We Florida Financial Margate FL Credit Union | Affordable Auto Loans & Low Mortgage Rates

Introduction

Welcome to We Florida Financial, your trusted partner in Margate, FL! Located at 1982 N State Road 7, our credit union has been serving the community since 1953. With a strong commitment to our members, we currently support over 44,500 members and manage total assets exceeding $754 million. Our team is dedicated to providing you with the financial services you need to thrive, whether you're looking for personal banking solutions like checking and savings accounts or financing options for your next vehicle. While members can visit us at our branch in Margate, official correspondence should be sent to our mailing address: PO Box 14548, Fort Lauderdale, FL 33302. Our experienced staff is here to help you navigate your financial journey with ease. Under the leadership of CEO William Spearman and Board President Mary Ann LaRock, we strive to create a welcoming environment where everyone feels valued. At We Florida Financial, we offer a range of services tailored to meet your needs: from auto loans and mortgages to business banking solutions and online services. With total deposits of $66 million and cash in hand amounting to $3.9 million, we have the resources needed to support your financial goals confidently. As part of our mission, we are not just about numbers; we aim to make a positive impact in the community through various initiatives that benefit our members and neighbors alike. If you're ready to take the next step towards achieving your financial dreams, reach out today at (954) 745-2400 or visit us online at We Florida Financial. We look forward to welcoming you into our family!

Branch History & Mission

Connect with Us

We invite you to experience the benefits of membership with We Florida Financial. Our dedicated team is here to assist you during our operating hours: Monday, Wednesday, and Thursday from 9 AM to 4:30 PM; Tuesday from 10 AM to 4:30 PM; Friday from 9 AM to 6 PM; and Saturday from 9 AM to 1 PM. With both ATM availability and drive-thru banking services at your disposal, accessing your funds has never been easier. Join us on this journey of financial empowerment! Reach out at 954-745-2400 or visit us online at wefloridafinancial.com to learn more about how we can help you achieve your financial goals today!

Our Journey

Since our inception, We Florida Financial has grown significantly. With a total membership of 44,514 and assets totaling an impressive $754,631,205, we have become a cornerstone of financial wellness for families and businesses alike in Margate and beyond. From humble beginnings, we've embraced innovation while staying true to our mission of providing exceptional service and support to our members. Our journey has been marked by key milestones that reflect our commitment to serving the community. The introduction of online banking options and mobile applications ensures that you can manage your finances conveniently from anywhere. We also prioritize accessibility with ADA-compliant facilities and services.

Our Mission

At We Florida Financial, our mission is clear: we strive to empower our members through personalized financial solutions while actively supporting local initiatives. We understand that every member has unique needs whether it's personal banking services like checking and savings accounts, auto loans, or business financing options. Moreover, we believe in giving back. Our partnerships with local organizations allow us to invest in the community's growth and wellbeing. Together, we aim to create a supportive environment where everyone can thrive financially. While members can visit us at 1982 N State Road 7, official correspondence should be sent to PO Box 14548, Fort Lauderdale, FL 33302.

Branch Location & Accessibility

Get in Touch!

Should you have any questions or need assistance, don't hesitate to call us at 954-745-2400. We invite you to come visit us at our Margate location where our team is ready to help you navigate your financial needs with care and expertise. While members can visit us at 1982 N State Road 7 Margate Fl 33063, official correspondence should be sent to PO Box 14548 in Fort Lauderdale if needed. Come experience the welcoming service at We Florida Financial your trusted partner in banking!

Nearby Landmarks and Accessibility

Nestled close to local favorites like the Margate Community Center and just a short drive from the bustling shops along State Road 7, our branch is in a prime location. Parking is ample and accessible, making it simple for everyone to visit us. Our facility complies with ADA standards, ensuring that all members can easily access our services.

Operating Hours and Services

We understand that banking needs vary, which is why we offer flexible operating hours. You can drop by on Monday, Wednesday, or Thursday from 9 AM to 4:30 PM; on Tuesday from 10 AM to 5 PM; or on Friday when we're open until 6 PM. If you're looking to visit us on Saturday, you're welcome from 9 AM to 1 PM! At We Florida Financial, we provide a wide range of services designed to support your financial journey. From personal banking options such as checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Our drive-thru service makes quick transactions easy perfect for those busy days when you're on the go. Additionally, we offer shared service center transactions for partner credit union members.

Member Eligibility

At We Florida Financial, we believe that everyone deserves a chance to be part of a supportive community. Becoming a member is easy and welcoming! If you live, work, or worship in our service area, you're likely eligible to join us. We proudly serve individuals and families who are looking for a financial partner that prioritizes their needs. Membership not only gives you access to a range of financial services but also connects you with a community focused on growth and support. To get started on your journey with We Florida Financial, simply visit us at our branch located at 1982 N State Road 7 Margate Fl 33063 or give us a call at (954) 745-2400. For detailed eligibility information, check out our website at . And when you're ready to open an account, you can easily apply online through this link: https://wefloridafinancial.com/apply-for-loan . Joining us means more than just banking; it's about being part of something bigger!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $58 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $164,964, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services designed to streamline daily operations. Imagine a local café that can process payments quickly and securely, enhancing customer satisfaction while simplifying bookkeeping. Our services help you focus on what matters growing your business. Visit us at 1982 N State Road 7 Margate Fl 33063 in Margate or call us at (954) 745-2400 to explore how our business banking and commercial services can support your entrepreneurial journey!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're in the market for a new car, our auto loans and vehicle financing options make it easy to get behind the wheel. We provide competitive rates and flexible terms so you can find the perfect fit for your budget. Picture driving off in your dream car without the stress of complicated financing!

Business Banking

For entrepreneurs and business owners, we offer specialized services under our business banking umbrella. From merchant services that streamline transactions to tailored business loans, we support local businesses in growing their operations.

Convenient Access

We also prioritize convenience for all members by offering essential services such as ATM access, including basic cash withdrawal services and balance checks. If you prefer face-to-face interactions but are short on time, our drive-thru banking allows quick deposits and withdrawals without leaving your vehicle. In addition to these offerings, we also facilitate basic shared branch transactions for partner credit union members, ensuring that everyone has access to necessary banking services when they need them. At We Florida Financial, we're dedicated to providing accessible financial solutions that meet the diverse needs of our community in Margate. With our engaging online platforms and welcoming physical branch atmosphere, managing your finances has never been easier. Feel free to reach out at 954-745-2400 if you have any questions or would like assistance with any of our services. Visit us today and see how we can support your financial journey!

Credit Cards with Rewards

Don't forget about our credit cards with rewards! Earn points on everyday purchases that can lead to travel perks or cash back. It's like getting rewarded for spending wisely!

Mortgage Loans & Refinancing

Thinking about buying a home? Our mortgage loans and refinancing services will help turn that dream into reality. We guide you through the process, making it simple and straightforward. Whether it's your first home or an investment property, we're here to help you secure the best mortgage solution.

Personal Banking

Starting with personal banking, we offer various checking and savings accounts tailored to fit your lifestyle. Whether you're saving for a rainy day or simply need a reliable checking account for daily transactions, we have you covered. Imagine having the freedom to access your funds anytime with our robust online and mobile banking options. You can check balances, make transfers, and even pay bills right from your phone or computer.

Personal Loans & Debt Consolidation

For those unexpected expenses or if you're looking to simplify your finances, our personal loans can provide quick solutions. Additionally, if debt has been weighing you down, consider our debt consolidation options to manage payments more efficiently.

Digital & Online Banking

Key Features

You can also enjoy the convenience of E-Statements, which allow you to view your account statements digitally rather than waiting for them to arrive in the mail. This not only saves trees but also helps you stay organized by keeping all your financial documents in one secure place. Plus, we offer Electronic Signature Authorization, making it easier than ever to sign important documents without needing to print anything out. For those who love mobile banking, our Mobile Application offers features like Mobile Payments, so you can make quick purchases directly from your phone. Additionally, with Person-to-Person Transfers, sending money to friends or family is just a few taps away. Security is a top priority at We Florida Financial. We ensure that all transactions are protected with advanced encryption technology, giving you peace of mind while you manage your finances online. Whether you're checking your balance late at night or transferring funds while waiting in line, our digital banking services put you in control. Visit us online today at https://wefloridafinancial.com/ and experience the convenience of banking at your fingertips!

Financial Strength

A Growing Community of Trust

Total Share and Deposit Accounts: 94,528, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments stand at $0. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, We Florida Financial is your trusted partner. Visit us at 1982 N State Road 7 Margate Fl 33063 or call (954) 745-2400 to learn more about how we can help you achieve your financial goals.

Commitment to Operational Excellence

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 124 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Member-Centric Savings Options

Members' savings are secured through $296,710,535 in share certificates and $39,542,351 in money market shares, 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.

Reinvesting in Your Future

With $40,183,464 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 $5,994 in used auto loans and $585,559,471 in total loans and leases.

Solid Financial Foundation

With a net worth of $77,685,849, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,025 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. We have already issued over $118,719,499 in used vehicle loans and $57,545,201 in new vehicle loans, helping members get on the road with confidence. Whether you're interested in financing a brand-new vehicle or a reliable used option, our team is here to assist you every step of the way.

Business Loans

For business owners looking to expand or start new ventures, our outstanding commercial loans totaling $164,964 provide essential capital. We understand the unique challenges that businesses face and strive to support local entrepreneurs with tailored financial solutions. In addition to these offerings, we also have refinancing options available for those who want to adjust their current loans for better terms or lower payments. If you're curious about your eligibility or would like more information on any of our loan products, don't hesitate to reach out! You can contact us at 954-745-2400 or visit us at our branch located at 1982 N State Road 7 Margate FL 33063. We're here to help you explore all your options and find the best fit for your financial journey. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Credit Card Loans

Managing day-to-day expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans. With a total of $16,361,533 in unsecured credit card loans available, our options help members effectively manage their finances while enjoying benefits like rewards and low-interest rates.

Mortgage Loans

Thinking about homeownership? Our mortgage options are designed for simplicity and ease. We offer Junior Lien 1-4 Family Residential Properties loans totaling $57,101,748, making buying or refinancing straightforward. Our knowledgeable staff will guide you through each part of the process so that you can feel secure in your decision.

Loan Aggregator

Benefits of Using LendMesh

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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 commitment to quality ensures that users receive fair and transparent offers. Every lender featured on LendMesh has undergone a rigorous verification process to guarantee the legitimacy of their loan products.

WE FLORIDA FINANCIAL CREDIT UNION - Margate, FL