URW Community Credit Union South Boston VA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Urw Community, your trusted financial partner in South Boston, VA! Located at 1 High School Circle, we have been proudly serving our members since 1970. With a strong commitment to community and member satisfaction, we've grown to serve over 35,680 members, helping them achieve their financial goals. At Urw Community, we understand that each member's journey is unique. That's why we offer a wide range of services tailored to meet your needs whether you're looking for personal banking solutions like checking and savings accounts or seeking financing options such as auto loans and mortgages. Our total assets stand at an impressive $226,099,652, which allows us to provide robust financial support and resources for our members. Our dedicated team of 59 employees, led by CEO Cheryl Doss and Board President Charles Phillips, is here to ensure you receive the personalized service you deserve. With a net worth of $32,300,941 and cash in hand totaling $3,954,644, you can trust that your finances are in safe hands with us. While members can visit us at our branch location, official correspondence should be sent to our mailing address at 539 Arnett Blvd, Danville, VA 24540. We invite you to connect with us through our website at urwfcu.org or give us a call at 434-793-1278. Join us today and experience the difference of being part of a credit union that truly cares about its members!

Branch History & Mission

Welcome to Urw Community, a cornerstone of financial service in South Boston, Virginia. Since our founding in 1970, we have dedicated ourselves to serving the community with integrity and commitment. Located at 1 High School Circle, we are proud to be more than just a credit union; we are a vital part of the neighborhood's growth and prosperity. Over the years, Urw Community has grown significantly. Today, we proudly serve over 35,680 members, reflecting our commitment to providing tailored financial solutions that meet diverse needs. With total assets reaching an impressive $226,099,652, we have positioned ourselves as a reliable partner for both personal and business banking needs. At Urw Community, our mission is clear: to empower our members through accessible financial services while fostering a strong sense of community support. We believe in making banking simpler and more inclusive for everyone. Our offerings include personal banking services like checking and savings accounts, auto loans, mortgage loans, and business banking solutions all designed with your best interests in mind. While members can visit us at our branch address of 1 High School Circle, official correspondence should be sent to our mailing address at 539 Arnett Blvd, Danville, VA 24540. This ensures that all communication remains efficient and effective. Our operating hours are tailored to serve you best during regular school days from Monday to Friday. We are open for lobby services from 7:50 AM to 4:00 PM with specific hours dedicated to various transactions throughout the day. Although we do not currently offer ATM or drive-thru services, our focus remains on delivering exceptional in-branch experiences. We take pride in our community outreach efforts as well. By partnering with local organizations and participating in events, we strive to contribute positively to South Boston's development. Our initiatives aim not only to provide financial education but also foster a spirit of cooperation among residents. As technology advances, so do we. We ensure that our digital services keep pace with modern demands through online and mobile banking options that make managing your finances easier than ever. Join us at Urw Community and experience firsthand how we're committed not only to your financial success but also to building a better future for everyone in South Boston. Together, let's create lasting memories and achieve great things! For inquiries or assistance, please don't hesitate to call us at 434-793-1278 or visit us online at Urw Community.

Branch Location & Accessibility

Connect With Us

If you have any questions or need assistance, feel free to call us at 434-793-1278. We're excited to help you with all your banking needs! Stop by today and see how we can support your financial journey right here in South Boston.

Nearby Landmarks and Accessibility

Our branch is close to several local landmarks, making it a familiar spot for residents. You'll find ample parking available right outside our doors, ensuring that you can access our services without any hassle. We are committed to accessibility and have features in place to accommodate all members, including ADA-compliant ramps and entrances.

Operating Hours and Services

We pride ourselves on being available when you need us most. Our lobby hours are designed around regular school days: Monday through Friday from 7:50 AM until 4:00 PM with convenient breaks for students' schedules throughout the day. At Urw Community, we offer a range of services tailored to meet your financial needs from personal banking options like checking and savings accounts to auto loans, mortgages, and credit cards with rewards. Whether you're looking to finance a new vehicle or consolidate debt, our friendly staff is here to assist you.

Member Eligibility

Becoming a member of Urw Community feels like joining a warm and welcoming community where your financial needs are truly understood. If you live, work, or attend school in the area, you're likely eligible to join us! We invite anyone who shares these connections to come on board and enjoy the many benefits we offer. At Urw Community, we pride ourselves on providing personalized services tailored to your unique financial journey, whether that's opening a checking account or securing an auto loan. To learn more about the specific eligibility requirements, please visit our detailed page. You'll find everything you need to know about becoming part of our family. Ready to take the next step? Opening an account is simple and straightforward just give us a call at (434) 793-1278, and our friendly team will guide you through the process. Join us at Urw Community, located at 1 High School Circle South Boston Va 24592, and experience the supportive service that sets us apart!

Business Banking & Commercial Services

Merchant Services That Make a Difference

In addition to our competitive loan offerings, we provide merchant services designed to simplify your transactions. Imagine effortlessly accepting payments from your customers, whether they're using credit cards or mobile wallets. Our services ensure you can focus on what you do best running your business while we handle the financial details. Whether you're starting a new venture or looking to expand an existing one, Urw Community is here to partner with you every step of the way. Reach out today at (434) 793-1278 to discover how we can help fuel your success!

Supporting Your Business 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. - 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

ATM & Cash Withdrawal Services

While we currently do not have ATMs available at this branch location, rest assured that access to cash withdrawal services remains straightforward through various partnerships in our network. No matter what financial journey you're on, Urw Community is here for you every step of the way. For more information about any of our services or assistance with opening an account, please feel free to contact us at (434) 793-1278. We look forward to helping you achieve all of your financial goals!

Auto Loans & Vehicle Financing

Dreaming of a new car? Our auto loans and vehicle financing options make it easier than ever to hit the road in style. With competitive rates and personalized service, we help you navigate the process smoothly so you can focus on enjoying your new ride.

Business Banking

For our business members, we offer comprehensive business banking services, including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we have the resources to support your growth.

Credit Cards with Rewards

With our credit cards featuring rewards, every purchase you make can earn you benefits! Whether you're buying groceries or planning a vacation, our rewards program adds value to your spending, allowing you to enjoy perks as you manage your finances.

Mortgage Loans & Refinancing

For those considering homeownership or looking to refinance, our team is here to assist with mortgage loans and refinancing solutions. We work closely with you to find the best fit for your budget, ensuring that owning your dream home is within reach.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking services. Access your accounts anytime, anywhere; transfer funds, pay bills, or check balances from the comfort of your home or on the go.

Personal Banking

When it comes to personal banking, we understand that everyone has unique needs. That's why we offer checking and savings accounts designed for your daily transactions and savings goals. Whether you're looking to manage your everyday expenses or save for a special occasion, our accounts provide flexibility and convenience.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our personal loans are designed to provide the support you need during those times. If you're managing multiple debts, consider our debt consolidation options, which can simplify your payments and potentially lower your interest rates.

Digital & Online Banking

Key Features

Need to send money quickly? Our person-to-person transfer feature lets you send funds to family and friends without any hassle. Plus, if you're looking for a paperless option, our e-statements provide a secure way to access your financial information without cluttering your mailbox. For those who prefer mobile banking, our mobile application is available to help you manage your accounts right from your smartphone. Although we currently don't offer mobile payments, our app still makes it easy to keep track of your spending and transactions.

Security You Can Trust

Your security is our priority. At Urw Community, we ensure that all online transactions are protected with top-notch security measures. While we do not currently support electronic signature authorization for some services, our commitment to protecting your information remains strong. In a world where banking needs are constantly evolving, we strive to provide accessible and easy-to-use tools that fit into your lifestyle. With real-time account management options available through our online banking platform, staying on top of your finances has never been easier. Join us at Urw Community today and experience the benefits of digital banking tailored just for you!

Financial Strength

Growing Trust

Total Share and Deposit Accounts stand at 52,908, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0 demonstrate our capacity to support your needs effectively. 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 1 High School Circle South Boston Va 24592 or call (434) 793-1278 to learn more about how we can help you achieve your financial goals.

Member Savings Secured

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 operational efficiency is reflected in our $377,198, 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 who are always ready to serve you with a knowledgeable, committed team.

Reinvesting for Better Services

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 with $7,936 in used auto loans and $188,332,003 in total loans and leases.

Solid Foundation

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.

Loan Offering

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 interested in financing a brand-new vehicle or a reliable used one, our flexible terms can fit your budget.

Commercial Loans

For business owners, our outstanding commercial loans totaling $2,262,962 provide the capital needed to grow and expand your operations. We understand the challenges that come with running a business and are here to support you with financing solutions that fit your business model. At Urw Community, we're dedicated to helping you navigate your financial journey with confidence. For more information about our loan products or to discuss how we can assist you further, feel free to contact us at (434) 793-1278. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 provide various mortgage products tailored to suit your needs. If you're considering refinancing your current mortgage, be sure to ask about our eligibility options that could save you money.

Unsecured Credit Card Loans

Managing daily expenses can sometimes be challenging. That's where our unsecured credit card loans come in handy. With a total of $2,683,751 in loans helping members manage their finances effectively, we provide flexible terms that make it easy for you to handle unexpected costs or everyday purchases without breaking the bank.

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Ensuring Accurate Comparisons

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URW COMMUNITY FEDERAL CREDIT UNION - South Boston, VA

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