Webster First Charlton MA Credit Union | Affordable Vehicle Loans & Quick Personal Loans

Introduction

Welcome to Webster First, your trusted credit union located at 20 Trolley Crossing Rd, Charlton, MA 01507. Established in 1934, we have proudly served our members for nearly a century, growing together as a community and providing exceptional financial services tailored to your needs. At Webster First, we believe in the power of community. With a total membership of 92,283 and total assets reaching an impressive $1,448,827,072, our commitment to helping you achieve your financial goals is stronger than ever. Our dedicated team of 214 employees is led by our CEO, John Thomasian, and Board President, Christopher Daoust, who are passionate about ensuring that each member receives personalized service. While members can visit us at our branch location, official correspondence should be sent to Route 20 Trolley Crossing, Charlton, MA 1507. We aim to make banking accessible and convenient with services like personal checking accounts, auto loans, mortgages, credit cards with rewards, and business banking options. With total deposits amounting to $31,296,104 and robust lending capabilities featuring over 26,109 loans and leases, we are here to support your financial journey every step of the way. As part of our dedication to transparency and member empowerment, we maintain a strong net worth of $261,871,848 and have cash in hand totaling $5,138,913, ensuring that we are always prepared to meet your financial needs. We invite you to explore everything Webster First has to offer by visiting our website at Webster First or calling us at 508-248-4343. Join us today in building a brighter financial future together!

Branch History & Mission

Join Us

As we look towards the future, we invite you to become a part of the Webster First family. Experience firsthand how our commitment to service can make a difference in your life. Whether you're new to banking or looking for better options for your financial future, we're here for you every step of the way. Feel free to reach out by calling us at 508-248-4343 or visit our website at websterfirst.com for more information about membership eligibility or to explore our offerings further. Together, let's build a brighter financial future!

Our Mission

At Webster First, our mission is clear: we strive to empower our members through accessible financial services while actively supporting the community around us. We believe in building relationships based on trust and transparency, ensuring that everyone who walks through our doors feels valued and understood. While you can visit us at 20 Trolley Crossing Rd, for official correspondence, please direct your mail to Route 20 Trolley Crossing, Charlton, MA 1507 if different from your visit address. We take pride in offering a range of services designed with you in mind from checking and savings accounts to auto loans and mortgages. Our digital advancements allow for easy online banking and mobile payments, ensuring that managing your finances is as convenient as possible. Additionally, we're ADA compliant and dedicated to creating an inclusive environment for all. Community involvement is at the heart of what we do. Through partnerships with local organizations and outreach programs, we work tirelessly to uplift those around us. Every initiative is rooted in our desire to give back and foster a thriving community.

Branch Location & Accessibility

Accessibility Features

At Webster First, we prioritize accessibility for all our members. Our branch is designed with ADA compliance in mind, ensuring that everyone can navigate our facilities comfortably. You'll find ample parking available right outside the entrance, along with ramps for easy access.

Operating Hours

We know your time is valuable! That's why we offer flexible operating hours to accommodate your schedule. Our lobby is open from 8:30 AM to 4:00 PM on Monday and Tuesday; Wednesday we welcome you until 12:00 PM; Thursday extends our hours until 7:00 PM; and on Friday, we're here until 5:00 PM.

Services Offered

Our branch offers a wide range of services tailored to meet your banking needs. From checking and savings accounts to auto loans and mortgage refinancing, we have you covered. Enjoy the convenience of ATM services available on-site and drive-thru banking for quick transactions without leaving your car. Plus, if you're a member of a partner credit union, take advantage of our shared services for deposits and withdrawals. Feel free to reach out at 508-248-4343 if you have any questions or need assistance before your visit. We invite you to come see how Webster First can help you with all your financial needs today!

Member Eligibility

At Webster First, we believe that everyone deserves a financial partner who cares, and becoming a member is your first step into our welcoming community. If you're looking to join us, you'll find that eligibility is straightforward. Residents of Worcester County or those who work, worship, or attend school in the area are all welcome to apply. This means you can enjoy all the benefits we offer, from competitive rates on loans to exceptional customer service tailored just for you. To learn more about our specific eligibility requirements, feel free to visit our detailed page at https://www.websterfirst.com/about/become-a-member/. Opening an account with us is easy and convenient. You can start the process by giving us a call at (508) 248-4343, or simply head over to our account opening page for more information on how to get started online. With locations like ours at 20 Trolley Crossing Rd Charlton Ma 01507, we're here to support you every step of the way in your financial journey!

Business Banking & Commercial Services

Merchant Services That Make Sense

Beyond loans, we offer merchant services that simplify transactions for your business. Imagine a busy Saturday at your store customers are lining up, eager to make purchases. With our reliable payment processing solutions, you can efficiently handle sales without delays or issues. This means happier customers and more time for you to focus on growing your business. Let us partner with you at Webster First, located at 20 Trolley Crossing Rd Charlton Ma 01507. Together, we can navigate the journey of entrepreneurship and foster success in your endeavors. For more information, call us at (508) 248-4343 or visit our website.

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $433 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $7 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $252,185,545, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

For our business-minded members, we understand that managing finances is crucial for success. Our business banking services, including merchant services and business loans, help entrepreneurs like you thrive in today's market. Imagine having the support you need to grow your business while keeping your finances in check.

Convenient Access

We know that convenience is key in today's fast-paced world. That's why we offer basic drive-thru banking, making it easy for you to complete transactions such as deposits and withdrawals without leaving your car. Plus, if you're a member of a partner credit union, our shared branch transactions give you access to essential services right at your fingertips. In addition to these offerings, our commitment extends beyond traditional banking practices; we prioritize the digital experience so that managing your finances fits seamlessly into your life. For more information about any of these services or how we can assist you further, please don't hesitate to reach out at (508) 248-4343. Join us today at Charlton, where we strive to provide not just financial services but also peace of mind for all our members!

Credit Cards and Rewards

At Webster First, we believe in rewarding our members for their loyalty. Our credit cards with rewards allow you to earn points for every purchase you make. Whether it's dining out or shopping for groceries, these rewards can add up quickly!

Loans and Financing

If you're considering purchasing a new vehicle or refinancing your mortgage, look no further! We provide auto loans and vehicle financing designed to suit your budget and lifestyle. For those looking to consolidate debt or fund personal projects, our personal loans can be an excellent option. We also offer competitive mortgage loans and refinancing solutions that could save you money over time.

Personal Banking

When it comes to personal banking, we offer various options to fit every lifestyle. Our checking and savings accounts provide flexible solutions for managing your everyday finances. Imagine easily accessing your funds through our online and mobile banking services, allowing you to check balances or make transfers anytime, anywhere. Additionally, our ATM and cash withdrawal services ensure that you can get cash when you need it most.

Digital & Online Banking

Key Features

We also provide electronic signature authorization, making it easier for you to complete transactions without the hassle of paperwork. Plus, our e-statements feature allows you to view your account statements digitally, keeping everything organized and easily accessible. For those on the go, our mobile application is available for download, allowing you to perform transactions right from your smartphone. You can even enjoy mobile payments, making it simple to pay for purchases directly from your device. Need to send money quickly? Our person-to-person transfer feature lets you send funds to friends or family with ease no more waiting in line or dealing with checks. Everything about our digital banking services is designed with user-friendliness in mind. At Webster First, we prioritize security alongside convenience. Your information is protected with advanced security measures so you can bank confidently. Join us today and discover how easy managing your finances can be!

Financial Strength

At Webster First, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With our strong commitment to sound financial practices, we ensure that your money is safe and well-managed. With a net worth of $261,871,848, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 18.03% 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 $253,272,775 in share certificates and $55,771,803 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. With $240,268,106 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 $11,731 in used auto loans and a total of $1,142,784,132 in loans and leases. Our operations reflect our efficiency with a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 196 full-time employees and 18 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $7,306,890. Total Share and Deposit Accounts: 123,671, 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, Webster First is your trusted partner. Visit us at 20 Trolley Crossing Rd Charlton Ma 01507 or call 508-248-4343 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

Additional Options

For business owners, our outstanding commercial loans totaling $252,185,545 provide the capital needed to grow and expand your business. We believe in fostering local enterprises and ensuring they have access to resources that promote success. If you're considering refinancing any existing loans or exploring eligibility options for our products, don't hesitate to reach out. Our team at Webster First is ready to assist you with personalized advice and support tailored specifically for you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. If you're interested in learning more about any of these loan products or want to start your application process today, give us a call at (508) 248-4343 or visit us at 20 Trolley Crossing Rd Charlton Ma 01507 in Charlton, MA. Let's work together towards achieving your financial dreams!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $178,494,479 in used vehicle loans and $57,179,823 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new vehicle or opting for a reliable used model, we provide flexible financing solutions designed for every budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $80,068,156, make buying or refinancing simple. We understand that securing a mortgage is one of the most significant financial decisions you will make. That's why our team is here to guide you through every step of the process and help find the best fit for your situation.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $784,642 in loans helping members manage their finances effectively. This option is perfect for those looking to consolidate debt or cover unexpected expenses without putting up collateral.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

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Webster First