Winston-Salem Credit Union NC | Best Auto Loans & Business Banking

Introduction

Welcome to Winston-salem, your trusted financial partner located at 711 E Salem Ave, Winston Salem, NC 27101. Established in 1957, our credit union has been dedicated to serving the community with integrity and care for over six decades. With a growing membership of 8,889 individuals, we pride ourselves on creating a welcoming environment where members can achieve their financial goals. At Winston-salem, we understand that each member's needs are unique. That's why we offer a variety of services designed to support you on your financial journey. Our total assets stand strong at $60,894,240, reflecting our commitment to sound financial practices and the trust placed in us by our members. With total deposits of $10,504,418 and cash in hand amounting to $554,174, we're well-positioned to provide competitive loans and services. Our CEO, John Jameson, and Board President, Kevin Lyons, lead a dedicated team of 23 employees who are always ready to assist you. We believe in putting our members first and providing personalized service that makes banking easier for everyone. While members can visit us at our branch location, official correspondence should be sent to the same address: 711 E SALEM AVE, WINSTON SALEM, NC 27101-5365. If you have any questions or need assistance, don't hesitate to reach out by phone at 336-727-2663 or send us a fax at 336-727-8422. Explore how we can support your financial aspirations today by visiting our website at mywsfcu.org. Together, let's build a brighter financial future!

Branch History & Mission

Community Focus

At the heart of Winston-salem lies a dedication to community service. We believe in giving back and supporting local initiatives that enhance the quality of life in Winston Salem. Whether it's through partnerships with local organizations or hosting events aimed at financial literacy, we strive to make a positive impact on the lives of those around us. Our mission is not just about providing financial products; it's about empowering our members and fostering a sense of belonging within our community. Each decision we make reflects our commitment to both member satisfaction and social responsibility. For any official correspondence, please note that while you can visit us at 711 E Salem Ave Winston Salem Nc 27101, you may also send mail to 711 E SALEM AVE, WINSTON SALEM, NC 27101-5365 if it differs from our physical location.

Join Us

As we look toward the future, we invite you to become part of the Winston-salem family. Experience firsthand how we prioritize your needs while making a difference in the community. Stop by during our operating hours from 9:00 AM to 5:30 PM on weekdays or give us a call at (336) 727-2663 to learn more about membership opportunities. Join us today and let's work together towards a brighter financial future!

Our Story

From our humble beginnings in 1957, Winston-salem has evolved significantly. Our mission has always been clear: to provide accessible financial services while uplifting our community. We focus on helping members achieve their financial goals through personal banking options like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. With a commitment to innovation, we've embraced digital advancements that make banking easier for everyone. Our online and mobile banking services allow you to manage your finances at your convenience. While we do not have ATM availability at this branch, we offer drive-thru services for basic transactions like deposits and withdrawals.

Branch Location & Accessibility

Accessibility and Parking

At our branch, accessibility is a priority. We offer easy access with ADA-compliant features, including ramps for those who may need extra assistance. Plus, ample parking is available right outside our doors, making it easy for you to visit us without any hassle.

Call to Action

If you have any questions or need assistance before visiting us, feel free to call us at 336-727-2663. Our friendly staff is ready to help! We look forward to welcoming you soon at the Winston-salem branch where community banking meets convenience!

Operating Hours

We know that your time is valuable. That's why our lobby hours are designed to fit into your busy schedule. We're open Monday through Friday from 9:00 AM to 5:30 PM, providing plenty of opportunities for you to come in and discuss your banking needs or simply ask questions.

Services Offered

While you're here, take advantage of our range of services! Whether you're looking to open a new checking account, apply for an auto loan, or explore options for personal loans and debt consolidation, we've got you covered. We also provide drive-thru banking for quick transactions like deposits and withdrawals, making it even easier for you to manage your finances on the go.

Member Eligibility

At Winston-salem, we believe that everyone deserves a chance to join a welcoming community focused on support and growth. If you're looking to become a member, the good news is that eligibility is straightforward and inclusive! You can become a member if you live, work, or attend school in Forsyth County, or have family members who are already part of our credit union family. This means that many of your friends and neighbors can join too! Being a member opens up a range of benefits, including competitive loan rates, personalized service, and access to valuable financial resources designed just for you. To get started with your membership journey at Winston-salem, simply visit us at 711 E Salem Ave Winston Salem Nc 27101 or give us a call at (336) 727-2663. You can also check out the detailed eligibility criteria at http://www.mywsfcu.org/consumer/deposit/membership-share to see how you qualify. Once you're ready, opening an account is easy just follow the steps outlined at https://online1.elancard.com/pdap/landing. We can't wait for you to join us and experience all that being part of our community has to offer!

Business Banking & Commercial Services

Loan Options for Every Business

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. - We also support the broader business community with $1 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 Work for You

Beyond loans, our merchant services offer practical tools designed to simplify payment processing and enhance customer experiences. Whether it's accepting card payments or managing transactions smoothly, these services are crafted to make your day-to-day operations easier. Located conveniently at 711 E Salem Ave Winston Salem Nc 27101 in Winston Salem, NC, we're here to help you take the next step toward success. Reach out at (336) 727-2663 or visit us today!

Comprehensive List Of Services

Accessing Your Funds

We understand that sometimes you need quick access to your cash. While we do not have ATM facilities at this location, we offer basic drive-thru banking for deposits, withdrawals, and simple transactions. Additionally, if you're a member of another participating credit union, you can take advantage of our shared branch transactions. If you're interested in learning more about any of these services or want assistance with account opening, feel free to give us a call at (336) 727-2663 or visit us online at https://www.mywsfcu.org. We're excited to help you achieve your financial goals!

Additional Lending Services

Need a little extra cash? Our personal loans and debt consolidation services can help simplify your financial commitments by combining multiple debts into one manageable payment. Plus, don't forget about our credit cards with rewards perfect for those who want to earn while they spend.

Business Banking Assistance

For our business members, we offer essential services like merchant services and business loans designed to help you succeed. Whether you're starting a new venture or looking to expand an existing one, we're here to support your business goals.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why at Winston-salem, we prioritize digital banking features that allow you to manage your accounts on-the-go. With online and mobile banking, accessing your account has never been easier. You can transfer funds, pay bills, and even send money through person-to-person payments all from the comfort of your home or while out and about.

Home Financing Options

Buying a home is one of the biggest decisions you'll ever make. At Winston-salem, we provide mortgage loans and refinancing solutions that cater to different budgets and situations. Our knowledgeable staff can guide you through the mortgage process, ensuring you find the right fit for your financial journey.

Personal Banking Solutions

When it comes to managing your money, our personal banking services are tailored for you. We offer checking and savings accounts that help you keep track of your finances easily. Imagine being able to set aside funds for that dream vacation or save up for a new home our accounts make that possible. If you're in the market for a vehicle, our auto loans and vehicle financing options can help you drive away in style without breaking the bank.

Digital & Online Banking

At Winston-salem, we understand that managing your finances should be as easy as a few taps on your smartphone or clicks on your computer. That's why our digital and online banking services are designed to offer you convenience and security, making it simple for you to take control of your accounts from anywhere, at any time. With our 24/7 online banking services available at https://www.mywsfcu.org, you can access your accounts whenever it suits you. Whether you're checking your balance, transferring funds, or paying bills, our user-friendly platform ensures that all these tasks are just a few clicks away. Plus, if you're always on the go, our mobile application provides all the features of online banking right in your pocket. Managing your money is even easier with features like person-to-person transfers, allowing you to send money to friends or family without hassle. Imagine splitting a dinner bill or sending cash for a gift all done instantly through your mobile device! And if you're looking for more eco-friendly options, we also offer e-statements, so you can view and manage your account statements online. For added convenience, our system supports mobile payments, making transactions quick and secure. You can use your phone to pay at participating merchants without needing cash or cards. It's fast, safe, and perfect for those who prefer contactless payments. While we do not currently support electronic signature authorization, we're committed to keeping things straightforward. At Winston-salem, we're here to ensure that every aspect of your digital banking experience is easy and accessible. If you're ready to explore all that our digital services have to offer, visit us today at https://www.mywsfcu.org and take charge of your financial journey!

Financial Strength

At Winston-salem, 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're proud to showcase our financial strength, which reassures you of our reliability and commitment to serving your needs. With a net worth of $7,591,570, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.45% 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 $11,734,997 in share certificates and $12,252,091 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $495,076, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $4,856,758 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 $3,96 in used auto loans and a total of $19,164,969 in loans and leases available for our members' financial goals across various sectors. Our net income of -$1,822 reflects the challenges we've faced but also highlights our commitment to improving operational efficiency to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 21 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Our net shares (funds available for lending and investments) stand at $0, while the total share accounts have reached an impressive 17,683, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Winston-salem is your trusted partner. Visit us at 711 E Salem Ave Winston Salem Nc 27101 or call 3367272663 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 $4,936,491 in used vehicle loans and $757,699 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates to make your auto financing experience smooth and straightforward.

Credit Lines and Personal Loans

For those needing extra funds for various purposes, our credit lines amounting to $6,552,027 provide the flexibility you need. Additionally, if you're considering managing debt or consolidating expenses, our personal loans can be tailored to fit your budget and lifestyle.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $525,218, make buying or refinancing simple. We are committed to guiding you through the process of securing your dream home while offering competitive interest rates.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. This option allows you to enjoy the benefits of a credit card without collateral requirements. Our dedicated team at Winston-salem is here to assist you every step of the way. If you're interested in refinancing existing loans or exploring eligibility options for any of our products, don't hesitate to reach out! Feel free to visit us at our branch located at 711 E Salem Ave Winston Salem Nc 27101, call us at (336) 727-2663, or explore more about our offerings online at https://www.mywsfcu.org. 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 help you navigate your financial journey!

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