University of VA Community Credit Union Charlottesville VA | Low Mortgage Rates & Business Banking

Introduction

Welcome to the University Of Va Community Cu, your trusted financial partner since 1954! Located at 1018 W Main St, Charlottesville, VA 22903, we have proudly served our community for nearly seven decades, providing a wide array of financial services tailored to meet your needs. With over 82,000 members and a solid commitment to helping you achieve your financial goals, we are dedicated to fostering a supportive and vibrant community. At our branch, you'll find that we manage an impressive $1.5 billion in total assets and maintain robust total deposits of $180,312,455. Our strength lies in our focus on you the member offering personal banking options like checking and savings accounts, auto loans, mortgage refinancing, credit cards with rewards, and much more. We are here to ensure that your money works as hard as you do! Under the leadership of CEO Susan Gruber and Board President Pamela Higgins, we strive to provide exceptional service while maintaining a strong net worth of $149,992,869. Our dedicated team of 252 employees is always ready to assist you with any questions or concerns you may have. While members can visit us at our main branch location, official correspondence should be sent to the same address: 1018 W Main St, Charlottesville, VA 22903-2820. Whether you're looking for loans or seeking advice on managing your finances effectively, we're here for you every step of the way. Feel free to reach out by calling us at 434-964-2001 or visit our website at http://www.uvacreditunion.org to learn more about how we can help you thrive financially. Join us today and experience the difference of being part of a community-focused credit union!

Branch History & Mission

Commitment to Innovation

As part of our commitment to serving you better, we embrace digital advancements that make banking more convenient. With features like online banking, mobile payments, and electronic statements, managing your finances has never been easier. We also ensure accessibility for all by being compliant with ADA standards.

Community Engagement

Our branch actively engages in community outreach initiatives that aim to uplift those around us. Through sponsorships and volunteer programs, we strive not just to be a financial institution but a partner in progress for Charlottesville. We invite you to join our growing family at University Of Va Community Cu. Experience firsthand how we can help you achieve your financial goals while making a positive impact in our community together! For more information or assistance, feel free to call us at 434-964-2001 during our lobby hours: Monday through Thursday from 9 am to 5 pm and Friday from 9 am to 6 pm. Join us today and discover the difference a dedicated credit union can make in your life!

Our Journey

The story of University Of Va Community Cu began with a vision to provide accessible financial services tailored to the needs of our members. From humble beginnings, we have evolved into a trusted institution that prioritizes member satisfaction and community welfare. Throughout the years, we have expanded our services to include personal banking, auto loans, mortgages, and business banking solutions. Our branch has adapted to changing times while holding true to our mission: to empower individuals and families through sound financial guidance and support. We are proud of our contributions to the community, such as partnerships with local organizations that enhance educational opportunities and promote economic development.

Our Mission

Our mission is simple yet profound: we aim to improve the lives of our members by offering comprehensive financial services combined with a strong commitment to community involvement. We believe in fostering relationships built on trust and transparency. Whether it's helping you secure your first home or providing resources for your small business, we're here to guide you every step of the way. While members can visit us at 1018 W Main St, official correspondence should be sent to 1018 W Main St, Charlottesville, VA 22903-2820.

Branch Location & Accessibility

Operating Hours

We understand that life can be busy, which is why our lobby hours are designed with your convenience in mind. Join us Monday through Thursday from 9 AM to 5 PM and on Friday until 6 PM. Whether you need help with checking accounts, auto loans, or credit cards, our friendly staff is ready to assist you during these hours.

Services Offered

At University Of Va Community Cu, we offer a range of services tailored to meet your financial needs. From personal banking options such as checking and savings accounts to auto financing and mortgage loans, we've got you covered. Plus, our online and mobile banking services provide flexibility so you can manage your finances anytime, anywhere. While we currently do not have ATM or drive-thru services available at this location, our dedicated team is always here to help with any transactions you may need. If you have any questions or would like more information about what we offer, please don't hesitate to reach out at 434-964-2001. We're excited to welcome you to our branch soon!

Member Eligibility

Becoming a member of University Of Va Community Cu feels like joining a welcoming family dedicated to supporting your financial journey. If you're looking to become part of our community, the process is straightforward and designed with you in mind. To be eligible, you simply need to live, work, or attend school in the areas we serve. We love fostering connections with our members, which is why we focus on bringing together people who share similar roots and values. Plus, by joining us at University Of Va Community Cu, you unlock access to a range of benefits such as personalized service, competitive rates on loans, and various financial products tailored just for you. Ready to take the next step? Opening an account is quick and easy! For more details on eligibility criteria, feel free to visit our website at . If you have any questions or need assistance, don't hesitate to give us a call at (434) 964-2001. Our friendly team is here to help you every step of the way!

Business Banking & Commercial Services

Business Loans That Empower Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $121 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $34 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $71,186,234, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Everyday Needs

In addition to our loan offerings, we provide comprehensive merchant services designed to streamline your operations. Imagine effortlessly processing payments from customers with user-friendly point-of-sale systems or quickly accessing funds through mobile payment options. Our services not only enhance your customer experience but also give you more time to focus on what matters growing your business. Join us at University Of Va Community Cu and discover how our dedicated team can partner with you on your journey to success! For inquiries, call us at (434) 964-2001.

Comprehensive List Of Services

Convenient Access Anytime

Accessibility is key in today's fast-paced world. That's why we ensure that all our members can take advantage of our digital banking features like mobile payments and person-to-person transfers. You'll have everything you need right at your fingertips. At University Of Va Community Cu, we're dedicated to providing comprehensive financial services that cater not only to individuals but also to businesses in our community. For more information about any of these services or if you'd like assistance with anything else, don't hesitate to reach out! Call us at (434) 964-2001, or visit us in person at 1018 W Main St Charlottesville Va 22903. Join us today and experience how easy banking can be!

Financing Your Dreams

If you're considering a new car or need to upgrade your current one, our Auto Loans & Vehicle Financing options are here to help. We understand that purchasing a vehicle can be overwhelming, so we provide competitive rates and flexible terms to fit your budget. Whether you're buying new or used, we'll guide you through the process. For those looking to purchase their first home or refinance an existing mortgage, our Mortgage Loans & Refinancing services are designed to make homeownership achievable. Our experienced team will assist you every step of the way, ensuring you find the best mortgage solution for your situation.

Personal Banking Made Easy

Managing your finances should be straightforward and accessible. That's why we offer a variety of Personal Banking services, including checking and savings accounts that help you keep track of your money effortlessly. Imagine having a checking account that works for you, with no hidden fees and easy online access. With our Online & Mobile Banking, you can check your balances, pay bills, and transfer funds from anywhere at any time.

Solutions for Everyday Needs

Sometimes life throws unexpected expenses your way. Our Personal Loans & Debt Consolidation options can provide the financial relief you need when it matters most. Whether it's for medical bills or home repairs, we're here to help ease your burden. Additionally, if you're looking to earn rewards while managing your spending, consider our Credit Cards with Rewards program. Enjoy perks that come with using your card responsibly.

Supporting Local Businesses

For entrepreneurs and local businesses, we offer specialized Business Banking services which include merchant services and business loans designed to support growth and success in the community. We believe that supporting local businesses strengthens our community as a whole.

Digital & Online Banking

A Banking Experience Tailored for You

Our goal is to make your banking experience as simple and efficient as possible. With real-time account management tools and easy navigation on our website and app, you'll spend less time worrying about transactions and more time enjoying life. From e-statements to convenient payment options, every feature is designed with your needs in mind. Experience the ease of modern banking at University Of Va Community Cu where convenience meets security. Visit us today at http://www.uvacreditunion.org to learn more about how our digital banking services can enhance your financial journey!

Key Services Available

With our user-friendly online banking platform, accessible at http://www.uvacreditunion.org , you can check your balance, transfer funds, and pay bills all from the comfort of your home or while you're out and about. Our 24/7 online banking services ensure that you have access whenever you need it, making late-night transactions or early-morning budgeting a breeze. For those who prefer using their smartphones, our mobile application makes banking even more straightforward. With features like mobile payments and person-to-person transfers, sending money to friends or making purchases is just a tap away. Plus, you can receive e-statements directly to your inbox no more waiting for paper statements in the mail! Security is always a priority at University Of Va Community Cu. Our electronic signature authorization means you can complete important transactions securely without needing to visit a branch. This added layer of protection gives you peace of mind as you manage your accounts online.

Financial Strength

Growing Trust Among Members

Total Share Accounts stand at 169,251, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $0, further demonstrating our commitment to providing robust financial solutions. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, University Of Va Community Cu is your trusted partner. Visit us at 1018 W Main St Charlottesville Va 22903 or call (434) 964-2001 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $306,124,370 in share certificates and $301,094,077 in money market shares, 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.

Operational Efficiency

Our performance is reflected in our $0, which showcases our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 249 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $145,421,637 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 with $11,542 in used auto loans and $862,498,359 in total loans and leases.

Strong Financial Health

With a net worth of $149,992,869, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,018 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 $228,649,757 in used vehicle loans and $138,334,132 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used option, we have flexible terms to suit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $71,186,234 provide the capital needed to grow and expand your business. We work closely with local businesses to provide tailored solutions that meet their specific financial needs. At University Of Va Community Cu, we prioritize transparency and customer service. If you're considering refinancing or want to explore eligibility options for any of our loan products, feel free to reach out for personalized assistance. You can contact us at (434) 964-2001 or visit us at our branch located at 1018 W Main St Charlottesville Va 22903. 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're here to help you navigate your financial journey every step of the way!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $64,556,652, make buying or refinancing simple. We guide you through each step of the process, ensuring you have the support you need to make informed decisions.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $35,484,632 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits that can help you save while spending.

Loan Aggregator

Benefits of Using LendMesh

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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 means that users receive fair and transparent offers, allowing them to make informed decisions without worrying about hidden fees or misleading information.

UNIVERSITY OF VA COMMUNITY CREDIT UNION