Upstate Credit Union Starr SC | Affordable Auto Loans & ATM Access

Introduction

Welcome to Upstate, your trusted partner in financial well-being, located at 4805 Highway 81 S, Starr, SC 29684. Since our establishment in 1965, we have been dedicated to serving our community with personalized banking solutions tailored for every member. With a strong commitment to excellence, we proudly support over 16,200 members and manage assets totaling an impressive $144,169,102. At Upstate, we understand that navigating your financial journey can be challenging. That's why we offer a range of services including checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking options. Our friendly staff is always ready to assist you with all your banking needs. Whether you're looking to secure a loan or simply want reliable advice on managing your finances, we're here for you. Our branch operates with a focus on community impact and member satisfaction. We believe that by empowering our members with the right tools and resources, we can foster a financially secure environment for everyone. Under the leadership of our CEO Donna Metz and Board President Gregory Silver, we strive to create a welcoming atmosphere where every individual feels valued. While members can visit us at our branch location, official correspondence should be sent to the same address: 4805 Highway 81 S, Starr, SC 29684-9308. For any inquiries or assistance, don't hesitate to reach out at (864) 328-0270. Join us today and experience the difference that comes from being part of Upstate where your financial health is our priority! Visit our website at upstatefcu.org for more information about our services and how we can help you achieve your financial goals.

Branch History & Mission

Welcome to Upstate, where our roots run deep in the vibrant community of Starr, SC. Established in 1965, we have proudly served our members for over five decades, growing alongside the people and families that make this area special. Located at 4805 Highway 81 S, our branch is easily accessible for all your financial needs. Since our inception, Upstate has been dedicated to providing quality financial services tailored to the unique needs of our members. With a current total membership of over 16,200 and assets totaling an impressive $144,169,102, we have built a legacy of trust and reliability. Our mission is simple yet powerful: to enrich the lives of our members through exceptional service and community support. At Upstate, we understand that banking goes beyond transactions. It's about building relationships and fostering growth within our community. We offer a wide range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. Our drive-thru banking and ATM availability ensure that you can access your funds conveniently. While members can visit us at 4805 Highway 81 S Starr Sc 29684, official correspondence should be sent to 4805 Highway 81 S, Starr, SC 29684-9308. Our commitment to modern banking means we also provide online and mobile banking services so you can manage your finances anytime, anywhere. We believe in giving back to the community that supports us. Our outreach efforts include partnerships with local organizations and initiatives aimed at improving financial literacy among residents. By investing in our local community, we strive to make Starr a better place for everyone. As we continue to grow and adapt to the ever-changing financial landscape, we remain focused on putting our members first. Join us at Upstate today and discover how we can help you achieve your financial goals while being part of a caring community. For more information or assistance, don't hesitate to reach out to us at 864-328-0270 during our operating hours: Monday through Thursday from 8:00 AM to 5:00 PM and Friday from 8:00 AM to 5:30 PM. Experience the Upstate difference today!

Branch Location & Accessibility

Call-to-Action

We invite you to come by and experience the Upstate difference! Our team is ready to help you with all your banking needs. Feel free to call us at 864-328-0270 if you have any questions before your visit. We look forward to seeing you soon!

Nearby Landmarks and Accessibility

The Upstate branch is ideally situated near key locations like local schools and shopping centers, making it a familiar and accessible destination. Parking is readily available, ensuring that you can easily find a space when you visit. Our facility is also equipped with ADA-compliant features and ramps to accommodate all members.

Operating Hours

We understand that your time is valuable. That's why we've tailored our operating hours to fit your busy schedule. You can visit us Monday through Thursday from 8:00 AM to 5:00 PM, and on Fridays until 5:30 PM. Whether you need help with personal banking or have questions about loans, our friendly staff is here to assist you during these hours.

Services Offered

At the Upstate South Anderson Branch Office, we offer a wide range of services designed to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Need to make a quick transaction? Enjoy the convenience of drive-thru banking for deposits and withdrawals without leaving your car! For those who prefer self-service options, we also provide ATM access for cash withdrawals and balance checks anytime you need them.

Member Eligibility

Joining Upstate feels like becoming part of a warm, welcoming family where your financial needs are genuinely cared for. To become a member, you just need to meet some simple criteria that prioritize your connection to our community. Whether you're a resident of Starr or nearby areas, or if you work here, you're likely eligible to join us and enjoy the many benefits we offer, including competitive rates on loans and savings accounts tailored just for you. To explore the specific eligibility requirements in detail, feel free to visit our website. Once you see how easy it is to qualify, opening an account is a breeze! We're here to support you every step of the way, so don't hesitate to reach out at (864) 328-0270 if you have any questions or need assistance. Let's get you started on your journey with Upstate, located conveniently at 4805 Highway 81 S Starr Sc 29684!

Business Banking & Commercial Services

Practical Merchant Services

Imagine streamlining your payment process so you can focus on what matters most growing your business. Our merchant services help you accept payments quickly and securely, whether in-store or online. This means more time for you to innovate and connect with your customers. Located at 4805 Highway 81 S, Starr, SC 29684, Upstate is ready to partner with you. If you're interested in learning more about how we can assist you in achieving your business goals, give us a call at 864-328-0270. Let's take your business to new heights together!

Tailored Business 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 & Drive-Thru Services

For those who prefer face-to-face interactions or quick cash access, we provide reliable ATM and cash withdrawal services, along with basic drive-thru banking for deposits, withdrawals, and simple transactions. Our branch features ensure that whether you're stopping by or using an ATM, you'll have a straightforward experience.

Business Banking Services

If you're a business owner, you'll appreciate our specialized services like merchant services and business loans. We understand that running a business comes with its unique challenges, and we're here to support your growth with tailored financial solutions.

Commitment to Our Members

At Upstate, we are committed to making your banking experience as enjoyable and stress-free as possible. With friendly staff available at our branch located at 4805 Highway 81 S, Starr SC 29684, we're always ready to assist you with any questions or concerns. Ready to take the next step? Give us a call at 864-328-0270 or visit us online at upstatefcu.org for more information about how we can serve you better!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options. With just a few taps on your phone or clicks on your computer, you can access your accounts anytime, anywhere. From checking balances to transferring funds, managing your finances has never been easier.

Personal Banking Solutions

Our personal banking services start with checking and savings accounts that help you keep your money secure while earning interest. Imagine having easy access to your funds while watching them grow over time. We also offer auto loans and vehicle financing to help you drive away in your dream car without breaking the bank. Need a place to call home? Our mortgage loans and refinancing options make home ownership more accessible than ever. For those unexpected moments, our personal loans and debt consolidation services provide the flexibility you need to manage expenses effectively. Plus, don't forget about our credit cards with rewards, allowing you to earn points for everyday purchases that can turn into exciting perks down the line!

Digital & Online Banking

Accessibility and Ease-of-Use

Whether you're at home or out running errands, accessing your accounts has never been easier. Our mobile payments feature allows you to make purchases using just your smartphone. Everything about our digital services is designed with you in mind easy navigation and user-friendly interfaces ensure that everyone can take advantage of what we offer. Join us at Upstate today and experience how digital banking can fit seamlessly into your lifestyle! For more information on all our offerings, visit https://upstatefcu.org/ or give us a call at (864) 328-0270.

Key Features

Our online banking services are available 24/7, allowing you to check balances, pay bills, and transfer funds whenever it suits you. Need to send money to a friend? With our person-to-person transfer feature, sending cash is as simple as a few taps on your phone. Plus, if you're always on the go, our mobile application makes banking even easier, putting all these services right in your pocket. Security is paramount when it comes to managing your finances online. At Upstate, we offer electronic signature authorization for added peace of mind during transactions. You can rest easy knowing that your information is safe with us. For those who prefer paperless options, e-statements are readily available another step toward simplifying your financial management.

Financial Strength

Growing Member Trust

Total Share Accounts stand at 29,306, showing a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) amount to $0, which further enhances our capability to meet your needs. 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 4805 Highway 81 S Starr Sc 29684 or call (864) 328-0270 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

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 commitment to your financial success is reflected in our ability to provide $92,428,230 in total loans and leases, supporting your goals across various sectors including $3,627 in used auto loans.

Member-Centric Savings

Members' savings are secured through $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 $-$359,277 reflects our operational efficiency, enabling 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.

Strong Financial Health

With a net worth of $12,911,570, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.32% 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 it's a brand-new model or a reliable used option, our team is here to assist you every step of the way.

Credit Lines

Need some extra cash flow? Our total credit lines amount to $37,913,654, giving you access to funds when you need them without the hassle of traditional loans. These lines are great for managing unexpected expenses or funding personal projects.

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 believe that owning a home should be within reach for everyone, and our mortgage specialists can guide you through the process.

Refinancing Options

If you're considering refinancing any existing loans or mortgages for better rates or terms, we encourage you to talk to us about eligibility options. We're committed to helping our members save money wherever possible. For more information on our loan offerings or to discuss how we can help meet your financial goals today, please contact us at (864) 328-0270 or visit us at our branch located at 4805 Highway 81 S Starr Sc 29684 in Starr, SC. 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 Upstate be your partner in achieving financial success!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $0 in unsecured credit card loans available right now, our offerings can help you manage your finances effectively while building your credit score.

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UPSTATE FEDERAL CREDIT UNION - Starr, SC

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