1st Mississippi Credit Union Meridian MS | Best Auto Loans & Business Banking

Introduction

Welcome to 1st Mississippi, your trusted partner in financial services located at 600 19th Ave, Meridian, MS 39301. Since our establishment in 1972, we have been committed to serving our community with integrity and care. With a dedicated membership of 9,716 individuals, we pride ourselves on building relationships that matter. At 1st Mississippi, we understand that managing finances can be overwhelming, which is why we offer a range of services tailored to meet your needs. Our total assets stand at an impressive $78,094,013, ensuring that we are well-equipped to provide you with the support you deserve. Whether you're looking for personal banking options like checking and savings accounts, auto loans, or mortgage refinancing, we've got you covered. Our leadership team, including CEO Rebecca Cooper and Board President Clayton Cobler, is deeply invested in the welfare of our members and the community. Together with our team of 36 employees, we strive to create a welcoming environment where your financial goals can thrive. While you can visit us at our branch for all your banking needs, official correspondence should be sent to our mailing address at 600 19th Ave, Meridian, MS 39301. We encourage you to reach out with any questions at 601-693-6873 or explore our website at 1st Mississippi for more information. Experience the difference of community banking with a personal touch join us today!

Branch History & Mission

Join Us Today!

With operating hours from Monday to Friday, 8:30 AM to 5:00 PM, we're here when you need us most. If you're looking for a financial partner that truly cares about its members and community, look no further than 1st Mississippi. Experience the benefits of membership today by visiting us or calling at 601-693-6873. Join us as we continue to grow together!

Our Commitment to You

Our branch offers essential services such as personal checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. We ensure that you can manage your finances easily with features like online banking and mobile payments. Additionally, we provide convenient access through ATMs and drive-thru banking for those on the go. While members can visit us at 600 19th Ave for all their banking needs, official correspondence should be sent to our mailing address at 600 19th Ave, Meridian, MS 39301 if different from the branch address. As part of our commitment to accessibility, we maintain ADA compliance standards so that every member feels welcome in our space. We also offer shared service center options for those who may need additional assistance or resources.

Our Story

Located at 600 19th Ave, Meridian, MS 39301, our branch has become a cornerstone of the local community. Over the years, we have proudly watched as our total assets grew to an impressive $78,094,013. This growth reflects not only our commitment to responsible banking but also the trust our members place in us. We are proud to be part of this vibrant community and strive to foster strong relationships through personalized service and innovative solutions. 1st Mississippi is more than just a financial institution; it's a place where people come together for their banking needs. Our mission is simple yet powerful: to provide comprehensive financial services while supporting the well-being of our community. We believe in making a positive impact through partnerships with local organizations and outreach initiatives that benefit all residents.

Branch Location & Accessibility

Contact Us Today!

If you have any questions or need further assistance, feel free to call us at 601-693-6873. We're excited to help you achieve your financial goals! Come visit us at 1st Mississippi where community matters most your journey toward better banking starts here!

Nearby Landmarks and Accessibility

You can find us just a stone's throw away from local favorites like the Meridian Museum of Art and the historic Temple Theatre. Our location is not only easy to find but also offers ample parking and features that ensure accessibility for everyone. We take pride in being ADA compliant, making it simple for all members to visit us comfortably.

Operating Hours

At 1st Mississippi, we understand that life can get busy. That's why our doors are open Monday through Friday from 8:30 AM to 5:00 PM, allowing you plenty of time to drop by after work or during lunch breaks. If you prefer banking from the comfort of your home, remember that we also offer robust online and mobile banking services.

Services Offered

Our branch provides a wide range of services tailored to meet your needs. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Need quick cash? Our ATM is available for withdrawals and balance checks whenever you need it. Plus, enjoy the convenience of our drive-thru service for deposits and simple transactions without leaving your car! For those who may be members of partner credit unions, we also offer shared service center transactions so you can bank seamlessly with us.

Member Eligibility

At 1st Mississippi, we believe that everyone deserves a chance to be part of a caring and supportive community. If you're looking to join us, becoming a member is easier than you might think! Generally, anyone who lives, works, worships, or attends school in Lauderdale County is eligible to become a member. This means you can enjoy the benefits of our friendly financial services tailored just for you. To learn more about the specific eligibility criteria and ensure you're on track to join our family, feel free to check out this helpful resource: . Once you know you're eligible, opening an account at 1st Mississippi is a breeze! You can start your journey towards membership by visiting our website and following the simple steps outlined here: https://www.1stms.com/loans/apply-now . If you have any questions along the way or need assistance, don't hesitate to give us a call at (601) 693-6873. We're excited to welcome you to our branch at 600 19Th Ave Meridian Ms 39301 and look forward to helping you achieve your financial goals!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1 in commercial loans for our members, helping businesses scale and succeed. This funding can be the difference between staying afloat and expanding your operations. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions to meet diverse business needs. - With an outstanding commercial loan portfolio of $26,983, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to our loan offerings, we provide comprehensive merchant services that simplify transactions for your business. Whether you run a local shop or a bustling online store, our services make it easy for customers to pay using various methods credit cards, mobile payments, and more. This convenience not only enhances customer satisfaction but also helps streamline your cash flow. Located at 600 19Th Ave Meridian Ms 39301, Meridian, MS, we invite you to reach out at (601) 693-6873 to learn how our business banking and commercial services can empower your success. Let's work together to turn your vision into reality!

Comprehensive List Of Services

Business Banking

For business owners, we haven't forgotten about you! Our Business Banking services include essential Merchant Services that make processing payments easy and efficient, along with tailored Business Loans that cater specifically to the needs of small businesses.

Credit Cards

Our Credit Cards with Rewards program offers you a chance to earn points on everyday purchases, which can lead to exciting rewards and savings down the road. It's just one more way we strive to add value to your banking experience.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we have invested in robust Online & Mobile Banking features. Access your accounts anytime from anywhere using our user-friendly mobile application. Need cash? With our ATM services, you can easily withdraw money or check balances without stepping into the branch. Plus, our basic drive-thru banking allows for quick deposits and withdrawals for those on the go.

Personal Banking

We offer a variety of personal banking solutions tailored for individuals and families. Whether you're looking to open a checking or savings account, our accounts come with competitive interest rates and low fees. If you're considering purchasing a new car or refinancing an existing loan, our Auto Loans & Vehicle Financing options provide flexible terms to meet your budget. For larger purchases like homes, we have Mortgage Loans & Refinancing services that make the process straightforward and manageable. Perhaps you're facing unexpected expenses or want to consolidate debt? Our Personal Loans & Debt Consolidation options can help ease those burdens and put you back on track financially.

Shared Branch Services

As part of our commitment to accessibility, we also offer Basic Shared Branch Transactions, allowing members of partner credit unions to perform essential transactions like deposits and withdrawals seamlessly. We invite you to discover all the ways 1st Mississippi can assist you in achieving your financial aspirations. Our dedicated staff is ready to answer any questions you may have about our offerings or help you get started today. Feel free to reach out by calling us at (601) 693-6873, or visit us at our branch located at 600 19Th Ave Meridian Ms 39301 in Meridian, MS. We look forward to serving you!

Digital & Online Banking

Key Features

Our online banking platform is user-friendly and secure, making it simple for you to check balances, pay bills, and transfer funds. Whether you need to send money to a friend with our person-to-person transfers or authorize transactions with electronic signatures, we've got you covered. Plus, with e-statements available, you can keep track of your finances without the hassle of paper statements. If you're always on the move, you'll love our mobile application. It gives you access to all the features of online banking right from your smartphone. You can also take advantage of mobile payments for quick and easy transactions wherever you are.

Security First

We prioritize your security at every step. Our systems are designed to protect your personal information while providing an easy-to-navigate interface. You can feel confident knowing that your data is safe as you manage your accounts in real-time. In today's fast-paced world, having access to banking services whenever you need them is essential. At 1st Mississippi, we strive to make banking not just easier but also more accessible for everyone. Join us today and experience a new way to bank!

Financial Strength

Commitment to Operational Efficiency

Our $653,352 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 36 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Our commitment extends to maintaining strong net shares (funds available for lending and investments): $720,322.

Growing Trust Among Members

We currently serve a strong member base with a total of 21,371 share accounts. This growing trust signifies that our members feel secure entrusting their finances with us. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, 1st Mississippi is your trusted partner. Visit us at 600 19Th Ave Meridian Ms 39301 or call (601) 693-6873 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Solutions

Members' savings are secured through $3,697,224 in share certificates and $11,747,738 in money market shares, 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 are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvestment in Your Future

With $21,516,719 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, with $1,638 in used auto loans and $48,718,435 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Solid Financial Foundation

With a net worth of $22,407,510, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $2,861 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 $24,552,343 in used vehicle loans and $7,453,604 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new vehicle or a reliable used car, we have financing options that work for you.

Credit Lines and Personal Loans

For those looking for extra flexibility with their finances, we also offer total credit lines amounting to $4,000,000. These lines can be an excellent way to manage unexpected expenses or consolidate debt into manageable payments. We also offer flexible terms on unsecured credit card loans; however, currently there are no outstanding unsecured credit card loans available. This could change in the future as we continually evaluate our offerings based on member needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $179,318, make buying or refinancing simple. We strive to provide competitive rates and flexible terms that fit your financial situation.

Refinancing Options

If you already have a loan but are looking for better rates or terms, ask us about our refinancing options! We can help you navigate through potential savings that might be available based on current market conditions. At 1st Mississippi, we prioritize transparency and accessibility. 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 take control of your financial journey with confidence. Come visit us today!

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1ST MISSISSIPPI FEDERAL CREDIT UNION - Meridian, MS