West Virginia Credit Union Saint Albans WV | Affordable Vehicle Loans & Personal Banking

Introduction

Welcome to West Virginia, your trusted financial partner located at 2355 Maccorkle Ave, Saint Albans, WV 25177. Since our establishment in 1965, we have been dedicated to serving our community with a member-first approach. With a growing membership of over 7,367 individuals and total assets reaching an impressive $124,681,616, we are proud to be a cornerstone of financial support in the region. At Wvfcu, we understand that every dollar counts and aim to empower our members through tailored financial solutions. Whether you're looking for personal banking services, auto loans, or even business financing options, we have you covered. Our total deposits of $6,338,684 reflect our commitment to safeguarding your funds while providing competitive interest rates on loans and savings. Our leadership team is here to guide you. Under the stewardship of CEO Nicholas Arvon and Board President Greg Cox, we strive to create a welcoming environment where your financial goals become achievable realities. Our dedicated staff of 29 employees is ready to assist you with personalized service that makes banking easier and more accessible. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 2355 MacCorkle Avenue, Saint Albans, WV 25177. We invite you to explore our website at wvfcu.org for more information on our products and services. Don't hesitate to give us a call at 304-729-3000 or visit us during lobby hours from 7:30 AM until 6 PM Monday through Friday. Join us today and discover how we can help you thrive financially!

Branch History & Mission

Welcome to the story of West Virginia! Founded in 1965, our branch has been a pillar of the Saint Albans community for nearly six decades. From our humble beginnings, we have grown alongside our members, building strong relationships rooted in trust and support. Today, with a total membership of 7,367, we proudly serve the financial needs of individuals and families throughout the area. Located at 2355 Maccorkle Ave Saint Albans Wv 25177, our branch is easily accessible and situated near local landmarks that many in the community know well. Whether you're stopping by for banking services or just passing through, we invite you to experience what makes us unique. Our mission at West Virginia is simple yet powerful: to provide exceptional financial services while fostering community growth and support. We believe that everyone deserves access to quality financial products, and we strive to make banking easy and approachable for all. Our services range from personal checking accounts to auto loans, mortgage financing, and business banking solutions all designed with our members' best interests in mind. While members can visit us at 2355 Maccorkle Ave Saint Albans Wv 25177, official correspondence should be sent to 2355 MacCorkle Avenue, Saint Albans, WV 25177. This ensures that your important documents reach us promptly and securely. At West Virginia, we embrace modern technology while ensuring accessibility for all. Our commitment to digital advancements includes online banking, mobile payments, and e-statements. We also prioritize ADA compliance, making sure that every member can access our services comfortably. Community outreach is at the heart of our operations. We actively seek partnerships with local organizations to support various initiatives aimed at uplifting those around us. Whether through financial education programs or charitable contributions, we aim to make a positive impact beyond just banking. As we look toward the future, we remain dedicated to adapting to the needs of our community while maintaining the core values that have guided us since 1965. Our operating hours are convenient open Monday through Friday from 7:30 am until 6 pm making it easy for you to find time for your banking needs. We invite you to join our growing family at West Virginia! Experience firsthand how we can help you achieve your financial goals while being a part of something bigger our vibrant community. Give us a call at (304) 729-3000 or visit our website at https://www.wvfcu.org/ for more information on becoming a member today!

Branch Location & Accessibility

Accessibility Features

Our location is designed with accessibility in mind. We have features such as ADA compliance and ramps, ensuring that everyone can access our services without difficulty.

Operating Hours

We're here for you during the week from 7:30 AM until 6 PM, making it easy to fit banking into your busy schedule. Our friendly staff is ready to assist you with everything from checking and savings accounts to mortgage loans and credit cards.

Services Offered

At West Virginia, we offer a range of services tailored to meet your financial needs. Need cash? You can easily access our ATM available on-site. For those who prefer drive-thru banking, we have that option too! Our team can help you with personal loans, vehicle financing, and even business banking solutions. Feel free to reach out at (304) 729-3000 if you have any questions or need assistance before your visit. We invite you to come by and see how West Virginia can support your financial journey!

Member Eligibility

At West Virginia, we believe in creating a welcoming community where everyone feels valued and supported. Becoming a member is simple and open to anyone who lives, works, or worships in the area, as well as their family members. We're dedicated to providing financial services that truly meet your needs, whether it's saving for a dream vacation or securing a loan for your new car. You can find more details about eligibility on our website at http://www.wvfcu.org/membership/welcome-to-wvfcu. If you're ready to take the next step, opening an account is quick and easy. Just visit us at our branch located at 2355 Maccorkle Ave Saint Albans Wv 25177, or give us a call at (304) 729-3000 for any questions you might have. We look forward to welcoming you into our family at West Virginia, where your financial wellness is our top priority! You can also start your membership journey online by checking out our account opening details here: https://gbs.onlinecu.com/wvfcu/#/sign-up.

Business Banking & Commercial Services

Practical Merchant Services

Imagine having a trusted partner who simplifies your payment processes and helps you manage cash flow seamlessly. Our merchant services are designed to do just that. Whether it's setting up payment processing or providing tools to track sales, we equip you with everything needed to focus on what you do best running your business. Located at 2355 Maccorkle Ave Saint Albans Wv 25177, Saint Albans, WV 25177, our team is dedicated to helping you navigate the financial landscape of running a business. For more information, call us at (304) 729-3000 or visit our website at Wvfcu. Together, let's pave the way for your business success!

Supporting Business Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $47 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $43 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $3,331,359, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

For entrepreneurs in Saint Albans, our business banking services offer tailored solutions such as merchant services and business loans. We understand that running a business comes with its own set of challenges, so we're here to support your growth with reliable financial products that make managing your business easier.

Convenient Access

At Wvfcu, we recognize that convenience is key. That's why we provide access to ATMs for cash withdrawals and balance checks, along with drive-thru banking services for quick deposits and transactions without leaving your car. Our lobby hours ensure that we're available when you need us most open Monday through Friday from 7:30 AM until 6 PM.

Credit Cards

With our credit cards featuring rewards, you can earn points on every purchase while enjoying the benefits of competitive interest rates. Whether you're shopping for everyday items or planning a vacation, our credit card offers let you earn rewards effortlessly.

Digital Banking Features

Embracing modern technology, we offer robust online and mobile banking features that include electronic statements and mobile payments. You can easily manage your accounts on the go and even use person-to-person payment options for hassle-free money transfers between friends or family. In summary, West Virginia is dedicated to meeting the financial needs of our community with a comprehensive list of services designed for everyone from individuals to businesses. Visit us at 2355 Maccorkle Ave Saint Albans Wv 25177 in Saint Albans, WV, or give us a call at (304) 729-3000 to learn more about how we can help you achieve your financial goals today!

Loans and Financing

Whether you're dreaming of a new car or looking to buy your first home, our financing options are here to help. We provide auto loans and vehicle financing with competitive rates that make purchasing a vehicle more affordable. For those considering homeownership, our mortgage loans and refinancing services can guide you through every step of securing a loan that fits your budget. If you need cash for unexpected expenses or want to consolidate debt, our personal loans are designed to give you flexibility when you need it most.

Personal Banking

Managing your money should be easy and convenient. That's why at Wvfcu, we offer checking and savings accounts designed to fit your lifestyle. With user-friendly online and mobile banking options, you can check balances, transfer funds, and pay bills anytime, anywhere. Imagine being able to manage your finances right from your smartphone while sipping coffee at your favorite café!

Digital & Online Banking

Key Services

Our online banking service puts you in control of your money. You can view your account balances, pay bills, and transfer funds all from the comfort of your home or while on the go. Plus, our mobile application makes it even simpler to manage your finances right from your smartphone. Need to send money to a friend? Our person-to-person transfer feature allows you to send funds quickly and securely. No more waiting in line or dealing with cash; just a few taps on your screen will do! For those who prefer paperless options, we offer electronic statements that provide a secure way to keep track of your finances without cluttering up your mailbox. And if you need to sign documents electronically, our electronic signature authorization feature ensures that everything is done safely and efficiently.

Security and Accessibility

We take security seriously at West Virginia. Our online services come equipped with robust security measures so you can bank with peace of mind. You'll find our platforms user-friendly, making it easy for anyone regardless of tech-savviness to navigate through their accounts. With features like mobile payments, managing your daily expenses has never been easier. Whether you're grabbing coffee or shopping for groceries, you can pay directly from your phone with confidence. In today's fast-paced world, having real-time access to your accounts is crucial. That's why we ensure that all our digital services are designed for quick and easy use so you can focus on what matters most your life! Explore all these features and more by visiting https://www.wvfcu.org/ today!

Financial Strength

At West Virginia, 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 are proud to share our strong financial foundation with you, which enables us to provide exceptional services tailored to your needs. With a net worth of $23,217,795, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,862 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 $9,780,057 in share certificates and $24,903,247 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. Our commitment to excellence is reflected in our $22,570,283 in undivided earnings, which we reinvest into innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $1,525 in used auto loans and $76,836,898 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is evident with a reported $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 26 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. The trust placed in us is evident from our growing membership base our total share accounts stand at 15,813, showcasing the confidence our members have in West Virginia as their financial partner. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, West Virginia is your trusted partner. Visit us at 2355 Maccorkle Ave Saint Albans Wv 25177 or call (304) 729-3000 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

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $21,899,692 in used vehicle loans and $8,743,426 in new vehicle loans already helping members get on the road. We make the process straightforward and easy, ensuring you can focus on what matters most driving your new vehicle.

Business Loans

For business owners, our outstanding commercial loans totaling $3,331,359 provide the capital needed to grow and expand. We know how crucial it is to have access to funds when you need them most, and our team is here to assist you with competitive rates and personalized service.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $11,344,999, make buying or refinancing simple. We provide guidance through every step of the mortgage process, helping you understand your options for purchasing or refinancing your home.

Refinancing Options

If you're considering refinancing any of your existing loans, our team at West Virginia can provide options that may lower your monthly payments or help you pay off debt faster. We encourage members to explore eligibility options that could benefit their financial situation. For more information about our loan offerings and services available at West Virginia, located at 2355 Maccorkle Ave Saint Albans Wv 25177, Saint Albans, WV 25177, feel free to call us at (304) 729-3000. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to support you every step of the way!

Unsecured Credit Card Loans

Managing expenses can be challenging, but we also offer flexible terms on unsecured credit card loans. With a total of $0 in loans, our credit cards help members manage their finances effectively while offering rewards for everyday purchases.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing data 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 guarantees that users receive fair and transparent offers tailored to their financial needs.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. You can trust that the information you see is accurate and up-to-date. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means you can make decisions without worrying about hidden agendas. - Real-Time Rate Comparisons: The platform provides up-to-date loan rates from multiple institutions, helping users make informed decisions quickly. You won't have to waste time searching through countless websites. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Ready to find the best rates for your needs? Compare real-time loan offers today at LendMesh. 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.

West Virginia