URW Community Credit Union South Boston VA | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Urw Community, your trusted partner in financial well-being, located at 4018 Halifax Rd, South Boston, VA 24592. Since our establishment in 1970, we have dedicated ourselves to serving the needs of our community with a warm and personal touch. With a total membership of over 35,680 members, we pride ourselves on being more than just a credit union; we're a community hub where everyone can find the support they need to achieve their financial goals. At Urw Community, we understand that life can be unpredictable. That's why we offer a variety of services tailored to help you navigate your financial journey. Our total assets stand strong at $226,099,652, and we maintain a healthy net worth of $32,300,941. Whether you're looking for auto loans where we've financed over 20,540 vehicles or personal banking options like checking and savings accounts, we're here to help. Our leadership team is committed to your success. Led by CEO Cheryl Doss and Board President Charles Phillips, our experienced staff of 59 employees is ready to assist you with any questions or concerns. We encourage you to reach out via phone at 434-793-1278 during our operating hours from Monday to Friday, 9 am to 5 pm. While members can visit us at our branch location for all banking needs including convenient drive-thru service and ATM access official correspondence should be sent to our mailing address: 4018 Halifax Road, South Boston, VA 24592. Join us at Urw Community and discover how we can make a positive impact on your financial future. Visit us online at urwfcu.org or stop by today! Your community bank is just around the corner!

Branch History & Mission

Welcome to the Urw Community branch in South Boston, Virginia! Established in 1970, our branch has proudly served this vibrant community for over five decades. Located at 4018 Halifax Rd, South Boston, VA 24592, we are more than just a credit union; we are a cornerstone of support and financial empowerment for our members. Throughout our history, Urw Community has evolved alongside the needs of our members. From humble beginnings, we have grown into a trusted financial institution with total assets of $226,099,652 and a thriving membership base of 35,680 individuals. Our mission is simple yet profound: to provide accessible financial services while fostering a strong sense of community. We strive to empower our members by offering products that help them achieve their dreams whether it's buying a new home, purchasing a vehicle, or saving for the future. At Urw Community, we believe in the importance of being there for our members. Our dedicated team is available Monday through Friday from 9 AM to 5 PM to assist you with your banking needs. Whether you're visiting us in person or utilizing our online banking services, we aim to make your experience as smooth as possible. Plus, with ATM availability and convenient drive-thru banking options, accessing your funds has never been easier. Our commitment goes beyond mere transactions. We actively engage with the South Boston community through various outreach programs and partnerships that uplift and support those around us. We understand that financial literacy is crucial; thus, we host workshops aimed at educating our members on budgeting, saving, and investing. While members can visit us at 4018 Halifax Rd South Boston Va 24592, official correspondence should be sent to 4018 Halifax Road, South Boston, VA 24592 if different. Join us at Urw Community and experience the benefits of being part of a credit union that puts you first. Together, let's build a brighter financial future for you and your family. For any inquiries or further information about our services, feel free to reach out at 434-793-1278. We can't wait to welcome you into our community!

Branch Location & Accessibility

Accessibility Features

At Urw Community, we prioritize accessibility for all our members. Our branch is equipped with ADA-compliant features, including ramps and designated parking spaces, ensuring everyone can access our services comfortably. If you're driving in, you'll find ample parking available right outside our doors.

Drive-Thru Banking

For those on the go, we feature a drive-thru banking option where you can handle deposits, withdrawals, and simple transactions without leaving your vehicle. It's just one more way we strive to make banking easy for you! While members can visit us at 4018 Halifax Rd, official correspondence should be sent to our mailing address at 4018 Halifax Road, South Boston, VA 24592. If you have any questions or want to learn more about how we can assist you, don't hesitate to call us at 434-793-1278. We look forward to welcoming you into our Urw Community family!

Operating Hours

We understand that life can be busy. That's why we're here for you Monday through Friday from 9 AM to 5 PM. Our welcoming staff is ready to assist you with a variety of services during these hours, whether you need help with personal banking or have questions about loans.

Services Offered

Our branch provides a range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. We also offer mortgage loans and refinancing options for those looking to buy a home. For added convenience, we have an ATM available on-site for quick cash withdrawals and balance checks.

Member Eligibility

At Urw Community, we believe that becoming a member means joining a supportive community that truly cares about your financial well-being. If you're interested in becoming part of our family, you'll be glad to know that membership is open to a wide range of individuals. Whether you live, work, or worship in the area, you may qualify for membership. We also welcome immediate family members of current members. This inclusive approach ensures that everyone can benefit from our personalized services and friendly support. To get started, simply visit us at 4018 Halifax Rd South Boston Va 24592 or give us a call at (434) 793-1278. Our team is ready to assist you with any questions and guide you through the easy account opening process. For more details on eligibility criteria, feel free to check out our resource page. We look forward to welcoming you to Urw Community, where your financial goals become our priority!

Business Banking & Commercial Services

Financing Your Growth

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.

Practical Merchant Services

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine running a busy café where customers can pay easily with their cards or mobile devices. Our solutions help you focus on what matters most serving your customers while keeping transactions smooth and secure. Visit us at 4018 Halifax Rd South Boston Va 24592 in South Boston, VA or give us a call at (434) 793-1278 to learn how we can help your business thrive!

Comprehensive List Of Services

Business Banking

For local entrepreneurs, we understand how crucial it is to have reliable support. That's why we offer comprehensive Business Banking services including Merchant Services and Business Loans. We're dedicated to helping businesses thrive in South Boston by providing the tools they need for success.

Conclusion

At Urw Community, we're more than just a credit union; we're a partner in your financial journey. From personal banking needs to business solutions, we strive to make banking simple and accessible for all members of our community. If you have any questions or want to learn more about how we can assist you, don't hesitate to reach out at 434-793-1278 or visit us online at urwfcu.org. Your financial well-being is our priority!

Convenient Access

We know how busy life can be, which is why our services include both Online & Mobile Banking for easy access from any device. You'll also find an ATM and drive-thru banking available at our branch for quick deposits and withdrawals without the hassle of entering the lobby.

Loans and Financing

When it comes to financing, Urw Community provides flexible Auto Loans & Vehicle Financing. Picture driving off in a new vehicle that fits both your style and budget our competitive rates make that possible. Additionally, if you're considering buying a home or refinancing an existing mortgage, our dedicated team can guide you through the process with our Mortgage Loans & Refinancing services. For those unexpected expenses or consolidating debt, our Personal Loans & Debt Consolidation options are here to lighten your financial load. Need a little extra purchasing power? Our Credit Cards with Rewards not only provide convenience but also offer benefits that can help you earn while you spend.

Personal Banking

Starting with our personal banking options, we offer various Checking & Savings Accounts designed to fit your lifestyle. Imagine having easy access to your funds while earning interest on your savings! Our accounts come with online and mobile banking features, allowing you to manage your finances on the go. You can easily check balances, transfer funds, and pay bills from anywhere.

Digital & Online Banking

Key Features

Our online banking services allow you to check your balances, transfer funds, and pay bills with just a few clicks. You can also enjoy the benefits of e-statements, which are available for all members. This feature not only helps you stay organized but also contributes to a more environmentally-friendly approach by reducing paper waste. For those who love using their smartphones, our mobile application is here to help! Easily manage your accounts on the go, whether you're checking balances or making person-to-person transfers with friends and family. And if you're someone who prefers contactless payments, our mobile payments feature is on the way to enhance your banking experience even further.

Security and Accessibility

We prioritize your security. While we currently do not offer electronic signature authorization for transactions, rest assured that our online banking system is equipped with robust security measures to protect your information. We believe in making banking as user-friendly as possible, so whether you're tech-savvy or just getting started with online banking, you'll find our platform intuitive and straightforward. With 24/7 access to your accounts through Yes, you can manage your finances on your schedule. Whether it's late at night or during a lunch break, we are always here for you. In summary, at Urw Community, we strive to provide an engaging and secure online banking experience that fits into your lifestyle. Join us today and explore all the ways we can support your financial journey!

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 want to assure you that our financial health is robust, allowing us to offer services that truly benefit our members. 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 14.20% demonstrates a solid capital foundation, ensuring 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, 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. Our commitment to reinvesting in your community is evident with $30,898,909 in undivided earnings. This allows us to enhance our banking tools and strengthen our lending options for all members. With $7,936 in used auto loans and $188,332,003 in total loans and leases, we support various financial goals tailored to your needs. While our recent net income stands at $0, this reflects a strategic approach to maintaining stability rather than a lack of operational efficiency. We also take pride in having 58 full-time employees and 1 part-time employees who are dedicated to serving you with expertise and care. In terms of overall member trust, we have a solid footing with a total of 52,908 share accounts an indicator of the strong relationship we've built with our members over time. 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 4018 Halifax Rd South Boston Va 24592 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

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We've already issued over $11,104,924 in used vehicle loans and $32,855,242 in new vehicle loans, helping members get on the road smoothly. We also provide refinancing options for existing auto loans if you are looking for lower payments or better terms.

Business Loans

For business owners, our outstanding commercial loans totaling $2,262,962 provide the capital needed to grow and expand your business. Whether you're starting a new venture or seeking funds for expansion, we have options that may fit your needs. Our commitment is to serve our members with integrity and transparency. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. No matter what your borrowing needs are be it personal financing or business growth Urw Community is here to support you every step of the way. Visit us today or check our website at urwfcu.org for more information!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $1,046,243. Our team can guide you through the eligibility process and help you find the best mortgage solution for your needs.

Unsecured 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 credit cards can be an excellent option for those looking to build or improve their credit score while enjoying rewards.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions, ensuring transparency in your options. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, you can make well-informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

Ensuring 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 all offers presented are fair and transparent, allowing you to trust the information you receive.

URW COMMUNITY FEDERAL CREDIT UNION - South Boston, VA

Compare Loan Rates Near You

Loan rates in South Boston, VA (24592)