Walton County Teachers Credit Union Defuniak Springs FL | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Walton County Teachers, where we believe in fostering a strong community through reliable financial services. Established in 1961, our credit union has proudly served the members of Defuniak Springs, FL and surrounding areas with dedication and trust. With a total membership of 2,611, we are committed to helping our members achieve their financial goals. Located at Walton County Teachers Fcu Defuniak Springs Fl 32433, our branch offers a range of services designed to meet your personal and business banking needs. Whether you're looking for checking and savings accounts, auto loans, or credit cards with rewards, we have you covered. We also provide online and mobile banking options for your convenience. As of now, our total assets stand at an impressive $25,666,003, with total deposits reaching $3,009,590. This financial stability allows us to extend over 1,054 loans and leases to our valued members. Our net worth is currently $2,447,094, demonstrating our strength and commitment to maintaining a secure banking environment. At Walton County Teachers, we pride ourselves on having a dedicated team of 7 employees, led by our CEO Tracy Hall and Board President Dawn Manning. Their leadership ensures that we remain focused on providing exceptional service to all our members. While members can visit us at our branch address for assistance or inquiries, official correspondence should be sent to our mailing address: WALTON COUNTY TEACHERS FCU, DEFUNIAK SPRINGS, FL 32433-1416. If you have any questions or would like to learn more about how we can help you manage your finances better, feel free to reach out at 850-892-2024. We look forward to serving you! For more information about our services and offerings, visit us online at waltoncountyteachersfcu.com.

Branch History & Mission

Welcome to Walton County Teachers, a credit union with a rich history and a strong commitment to our community in Defuniak Springs, FL. Since opening our doors in 1961, we have dedicated ourselves to serving the financial needs of educators and their families, evolving alongside our members for over six decades. Located at Walton County Teachers Fcu, Defuniak Springs, FL 32433, our branch is easily accessible and surrounded by the warmth of our local community. Over the years, we have grown to support a membership of 2,611 individuals, providing them with trusted financial services and advice tailored to their unique needs. Our total assets have reached an impressive $25,666,003, reflecting our stability and dedication to responsible growth. At Walton County Teachers, we believe that banking should be more than just transactions; it's about building relationships. Our mission is clear: to empower our members through exceptional service while supporting local initiatives that strengthen our community. We offer a variety of personal banking services including checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. For businesses in our area, we provide merchant services and business loans designed to help them thrive. While members can visit us at Walton County Teachers Fcu for all their banking needs during lobby hours from 8:30 AM to 5:00 PM on weekdays, official correspondence should be sent to WALTON COUNTY TEACHERS FCU, DEFUNIAK SPRINGS, FL 32433-1416 if it differs from the branch address. We take pride in embracing technology for your convenience. Our branch offers online and mobile banking options that include e-statements and mobile payments. With ATM access available and drive-thru banking for quick transactions, we ensure that managing your finances is both easy and efficient. Community involvement is at the heart of what we do. We partner with local organizations to support educational programs and events that uplift our youth and enhance the quality of life in Walton County. By choosing Walton County Teachers as your financial partner, you're not just gaining access to excellent financial products; you're also contributing to a greater cause. Join us today at Walton County Teachers! Experience firsthand how we can assist you in reaching your financial goals while fostering a stronger community together. For more information or assistance, feel free to call us at 850-892-2024 or visit our website at waltoncountyteachersfcu.com. We look forward to welcoming you into the Walton County Teachers family!

Branch Location & Accessibility

Accessibility Features

We prioritize making banking easy for everyone. Our facility is ADA compliant, featuring ramps and designated parking spaces for those who need them. You'll find ample parking available right outside our doors, ensuring that your visits are as hassle-free as possible.

Call to Action

So why wait? Come visit us at Walton County Teachers today or give us a call at 850-892-2024. Our friendly staff is eager to assist you with all your banking needs! Experience the difference that a community-focused credit union can make in your financial journey.

Operating Hours

Our doors are open Monday through Friday from 8:30 AM to 5:00 PM, providing plenty of time during the week for you to come in and speak with our knowledgeable team. If you can't make it during these hours, remember we also offer ATM services for your convenience.

Services Offered

At Walton County Teachers, we believe in providing a comprehensive suite of services tailored to meet your needs. From checking and savings accounts to competitive auto loans and credit cards with rewards, we're committed to helping you achieve your financial goals. Plus, our drive-thru service makes it easy to handle simple transactions without leaving your car!

Member Eligibility

At Walton County Teachers, we believe in building a community where everyone can thrive together. Becoming a member is simple and rewarding! If you live, work, or attend school in Walton County or are affiliated with the educational sector, you're already eligible to join our family. We welcome all who share our commitment to supporting one another financially and socially. By becoming a member, you'll enjoy exclusive benefits like competitive rates on loans and savings accounts, personalized service, and access to online banking tools that make managing your finances easier. To learn more about the specific eligibility requirements and how to become a member, feel free to visit our website at waltoncountyteachersfcu.com. If you have any questions or need assistance, don't hesitate to give us a call at 850-892-2024. We're here to help you take the first step towards joining our vibrant community at Walton County Teachers located at Walton County Teachers Fcu Defuniak Springs Fl 32433!

Business Banking & Commercial Services

Business Loans That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no member or non-member commercial loans to report, we are eager to provide flexible financing options when the time comes. Our goal is to empower entrepreneurs and established businesses alike, ensuring they have access to the funds necessary for expansion, equipment purchases, or even operational costs.

Practical Merchant Services

In addition to our loan offerings, we provide essential merchant services designed to simplify transactions for your business. Imagine being able to accept payments seamlessly from customers whether in-person or online giving you more time to focus on what you do best. With our services, businesses can enhance their cash flow and improve customer satisfaction. We invite you to visit us at Walton County Teachers Fcu, located at Walton County Teachers Fcu Defuniak Springs Fl 32433. Together, let's pave the way for your business success! For inquiries, feel free to call us at 850-892-2024 during our operating hours of 8:30 AM - 5:00 PM.

Comprehensive List Of Services

ATM Services

With our ATM and cash withdrawal services available at various locations, accessing your funds is simple and straightforward. Plus, our basic drive-thru banking allows you to complete deposits and withdrawals without leaving your car a perfect solution for busy days!

Business Banking

For entrepreneurs, we offer robust business banking services including merchant services and business loans. Running a small business can be challenging, but with our support, you can focus on what matters most growing your business.

Credit Cards

Our credit cards come with rewards that can benefit you in many ways. Whether it's earning points on everyday purchases or getting cash back, our credit card options are designed to provide value while giving you the purchasing power you need.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide comprehensive online and mobile banking solutions. You can manage your accounts anytime, anywhere, whether it's checking balances, transferring funds, or paying bills all from the comfort of your home or on the go.

Loans and Financing

If you're considering purchasing a vehicle or refinancing your home, we offer competitive auto loans and mortgage loans. Our team understands that each member's situation is unique, so we work with you to find the best financing option. You can also explore personal loans for debt consolidation or unexpected expenses because life happens, and we're here to help.

Member Support

Should you have any questions or need assistance with any of our services, don't hesitate to reach out! You can contact us at 850-892-2024 during our operating hours from 8:30 AM to 5:00 PM, Monday through Friday. We're here to ensure that every interaction with Walton County Teachers is pleasant and productive. We invite you to explore all that we have to offer at Walton County Teachers Fcu. Visit us today at Walton County Teachers Fcu Defuniak Springs Fl 32433, where our team is ready to assist you in achieving your financial dreams!

Personal Banking

Whether you're looking to open a checking or savings account, our personal banking services are tailored just for you. With options that fit various lifestyles, you can enjoy the flexibility and convenience of managing your finances. Imagine having a checking account that allows you to easily track your spending or a savings account that helps you reach your financial goals faster.

Digital & Online Banking

Key Features

Our online banking services come with features that prioritize both ease of use and security. For example, you can sign documents securely through electronic signature authorization, ensuring that your transactions are fast and reliable. If you prefer to go paperless, e-statements are available to help you track your finances without the clutter. With our mobile application, banking is literally at your fingertips! Whether you're checking your balance or transferring funds between accounts, everything is just a tap away. And if you're looking to send money quickly to friends or family, our person-to-person transfer feature allows you to do so in real-time no need for cash or checks.

Mobile Payments and Accessibility

In today's world, making payments on the go is crucial. That's why we offer mobile payments as part of our services. You can easily pay bills or make purchases directly from your smartphone. Plus, with 24/7 online banking access, you never have to worry about bank hours; manage your account whenever it suits you. At Walton County Teachers, we strive to provide a user-friendly experience while keeping your information secure. Our digital banking services not only save you time but also give you complete control over your financial life. Join us today and discover how easy banking can be!

Financial Strength

A Growing Community

With a total of 5,087 share accounts, Walton County Teachers has built a strong and growing member base that trusts us with their finances. This trust enhances our ability to continue serving you with confidence. In conclusion, our financial strength means we can keep supporting your needs now and in the future. Whether you're saving for something special or looking for ways to borrow wisely, Walton County Teachers is your trusted partner. Visit us at Walton County Teachers Fcu Defuniak Springs Fl 32433 or call us at 850-892-2024 to learn more about how we can help you achieve your financial goals.

Commitment to Member Success

We have $2,439,079 in undivided earnings, which allows us to reinvest in innovative banking tools and stronger lending options to serve our members better. With $14,635,600 in total loans and leases, including $2,412,741 in used auto loans, our lending capacity supports your financial goals across various sectors.

Efficient Operations and Dedicated Team

Our efficient operations are reflected in our net income of $0, allowing us to keep offering competitive loan rates and solid financial products tailored for you. We pride ourselves on having 7 full-time employees who are dedicated to providing excellent service every day.

Secure Savings Options

Your savings are in safe hands at Walton County Teachers. We currently hold $1,027,151 in share certificates and $1,111,663 in money market shares, both of which provide stable and rewarding financial growth opportunities for our members. Unlike traditional banks, we prioritize our members by ensuring that our resources focus on benefiting you through better loan rates and exclusive perks.

Strong Net Worth and Capital Foundation

With a net worth of $2,447,094, we maintain robust financial health. This strength allows us to offer better rates, lower fees, and enhanced services to our valued members. Our net worth ratio of 9.53% 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 $3,642,748 in used vehicle loans and $6,549,879 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, our competitive rates make it easier for you to drive away with confidence.

Credit Lines and Credit Cards

For those looking for flexibility in managing expenses, we provide total credit lines of $1,000,000. Additionally, we also offer flexible terms on unsecured credit card loans, with a total of $355,815 in loans helping members manage their finances effectively. Our credit cards come with rewards and are designed to give you more control over your spending while offering benefits that suit your lifestyle. If you're considering refinancing any of your existing loans or exploring eligibility options for our loan products, our knowledgeable team is ready to assist you every step of the way. For more information about our loan offerings or to start your application process today, feel free to contact us at 850-892-2024 or visit us at our branch located at Walton County Teachers Fcu Defuniak Springs Fl 32433. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Walton County Teachers, we're dedicated to providing personalized service and solutions tailored to your financial needs. Let's work together toward achieving your financial aspirations!

Mortgage Loans

Thinking about homeownership? While we currently do not have Junior Lien 1-4 Family Residential Properties loans available totaling $0, our team is here to guide you through the mortgage process and help you explore refinancing options that could benefit your situation. We aim to simplify the home-buying experience so you can focus on creating memories in your new space.

Loan Aggregator

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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 approach ensures that you receive fair and transparent offers. Each lender's information is regularly updated to reflect current market conditions, giving you reliable insights when comparing loan options.