Wayne County Community Credit Union Smithville OH | Best Auto Loans & Business Banking

Introduction

At Wayne County Community, we believe in building a strong financial future for our members and the community. Located at 311 Kaufman Drive, Smithville, OH 44677, our credit union has been serving local families since 1966, and we pride ourselves on being more than just a financial institution; we're your trusted partner in reaching your goals. With a total membership of 4,683 and assets amounting to $48,536,697, we are committed to providing exceptional services tailored to meet the needs of our members. Whether you're looking for auto loans, mortgage options, or personal banking solutions, we offer a wide range of services that help you navigate your financial journey smoothly. In fact, we have successfully facilitated over 1,530 loans and leases to date! Our leadership team is dedicated to fostering a welcoming environment where everyone feels valued. Led by CEO Timothy Csuti and Board President Wilbert Moss, our staff works diligently to ensure that your banking experience is nothing short of excellent. With 11 employees on hand, we're here to assist you every step of the way. While members can visit us at our branch for in-person support, official correspondence should be sent to PO BOX 214, Smithville, OH 44677 if needed. Our operating hours are from 9 AM to 5 PM Monday through Friday and 9 AM to 1 PM on Saturdays, making it convenient for you to reach us when it suits you best. We invite you to explore everything we offer by visiting our website at wccfcu.com. Whether you're interested in opening an account or learning more about our services, we're here for you! Don't hesitate to call us at 330-669-2117 if you have any questions or need assistance. Let's work together towards a brighter financial future!

Branch History & Mission

Join Us!

As we continue to grow and adapt to the changing needs of our members and the community, we invite you to join Wayne County Community. Experience firsthand how dedicated service combined with innovative financial solutions can make a difference in your life. Together, let's build a brighter financial future! For more information or to become a member today, please call us at (330) 669-2117 or visit us online at wccfcu.com.

Our Journey

Wayne County Community has always been more than just a financial institution; it is a pillar of support within Smithville. From our humble beginnings, we have grown significantly, now boasting total assets of approximately $48.5 million. We have reached this impressive milestone through dedication to service and by offering tailored financial solutions that meet the unique needs of our community. Our operating hours reflect our commitment to accessibility: we are open from 9 am to 5 pm Monday through Friday, and from 9 am to 1 pm on Saturdays for drive-thru banking. While members can visit us at our physical location, we also embrace modern conveniences with online banking options, ensuring that you can manage your finances anywhere.

Our Mission

At Wayne County Community, our mission is straightforward: we strive to enhance the financial well-being of our members while contributing positively to the community. We believe in providing personal banking services such as checking and savings accounts as well as loans for vehicles, mortgages, and personal needs all designed with you in mind. We also understand that supporting the community goes beyond just financial transactions. Through various outreach initiatives and partnerships, we actively work towards improving the lives of those around us. This mission is deeply ingrained in every aspect of our operations. While official correspondence should be sent to PO BOX 214, Smithville, OH 44677, we welcome everyone to visit us at our branch for all your banking needs. We are equipped with drive-thru services for quick transactions and are committed to maintaining ADA compliance for all our facilities.

Branch Location & Accessibility

Welcome to the Wayne County Community branch located at 311 Kaufman Drive in beautiful Smithville, Ohio! Our branch is designed with your convenience in mind, making it easy for you to access all of our financial services. Nestled near local landmarks, we are just a stone's throw away from the bustling heart of Smithville, ensuring that you can easily find us whether you're running errands or enjoying a day out. At Wayne County Community, we strive to make your visit as smooth as possible. Our branch features ample parking and ADA-compliant accessibility options, including ramps to ensure everyone can enter comfortably. If you prefer drive-thru banking, we have you covered with our dedicated service lane, allowing for quick deposits and withdrawals without leaving your vehicle. Our friendly team is here to assist you Monday through Friday from 9 AM to 5 PM and on Saturdays from 9 AM to 1 PM. Whether you're looking to open a new checking account, apply for an auto loan, or simply chat about your financial goals, we're ready to help! While members can visit us at our branch location, please remember that official correspondence should be sent to our mailing address at PO BOX 214, Smithville, OH 44677. With no ATM available at this location but convenient drive-thru service provided, you'll find that banking with us is straightforward and efficient. For any questions or assistance, feel free to reach out to us at (330) 669-2117. We look forward to welcoming you into our community!

Member Eligibility

At Wayne County Community, we believe that everyone deserves a supportive financial community. Becoming a member is simple and welcoming! If you live, work, or worship in Wayne County, or have family members who do, you're likely eligible to join us. Membership opens the door to a range of services designed to empower your financial journey, from checking and savings accounts to auto loans and credit cards with rewards. We strive to make banking personal and accessible for all our members. To start your membership journey, just visit us at our branch located at 311 Kaufman Drive, Smithville, OH 44677, or give us a call at 330-669-2117. You can also check out our eligibility criteria for more details on who can join by visiting this link. Ready to become a member? The account opening process is easy and can be done online here. We can't wait to welcome you to our community!

Business Banking & Commercial Services

Commercial Loans That Fuel Growth

Imagine having the financial resources to expand your operations, invest in new equipment, or hire additional staff. 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 funded, we are dedicated to exploring opportunities to assist local entrepreneurs.

Practical Merchant Services

Beyond loans, we offer merchant services designed to simplify transactions and enhance customer experiences. Picture your customers paying seamlessly with various options whether in-store or online. This flexibility not only boosts sales but also builds loyalty as clients appreciate the convenience of doing business with you. Located at 311 Kaufman Drive, Smithville, OH 44677, we invite you to explore how Wayne County Community can be a partner in your business journey. Let's work together to turn your vision into reality!

Comprehensive List Of Services

Business Banking Services

If you're a business owner, our business banking services can give you the edge you need. We offer merchant services that simplify payment processing and business loans tailored to support your growth. At Wayne County Community, we believe that helping local businesses thrive strengthens our community as a whole.

Credit Options Tailored for You

At Wayne County Community, we understand the importance of having access to credit when you need it most. Our credit cards with rewards not only provide purchasing power but also allow you to earn points on everyday spending. This is just one way we make banking rewarding for our members.

Digital Banking Made Easy

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking options that allow you to manage your accounts from anywhere at any time. With features like electronic signatures and e-statements, staying on top of your finances has never been easier. Plus, if you ever need cash, our basic drive-thru banking service makes deposits and withdrawals quick and hassle-free.

Personal Banking Solutions

Our personal banking services are crafted to help you manage your finances effortlessly. Whether you're looking to open a checking or savings account, we have options that fit your lifestyle and help you achieve your financial goals. If you need a new vehicle, our auto loans and vehicle financing are designed with competitive rates and flexible terms, making it easier for you to hit the road in style. For those considering homeownership or refinancing, our mortgage loans come with personalized support to guide you through every step. We also offer personal loans and debt consolidation solutions, giving you the flexibility to fund life's big moments or consolidate existing debts into manageable payments.

Your Community Financial Partner

We invite you to visit us at Wayne County Community or give us a call at (330) 669-2117 during our operating hours from 9 AM to 5 PM Monday through Friday, and from 9 AM to 1 PM on Saturdays for drive-thru service. Discover how our wide array of services can help empower your financial future today! Whether you're looking for personal banking solutions or need assistance with business financing, we're here for you every step of the way. Come see how easy it is to bank with us!

Digital & Online Banking

Key Features

One of the standout features is our electronic signature authorization. This allows you to sign documents securely from the comfort of your home, saving you time and trips to the branch. Plus, with e-statements available, you can go paperless and keep track of your transactions effortlessly. For those who love using their smartphones, our mobile application is here for you. It provides all the functionalities of online banking right in your pocket. While mobile payments aren't currently offered, we do provide person-to-person transfers that allow you to send money quickly to friends or family directly from the app.

Security and Ease of Use

Security is a top priority at Wayne County Community. Our online banking platform utilizes strong encryption measures to protect your information. You can bank with peace of mind knowing that your data is safe. Our user-friendly design ensures that whether you're tech-savvy or not, you'll find navigating through your accounts simple and intuitive. Real-time account management means you'll always know where your finances stand. In summary, Wayne County Community is committed to providing you with easy access to your accounts while keeping them safe. Join us today and take advantage of our digital banking solutions!

Financial Strength

At Wayne County 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 pride ourselves on our strong financial foundation, which allows us to serve you with confidence and care. With a net worth of $5,282,205, we maintain robust financial health, enabling us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.88% 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 $4,670,114 in share certificates and $11,048,819 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. This means that with non-member deposits at $0, our resources are focused solely on benefiting you through better loan rates, lower fees, and exclusive perks. With $5,101,230 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is reflected in the $15,574,279 in total loans and leases. This includes $432 in used auto loans that support our members' financial goals across various sectors. Our commitment to operational efficiency is evident with a net income of $151,063, allowing us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 10 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable team. Total Share Accounts stand at 7,749, showing a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) amount to $15,564, further reinforcing our capability to meet your needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Wayne County Community is your trusted partner. Visit us at 311 Kaufman Drive Smithville OH 44677 or call 330-669-2117 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $5,205,942 in used vehicle loans and $1,690,326 in new vehicle loans already helping members get on the road. Whether you're looking for financing for a brand-new model or a reliable used vehicle, we've got you covered.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $940,608 in loans helping members manage their finances effectively. Our credit card options come with rewards that can benefit your everyday spending.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,664,846, make buying or refinancing simple. We provide personalized service to guide you through the process and ensure that you find the right mortgage solution for your needs.

Other Financing Options

In addition to auto and mortgage loans, we provide credit lines totaling $9,707,339 that can help with larger purchases or unexpected expenses. This way, you have access to funds when you need them most. If you're considering refinancing any existing loans or would like more information on eligibility options for our loan products, feel free to reach out. For more details about our loan offerings or to start your application process today, contact us at 330-669-2117 or visit us at 311 Kaufman Drive Smithville, OH 44677. 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 Wayne County Community, we're here to support your financial journey every step of the way!

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WAYNE COUNTY COMMUNITY FEDERAL CREDIT UNION - Smithville, OH

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