Westerly Community Credit Union Westerly RI | Affordable Vehicle Loans & Quick Personal Loans

Introduction

Welcome to Westerly Community, your trusted financial partner located at 122 Granite St, Westerly, RI 02891. Established in 1948, our credit union has proudly served over 22,751 members, providing personalized banking solutions that make a difference in our community. At Westerly Community, we understand that every member's financial journey is unique. That's why we offer a variety of services, including checking and savings accounts, auto loans, mortgage financing, personal loans, and business banking solutions. Our dedication to our members is reflected in our impressive financial standing. With total assets of $492,418,012 and total deposits reaching $7,404,343, we are well-equipped to support your financial needs. Our commitment to responsible lending is evident with 12,300 loans and leases currently extended to our members. This demonstrates not just our capacity but also our willingness to invest in the dreams of those we serve. Led by our CEO, Stephen White, and Board President, Pete Stefanski, our team of 79 dedicated employees is here to provide you with top-notch service. We believe in building long-lasting relationships rooted in trust and transparency. Whether you need assistance with online banking or want to explore loan options tailored for you, we are just a phone call away at 401-596-7000. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 122 Granite St, Westerly, RI 02891-2435. Join us at Westerly Community as we continue to support each other and strengthen our local economy. Visit our website at westerlyccu.com or stop by today your financial future awaits!

Branch History & Mission

At Westerly Community, we take pride in our rich history and unwavering commitment to serving the community. Established in 1948, our Granite Street Office has grown from humble beginnings to a vital financial resource for the people of Westerly, RI. Located at 122 Granite St, Westerly, RI 02891, we are easily accessible to all our members and neighbors. Over the years, we have expanded our services and offerings to meet the evolving needs of our members. Today, with a total membership of 22,751 and assets amounting to over $492 million, Westerly Community continues to be a trusted partner in achieving financial goals. Our mission is simple yet powerful: to provide comprehensive financial services while fostering a strong sense of community support and engagement. We believe in empowering individuals and families with the tools they need for financial success. As part of our dedication to accessibility, we offer various services including personal banking, auto loans, mortgage refinancing, credit cards with rewards, and business banking solutions. In addition, we ensure that banking is convenient through our ATM availability and drive-thru service. Our operating hours are designed with your needs in mind: Monday through Wednesday from 9 AM to 4 PM; Thursday from 7:30 AM to 5 PM; Friday from 9 AM to 6 PM; and Saturday from 9 AM to 12 PM. Westerly Community believes in being more than just a financial institution; we strive to make a positive impact in our community. Through partnerships with local organizations and participation in outreach efforts, we work hard to support those who need it most. Whether it's providing educational resources or sponsoring local events, we are dedicated to giving back. While members can visit us at 122 Granite St, official correspondence should be sent to 122 Granite St, Westerly, RI 02891-2435 if needed. Join us at Westerly Community and experience the difference of being part of a credit union that cares deeply about its members and the community as a whole. We invite you to explore how we can help you achieve your financial dreams! For more information or assistance, please call us at 401-596-7000 or visit our website at westerlyccu.com.

Branch Location & Accessibility

Connect With Us!

We invite you to come see us at the Westerly Community branch! If you have any questions or would like more information about our services, don't hesitate to give us a call at 401-596-7000. We look forward to helping you achieve your financial goals!

Convenient Access and Features

Our branch is designed with your convenience in mind. We have ample parking available right outside, making it easy for you to stop by. For those who may need additional assistance, our facility is ADA compliant, featuring ramps and accessible entrances to ensure everyone can visit us comfortably. You'll find that our lobby hours are quite accommodating as well. We're open Monday through Wednesday from 9 AM to 4 PM, Thursday from 7:30 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 12 PM. If you prefer a quick visit, our drive-thru service allows you to complete simple transactions without leaving your vehicle.

Services Offered

At the Westerly Community branch, we offer a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. Our online and mobile banking services make managing your finances easier than ever. Plus, enjoy access to an ATM right at our location for quick withdrawals or balance checks. While members can visit us at the above address for all their banking needs, official correspondence should be sent to the same address: 122 Granite St, Westerly, RI 02891-2435.

Member Eligibility

At Westerly Community, we believe that everyone deserves a chance to be part of a supportive financial community. Joining us is simple and welcoming! To become a member, you need to meet a few eligibility criteria which generally include living, working, or worshipping in our service area or being related to someone who is already a member. This makes it easy for you to connect with your neighbors and take advantage of the benefits we offer, such as personalized service and competitive rates on loans and savings. If you want more detailed information about eligibility. Ready to take the next step? Opening an account with us is straightforward and can be done online. Just visit http://www.westerlyccu.com/open-apply for all the details on how to get started. If you have any questions or need assistance, don't hesitate to give us a call at (401) 596-7000. We're excited to welcome you into the Westerly Community family!

Business Banking & Commercial Services

Commercial Loans That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $184 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $39,794,516, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Seamless Transactions

Imagine running your business without worrying about payment processing. Our merchant services simplify transactions, allowing you to focus on what you do best serving your customers. From credit card processing to mobile payment solutions, we provide the tools you need to manage cash flow efficiently. Come visit us at 122 Granite St Westerly Ri 02891 in Westerly, RI, or give us a call at (401) 596-7000 to discover how we can support your business goals today!

Comprehensive List Of Services

ATM and Drive-Thru Services

Need cash on the go? Our ATM services allow for quick withdrawals and balance checks whenever you need them. For those who prefer face-to-face interactions but still want convenience, our basic drive-thru banking offers deposits, withdrawals, and simple transactions without leaving your car. At Westerly Community, we strive to make banking accessible and straightforward for everyone. If you have questions about any of our services or want to learn more about how we can assist you in reaching your financial goals, don't hesitate to give us a call at 401-596-7000 or visit us online at westerlyccu.com. Your financial success is our priority!

Business Banking Services

For our business members, we provide essential banking services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, our team is here to support your business journey with financial solutions that work for you.

Credit Cards and Rewards

We understand that every little bit counts when it comes to rewards. That's why we offer credit cards with rewards programs that give you cash back or points for every purchase you make. It's a simple way to earn benefits while spending on things you already buy.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services. You can check balances, transfer funds, and pay bills from anywhere at any time all from the comfort of your smartphone or computer. With features like person-to-person payments and e-statements, managing your money has never been easier.

Personal Banking Solutions

Our personal banking options are designed with you in mind. With checking and savings accounts, you can easily manage your day-to-day finances while also saving for that special vacation or home renovation. Need a new car? Our auto loans and vehicle financing solutions make it easy to drive away in your dream vehicle without breaking the bank. If you're looking to buy a home or refinance your existing mortgage, our mortgage loans offer competitive rates and flexible terms to suit your budget. Plus, if you're facing debt challenges, our personal loans and debt consolidation options can help simplify your payments and reduce stress.

Digital & Online Banking

Key Features of Our Online Banking

With 24/7 online banking services, you can check your balances, view transaction history, and transfer funds effortlessly. You also have the option to enroll in e-statements for a paperless way to manage your account statements securely. Plus, with electronic signature authorization available, signing documents has never been easier or more secure. Our mobile application makes banking even more accessible. You can make payments using mobile payments features or send money directly to friends and family with person-to-person transfers making it simple to share costs or pay back a loan without any hassle.

Security and Accessibility

Your security is our top priority. We employ strong security measures to ensure that your financial information remains safe while you enjoy the convenience of online banking. Our user-friendly interface means that whether you're tech-savvy or just getting started with digital banking, you'll find everything easy to navigate. At Westerly Community, we are committed to providing you with real-time account management and support whenever you need it. Join us today and experience how our digital banking services can simplify your financial life!

Financial Strength

Committed Team

We also take pride in having 79 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. With total share accounts numbering 38,853, it's clear that many trust us with their finances.

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Westerly Community is your trusted partner. Visit us at 122 Granite St Westerly Ri 02891 or call (401) 596-7000 to learn more about how we can help you achieve your financial goals.

Investing Back Into Our Community

With $42,258,311 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to lend is robust; we hold $1,490 in used auto loans and have a total of $392,288,553 in loans and leases available to support your financial goals across various sectors.

Member-Centric Savings

Members' savings are secured through $107,135,745 in share certificates and $36,239,305 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $12,316,041, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $42,597,881, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 8.75% 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 $20,408,644 in used vehicle loans and $7,680,022 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates tailored to fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $39,794,516 provide the capital needed to grow and expand. We recognize that every business has unique needs, and our team is dedicated to finding the right financing solutions for you.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $39,910,321, make buying or refinancing simple. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is here to guide you through the process.

Refinancing Options

If you're considering refinancing any of your existing loans, we can help assess your options to find potential savings. Our experienced staff at Westerly Community can guide you through eligibility requirements and help determine what works best for your situation. Located at 122 Granite St Westerly Ri 02891, Westerly RI 02891, we're committed to serving our community with integrity and transparency. If you have any questions or need assistance with applying for a loan, don't hesitate to reach out at (401) 596-7000. 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 look forward to helping you navigate your financial journey!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $5,149,875 in loans helping members manage their finances effectively. Our credit cards come with competitive rates and rewards programs, making them a smart choice for everyday purchases.

Loan Aggregator

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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 approach guarantees that users receive fair and transparent offers tailored to their needs. Each loan option presented is backed by legitimate financial institutions, ensuring users are only shown verified data.

WESTERLY COMMUNITY CREDIT UNION - Westerly, RI

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