Upstate Credit Union Honea Path SC | Affordable Vehicle Loans & ATM Access

Introduction

Welcome to Upstate, where community and financial well-being come together! Located at 430 N Main St, Honea Path, SC 29654, our branch has been serving members since 1965. With a proud history and a commitment to our local community, we have grown to serve over 16,200 members and manage total assets of $144,169,102. At Upstate, we understand that your financial needs are as unique as you are. That's why we offer a variety of services, including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Our dedicated team of 58 employees, led by CEO Donna Metz and Board President Gregory Silver, is here to ensure that you receive the best possible service. While members can visit us at our main location in Honea Path, official correspondence should be sent to the same address: 430 N Main St, Honea Path, SC 29654-1440. We invite you to explore what makes Upstate special. With total deposits exceeding $15,021,421 and robust loan offerings totaling 8,545, we are well-equipped to support your financial goals. Our branch features convenient services like online banking and mobile payments to make managing your finances easier than ever. Feel free to reach out at 864-369-0095 or visit our website at Upstate for more information. Join us in making your financial dreams a reality because at Upstate, you're not just a member; you're part of our family!

Branch History & Mission

Community Focus

Our commitment extends into the heart of Honea Path and surrounding areas. We actively participate in local events and support initiatives that uplift the community. By partnering with local organizations and schools, we contribute not only financially but also by fostering a spirit of collaboration aimed at creating opportunities for all. While you can visit us at 430 N Main St for your banking needs, please note that official correspondence should be sent to our mailing address: 430 N Main St, Honea Path, SC 29654-1440. As we look ahead to the future, we invite you to join us on this journey. Experience the benefits of being part of Upstate Credit Union where your financial success is our priority. For any questions or assistance, feel free to reach out at 864-369-0095 or visit us online at upstatefcu.org. Together, let's build a brighter future for you and your family!

Our Mission

At Upstate, our mission is clear: we strive to empower our members by offering exceptional financial services that enhance their lives and strengthen our community. We believe that everyone deserves access to affordable banking solutions tailored to their needs. Whether it's through personal checking accounts, auto loans, or mortgage refinancing, we are dedicated to helping our members achieve their financial goals. We understand that modern banking goes beyond traditional transactions. That's why we've embraced technology to provide digital banking options such as online and mobile banking, making it easier than ever for our members to manage their finances anytime and anywhere. Additionally, with features like ATM access and drive-thru service available at our branch, convenience remains at the forefront of what we do.

Branch Location & Accessibility

Banking Services Tailored for You

Our Honea Path Branch offers a wide range of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, with an ATM available on-site and convenient drive-thru banking for deposits and withdrawals, managing your finances has never been easier. If you have any questions or want more information about our services, don't hesitate to give us a call at 864-369-0095. We look forward to welcoming you into our branch soon!

Convenient Operating Hours

We understand that life can get busy, which is why our operating hours are designed to fit your schedule. Visit us on Monday, Tuesday, and Thursday from 8:00 a.m. to 5:00 p.m., or stop by on Wednesday when our lobby opens at 9:00 a.m. and remains available until 5:00 p.m. For those who need some extra time on Fridays, we're here until 5:30 p.m.

Our Accessibility Features

At Upstate, we believe that everyone should have access to financial services. Our branch is designed with accessibility in mind, featuring ADA-compliant ramps and spacious parking options. Whether you prefer coming inside or using our drive-thru service, we strive to make your experience comfortable and efficient.

Member Eligibility

Becoming a member of Upstate feels like joining a friendly community where your financial well-being is our top priority. If you're wondering whether you can join us, the good news is that eligibility is open to anyone who lives, works, worships, or attends school in the Honea Path area. This inclusive approach ensures that our services are accessible to everyone looking for a supportive financial partner. Plus, as a member of Upstate, you'll enjoy personalized service and benefits tailored to help you achieve your financial goals. Opening an account with us is easy! You can find all the details on how to get started by visiting our website at . If you have any questions or need assistance along the way, feel free to give us a call at (864) 369-0095. We can't wait to welcome you into our Upstate family!

Business Banking & Commercial Services

Lending Options That Empower Growth

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.

Merchant Services Tailored for You

Imagine having a reliable payment processing system that makes transactions smoother for you and your customers. Our merchant services offer easy solutions to handle payments efficiently, allowing you to focus on what you do best running your business. Located at 430 N Main St Honea Path Sc 29654, Honea Path, SC, we're here to provide personalized service that meets the needs of local businesses. Connect with us today at (864) 369-0095 and let's explore how we can help your business thrive!

Comprehensive List Of Services

Accessing Our Services

Whether you choose to visit us in person during our operating hours Monday through Thursday from 8:00 a.m. - 5:00 p.m., Wednesday lobby opens at 9:00 a.m., or Friday until 5:30 p.m. or utilize our drive-thru service for quick transactions, we're here for you. Our basic drive-thru banking allows for deposits, withdrawals, and simple transactions without any hassle. At Upstate, we're committed to making banking easy and accessible for everyone in Honea Path. If you have any questions or want to learn more about how we can help you achieve your financial goals, don't hesitate to reach out! Call us today at (864) 369-0095, or visit our website at Honea Path Branch. Your financial well-being is our top priority!

Business Banking Solutions

If you're running a business, we offer specialized services such as merchant services and business loans that cater to the unique needs of entrepreneurs. We believe that when businesses thrive, communities flourish.

Credit Options with Benefits

We also provide exciting choices like credit cards with rewards that let you earn points for everyday purchases. Imagine using your card for groceries and then enjoying a nice dinner out on those reward points!

Digital Banking Convenience

In today's fast-paced world, having access to your finances at any time is crucial. That's why we provide robust online and mobile banking features that allow you to check balances, transfer funds, or pay bills from the comfort of your home or on the go. Plus, our ATM services ensure that cash withdrawals are always within reach.

Home Financing Made Easy

Thinking about buying your first home? Our mortgage loans and refinancing options are tailored to help you find the perfect fit for your financial situation. We know the journey to homeownership can be daunting, but with our experienced team by your side, you'll feel confident every step of the way.

Personal Banking Services

For those looking to manage their everyday expenses, we offer various checking and savings accounts designed with you in mind. Imagine having a safe place for your money while also earning interest on your savings! When life throws unexpected expenses your way, our personal loans and debt consolidation options can help you regain control. If you're dreaming of a new car or need a reliable vehicle, look no further than our competitive auto loans and vehicle financing solutions. We understand that purchasing a vehicle is a significant decision, so we're here to make the process as smooth as possible.

Digital & Online Banking

Experience Convenience Like Never Before

Managing your finances has never been easier with Upstate's digital banking services. The user-friendly interface ensures that even those who aren't tech-savvy can navigate through their accounts effortlessly. Enjoy real-time updates on your financial activity and take control of your budget with just a few clicks. In today's busy world, having reliable and accessible banking options is essential. At Upstate, we are committed to providing our members with top-notch digital banking solutions that fit their lifestyles. Visit us online at https://upstatefcu.org/ and discover how easy banking can be!

Key Features of Our Online Banking Services

With our online banking, you can easily check your account balances, transfer funds between accounts, and pay bills all from the comfort of your home or while you're out and about. Need to send money to a friend? Our person-to-person transfer feature makes it quick and hassle-free. Plus, if you're on the go, our mobile application offers all the same great features right at your fingertips. Security is a top priority for us. We use electronic signature authorization for secure transactions, giving you peace of mind every time you bank online. You can also opt for e-statements to keep track of your finances without the clutter of paper statements saving trees and making it easy to stay organized. For those who enjoy making payments through their phones, we support mobile payments too! This means you can use your smartphone to pay for purchases quickly and securely wherever you are.

Financial Strength

Growing Membership

With 29,306 total share accounts, we demonstrate a strong and growing member base that trusts us with their finances. This trust allows us to maintain healthy net shares available for lending and investments: $0. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Upstate is your trusted partner. Visit us at 430 N Main St Honea Path Sc 29654 or call (864) 369-0095 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Your savings are secure with us. We have $19,385,322 in share certificates and $1,538,959 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $4,895,490, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 52 full-time employees and 6 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $12,853,042 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 $3,627 in used auto loans and $92,428,230 in total loans and leases.

Solid Foundations

With a net worth of $12,911,570, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $932 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 $49,737,185 in used vehicle loans and $6,160,406 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, our team is here to guide you through the process. We also provide refinancing options if you're looking to lower your existing monthly payments or reduce your interest rate.

Contact Us

For more information on our loan offerings or assistance with your application, feel free to reach out to us at (864) 369-0095. Our friendly staff is ready to help you navigate through your options and find the best solution for your financial situation. You can visit us at our branch located at 430 N Main St Honea Path Sc 29654 in Honea Path, SC, where we're open Monday through Friday for your convenience. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Upstate, we're dedicated to supporting our members with tailored financial solutions that help them achieve their dreams.

Credit Lines and Unsecured Loans

If you're considering personal financing, we offer flexible credit lines totaling $37,913,654 that provide quick access to funds when you need them most. Additionally, we have unsecured credit card loans available to assist members in managing their finances effectively. While currently there are no unsecured credit card loans issued, we are committed to providing options that fit your financial needs as they arise.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $9,225,738, make buying or refinancing simple. We aim to empower you with flexible terms and competitive rates that suit your budget. Whether you're a first-time buyer or looking to refinance an existing mortgage, our experienced staff can help you find the right solution.

Loan Aggregator

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Upstate