Vital Credit Union Spartanburg SC | Reliable ATM Access & Services

Introduction

Welcome to Vital, your trusted financial partner right here in Spartanburg, SC! Located at 1450 John B White Sr Blvd, we have proudly served our community since our establishment in 1964. With a dedicated team of 16 employees, led by our CEO Omero DeLorenzo and Board President Paul Barnette, we are committed to providing exceptional service and support to our 6,242 members. At Vital, we understand that financial matters can be overwhelming, which is why we're here to help. Our total assets amount to an impressive $57,981,358, demonstrating our strength and stability. We currently hold $9,994,846 in deposits and have extended over 3,460 loans, empowering our members to achieve their goals and dreams. While you can visit us at our branch for all your banking needs, please note that any official correspondence should be sent to our mailing address: PO Box 5586, Spartanburg, SC 29304. Our commitment goes beyond just numbers; it's about building relationships within our community. We believe in the power of support and trust that comes from being a member-focused credit union. Whether you're looking for a new loan or just need some advice on managing your finances, we invite you to reach out. Feel free to contact us at (864) 948-8200 during our operating hours: Monday through Thursday from 8:30 AM to 5:00 PM and Friday from 8:00 AM to 5:00 PM. We also offer ATM services for your convenience. Explore more about what we can offer you by visiting our website at Vitalfcu. Join us today and experience the difference of being part of the Vital family!

Branch History & Mission

At Vital, we take pride in our rich history and unwavering mission to serve the community of Spartanburg, SC. Founded in 1964, our credit union has grown from a small financial cooperative into a trusted institution with over 6,200 members and total assets reaching an impressive $57,981,358. Our branch is located at 1450 John B White Sr Blvd, conveniently situated near local landmarks that make us easily accessible to our members. Throughout the years, Vital has been dedicated to providing not just financial services but also genuine support to our community. Our mission statement reflects this commitment: to empower individuals and families through responsible banking practices and meaningful community engagement. We strive to offer products and services that meet the unique needs of our members while fostering a sense of belonging and financial well-being. As we evolved, we embraced technological advancements to enhance member experience. We now provide online banking services, electronic statements, and mobile applications to ensure that our members can manage their finances conveniently and securely. Additionally, we maintain ADA compliance, ensuring that all members can access our services without barriers. While members can visit us at 1450 John B White Sr Blvd Spartanburg Sc 29306, official correspondence should be sent to PO Box 5586, Spartanburg, SC 29304. Our operating hours are designed with your convenience in mind: from 8:30 AM to 5:00 PM Monday through Thursday, and from 8:00 AM to 5:00 PM on Fridays. We also understand the importance of being there for our community outside of banking. Over the years, we have partnered with various local organizations to support outreach efforts aimed at improving financial literacy and providing assistance during challenging times. This dedication is what sets us apart from traditional banks; we are here for you every step of the way. Join us at Vital and become part of a community-focused credit union that prioritizes your financial health. Experience the difference today! For more information or assistance, feel free to reach out by calling us at (864) 948-8200. Together, let's build a brighter financial future for everyone in Spartanburg!

Branch Location & Accessibility

Easy Access and Parking

At Vital, we prioritize making your visit as smooth as possible. Ample parking is available right outside our doors, ensuring you won't have to circle around looking for a spot. Our branch is also ADA compliant, featuring ramps and other accessibility options to cater to all our members.

Operating Hours

We know life can get busy, so we've tailored our operating hours to fit your schedule. Visit us Monday through Thursday from 8:30 AM to 5:00 PM, or stop by on Friday when we open a bit earlier at 8:00 AM and close at 5:00 PM. Whether you're popping in for quick ATM services or need assistance with your accounts, we're here for you during these hours.

Services Available

While we offer basic ATM services for withdrawals and balance checks, our friendly staff is ready to assist you with any questions or needs you may have about our services. Although we don't have a drive-thru option at this branch, you can always reach out via phone at 864-948-8200 for any inquiries. If official correspondence needs to be sent, please note that while members can visit us at the branch address, mail should be directed to PO Box 5586 in Spartanburg, SC. We invite you to come experience the welcoming atmosphere at Vital. Whether you're a long-time member or considering joining us for the first time, we look forward to helping you achieve your financial goals!

Member Eligibility

At Vital, we believe that everyone deserves a supportive financial community, and becoming a member is your first step toward that. If you're looking to join us at our friendly branch located at 1450 John B White Sr Blvd Spartanburg Sc 29306, you'll be pleased to know that membership is open to anyone who lives, works, or worships in our community. We welcome individuals from all walks of life, making it easy for you to connect with us. Not only will you gain access to a wide range of financial products and services tailored just for you, but you'll also enjoy the benefits of being part of a cooperative where your voice matters. To learn more about the specific eligibility requirements, feel free to check out this helpful resource: . Ready to take the plunge? Opening an account with us is straightforward! You can start the process online by visiting our account opening page at https://vitalfcu.cuconnections.com/loan-application/. If you have any questions or need assistance, don't hesitate to reach out at (864) 948-8200. We're here to help you every step of the way as you embark on this exciting journey with Vital!

Business Banking & Commercial Services

Merchant Services

In today's fast-paced world, efficient payment processing is vital for success. Our merchant services streamline transactions, allowing you to focus on what matters most running your business. Picture this: a customer walks into your store and completes their purchase quickly and easily, thanks to our reliable payment systems. That's the kind of experience we aim to provide. Located at 1450 John B White Sr Blvd Spartanburg Sc 29306 in Spartanburg, SC, we invite you to explore how Vital can be a partner in your business journey. For more information, call us at (864) 948-8200 or visit our website at Vitalfcu.

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. Imagine needing funds to expand your operations or invest in new equipment. With our commercial loans, you can access the capital necessary to take those next steps confidently. Our team is here to guide you through the process and ensure you find a solution that fits your vision.

Comprehensive List Of Services

Banking Made Easy

One of the standout features at Vital is our ATM Services. With basic ATM access available, you can easily handle withdrawals and check your account balance without stepping inside the branch. This means you can manage your finances on your own schedule, whether it's early in the morning or late at night. Our commitment to convenience extends beyond just ATMs; we also offer online banking capabilities that allow you to manage your accounts from the comfort of your home or on-the-go using our mobile app.

Join Our Community

Being part of Vital means becoming a member of a community that values trust and transparency. We're not just a credit union; we're a place where members can feel secure knowing they have access to reliable services and knowledgeable guidance. If you're interested in becoming a member or would like more information about our services, don't hesitate to reach out! You can give us a call at (864) 948-8200 or visit our website at Vitalfcu. At Vital, we believe in empowering our members with the tools they need for financial success. Experience the difference today!

Personalized Support

For those who prefer face-to-face interactions, our friendly staff is always ready to assist you during lobby hours: Monday through Thursday from 8:30 AM to 5:00 PM, and Friday from 8:00 AM to 5:00 PM. We understand that navigating financial decisions can sometimes be overwhelming, so we encourage you to visit us and discuss your needs. Whether you're thinking about saving for a new car or planning for future expenses, we're here to provide personalized support tailored just for you.

Digital & Online Banking

Always There for You

Whether you're at home or out and about, Vital ensures that managing your money is as convenient as possible. We're here to support you with accessible digital banking options tailored to fit your lifestyle. Explore all that we offer by visiting us at https://www.vitalfcu.com/ today!

Key Features for Your Convenience

Our online banking service provides 24/7 access to your accounts, allowing you to check balances, transfer funds, and pay bills whenever it suits you. You can also enjoy the benefit of e-statements, which means you can view your account statements online without the clutter of paper. Plus, with our electronic signature authorization feature, signing documents is simple and secure no more printing and scanning! For those on the go, our mobile application offers all the functionality you need right in your pocket. While we currently do not support mobile payments or person-to-person transfers, you can still manage your accounts effectively through the app. It's designed to give you real-time updates so that you're always in control of your finances.

Security You Can Trust

Your security is our priority. At Vital, we employ advanced security measures to keep your information safe while you're banking online. With features like two-factor authentication and encryption technology, you can rest easy knowing that your data is protected.

Financial Strength

At Vital, 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 understand that trust is built through transparency and reliability, which is why we want to share the solid foundation of our financial health. With a net worth of $8,945,620, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,543 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 $6,867,530 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $8,699,811 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 members' financial goals across various sectors with $1,283 in used auto loans and $39,844,422 in total loans and leases. Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 15 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts: 11,061, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Vital is your trusted partner. Visit us at 1450 John B White Sr Blvd Spartanburg Sc 29306 or call (864) 948-8200 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, with over $19,654,584 in used vehicle loans and $10,300,778 in new vehicle loans already helping members get on the road. We offer flexible financing options that make it easier for you to drive away in the vehicle you want.

Credit Lines

For those who need more flexibility, our total credit lines amounting to $8,300,000 provide you with easy access to funds when you need them most. Whether it's for unexpected expenses or planned purchases, our credit lines are designed to give you peace of mind. If you're considering refinancing options, we can help assess your current situation and guide you through potential savings. Our team is available to discuss eligibility requirements and find the best solution for your financial journey. For more information about our loan offerings or to apply today, visit us at 1450 John B White Sr Blvd Spartanburg Sc 29306 in Spartanburg, SC, or give us a call at (864) 948-8200. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how Vital can assist you in achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,580,836, make buying or refinancing simple. We help first-time buyers navigate the mortgage process and ensure they find the right loan for their needs.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $2,723,200 in loans helping members manage their finances effectively. Our credit cards come with no annual fees and rewards programs that can enhance your purchasing power.

Loan Aggregator

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