounts, we show a strong and growing member base that trusts us with their finances.

Secure Savings Opportunities

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. 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.

Solid 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 13.34% 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. Whether you're eyeing a brand-new model or a reliable used vehicle, our competitive rates and flexible terms make it easier for you to drive away satisfied.

Credit Lines

If you're looking for a safety net or additional purchasing power, our total credit lines amount to $5,000,000. This resource can help you cover unexpected expenses or seize opportunities without straining your budget. At Universal, we prioritize transparency and understanding when it comes to borrowing. We encourage potential borrowers to explore refinancing options and check eligibility criteria that may be available for various loan products. For more information or assistance with your loan application process, feel free to contact us at 304-526-1047. Our team is ready to help you navigate your financial journey with confidence. 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, including Junior Lien 1-4 Family Residential Properties loans totaling $415,722, make buying or refinancing simple. We provide personalized support throughout the process to ensure you find the right mortgage solution tailored to your financial situation.

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 option allows you to maintain control over your spending while earning rewards on everyday purchases.

Loan Aggregator

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Universal