Baxter Cleveland MS Credit Union | Affordable Auto Loans & Business Banking

Introduction

Welcome to Baxter, your trusted partner in financial services, located at 911 N Davis Ave, Cleveland, MS 38732. Since our establishment in 1980, we have been dedicated to serving our community with integrity and care. With a proud membership of 356,643, we strive to ensure that each member receives personalized attention tailored to their unique financial needs. At Baxter, we understand that your financial journey is important. That's why we've built a solid foundation, boasting total assets of $5,907,858,695 and total deposits reaching $375,038,208. Our commitment to helping you achieve your goals is reflected in the 236,025 loans we have issued to date. Under the leadership of our CEO, Michael Valentine, and Board President, Mike Curran, we work hard every day to provide exceptional service and innovative solutions. We pride ourselves on being more than just a financial institution; we're a part of your community. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, our dedicated team is here to help. While members can visit us at our branch location, official correspondence should be sent to our mailing address: 911 N Davis Ave, Cleveland, MS 38732-2106. Feel free to reach out to us at 800-388-7000 during our operating hours from 7 AM to 4:30 PM (M-F). Explore how Baxter can support you on your financial journey by visiting us online at bcu.org. Join us today and experience the difference of being a valued member of Baxter!

Branch History & Mission

Join Us

Our journey has been one of growth and service, and we invite you to be part of it. Experience firsthand how Baxter can help you reach your financial aspirations while being an integral part of the Cleveland community. Together, let's build a brighter future. For more information or to become a member today, call us at 800-388-7000 or visit our website.

Our Mission

At Baxter, our mission goes beyond just providing financial products; it's about fostering community connections and supporting local initiatives. We believe that when our members thrive, so does our community. Whether it's through offering affordable loans or engaging in outreach programs, we strive to make a positive impact on those around us. While members can visit us at our branch location for assistance during our lobby hours from 7 AM to 4:30 PM (Monday through Friday), official correspondence should be sent to the same address: 911 N Davis Ave, Cleveland, MS 38732-2106. We also understand the importance of accessibility. Our commitment to ADA compliance ensures that all members of our community can access our services without barriers.

Our Story

Baxter began with a simple mission: to provide personalized financial services that empower individuals and families to achieve their goals. Over the years, we have grown significantly, now boasting a total membership of 356,643 and total assets amounting to an impressive $5,907,858,695. This growth reflects our commitment to serving our members with integrity and dedication. As we evolved, we embraced technological advancements to enhance our services. Today, we offer features such as online banking and mobile payments to ensure that banking is convenient and accessible for everyone. Our ATM services are available for quick withdrawals and balance checks, giving you flexibility in managing your finances.

Branch Location & Accessibility

Call-to-Action

We invite you to stop by and experience our welcoming environment firsthand! Our team at Baxter Credit Union looks forward to assisting you with all your financial needs. Don't wait; come visit us today!

Operating Hours

Our doors are open Monday through Friday from 7 AM to 4:30 PM, making it simple to fit banking into your busy schedule. If you need assistance after hours or on weekends, don't hesitate to reach out to us at 800-388-7000.

Parking and Accessibility

When you visit us, you'll find ample parking available right outside the branch for your convenience. We prioritize accessibility and have features like ADA-compliant ramps to ensure everyone can easily navigate our space.

Services Offered

At Baxter Credit Union, we offer a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have you covered. You can also enjoy the convenience of online and mobile banking, making it easier than ever to manage your finances on the go. While members can visit us at 911 N Davis Ave for all their banking needs, official correspondence should be sent to the same address as our mailing address is also 911 N Davis Ave, Cleveland, MS 38732-2106.

Member Eligibility

At Baxter, we believe that everyone deserves the chance to join a supportive community where your financial needs are prioritized. Becoming a member is straightforward and welcoming! If you live, work, worship, or attend school in the area around 911 N Davis Ave Cleveland Ms 38732, you're already eligible to become a part of our family. We embrace individuals from various backgrounds and walks of life, making it easy for you to enjoy personalized services tailored just for you. Joining us opens up a world of benefits from competitive rates on loans to access to exclusive financial products designed with your interests in mind. For detailed information on eligibility requirements, feel free to check out our resource page at http://www.bcu.org/member-resources/join/membership-eligibility. Ready to take the next step? Opening an account is simple just visit our account opening page at http://www.bcu.org/mortgages-and-home-equity/buying-your-home/ready or give us a call at (800) 388-7000. We can't wait to welcome you into the Baxter community!

Business Banking & Commercial Services

Financing Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $198 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $5 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $186,977,089, we continue to drive economic growth by financing new and expanding businesses.

Practical Merchant Services

Imagine being able to accept payments effortlessly while managing your cash flow more effectively. Our merchant services are designed for convenience and efficiency, allowing you to focus on what you do best running your business. With tools that streamline transactions and reporting, you can enhance customer satisfaction and improve your bottom line. Visit us at 911 N Davis Ave Cleveland Ms 38732 in Cleveland, MS, or contact us at (800) 388-7000 to learn how we can partner together for your business's financial success!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? With ATM access available at our branch and other locations, withdrawing cash is simple and convenient. You can perform balance checks and withdrawals without any hassle. At Baxter in Cleveland, MS, we strive to provide not just banking services but also peace of mind as you navigate life's financial challenges. For more information about how we can assist you or to explore specific services further, don't hesitate to call us at 800-388-7000 or visit us online at www.bcu.org. Join us today and experience the difference personalized service makes!

Auto Loans & Vehicle Financing

Need a new vehicle? Our auto loans offer competitive rates that can fit comfortably within your budget. Picture yourself driving off in that new car without the stress of high monthly payments. At Baxter, we streamline the application process so you can focus on enjoying your new ride.

Business Banking

For entrepreneurs and small business owners, we offer business banking solutions including merchant services and business loans. Start or grow your business with confidence knowing Baxter supports you with funding options and resources tailored specifically for businesses.

Credit Cards with Rewards

Make your everyday purchases work for you! Our credit cards come with rewards programs that let you earn points on what you already buy. Whether it's groceries or gas, watch those rewards stack up and use them toward exciting experiences or cashback.

Mortgage Loans & Refinancing

Buying a home is one of the biggest decisions you'll make. With our mortgage loans and refinancing options, Baxter helps simplify this process. If you're considering buying your first home or refinancing your existing mortgage for better terms, our team is here to guide you every step of the way.

Online & Mobile Banking

In today's fast-paced world, managing finances from anywhere is crucial. Our online and mobile banking services allow you to check balances, transfer funds, and pay bills right from your smartphone or computer. This means more time doing what matters most while keeping an eye on your financial health.

Personal Banking

Whether you're looking to open a checking account for day-to-day expenses or a savings account to plan for the future, Baxter has you covered. Our personal banking services make it easy to manage your money effectively. For instance, if you're planning a vacation or saving for a new home, our accounts can help you set aside funds effortlessly.

Personal Loans & Debt Consolidation

If unexpected expenses arise or you're looking to consolidate debt into one manageable payment, our personal loans provide flexible solutions tailored to your situation. Imagine tackling those bills with ease by combining them into a single loan Baxter makes it possible.

Digital & Online Banking

Key Features of Our Digital Banking Services

With just a few clicks, you can access your accounts anytime through our online banking platform available at https://www.bcu.org/. This service offers 24/7 access to your financial information, allowing you to check balances, transfer funds, and pay bills whenever it suits you. You'll appreciate the ability to view e-statements for an organized look at your transactions and finances making it easy to track spending without the clutter of paper statements. Our mobile application adds another layer of flexibility. With it, you can enjoy features like mobile payments and person-to-person transfers right from your smartphone. Want to send money to a friend? It's as simple as a few taps! Plus, if you need to sign documents quickly, our electronic signature authorization feature lets you do that securely without the hassle of printing. Security is a top priority for us. We employ advanced measures to ensure that your personal information remains safe while you manage your account online. You can confidently navigate through our services knowing that we're protecting your data every step of the way. In short, Baxter's digital and online banking options are designed with you in mind providing real-time account management that's accessible whenever and wherever you need it. Join us today and experience the freedom of banking on your terms!

Financial Strength

Commitment to Growth

Our financial strength is further highlighted by our $555,241,441 in undivided earnings, which we reinvest into innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $42,702 in used auto loans and $4,885,148,124 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Growing Community Trust

The trust placed in us by our community is evident with 937,378 total share accounts. This growing member base shows that individuals like you find value in what we offer. Our Net Shares (Funds available for lending and investments) stand at $1,883, further emphasizing our capacity to meet your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Baxter is your trusted partner. Visit us at 911 N Davis Ave Cleveland Ms 38732 or call (800) 388-7000 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.

Member-Centric Approach

Members' savings are secured through $1,375,018,397 in share certificates and $669,125,557 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $263,451,299, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 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 743 full-time employees and 9 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundation

With a net worth of $593,054,340, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,023 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 $765,031,428 in used vehicle loans and $480,496,932 in new vehicle loans already helping members get on the road. We provide flexible terms that fit your budget and lifestyle, ensuring that you can drive away satisfied.

Credit Lines and Unsecured Credit Cards

For those needing flexibility in managing finances, our total credit lines amount to $2,238,362,354. This product allows you to access funds as needed while keeping interest costs down. We also provide flexible terms on unsecured credit card loans, with a total of $386,418,799 in loans helping members manage their finances effectively. Enjoy peace of mind knowing you have resources available for unexpected expenses or planned purchases.

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $439,909,904, make buying or refinancing simple. We offer competitive rates and various terms to help you find the best fit for your situation. Plus, if you're considering refinancing, our team is ready to assist you with eligibility options tailored just for you.

Supporting Local Businesses

For business owners, our outstanding commercial loans totaling $186,977,089 provide the capital needed to grow and expand your business. Whether you're looking to invest in equipment or need working capital, we are here to support your entrepreneurial ambitions. At Baxter, we're dedicated to empowering our members through tailored financial solutions. If you're interested in learning more about any of our loan offerings or would like assistance in choosing the right one for you, please don't hesitate to reach out at (800) 388-7000 or visit us at 911 N Davis Ave Cleveland Ms 38732 in Cleveland, MS. 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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Baxter

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Student Loans

Vehicle Loans