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

Introduction

Welcome to Urw Community, your trusted financial partner located at 314 Lowes Dr, Danville, VA 24540. Since our establishment in 1970, we have been dedicated to serving our members with integrity and care. With a strong commitment to the local community, we proudly support over 35,680 members who rely on us for their banking needs. At Urw Community, we believe in making banking accessible and beneficial for everyone. Our total assets exceed $226 million, reflecting our stability and dedication to providing quality services. Whether you're looking for personal banking solutions like checking and savings accounts or loans for your next vehicle, we are here to help. We currently manage more than $15 million in deposits and offer a variety of loan options totaling over 20,540 loans issued. Led by our CEO, Cheryl Doss, and Board President, Charles Phillips, our team of 59 employees is committed to supporting you every step of the way. We aim to create a welcoming environment where you can feel secure in your financial decisions. While members can visit us at our branch for friendly service, official correspondence should be sent to the same address: 314 Lowes Dr, Danville, VA 24540-5927. For any questions or assistance, don't hesitate to reach out at (434) 793-1278 during our lobby hours from Monday to Friday, 9:00 AM to 5:00 PM. Join us as we continue building a brighter financial future together! Explore more about our services at urwfcu.org and see how we can help you achieve your goals.

Branch History & Mission

Join Us Today!

Your financial future starts with us! If you're looking for a credit union that values community and offers exceptional service, consider joining Urw Community. Experience firsthand how we can help you achieve your dreams while enjoying the benefits of being part of a member-focused organization. Visit our website at Urw Community for more information or stop by today!

Our Evolution

Urw Community began as a small initiative aimed at helping local residents achieve their financial goals. From those humble beginnings, we have evolved into a full-service credit union offering personal banking, auto loans, mortgages, and business services. Each milestone has been fueled by our commitment to our members and the belief that everyone deserves access to quality financial resources. As we expanded our services, we embraced technology to enhance your banking experience. We now offer convenient online and mobile banking options so you can manage your finances anytime and anywhere. Our ATM services and drive-thru banking add another layer of accessibility for busy members.

Our Mission

At Urw Community, our mission is clear: We aim to empower our members through personalized financial solutions while fostering strong community ties. We believe in building relationships based on trust and respect. Whether you're looking for help with checking and savings accounts or need support with loans and refinancing options, we're here to guide you every step of the way. We also recognize the importance of giving back to the community that supports us. Through various partnerships and outreach efforts, we strive to make a positive impact in Danville and beyond. While members can visit us at 314 Lowes Dr Danville Va 24540, official correspondence should be sent to 314 Lowes Dr, Danville, VA 24540-5927. Feel free to reach out at (434) 793-1278 during our operating hours from Monday to Friday between 9:00 AM and 5:00 PM.

Branch Location & Accessibility

Welcome to Urw Community at our Lowes Drive Office, located conveniently at 314 Lowes Dr in beautiful Danville, VA. We're nestled in a friendly neighborhood, just a stone's throw from popular spots like the Danville Science Center and the Riverwalk Trail. Whether you're visiting us for personal banking needs or to explore our loan options, our location is designed with your convenience in mind. Finding us is easy, and we offer ample parking right outside our doors. Plus, for those who may need it, we are ADA compliant with features like ramps to ensure everyone can access our services comfortably. Our branch operates Monday through Friday from 9:00 AM to 5:00 PM, making it simple for you to fit banking into your busy schedule. You can reach us at (434) 793-1278 if you have any questions or need assistance before your visit. For your convenience, we also have ATM availability on-site and drive-thru banking options for quick transactions. While you can always come inside to experience all we have to offer, our drive-thru allows you to conduct simple transactions without leaving your car. We aim to make banking accessible and friendly for everyone. If you're looking for personal banking services such as checking and savings accounts, auto loans, mortgage refinancing, or even credit cards with rewards, Urw Community has got you covered! While members can visit us at 314 Lowes Dr for their banking needs, official correspondence should be sent to the same address if you prefer. We look forward to welcoming you and helping you achieve your financial goals! Come see us soon!

Member Eligibility

At Urw Community, we believe that becoming a member is like joining a welcoming family where your financial goals are nurtured and supported. If you're looking to become part of our community, you'll be pleased to know that membership is open to individuals who live, work, worship, or attend school in the Danville area. It's our way of ensuring that we serve those who truly belong to our community. Joining us means you'll have access to a range of benefits, including competitive loan rates and personalized services tailored just for you. Ready to take the first step? Opening an account at Urw Community is easy! Simply visit us at 314 Lowes Dr Danville Va 24540 or give us a call at (434) 793-1278 for more details. For up-to-date eligibility criteria. We can't wait to welcome you into the Urw Community family!

Business Banking & Commercial Services

Practical Merchant Services

In today's fast-paced marketplace, having the right merchant services can make all the difference. Imagine being able to accept payments effortlessly, manage cash flow efficiently, and offer your customers seamless payment options all from one place. Our merchant services are designed to meet your needs, so you can focus on what matters most: growing your business. Located conveniently at 314 Lowes Dr Danville Va 24540, Danville, VA, our team is here to provide personalized service and support. Reach out at (434) 793-1278 or visit us during our operating hours from Monday to Friday, 9:00 AM to 5:00 PM. Let's work together to unlock your business's potential!

Tailored Loan Options

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. - 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 $2,262,962, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

For our entrepreneurial members, business banking services are essential. We provide merchant services and business loans aimed at helping local businesses thrive. Whether you're starting out or looking to expand, we're committed to supporting your business goals.

Convenience Services

In addition to these core offerings, we pride ourselves on providing ATM and cash withdrawal services, along with basic drive-thru banking for quick deposits and withdrawals. Need access after hours? Our ATMs are available for balance checks and cash withdrawals whenever you need them. At Urw Community, we believe banking should be convenient and accessible. With digital features like online banking and mobile access, managing your finances has never been easier. Feel free to reach out at (434) 793-1278 if you have any questions or would like more information about our services. We invite you to visit us at 314 Lowes Dr Danville Va 24540 during our lobby hours from Monday through Friday, 9:00 AM - 5:00 PM. Join us today and experience the difference that personalized service makes!

Credit Cards

Take advantage of our credit cards with rewards that can benefit you in everyday purchases. From groceries to gas, every swipe can bring you closer to earning valuable rewards helping you save more while enjoying the convenience of cashless transactions.

Home Financing

If you're considering buying a home or refinancing your current mortgage, look no further! Our mortgage loans provide affordable solutions tailored to meet your needs. Our knowledgeable representatives can help you understand the process, making it easier for you to secure the financing necessary for your dream home.

Personal Banking

When it comes to personal banking, we offer a variety of options tailored just for you. Whether you're looking to open a checking or savings account, our friendly staff is ready to assist you in finding the right fit. With easy online and mobile banking solutions, managing your accounts has never been simpler. You can check balances, transfer funds, and even pay bills from the comfort of your home.

Personal Loans

Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation options come into play. Whether it's for home repairs, medical bills, or consolidating credit card debt, we offer straightforward solutions designed to ease financial stress.

Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options come with competitive rates and flexible terms. We know that buying a car is a big decision, which is why our team is here to guide you through every step, ensuring you find a loan that works for your budget.

Digital & Online Banking

Enhanced Security and Accessibility

Your security is our priority. While we currently do not offer electronic signature authorization, we ensure that all transactions through our online banking are protected with the latest security measures. Plus, if you're on the go, our mobile application provides easy access to all your banking needs right from your smartphone. Additionally, with our person-to-person transfer feature, sending money to friends or family is quick and straightforward no cash needed! And if you're looking to make payments directly from your phone, you'll be pleased to know that while mobile payments aren't currently available, our app offers many other convenient features. At Urw Community, we're committed to providing accessible banking solutions tailored for you. Whether you're checking your balance or making a transfer late at night, we've got you covered with reliable service that fits into your busy life. Join us today and experience the freedom of digital banking!

Key Features of Our Digital Banking Services

With our 24/7 online banking services, you can check balances, transfer funds, and pay bills whenever it suits you. You won't have to worry about long lines or limited hours. Our user-friendly interface makes navigating through your accounts a breeze, so you can focus on what matters most. Want to keep track of your spending? Sign up for e-statements, which are not only eco-friendly but also allow you to access your financial statements with just a few clicks. This means you'll always have an organized record of your transactions without the clutter of paper.

Financial Strength

At Urw Community, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share that our financial health remains strong, which allows us to provide the best services possible. With a net worth of $32,300,941, we maintain robust financial health, enabling us to offer better rates, lower fees, and enhanced member services. This commitment is further highlighted by our net worth ratio of 14.20%, which demonstrates a solid capital foundation. It ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $70,153,306 in share certificates and $6,016,098 in money market shares, both 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. We also have $30,898,909 in undivided earnings, which means 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 $7,936 in used auto loans and $188,332,003 in total loans and leases. Reflecting our operational efficiency, our $377,198 allows us to continue offering competitive loan rates and solid financial products for you. We take pride in having 58 full-time employees and 1 part-time employees who are always ready to assist you with a knowledgeable and committed team. 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 314 Lowes Dr Danville Va 24540 or call (434) 793-1278 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Additional Services

We offer refinancing options across many of our loan products to ensure that you can adjust your payments according to your current financial situation. For eligibility details or to explore how our offerings can meet your specific needs, feel free to reach out. For any questions or assistance with our loan products, don't hesitate to contact us at 434-793-1278 during our operating hours from Monday to Friday between 9:00 am and 5:00 pm. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us online at urwfcu.org for more information about our services!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with 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 new or used vehicle, we have financing options that suit your needs.

Business Financing

For business owners, our outstanding commercial loans totaling $2,262,962 provide the capital needed to grow and expand your business. We understand the unique challenges businesses face and strive to support them with tailored financial solutions.

Credit Card Loans

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. These cards come with various benefits designed to give you more control over your spending.

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 guide you through the process and offer competitive rates to help you secure your dream home.

Loan Aggregator

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Ensuring Accurate Comparisons

LendMesh ensures accurate loan comparisons by sourcing data 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 rigorous approach guarantees that users receive fair and transparent offers tailored to their financial circumstances.

URW COMMUNITY FEDERAL CREDIT UNION - Danville, VA

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