Who We Are

LGFCU Commercial Lending is improving communities across North Carolina. Having served local government employees, elected officials, volunteers, and their families across North Carolina for more than 30 years, we are people who understand you and what you do. Our commercial lending program reflects this intimate knowledge of North Carolina local governments.

People Are Talking

Bill was friendly, courteous, and prompt… and was instrumental in making the loan process flow seamlessly.
Ronald Powell
Treasurer, Gates County Rescue Squad

Doing Business

We know you can get a commercial loan anywhere. But, you'll immediately notice a difference working with LGFCU Commercial Lending.

We want to give you more than just a loan; we want to provide value, personal service, and an application process that's simple and doesn't waste your time. LGFCU Commercial Lending believes that integrity and credibility still belong in the financial services industry.

Improving North Carolina communities is important to us. We lend solely to fire, rescue, EMS departments and squads, and municipalities in North Carolina. We know this allows you to obtain much-needed equipment and in turn provide services that better the communities you serve.

Benefits to Borrowers

Personal attention

  • Save time with in-person closings. We come to you.
  • Service for the life of the loan—We are your partners before, during and after the transaction.

No-hassle process

Rates and terms

  • Competitive interest rates
  • No fees, no prepayment penalties
  • Flexible terms

Meet the LGFCU Commercial Lending Team

LGFCU Commercial Lending is proud to be involved with events like the 10th Annual North Carolina Fallen Firefighters Memorial Service.

Since our founding in 2006, the commercial lending team has focused on building relationships across the state. Whether it's on the regional, state or county level, we continuously attend Fire, EMS, and Rescue meetings, and other events to learn about the specific needs and challenges you face.

We'll continue meeting you where you are and learning how we can provide products and services to assist in making your job easier. With member business loans spread across 78 counties and counting, our team aims to serve organizations in every corner of all 100 N.C. counties.

Our commercial lending team members bring more than 80 years experience in lending and a commitment to support what you're doing. Providing the personal service that we expect to receive ourselves, you can count on us to be more than just a lender. We're your partners.

Bill Carter
Director, Fire and Rescue

As Vice President of LGFCU Commercial Lending, I'm allowed the opportunity to come to work each day with the sole intent of assisting Fire, Rescue, and EMS departments not only with their commercial lending needs, but also with their short- and long-term financial goals. It is an honor and a privilege to assist those who so bravely risk their lives each and every day to serve our communities across North Carolina.

Sherrod Warwick
Commercial Lending Manager

Being able to help Fire, Rescue, and EMS departments save money and time, while assisting them with their financing needs is an honor for me. As a volunteer fireman myself for more than 40 years, I know the cost and time it takes to provide this valuable service to communities throughout the state. As a Commercial Loan Officer at LGFCU Commercial Lending, I have the privilege of working on a job where my passion for emergency services can be used to help the many selfless individuals who freely give of their time and energy to protect lives and property.

Loren Pittman
Senior Commercial Loan Officer

As a key member of our Commercial Lending Team at LGFCU Commercial Lending I appreciate the opportunity to help those who help others. My desire is to do what is in the best interest of Fire, Rescue, and EMS departments by saving them time and money, as well as to give them peace of mind so they can focus on helping their communities.

Jason Rackley
Senior Commercial Loan Officer

By having a family member as a long-time fireman, I have a tremendous amount of respect and awareness of the struggles, loyalty and dedication of the members of the fire service in North Carolina. Therefore, as a part of the Commercial Lending Team at LGFCU, I am honored and proud to be able to work with the members of North Carolina Fire, Rescue & EMS to assist and serve them with their financial needs. It's a great feeling to know that I am giving back to these individuals who unselfishly volunteer for their local communities in North Carolina.