Wepco Credit Union Kingwood WV | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Wepco, your trusted financial partner located at 202 W Main St, Kingwood, WV 26537. Since our establishment in 1950, we have been dedicated to serving our community with a personal touch. With over 40,839 members and assets totaling an impressive $371,995,580, we pride ourselves on being a cornerstone of financial support in the area. At Wepco, we understand that every member's needs are unique. Whether you're looking for auto loans, mortgage solutions, or everyday banking services, our experienced team is here to help you navigate your financial journey. Our total loans and leases stand at 15,195, showcasing our commitment to providing accessible lending options tailored for you. Our leadership team, including CEO Becky McKenzie and Board President Mark Alexander, is passionate about fostering strong relationships with our members. We believe that your success is our success, and that's why we continually strive to enhance our services and offerings. While you can visit us directly at our branch for all your banking needs, official correspondence should be sent to the same address: 202 W Main St., Kingwood, WV 26537. If you need assistance or have questions, feel free to call us at 301-783-1045. We're here from 9 AM to 5 PM during weekdays to ensure you receive the help you deserve. Join us today and discover how Wepco can make a difference in your financial life! Visit our website at www.wepcofcu.com for more information on how we can assist you further.

Branch History & Mission

Join Us!

As you consider your financial future, we invite you to join Wepco and experience firsthand the benefits that come with being a member of our credit union family. With operating hours from 9 AM - 5 PM Monday through Friday, along with convenient ATM access available nearby, we're here when you need us most. Contact us today at 301-783-1045 or visit our website at Wepco for more information on how we can help you achieve your dreams. Together, let's build a strong financial foundation for you and your family!

Our Evolution

Wepco began its journey with a simple mission: to provide accessible financial services to those in need. From humble beginnings, we have continuously evolved to meet the changing needs of our members. Our commitment to excellence has allowed us to expand our offerings beyond traditional banking services. Today, we provide personal banking options such as checking and savings accounts, auto loans, mortgages, and business banking solutions. Our location in Kingwood allows us to connect with our members face-to-face while also embracing modern technology. We are proud to offer online and mobile banking services that empower our members to manage their finances conveniently from anywhere.

Our Mission

At Wepco, our mission is clear: we strive to enhance the financial lives of our members while supporting the growth and prosperity of our community. We focus on providing personalized service and a range of products designed to help you achieve your financial goals. Whether you're looking for an auto loan or planning for retirement, we are here every step of the way. Our commitment extends beyond financial services; we actively engage in community outreach efforts that make a difference in Kingwood and surrounding areas. We believe that by investing in our community, we can create a brighter future for everyone. While members can visit us at 202 W Main St, official correspondence should be sent to 202 W Main St., Kingwood, WV 26537 if necessary.

Branch Location & Accessibility

Convenient Access and Amenities

At Wepco, we understand the importance of accessibility. Our branch features ADA-compliant facilities to ensure everyone can enjoy a comfortable visit. While we do not have a drive-thru service, we provide ample parking nearby, allowing for easy access to our lobby. Our operating hours are designed with your convenience in mind; we're open from 9 AM to 5 PM Monday through Friday. This gives you plenty of time during the week to stop by after work or run errands on your lunch break.

Services Tailored for You

We offer a range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, you'll find everything you need right here at Wepco. Plus, our ATM is available for cash withdrawals and balance checks, ensuring you have quick access to your funds whenever you need them. Feel free to give us a call at 301-783-1045 if you have any questions or need assistance. We're excited to serve you and help you achieve your financial goals. Come visit us today!

Member Eligibility

Becoming a member of Wepco feels like joining a warm, welcoming family where your financial goals are truly valued. If you live, work, or worship in the Preston County area, you're likely eligible to join us! Our membership is open to those who share our commitment to supporting each other and building a strong community. You can find more details about the specific eligibility criteria on our website at https://www.wepcofcu.com/about-us/wepco-membership/. Opening an account with us is straightforward and designed to make you feel right at home. Once you're ready to join, just visit us at 202 W Main St Kingwood Wv 26537 or call us at (301) 783-1045 for assistance. We're excited to help you start your journey with Wepco, where you'll enjoy personalized service and a variety of financial products tailored just for you! For even more information about how to open an account, check out this link: https://www.wepcofcu.com/member-loans/apply-for-a-loan/.

Business Banking & Commercial Services

Lending 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 addition to our loan options, we offer merchant services tailored for your needs. Imagine being able to process payments effortlessly while focusing on what you do best running your business. Our services ensure that you can accept payments quickly and securely, giving you more time to connect with your customers. Visit us at 202 W Main St Kingwood Wv 26537 in Kingwood, WV, or call us at (301) 783-1045 to learn more about how we can help your business thrive!

Comprehensive List Of Services

ATM Access

Need cash on the go? Our ATM services allow for easy cash withdrawals and balance checks whenever you need them. With access to ATMs nationwide, you'll always have quick access to your funds without hassle. At Wepco, we strive to create an atmosphere where financial well-being is within everyone's reach. Our expert staff is eager to assist you with any questions about these services or how they can benefit you personally. Ready to take the next step? Visit us at 202 W Main St Kingwood Wv 26537 or give us a call at (301) 783-1045. Explore how we can help secure your financial future today! For more information about our offerings, feel free to check out our website at Kingwood Loan Production Office.

Business Banking Services

If you're a small business owner, our business banking services will help streamline your operations. From merchant services that make transactions easier to business loans designed to fuel growth, we are dedicated to supporting local entrepreneurs in Kingwood and beyond.

Convenient Online & Mobile Banking

In today's fast-paced world, we know convenience is key. That's why we offer online and mobile banking services so you can manage your accounts anytime, anywhere. With features like mobile payments, person-to-person transfers, and electronic statements, staying on top of your finances has never been easier.

Credit Cards and Rewards

For those looking to earn rewards on their purchases, our credit cards come with enticing benefits that can enhance your buying power. Imagine getting cash back or points every time you shop it's our way of saying thank you for choosing Wepco as your financial partner.

Personal Banking Solutions

We offer various personal banking options to help you manage your money effectively. Whether you're opening a checking account for everyday expenses or a savings account for future goals, we've got you covered. Our auto loans and vehicle financing make it easy to get behind the wheel of your dream car, while our mortgage loans and refinancing options help turn your home ownership dreams into reality. If you ever find yourself needing a little extra cash, our personal loans can assist with debt consolidation or unexpected expenses.

Digital & Online Banking

Key Features

Explore our comprehensive online banking services at https://www.wepcofcu.com/. You can access your accounts 24/7, making it simple to check balances, transfer funds, and pay bills all from the comfort of your home or on-the-go. Our mobile application allows for quick access right from your smartphone, ensuring you never miss a beat. Security is our top priority. With electronic signature authorization available, signing documents online is both safe and convenient. Plus, you can opt for e-statements to keep track of your transactions without the clutter of paper statements. This not only helps protect your information but also supports a greener environment. When it comes to payments, we've got you covered. With our mobile payments feature, making purchases or sending money to friends through person-to-person transfers has never been easier. Enjoy the freedom of handling all your financial activities with just a few taps on your device. Whether you're at home or out running errands, our digital banking tools are designed for accessibility and ease-of-use. Experience real-time account management that fits seamlessly into your busy lifestyle. At Wepco, we're committed to providing you with the best banking experience possible because your financial well-being matters to us!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 66,995, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. 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 202 W Main St Kingwood Wv 26537 or call (301) 783-1045 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.

Member Savings and Security

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.

Operational Efficiency

Our impressive $1,674,963 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 72 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

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. Our lending capacity supports your financial goals across various sectors with $6,873 in used auto loans and $259,781,343 in total loans and leases.

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.

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 know that purchasing a vehicle is a significant investment, and we're committed to making it as affordable as possible.

Credit Lines and Personal Loans

For those seeking additional flexibility in managing their finances, we provide credit lines with a total availability of $65,000,000. This option allows you to access funds when you need them most without the hassle of reapplying for a loan each time.

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 offer competitive rates and flexible terms to help you secure the home you've always wanted.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans; however, currently there are no outstanding loans in this category. When available, these cards provide an excellent way for members to manage everyday expenses while building credit. For business owners in our community, our outstanding commercial loans totaling $188,180 provide the capital needed to grow and expand your business. If you're considering refinancing any existing loans or want more information about eligibility options for any of these products, please don't hesitate to reach out. You can contact us at 301-783-1045 for personalized assistance. At Wepco, we strive to ensure that you have the financial resources needed to succeed. 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 us today or check out our website at Wepco for more details!

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Ensuring Accurate Loan Comparisons

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WEPCO FEDERAL CREDIT UNION - Kingwood, WV

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