Willow Island Credit Union Saint Marys WV | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Willow Island Federal Credit Union, where your financial well-being is our top priority. Located at 7910 S Pleasants Hwy, Saint Marys, WV 26170, we have proudly served our community since 1953. With a dedicated team of 5 employees, including our CEO Shelly Winans and Board President Jo Stewart, we're committed to fostering relationships built on trust and reliability. At Willow Island, we take pride in our growing membership base of 1,707 members who benefit from a wide array of services tailored to meet their financial needs. Our total assets currently stand at an impressive $11,320,361, reflecting our strong position in the community. With total deposits amounting to $259,209 and a net worth of $900,033, we are here to help you achieve your financial goals. We understand that life can be unpredictable, which is why we offer personalized solutions such as auto loans over 854 loans currently financed to make sure you have access to the funds you need when you need them. Additionally, with $274,725 in cash on hand and total shares deposited reaching $10,258,651, your deposits are secure with us. Our commitment extends beyond just numbers; it's about making a positive impact in our local community. We provide essential banking services such as personal checking and savings accounts, mortgage loans, credit cards with rewards, and business banking solutions to support both individuals and local businesses. While members can visit us at our branch location for personal assistance during lobby hours (Monday through Friday from 7:30 AM to 4:30 PM), official correspondence should be sent to the same address listed above. If you have any questions or need assistance, don't hesitate to reach out to us at (304) 665-1127 or via fax at (304) 665-1129. Join us today and experience the difference that a member-focused credit union can make! For more information about our offerings or to become a member, visit us online at Willow Island Federal Credit Union. We look forward to serving you!

Branch History & Mission

Community Impact

We take pride in giving back to Saint Marys and surrounding areas. Our outreach efforts are aimed at enhancing financial literacy and supporting local events that bring people together. By nurturing these connections, we strive to create a stronger community where everyone thrives. In conclusion, whether you are looking for a new place to manage your finances or seeking guidance on loans and savings options, we invite you to join Willow Island Federal Credit Union. Experience firsthand the benefits of being part of a member-focused organization dedicated to your financial well-being. Visit us today and become part of our growing family!

Our Journey

From our humble beginnings, we have consistently focused on providing exceptional service and building strong relationships with our members. Over the decades, we have expanded our offerings to include personal banking services like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. As of today, our total assets stand at an impressive $11,320,361, reflecting our commitment to sound financial management and growth. As technology evolved, so did we. We embraced digital advancements by offering online banking and mobile applications to ensure that our members can access their accounts easily and securely. Although we do not currently provide ATM services at our branch, our drive-thru banking allows members to conduct simple transactions efficiently.

Our Mission

At Willow Island Federal Credit Union, our mission is clear: to empower our members through reliable financial services while making a positive impact in the community we serve. We believe that everyone deserves access to affordable financial solutions tailored to their needs. This commitment extends beyond just banking; it includes supporting local initiatives and fostering partnerships that uplift our community. While members can visit us at 7910 S Pleasants Hwy for all their banking needs, official correspondence should be sent to the same address or reach out via phone at 304-665-1127 during our operating hours of Monday through Friday from 7:30 am to 4:30 pm.

Branch Location & Accessibility

Conveniently Located

Our branch is situated near several local landmarks, making it easy to stop by while you're out running errands. With ample parking available right outside the building and features like ADA-compliant ramps, we strive to ensure that everyone can access our services comfortably.

Drive-Thru Banking

For those who prefer a quicker option, we offer drive-thru banking for simple transactions such as deposits and withdrawals. This feature allows you to conduct your banking without leaving your vehicle perfect for busy days! Although we currently do not have ATM services on-site, our team is happy to help guide you to the nearest ATM options when needed.

Get in Touch

If you have questions or need assistance before your visit, feel free to call us at 304-665-1127. We are eager to welcome you into our credit union family and help you achieve your financial goals. Come see us soon!

Operating Hours

We're open Monday through Friday from 7:30 AM to 4:30 PM, so you can visit us at a time that works best for you. Our friendly staff is always ready to assist with a wide range of services including checking and savings accounts, vehicle financing, and more.

Member Eligibility

Joining the Willow Island community is an exciting opportunity to become part of a supportive family that prioritizes your financial well-being. To become a member of Willow Island, all you need is a desire for better banking solutions and to meet some simple eligibility criteria. Generally, this includes individuals who live, work, worship, or attend school in Pleasants County, WV, along with their immediate family members. The advantages of membership are plentiful ranging from competitive loan rates to personalized service that truly cares about your needs. Opening an account with us is straightforward and welcoming. You can easily get started by visiting us at 7910 S Pleasants Hwy, Saint Marys, WV 26170. For more detailed information about eligibility requirements or any updates. If you have questions or would like assistance, don't hesitate to call us at (304) 665-1127. We're here to help you every step of the way!

Business Banking & Commercial Services

Loan Options That Drive Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. For those outside our membership, 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 $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Life Easier

Imagine running your daily operations without worrying about payment processing. Our merchant services simplify transactions, enabling your customers to pay effortlessly while you focus on what matters most growing your business. Whether you're at a storefront or on-the-go, we've got tools that fit your lifestyle. Located at 7910 S Pleasants Hwy Saint Marys Wv 26170 in Saint Marys, WV, our dedicated team is here to provide the financial support you need. Reach out to us at (304) 665-1127 during our operating hours from Monday to Friday, 7:30 AM to 4:30 PM, and let's talk about how we can help your business succeed!

Comprehensive List Of Services

Business Banking Services

For small business owners, our business banking services include essential offerings like merchant services and business loans designed to help your company thrive. We understand the unique challenges faced by local businesses and strive to support your financial journey.

Digital Banking Convenience

In today's fast-paced world, managing your finances on the go is vital. That's why we offer robust online and mobile banking services. You can access your accounts anytime, anywhere whether it's transferring funds between accounts or paying bills quickly through our app. Additionally, we have person-to-person payment capabilities that allow you to send money effortlessly.

Easy Transactions

For those who prefer face-to-face service, our branch features a convenient drive-thru banking option, allowing for simple transactions such as deposits and withdrawals without leaving your car. At Willow Island Federal Credit Union, we're more than just a financial institution; we're your community partner in achieving financial wellness. We invite you to visit us or explore more about our services at our website. Join us today and experience how easy banking can be!

Home Financing

If you're ready to buy a home or need to refinance your current mortgage, our mortgage loans and refinancing services are here to guide you through every step. We know that purchasing a home is one of the biggest decisions you'll make, and we're committed to helping you understand all your options.

Loans for Every Need

We also provide personal loans and debt consolidation solutions that can ease financial stress. Whether it's unexpected expenses or consolidating existing debts into one manageable payment, our team is ready to assist you in finding the best solution. Our credit cards come with rewards programs that help you earn while you spend. It's an excellent way to maximize benefits on purchases you're already making every day.

Personal Banking

When it comes to personal banking, we offer both checking and savings accounts that help you manage your everyday finances. Imagine having a reliable account that not only keeps your money safe but also helps you save for future goals. Our accounts come with features designed for convenience and accessibility. For those looking to finance a new car or refinance an existing vehicle, our auto loans and vehicle financing options make the process straightforward and easy. With competitive rates and flexible terms, you'll find the right fit for your budget.

Digital & Online Banking

Accessibility and Support

Our commitment to accessibility means that whether you're using a computer or a smartphone, you'll find our services easy to navigate. If you have any questions or need assistance, feel free to reach out via phone at (304) 665-1127 during our operating hours from Monday through Friday, 7:30 am to 4:30 pm. Experience the convenience of banking with us at Willow Island today!

Key Features

Enjoy the benefits of E-Statements Availability that allows you to receive your account statements electronically. This not only saves paper but also helps keep your financial records organized and easily accessible. For those who often send money to friends or family, our Person-to-Person Transfers feature makes it simple and quick. No need for cash or checks just a few taps on your device and you're done! If you're always on the move, our Mobile Application Availability gives you the power of banking right in your pocket. You can manage your accounts anytime, anywhere, making it easier than ever to keep track of your finances. While we currently do not offer mobile payments, we ensure that all transactions made through our online banking platform are secure. Your safety is our priority, and we take every measure to protect your personal information.

Financial Strength

Growing Community Trust

The trust placed in us by our members is evident with a total of 2,801 accounts. This growing member base shows that more people are choosing Willow Island for their financial needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Willow Island is your trusted partner. Visit us at 7910 S Pleasants Hwy Saint Marys Wv 26170 or call (304) 665-1127 to learn more about how we can help you achieve your financial goals.

Investment in Your Future

With $763,725 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; with $367 in used auto loans and $9,665,909 in total loans and leases, we support your financial goals across various sectors.

Member-Focused Savings

Members' savings are secured through $2,370,892 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $1,494,268, 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 $-$93,435, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 4 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Health

With a net worth of $900,033, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 7.95% 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

Our auto loan offerings are structured to fit different budgets and needs. Whether you're eyeing a brand-new model or a reliable used vehicle, we've got you covered. The total amount of auto loans currently stands at $734, reflecting our dedication to making vehicle ownership attainable for everyone.

Credit Lines

For those needing extra flexibility in their finances, our total credit lines amount to $750,000. This allows you the freedom to access funds as needed without taking out a traditional loan. If you're interested in any of our loan products or need assistance determining what best fits your situation, please don't hesitate to call us at 304-665-1127 or visit us at 7910 S Pleasants Hwy Saint Marys WV 26170. Our friendly team is here to help you navigate your options and find solutions tailored just for you. 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 take the next step towards achieving your financial aspirations!

Mortgage Loans

Thinking about homeownership? While we currently do not offer Junior Lien 1-4 Family Residential Properties loans, it's important to know that we can assist with other lending options that might be available for your housing needs. If you're considering refinancing your current mortgage or exploring eligibility for new options, feel free to reach out.

Unsecured Credit Cards

We also provide flexible terms on unsecured credit card loans to help manage daily expenses effectively. Currently, there are no outstanding unsecured credit card loans; however, our offerings are designed to adapt based on member needs and market conditions.

Loan Aggregator

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WILLOW ISLAND FEDERAL CREDIT UNION - Saint Marys, WV

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