WNC Community Credit Union Waynesville NC | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Wnc Community Cu, your trusted partner in financial well-being since 1946. Nestled in the heart of Waynesville, NC, at 27 Kent Ln, we are proud to serve our community with a commitment to exceptional service and member satisfaction. With a total membership of 3,395 and assets totaling an impressive $93,844,894, we strive to provide you with the resources and support needed for a brighter financial future. At Wnc Community Cu, we understand that every member's needs are 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 drive-thru service ensures that even on the go, you can access your accounts conveniently from 7:30 AM to 5:00 PM on weekdays. Our leadership team is dedicated to fostering strong relationships within our community. Under the guidance of CEO William Roberts and Board President Bobby Capps, we continuously work towards enhancing our services while maintaining a strong financial foundation. With a net worth of $15,595,263 and cash reserves of $1,018,778, you can trust that your financial journey is secure with us. Whether you're looking to take out a loan or simply want to discuss your options with a friendly representative, we invite you to reach out at (828) 456-1840 or visit us online at wncccu.org. While members can visit us at our branch address, official correspondence should be sent to our mailing address at 27 Kent Ln, Waynesville, NC 28786-6099. Join us today and experience the difference of being part of a community-focused credit union where your goals are our priority!

Branch History & Mission

Our Mission

The mission of Wnc Community Cu is simple yet profound: to empower our members by providing exceptional financial services while fostering community growth and support. We believe in the power of financial education and strive to help every member achieve their financial goals. By offering personalized solutions tailored to individual needs, we ensure that every interaction is meaningful. While members can visit us at 27 Kent Ln, official correspondence should be sent to 27 Kent Ln, Waynesville, NC 28786-6099 if different from our branch address. As part of our commitment to innovation and accessibility, we've integrated digital advancements like online banking and mobile apps that make managing your finances easier than ever. We're also proud to be ADA compliant, ensuring that everyone can access our services without barriers. Wnc Community Cu thrives on the spirit of community partnership. Over the years, we've engaged in various outreach programs aimed at supporting local schools and charities. These initiatives reflect our dedication not only to our members but also to the broader community we serve. We invite you to experience the benefits of being a part of Wnc Community Cu. Join us today and let us help you navigate your financial journey with confidence! For more information or assistance, please call us at 828-456-1840 during our operating hours from 7:30 am to 5:00 pm on weekdays. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility and Features

At Wnc Community Cu, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, including ramps and designated parking to ensure everyone can visit us comfortably. If you're in a hurry or prefer a quick transaction, our drive-thru service is ready to assist you with deposits, withdrawals, and simple transactions without needing to leave your vehicle.

Getting in Touch

While members can visit us at 27 Kent Ln, official correspondence should be sent to our mailing address at 27 Kent Ln, Waynesville, NC 28786-6099. If you have any questions or need assistance, feel free to reach out at 828-456-1840. We're always happy to help!

Operating Hours

We're here for you Monday through Friday from 7:30 am to 5:00 pm. Whether you need help with personal banking, auto loans, or mortgage options, our dedicated team is ready to provide personalized service during these hours.

Visit Us Today!

We invite you to come by and experience the warm and welcoming atmosphere of Wnc Community Cu. Whether you're looking for checking accounts or exploring loan options, we are here to guide you every step of the way. Join our family today and discover how we can support your financial journey!

Member Eligibility

At Wnc Community Cu, we believe that joining our credit union is more than just opening an account it's about becoming part of a community that truly cares. To become a member, you simply need to meet a few friendly criteria. If you live, work, worship, or attend school in Haywood County, you're already eligible! Additionally, family members of current members can join too, making it easy to share the benefits with loved ones. Becoming a member gives you access to personalized financial services and competitive rates tailored to your needs. If you're ready to take the next step, opening an account is straightforward and welcoming! For more details on eligibility and the process, feel free to check out our website at http://wncccu.org#membership or give us a call at (828) 456-1840. We can't wait to welcome you to Wnc Community Cu, located at 27 Kent Ln Waynesville Nc 28786!

Business Banking & Commercial Services

Merchant Services That Make a Difference

In addition to loans, we offer comprehensive merchant services that simplify payment processing for your business. Imagine a bustling café where customers can easily pay with their cards or mobile devices, enhancing their experience while you manage transactions seamlessly. Our services help you focus on what matters most growing your business. Located at 27 Kent Ln Waynesville Nc 28786, we're ready to partner with you on your journey toward success. Connect with us today at (828) 456-1840 or visit our website at https://www.wncccu.org/ to learn more about how we can assist your business!

Tailored Loan Options

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 $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.

Comprehensive List Of Services

Additional Services

Need cash? Our basic drive-thru banking service allows you to make deposits and withdrawals without leaving your car perfect for those busy days when every minute counts! At Wnc Community Cu, we strive to create an environment where our members feel valued and supported. We invite you to visit us at 27 Kent Ln Waynesville Nc 28786 or give us a call at (828) 456-1840 to learn more about how we can assist you in reaching your financial goals. Join us today at Wnc Community Cu, where community comes first!

Business Banking Support

For our business members, we provide essential services including Merchant Services & Business Loans. We understand how important it is for businesses to have reliable banking solutions, and we're here to support your growth with personalized financial advice.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features, allowing you to manage your accounts from anywhere at any time. With easy access to check balances, pay bills, and transfer funds right from your smartphone or computer, you'll have peace of mind knowing your finances are always within reach.

Financial Assistance

In addition to these services, we offer Personal Loans & Debt Consolidation solutions for those looking to simplify their finances. Picture consolidating multiple debts into one manageable payment this could be your path toward financial freedom! Our credit cards come with rewards that make everyday spending more rewarding. Whether it's for groceries or gas, enjoy benefits that add value back into your wallet.

Personal Banking Solutions

We understand that managing your finances can sometimes feel overwhelming, which is why we offer a variety of personal banking options designed just for you. Whether you're looking to open a checking or savings account, our friendly staff will guide you through the process, ensuring you find the right fit for your lifestyle. If you're in need of financing for a new car or vehicle, our Auto Loans & Vehicle Financing services can help get you on the road quickly. Imagine cruising through town in your dream car while enjoying competitive rates and flexible terms tailored to your budget. For those considering home ownership or refinancing, our Mortgage Loans & Refinancing options are here to help make that dream a reality. We provide personalized support throughout the process, so you feel confident every step of the way.

Digital & Online Banking

Key Features

For those who prefer digital statements, e-statements are available, allowing you to keep track of your financial activity without the clutter of paper. This not only helps in maintaining an organized record but also enhances security by reducing the risk of identity theft. While we currently do not support mobile payments, our user-friendly mobile application makes it simple for you to manage your accounts right from your smartphone. With just a few taps, you can view transactions, make deposits, and even set up alerts to stay informed about your finances. If you're looking to send money quickly, our current setup does not include person-to-person transfers, but we're committed to providing features that enhance your banking experience. You can still rely on our straightforward online banking tools to handle most transactions efficiently.

Security and Convenience

We prioritize your security with every transaction. While we do not offer electronic signature authorization at this time, rest assured that your personal information is protected with robust security measures throughout our digital platforms. At Wnc Community Cu, we aim to make banking accessible and hassle-free for all members. Whether you're checking balances or reviewing recent transactions, our online banking services are designed for real-time account management that fits seamlessly into your daily life. Explore all these features today by visiting us at https://www.wncccu.org/ !

Financial Strength

A Growing Community

Total Share Accounts: 6,317, showcasing a strong and growing member base that trusts us with their finances. With net shares available for lending and investments totaling $382,528, we have the resources needed to support your financial journey. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Wnc Community Cu is your trusted partner. Visit us at 27 Kent Ln Waynesville Nc 28786 or call (828) 456-1840 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.

Commitment to Growth

With $15,358,160 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, with $241 in used auto loans and $55,658,614 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Member-Centric Savings

Your savings are safeguarded through $4,670,095 in share certificates, 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 focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our efficient operations reflect in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 12 full-time employees and 0 part-time employees who are always ready to assist you with knowledge and commitment.

Solid Financial Health

With a net worth of $15,595,263, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,658 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 $4,483,269 in used vehicle loans and $526,195 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used one, we have options designed to fit your budget and lifestyle.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Although we currently do not have Junior Lien 1-4 Family Residential Properties loans available, we encourage you to reach out for more information about potential future offerings. Owning a home is within your reach, and we're here to help guide you through the process.

Personal Loans and Credit Lines

In addition to auto and mortgage loans, we also provide personal loans and flexible credit lines. With total credit lines of $11,072,668, our members can access funds when they need them most. Whether you're planning a big purchase or looking to consolidate debt, our competitive rates can help ease your financial burdens.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, which are essential for managing day-to-day expenses effectively. While there are currently no outstanding unsecured credit card loans at this time, our team is committed to assisting you with any questions regarding eligibility or future product offerings. For those considering refinancing options, please inquire with us directly about how we can assist you in making the most out of your current financial situation. If you have any questions or want to explore our loan offerings further, don't hesitate to contact us at (828) 456-1840 or visit us at 27 Kent Ln Waynesville Nc 28786 in Waynesville, NC. We're here to support you every step of the way on your financial journey. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

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WNC COMMUNITY CREDIT UNION