Westerly Community Credit Union Wyoming RI | Top Auto Loans & Personal Banking

Introduction

Welcome to Westerly Community, your trusted financial partner in the heart of Wyoming, RI. Nestled at 64 Kingstown Rd, we have been proudly serving our community since 1948. With a commitment to fostering strong relationships, we currently support over 22,751 members, empowering them to achieve their financial goals. At Westerly Community, we take pride in our robust financial standing, with total assets amounting to an impressive $492,418,012 and total deposits reaching $7,404,343. Our dedication to providing exceptional service is reflected in our diverse offerings, including personal banking, auto loans, mortgages, and business banking solutions. We understand that every member's needs are unique, which is why our experienced team is here to guide you through every step of your financial journey. Under the leadership of our CEO, Stephen White, and Board President, Pete Stefanski, we strive for excellence in all that we do. Our friendly staff of 79 employees is ready to assist you with any inquiries or services you may need. Whether you prefer visiting us in person or utilizing our online and mobile banking platforms, we ensure you have access to your accounts whenever you need it. We believe in giving back to the community that has supported us for so many years. As a member-focused credit union, we are dedicated to not only meeting but exceeding your expectations through personalized service and local involvement. If you're looking for a reliable financial institution that puts its members first, look no further than Westerly Community. Visit us today at our branch or give us a call at 401-596-7000. We can't wait to help you thrive financially!

Branch History & Mission

At Westerly Community, we take pride in our rich history and strong commitment to the community of Wyoming, RI. Established in 1948, our branch has been serving members for over seven decades, evolving alongside the needs of our community and adapting to changes in the financial landscape. Located at 64 Kingstown Rd, our branch is easy to find and conveniently situated near local landmarks that make us a staple in the area. Whether you're stopping by for a quick transaction or looking to explore our range of services, we aim to provide a welcoming environment for all. Over the years, we have grown significantly. Today, we proudly serve 22,751 members with total assets amounting to an impressive $492,418,012. This growth reflects not only the trust our members place in us but also our dedication to offering personalized financial solutions tailored to meet individual needs. Our mission is clear: We are here to empower our members through exceptional financial services while actively supporting community initiatives. We believe that banking should be about more than just transactions; it should foster relationships and contribute positively to the lives of those we serve. From personal banking options such as checking and savings accounts to auto loans and business banking solutions, we strive to provide a comprehensive suite of services designed with you in mind. While members can visit us at 64 Kingstown Rd, official correspondence should be sent to our mailing address if applicable. Our branch features both ATM availability and drive-thru banking, making it easier than ever for you to access your funds when you need them. We understand that convenience matters, which is why we've embraced digital advancements like online and mobile banking, ensuring you can manage your finances anytime, anywhere. As part of our commitment to accessibility, we ensure that our facilities comply with ADA standards so that everyone can enjoy our services without barriers. Additionally, we work closely with local organizations on various outreach efforts aimed at strengthening the fabric of our community. In conclusion, whether you're looking for reliable banking services or seeking ways to engage with your community, Westerly Community is here for you. Join us today and discover how being part of a credit union can benefit not just your finances but also the community around you. Together, let's build a brighter future! For more information or to open an account online, visit us at Westerly Community. If you have any questions or need assistance, don't hesitate to give us a call at 401-596-7000.

Branch Location & Accessibility

Connect with Us

If you have any questions or need assistance with your banking needs, don't hesitate to give us a call at 401-596-7000. We look forward to welcoming you at our branch! Come visit us today and discover how we can support your financial journey!

Nearby Landmarks and Accessibility

Our branch is just a stone's throw away from popular local spots, making it an easy stop during your day. With ample parking available, visiting us is hassle-free. We pride ourselves on being ADA-compliant, ensuring that everyone can access our facilities without any barriers.

Operating Hours and Services

We know your time is valuable, which is why we offer flexible operating hours tailored to fit your schedule. Our lobby hours are open Monday through Wednesday from 9 AM to 4 PM, extending to 5 PM on Thursday and Friday. On Saturdays, we're here for you from 9 AM until noon. You can also take advantage of our drive-thru service for quick deposits and withdrawals without leaving your car. At the Westerly Community Richmond Branch, we provide a variety of banking services including personal checking and savings accounts, auto loans, mortgage options, and even business banking solutions. Plus, with ATM availability right on-site, accessing cash has never been easier.

Member Eligibility

At Westerly Community, we believe that joining our community should feel welcoming and straightforward. If you're looking to become a member, we're excited to tell you that eligibility is open to anyone who lives, works, worships, or attends school in the area surrounding our branch at 64 Kingstown Rd Wyoming Ri 02898. This means you could be just a step away from enjoying all the benefits we offer, from competitive loan rates to personalized financial services. To make the process even easier, we encourage you to visit our website for detailed eligibility criteria. Once you're ready, opening an account is a breeze! You can start your membership application online by checking out http://www.westerlyccu.com/open-apply. If you have any questions or need assistance, feel free to give us a call at (401) 596-7000. We can't wait to welcome you into our family!

Business Banking & Commercial Services

At Westerly Community, we understand that every business has unique needs. Whether you're just starting out or looking to expand, our commercial services are designed to support your journey. Imagine having the financial backing to invest in new equipment, hire additional staff, or even open a new location. That's where our tailored business loans come into play. 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. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $39,794,516, we continue to drive economic growth by financing new and expanding businesses. Additionally, we offer merchant services that simplify payment processing for you. Picture this: your customers can pay easily with their cards, and you can manage transactions smoothly allowing you to focus on what you do best: running your business. Visit us at 64 Kingstown Rd Wyoming Ri 02898 in Wyoming, RI, or give us a call at (401) 596-7000 to learn more about how we can help your business thrive!

Comprehensive List Of Services

Business Banking Solutions

For entrepreneurs and business owners, we provide robust Business Banking services including Merchant Services & Business Loans. These offerings can help streamline operations and fuel growth for your business.

Convenient Access Anytime

We know that life gets busy. That's why we provide easy access through our ATMs for cash withdrawals and balance checks, along with basic drive-thru banking services for quick transactions like deposits and withdrawals. Our lobby hours are designed with flexibility in mind: Monday through Wednesday from 9 AM to 4 PM, Thursday and Friday until 6 PM, and Saturday mornings from 9 AM to 12 PM.

Empowering Your Financial Future

Sometimes life throws unexpected challenges your way. That's where our Personal Loans & Debt Consolidation solutions come in handy. Whether it's an emergency expense or consolidating debt, we aim to support your financial stability. Plus, with our Credit Cards with Rewards, you can earn points while making everyday purchases!

Financing Your Dreams

Need a new vehicle? Our Auto Loans & Vehicle Financing options are designed to help you get behind the wheel without hassle. We work with you to find competitive rates that fit your budget. If you're looking to purchase a home or refinance an existing mortgage, our team is here to guide you through the process with our comprehensive Mortgage Loans & Refinancing services.

Get Started Today!

If you're ready to take control of your financial future or just want more information about any of our services, don't hesitate to reach out! Call us at 401-596-7000 or visit us at westerlyccu.com for more details on how we can assist you today. Join the Westerly Community family we're excited to help you achieve your financial goals!

Personal Banking Made Easy

We understand that managing your money should be straightforward and convenient. That's why we offer Personal Banking options, including Checking & Savings Accounts tailored to fit your lifestyle. Imagine easily accessing your funds anytime through our Online & Mobile Banking platforms. With features like e-statements and secure mobile payments, staying on top of your finances has never been simpler.

Digital & Online Banking

Key Features

Our online banking services are available 24/7, so you can check your balance, pay bills, or transfer money when it suits you best. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick. Plus, with our mobile application, managing your account on the go has never been easier! Security is our top priority. We offer electronic signature authorization for transactions, ensuring that your information stays protected while you enjoy the ease of digital banking. You can also opt for e-statements to keep track of your finances without the clutter of paper statements.

Mobile Payments & More

Want to make purchases using your smartphone? Our mobile payments feature allows you to pay conveniently and securely wherever you shop. Whether you're at a store or dining out, just tap and go! We're committed to making banking accessible for everyone. With our user-friendly interface and real-time account management tools, you'll have everything you need right at your fingertips. Join us at Westerly Community and experience how easy banking can be with our digital services!

Financial Strength

Commitment to Innovation

Our commitment to innovation is evident with $42,258,311 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $1,490 in used auto loans and $392,288,553 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Growing Member Base

We have a growing member base with a total of 38,853 share accounts. This reflects the trust our members place in us 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, Westerly Community is your trusted partner. Visit us at 64 Kingstown Rd Wyoming Ri 02898 or call (401) 596-7000 to learn more about how we can help you achieve your financial goals.

Member Savings and Investments

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.

Operational Efficiency

Our operational efficiency is reflected in our $792,651, enabling us to continue offering competitive loan rates and solid financial products for our members. 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.

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 also provide refinancing options for those who want to lower their current auto loan payments.

Business Financing

For business owners, our outstanding commercial loans totaling $39,794,516 provide the capital needed to grow and expand your enterprise. We understand the importance of having access to funds when it matters most. At Westerly Community, we believe in making financial services accessible and transparent. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore your options today! Visit us or check out our website at westerlyccu.com for more information on how we can help you achieve your financial dreams.

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. We strive to make the process straightforward and accessible for first-time homebuyers and seasoned homeowners alike.

Unsecured Credit Card Loans

Managing finances can be challenging. 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. These cards come with competitive rates and no hidden fees.

Loan Aggregator

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Ensuring Accurate 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 comparisons are fair and transparent, allowing users to make informed choices without hidden agendas.

WESTERLY COMMUNITY CREDIT UNION - Wyoming, RI

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