Wepco Credit Union Oakland MD | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Wepco, your trusted financial partner in the heart of Oakland, Maryland! Since our establishment in 1950, we have been dedicated to serving our community with integrity and a personal touch. Located at 12826 Garrett Hwy, Oakland, MD 21550, our branch is more than just a place for transactions; it's where relationships are built, and dreams take flight. At Wepco, we pride ourselves on being a credit union that truly cares about its members. With a robust membership of over 40,839 individuals and total assets exceeding $371,995,580, we offer a wide range of services tailored to meet your needs. Whether you're looking for checking and savings accounts, auto loans, mortgages, or business banking solutions, we've got you covered. Our commitment to your financial health is reflected in our total deposits of $81,653,891 and loans totaling 15,195. Led by our compassionate CEO Becky McKenzie and Board President Mark Alexander, our team of 72 employees is here to assist you every step of the way. We understand that banking can be complex, which is why we strive to make it simple and accessible. Plus, with convenient services like online and mobile banking, you can manage your finances anytime and anywhere. While members can visit us at 12826 Garrett Hwy, official correspondence should be sent to our mailing address: P.O. Box 614, Oakland, MD 21550. Feel free to reach out at 301-334-1431 or explore our offerings on our website at wepcofcu.com. Join us at Wepco today let's achieve your financial goals together!

Branch History & Mission

The journey of Wepco Credit Union, known locally as the Oakland Branch, began in 1950. Since opening its doors at 12826 Garrett Hwy, Oakland, MD 21550, Wepco has become a trusted financial partner for thousands of community members. With a mission rooted in service and support, we have grown to serve over 40,000 members and hold total assets of $371,995,580. Wepco was established with the vision of providing reliable financial services to individuals and families in our area. Over the years, we have evolved alongside our community, adapting to their needs while staying true to our core values. Our commitment goes beyond just banking; we strive to empower our members through education and access to resources that foster financial wellness. Our headquarters is located in Bloomington, MD, but our heart remains firmly planted in Oakland. We understand the importance of convenience for our members. That's why we offer ATM services and ensure that our operating hours from 9 a.m. to 5 p.m., Monday through Friday, cater to your busy schedules. While you can visit us at our branch location for all your banking needs, any official correspondence should be directed to P.O. Box 614, Oakland, MD 21550. At Wepco Credit Union, our mission is clear: to deliver exceptional financial services while supporting the community we call home. We provide a range of personal banking options including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. We also embrace technology by offering online and mobile banking services for easy access to your accounts. Community outreach is integral to who we are. We partner with local organizations and participate in events that uplift those around us. Whether it's sponsoring educational workshops or supporting local charities, we believe in giving back. We invite you to join Wepco Credit Union today and experience firsthand the benefits of being part of a community-focused institution. Together, let's build a financially secure future! For more information or to open an account today, please call us at 301-334-1431 or visit our website at wepcofcu.com.

Branch Location & Accessibility

Accessible Banking Services

At Wepco, we understand that accessibility matters. Our branch is designed to accommodate all members of the community, with ADA-compliant features ensuring easy access for everyone. While we don't have a drive-thru service available, we do provide ATM services for quick cash withdrawals and balance checks whenever you need them.

Come Visit Us!

We invite you to come by the Wepco Oakland Branch today! You can reach us at 301-334-1431 if you have any questions before your visit. Let us help you achieve your financial goals in a supportive and friendly environment where every member matters!

Conveniently Located

Our branch is conveniently situated near popular local landmarks, making it easy for you to stop by while running errands or enjoying the area. Whether you're visiting Deep Creek Lake or exploring the stunning scenery of the surrounding region, we're just a short drive away. Plus, we offer ample parking spaces and features that ensure everyone can visit us comfortably.

Friendly Operating Hours

We're here to serve you Monday through Friday from 9 a.m. to 5 p.m., so you can easily find a time that fits your schedule. Whether you're looking to open a checking account, apply for an auto loan, or simply ask questions about our services like online banking and personal loans, our dedicated team is ready to assist you.

Member Eligibility

Joining the Wepco community means becoming part of a supportive network that truly cares about its members. To become a member of Wepco, you'll find that eligibility is quite welcoming! If you live, work, worship, or attend school in Garrett County, Maryland, you're already on the right track. We also extend membership to family members of current Wepco members, ensuring that our benefits can support your loved ones too. You can learn more about the specific criteria and details by visiting this link. Once you've confirmed your eligibility, opening an account at Wepco is simple and straightforward. Our friendly team is here to guide you through every step of the process. Just give us a call at (301) 334-1431 or head over to our website for more information about account opening here. Our branch, located at 12826 Garrett Hwy Oakland Md 21550, is ready to welcome you and help you start enjoying all the fantastic benefits that come with being a member!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $4 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $188,180, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced market, having reliable payment solutions is crucial. Our merchant services allow you to accept payments easily and efficiently, whether in-store or online. This means you can focus on what truly matters growing your business and serving your customers. Located at 12826 Garrett Hwy Oakland Md 21550 in Oakland, MD, we invite local entrepreneurs to explore how our tailored banking solutions can meet their needs. Reach out to us at (301) 334-1431 or visit our website for more information!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

When it comes time to buy a new car or refinance your existing auto loan, look no further than our Auto Loans & Vehicle Financing services. We provide competitive rates and flexible terms, making it easier for you to drive away in the vehicle you desire without breaking the bank.

Business Banking Services

For our business members, we provide comprehensive Business Banking services including merchant services and business loans. We understand how vital it is to have reliable financial backing for your operations. Let us partner with you in growing your business effectively.

Credit Cards with Rewards

Enhance your spending power with our Credit Cards with Rewards program. Enjoy benefits like cash back or travel rewards every time you swipe your card. It's a simple way to earn while you spend on things you already purchase regularly.

Digital Banking Convenience

In today's fast-paced world, convenience is key. Our Online & Mobile Banking platforms empower you to manage your finances anytime, anywhere. Whether it's transferring funds between accounts or accessing ATM services without stepping out of your home, we've got you covered. Feel free to reach out at (301) 334-1431 if you have any questions about our offerings or need assistance setting up an account. At Wepco, we are committed to helping you achieve financial success! Visit us today and discover how we can serve all of your banking needs efficiently and conveniently!

Mortgage Loans & Refinancing

Thinking about purchasing a home? Our Mortgage Loans & Refinancing options can make the process straightforward and stress-free. With personalized service and expert advice, we help you navigate through various mortgage products suited for your unique situation. Picture yourself in your dream home, with manageable monthly payments that fit within your budget.

Personal Banking Solutions

We understand that managing your day-to-day finances can be challenging, which is why we offer Personal Banking options that include checking and savings accounts. These accounts not only help you manage your money but also allow you to plan for future goals. Imagine easily tracking your expenses or saving for that dream vacation all through our user-friendly online and mobile banking platforms.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, which is why we offer Personal Loans & Debt Consolidation solutions. Whether you're looking to cover medical bills or consolidate multiple debts into one easy payment, we're here to support you with clear terms and competitive rates.

Digital & Online Banking

Key Services

Our online banking platform provides a user-friendly experience, allowing you to check your balances, transfer funds, and pay bills without stepping foot in a branch. You can also enjoy the convenience of e-statements, which give you quick access to your account statements while helping the environment by reducing paper waste. Plus, with electronic signature authorization available, signing documents has never been simpler or more secure. For those who prefer using their smartphones, our mobile application is here to help. It allows you to manage your accounts right from your pocket. You can send money easily with person-to-person transfers, making it simple to split bills with friends or family. And if you're always on the move, our mobile payments feature lets you make purchases directly from your phone no need for cash or cards.

Security and Accessibility

We prioritize your security at every step. Our online banking services utilize advanced encryption technology to keep your information safe and private. Whether you're using our website or mobile app, you can have peace of mind knowing that your data is protected. In a world where time is precious, Wepco ensures that managing your finances is both accessible and efficient. Experience the ease of banking at your fingertips today! For more information about our digital offerings, visit us at https://www.wepcofcu.com/.

Financial Strength

Committed Team of Professionals

We also take pride in having 72 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts stand at 66,995, showcasing 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, Wepco is your trusted partner. Visit us at 12826 Garrett Hwy Oakland Md 21550 or call (301) 334-1431 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $59,051,335 in share certificates and $38,816,894 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 for Your Benefit

With $41,574,925 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This reinvestment allows us to continually improve our offerings and provide you with the best possible service.

Solid Financial Health

With a net worth of $53,869,493, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 14.43% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Goals

Our lending capacity supports members' financial goals across various sectors with $6,873 in used auto loans and $259,781,343 in total loans and leases. The success of our operations is reflected in our $1,674,963, which highlights our efficiency and ability to deliver competitive products tailored to your needs.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $129,040,934 in used vehicle loans and $56,959,484 in new vehicle loans already helping members get on the road. We make financing easy and accessible so you can focus on finding the perfect vehicle.

Business Loans

For business owners, our outstanding commercial loans totaling $188,180 provide the capital needed to grow and expand. We understand the unique challenges businesses face and are here to support your entrepreneurial goals. If you're considering refinancing any of these options or want to know more about eligibility requirements for our products, please don't hesitate to reach out. You can contact us at 301-334-1431 during our operating hours from 9 a.m. to 5 p.m., Monday through Friday. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit our website Wepco for more information or apply for a loan today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $4,112,937, make buying or refinancing simple. We are committed to helping you secure the right mortgage that fits your financial situation.

Unsecured Credit Lines

In addition to auto and mortgage loans, we also offer flexible terms on unsecured credit card loans. Although we currently have no outstanding unsecured credit card loans at this time, our products are designed to help you manage your finances effectively when you're ready.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: The platform only includes loan offers from established lenders, which helps maintain transparency in the comparison process. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. Instead, it focuses on delivering unbiased results that truly reflect current market conditions. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates gathered from multiple institutions, enabling informed decisions without delays. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness and reliability of this service. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

Ensuring Accurate Loan 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 ensures that all offers are fair and transparent. Each listed loan comes from legitimate financial institutions, providing a level of assurance that users can trust.

WEPCO FEDERAL CREDIT UNION - Oakland, MD

Compare Loan Rates Near You

Loan rates in Oakland, MD (21550)