URW Community Credit Union Chatham VA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Urw Community, your trusted partner in financial well-being since 1970! Located at 13701 Us Highway 29 Ste I, Chatham, VA 24531, we are proud to serve a vibrant community of 35,680 members. At Urw Community, we understand that your financial goals are unique, which is why we offer tailored solutions designed just for you. With total assets amounting to an impressive $226,099,652 and total deposits reaching $15,482,081, our commitment to securing your financial future is stronger than ever. We manage over 20,540 loans and leases, ensuring that whether you're looking for a new home, a vehicle loan, or personal financing options, we've got you covered. Our experienced team of 59 dedicated employees, led by our CEO Cheryl Doss and Board President Charles Phillips, is here to provide exceptional service. You can count on us to be there for you every step of the way. We also maintain a solid net worth of $32,300,941 and have a healthy cash reserve of $3,954,644, reflecting our stability and reliability as your financial institution. While members can visit us at our branch location in Chatham, official correspondence should be sent to the same address for convenience. We invite you to explore our range of services including personal banking, auto loans, mortgage financing, business banking options, and more. Ready to take the next step in your financial journey? Feel free to call us at 434-793-1278 or visit our website at urwfcu.org for more information. At Urw Community, we're not just about numbers; we're about building lasting relationships with each member of our community!

Branch History & Mission

Our Evolution

Throughout the years, Urw Community has evolved significantly while maintaining its core mission: to provide exceptional financial services and foster community support. We have seen remarkable growth in our total assets, which now stand at an impressive $226,099,652. This growth reflects not just our dedication to sound financial practices but also the trust that our members place in us. Our journey has been marked by key milestones that highlight our commitment to innovation and service. We have embraced digital advancements with features like online banking and mobile applications to better serve our members' needs. While we currently do not offer ATM or drive-thru services, we ensure that all other banking needs are met with excellence during our operating hours from Monday to Friday, 9:00 am to 5:00 pm.

Our Mission

At Urw Community, our mission is simple yet profound: we strive to enhance the financial well-being of every member while actively contributing to the prosperity of 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. We believe in giving back to Chatham through various community outreach efforts and partnerships that strengthen local ties. Our commitment goes beyond just banking; it's about building relationships and supporting initiatives that make a difference in people's lives. While members can visit us at 13701 Us Highway 29 Ste I Chatham Va 24531, official correspondence should be sent to 13701 US Hwy 29, Suite I, Chatham, VA 24531. Join us at Urw Community and experience the benefits of being part of a credit union that truly cares about you and your future. Together, let's continue to build a brighter tomorrow for Chatham! For more information or assistance, don't hesitate to call us at (434) 793-1278 or visit our website at urwfcu.org.

Branch Location & Accessibility

Get in Touch!

If you have questions or need assistance before visiting us, don't hesitate to call us at 434-793-1278. We look forward to welcoming you to Urw Community Chatham Branch soon! Your financial goals are important to us, and we're excited to be part of your journey.

Nearby Landmarks and Accessibility Features

Our branch is situated near notable spots like the Chatham Community Center, making it easy for you to combine your visit with other errands. We prioritize accessibility, featuring ADA-compliant entrances and ramps, ensuring that everyone can access our services without any hassle. Plus, ample parking is available right outside our doors.

Operating Hours and Services

We're open Monday through Friday from 9:00 AM to 5:00 PM, providing plenty of time for you to stop by. Although we don't have drive-thru banking or ATM services at this location, our friendly staff is ready to assist you with a wide range of services including personal banking, auto loans, mortgage options, and credit cards with rewards. While members can visit us at 13701 Us Highway 29 Ste I, official correspondence should be sent to the same mailing address for consistency.

Member Eligibility

At Urw Community, we believe that becoming a member is like joining a close-knit family where everyone looks out for each other. If you're interested in joining us at our Chatham branch located at 13701 Us Highway 29 Ste I Chatham Va 24531, you're in luck! Membership is open to anyone who lives, works, worships, or attends school in our local community. We strive to make the process simple and welcoming, ensuring that you can start enjoying the benefits of membership right away. By choosing Urw Community, you'll gain access to a variety of financial services tailored just for you, whether it's personal loans, checking accounts, or even vehicle financing. To learn more about the specific eligibility criteria and see if you qualify, feel free to visit our website at . If you're ready to take the next step or have any questions, don't hesitate to give us a call at (434) 793-1278. We're here to help you every step of the way!

Business Banking & Commercial Services

Lending Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $50 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $2,262,962, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine having the tools you need to manage payments effortlessly. Our merchant services streamline transactions, allowing you to focus on what matters growing your business. From credit card processing to online payment solutions, we provide reliable options that make managing your finances easier. Visit us at 13701 Us Highway 29 Ste I Chatham Va 24531 in Chatham, VA, or call us at (434) 793-1278 to learn how our tailored solutions can support your business journey!

Comprehensive List Of Services

Credit Cards and Business Banking

Want to earn rewards while you spend? Our Credit Cards with Rewards program allows you to earn points on purchases that can be redeemed for exciting benefits. It's like getting paid back for spending! For entrepreneurs and small businesses, we provide comprehensive Business Banking solutions including Merchant Services & Business Loans. Whether you're starting a new venture or expanding an existing one, we're here to support your business journey every step of the way.

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why we offer robust Online & Mobile Banking services that allow you to manage your accounts anytime, anywhere. Pay bills, transfer funds, and check balances right from your smartphone or computer. It's banking made easy! While we do not have ATM availability at this branch location, our online services ensure that accessing your money remains hassle-free. Plus, if you ever need assistance or have questions about any of our services, don't hesitate to reach out at 434-793-1278. At Urw Community in Chatham, VA, we take pride in being more than just a credit union; we're a partner in your financial journey. Explore how our services can fit into your life today by visiting us or checking out our website at urwfcu.org. We're excited to serve you!

Personal Banking Solutions

Whether you're opening your first checking account or looking to save for a big purchase, our personal banking services are tailored just for you. We offer various Checking & Savings Accounts that help you manage your money effectively. Imagine having a safe place for your funds while earning interest this is what our savings accounts provide. Need financing for a new car? Our Auto Loans & Vehicle Financing options make it simple to get behind the wheel without breaking the bank. We work with you to find competitive rates that fit your budget, ensuring that your dream vehicle is within reach. If you're considering buying a home or refinancing an existing mortgage, our Mortgage Loans & Refinancing services can guide you through the process. Picture yourself settling into your new home, all thanks to personalized mortgage plans designed around your financial situation. For those unexpected expenses or projects around the house, our Personal Loans & Debt Consolidation options offer flexibility and peace of mind. We can help streamline your payments and lighten your financial load.

Digital & Online Banking

At Urw Community, we understand that managing your finances should be easy and secure, no matter where you are. That's why we offer a range of digital and online banking services designed to provide you with convenience at your fingertips. With 24/7 access to your accounts, you can check balances, transfer funds, and manage your finances whenever it suits you. Explore our online banking portal at https://www.urwfcu.org/ to discover all the features available to you. One of the standout features is our person-to-person transfer option, which allows you to send money to friends and family in just a few clicks perfect for splitting bills or sending gifts. Plus, if you prefer going paperless, we offer e-statements that make it easy to keep track of your transactions without the clutter. For those who love mobile banking, our app is ready for download, enabling you to perform various tasks right from your smartphone. Even if you're on the go, accessing your account has never been easier. While we currently do not support mobile payments, our mobile application ensures that you can manage your account securely and efficiently. We prioritize security in every transaction you make. Although we don't offer electronic signature authorization at this time, rest assured that your personal information remains safe while using our services. Our user-friendly interface means that navigating through different functions is straightforward for everyone. Whether you're checking your balance or making a transfer late at night, Urw Community provides all the tools you need for real-time account management. Experience how easy banking can be by taking advantage of our digital services today!

Financial Strength

Commitment to Innovation

With $30,898,909 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 $7,936 in used auto loans and a total of $188,332,003 in loans and leases.

Growing Trust

Total Share Accounts stand at 52,908, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $0. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Urw Community is your trusted partner. Visit us at 13701 Us Highway 29 Ste I Chatham Va 24531 or call (434) 793-1278 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Members' savings are secured through $70,153,306 in share certificates and $6,016,098 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $2,198,296, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 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 58 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $32,300,941, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,420 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

Additional Options

We also provide options for refinancing and eligibility assessments to ensure that our members receive the best possible support tailored to their unique situations. If you're ready to explore any of these loan products or have questions about how they work, don't hesitate to reach out! You can visit us at 13701 Us Highway 29 Ste I Chatham Va 24531, call us at 434-793-1278, or check our website at urwfcu.org for more information. 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 look forward to helping you with your financial needs!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have provided over $111,049,242 in used vehicle loans and $32,855,242 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new vehicle or a reliable used car, our flexible terms can make your dream ride a reality.

Business Loans

For business owners, our outstanding commercial loans totaling $2,262,962 provide the capital needed to grow and expand. Whether you're starting out or looking to scale your operations, we're here to support your business journey.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,046,243, make buying or refinancing simple. We help you navigate the complexities of home financing so you can focus on making your house a home.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans. With a total of $2,683,751 in loans helping members manage their finances effectively, our credit cards come with rewards and no hidden fees.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures 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 commitment to sourcing data from verified financial institutions ensures that users receive fair and transparent offers.

Urw Community