ECM Credit Union Ridgeland MS | Affordable Vehicle Loans & Quick Personal Loans

Introduction

Welcome to Ecm, your trusted financial partner located at 665 Highland Colony Pkwy, Ridgeland, MS 39157. Since our establishment in 1967, we have dedicated ourselves to serving our community and fostering financial growth for all our members. With a current membership of over 2,311 and total assets amounting to an impressive $27,508,533, we strive to provide personalized services that make banking easy and accessible. At Ecm, we are proud of our commitment to our members' financial health. Whether you're looking for auto loans, personal loans, or business banking solutions, we've got you covered with a total loan portfolio of 1,331 loans. Our total deposits stand at $3,426,994, reflecting the trust our community places in us. While you can visit us directly at our branch address for all your banking needs, please remember that any official correspondence should be sent to our mailing address: P O Box 3300, Ridgeland, MS 39158. Led by CEO Jennifer Lovett and Board President Keith Hayward, our small but dedicated team of just 3 employees is here to ensure you receive the best possible service. We understand the importance of building relationships with our members and are eager to help you navigate your financial journey. As part of our ongoing commitment to innovation and convenience, we offer online and mobile banking options so you can manage your finances anytime, anywhere. If you're interested in learning more about how we can assist you or if you have questions about our services ranging from checking accounts to mortgages don't hesitate to give us a call at 601-605-8600. Join us at Ecm today and experience the difference a community-focused credit union can make! Visit us online at ecmfcu.com for more information or start your journey by opening an account here. We look forward to welcoming you!

Branch History & Mission

Community Focus

Over the years, we have embraced digital advancements, allowing us to provide convenient online and mobile banking services. We prioritize accessibility and strive for ADA compliance so everyone can benefit from our offerings. Although we currently do not have ATM or drive-thru services, our focus remains on delivering personalized service that meets your needs. Our commitment extends beyond banking; we actively engage in community outreach efforts that include financial literacy workshops and local sponsorships. These initiatives help empower individuals and families in our area, reinforcing our belief that financial success is best achieved together. As we look towards the future, we invite you to join the Ecm family. Experience firsthand how being a member means more than just having access to financial products; it's about being part of a supportive community dedicated to your growth and success. If you're ready to take the next step towards achieving your financial goals, visit us today or check out more information at http://www.ecmfcu.com. Your journey with us starts here!

Our Mission

At Ecm, our mission is straightforward: we aim to provide exceptional financial services while making a positive impact on our community. We believe in putting our members first, offering products such as checking and savings accounts, auto loans, mortgage refinancing, and more. Beyond banking, we are committed to community support through outreach programs and partnerships that uplift those around us. While members can visit us at 665 Highland Colony Pkwy Ridgeland Ms 39157, official correspondence should be sent to P O Box 3300, Ridgeland, MS 39158 if it differs from our branch location. Our operating hours are from 8 AM to 5 PM on weekdays, ensuring that we are available when you need us most.

Branch Location & Accessibility

Call to Action

So why wait? Come visit us at Ecm today! Experience the difference of community-focused banking right here in Ridgeland. If you'd like more information or want to chat before visiting, give us a call at (601) 605-8600. We look forward to welcoming you!

Operating Hours

At Ecm, we value your time. Our lobby hours are from 8 AM to 5 PM on weekdays, making it convenient for you to stop by either before or after work. If you need assistance or have questions during these hours, feel free to reach out at (601) 605-8600 we're always ready to help!

Parking and Accessibility

We understand that accessibility is important. That's why our branch features ADA-compliant entrances and ramps, ensuring that everyone can easily access our services. Parking is available right outside the branch, so you won't have to worry about finding a spot when you arrive.

Services Offered

We offer a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, our online and mobile banking services make managing your finances easier than ever.

Member Eligibility

Joining the Ecm family means stepping into a community where your financial well-being is our top priority. Becoming a member is straightforward and open to anyone who meets our friendly eligibility criteria. If you live, work, worship, or attend school in the area around 665 Highland Colony Pkwy Ridgeland Ms 39157, you're likely eligible to join us! We're dedicated to providing personalized service and a range of financial products designed just for you, making it easier than ever to manage your money and achieve your goals. To get started, simply check out the detailed eligibility requirements on our website at . And when you're ready to open an account, visit us online at https://bsdc.onlinecu.com/ecmfcu/#/ or give us a call at (601) 605-8600. We're excited to welcome you aboard and help you make the most of your membership!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine a world where managing payments is simple and efficient. With our merchant services, businesses can accept payments seamlessly, making transactions smoother for both you and your customers. This not only enhances customer satisfaction but also helps streamline your operations, allowing you to focus on what you do best running your business. Come visit us at 665 Highland Colony Pkwy Ridgeland Ms 39157 in Ridgeland, MS or call us at (601) 605-8600 to learn more about how we can help your business thrive!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $132 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $258,381, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Solutions

For our business members, we offer comprehensive business banking services, including merchant services and business loans. If you own a small business, our solutions can assist you in processing payments efficiently while also providing the funds necessary for growth.

Credit Card Options

Our credit cards with rewards are perfect for those who want to earn benefits while managing their purchases. Whether you're planning a vacation or simply shopping for everyday items, enjoy rewards that add value back into your wallet.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking options that allow you to manage your accounts anytime, anywhere. From checking balances to making transfers, everything is at your fingertips through our secure digital platforms. Plus, with features like electronic statements and mobile payments, keeping track of your finances has never been easier. Although we currently do not have ATMs or drive-thru services at this location, we're committed to ensuring that all members have access to vital banking functionalities through our digital channels. To learn more about how Ecm can support you in achieving your financial goals, don't hesitate to reach out! Call us at (601) 605-8600 or visit us online at Corporate Office. We look forward to serving you!

Personal Banking Services

Our personal banking options start with checking and savings accounts, designed to help you manage your daily finances while earning interest on your savings. Imagine having a simple way to set aside money for emergencies or future expenses. With our competitive rates and low fees, you'll find it easy to maintain control over your budget. When it comes to purchasing a car, our auto loans and vehicle financing solutions make the process straightforward. We understand that buying a vehicle is a significant decision, which is why we offer flexible terms that fit your lifestyle. Picture yourself driving home in your new car without the stress of complicated financing! If you're considering a new home or need to refinance your current mortgage, look no further than our mortgage loans and refinancing options. We can guide you through the steps of securing the best rate and terms available, making homeownership within reach. For those moments when life throws unexpected expenses your way, our personal loans and debt consolidation services are here to help. These loans can provide you with quick access to cash while simplifying your financial obligations into one manageable payment.

Digital & Online Banking

Convenient Online Services

Our 24/7 online banking services allow you to check your balances, pay bills, and transfer funds with ease. Whether you're at home or on the go, you can manage your money in real time. Plus, with our electronic signature authorization feature, signing documents is quick and hassle-free.

Easy Payment Solutions

Need to make purchases? Our mobile payments feature makes it easy to pay directly from your phone. While person-to-person transfers are not available at this time, our other features allow for smooth transactions between accounts. At Ecm, we strive to empower our members with tools that make banking simple and straightforward. Experience the convenience of modern banking with us today! For more information about our digital offerings, visit us at https://www.ecmfcu.com/ or give us a call at (601) 605-8600.

Secure Access to Your Accounts

We prioritize your security. Our mobile application ensures that your financial information is protected while giving you the flexibility to bank from your smartphone. You can also opt for e-statements to keep track of your transactions without the clutter of paper statements it's not only eco-friendly but also helps you stay organized.

Financial Strength

Focused on You

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. We also have $3,283,546 in undivided earnings, which means we reinvest in innovative banking tools and stronger lending options to serve our members better.

Lending Capacity

Our lending capacity supports members' financial goals across various sectors, with $570 in used auto loans and $16,067,907 in total loans and leases. This diversity allows us to meet your needs whether you're looking to buy a new car or finance other important life events.

Member-Centric Savings

Members' savings are secured through $6,875,507 in share certificates, offering stable and rewarding financial growth opportunities. This commitment to safeguarding your savings shows how much we prioritize your financial well-being.

Operational Efficiency

Our $300,426 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 3 full-time employees ready to assist you with personalized service.

Solid Financial Health

With a net worth of $3,599,810, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,308 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Community Trust

With a total of 2,548 accounts held by our growing member base, it's clear that more people trust us with their finances every day. This is a testament to the strong relationships we build within the community. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Ecm is your trusted partner. Visit us at 665 Highland Colony Pkwy Ridgeland Ms 39157 or call (601) 605-8600 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $9,952,515 in used vehicle loans and $1,766,591 in new vehicle loans already helping members get on the road. We know that purchasing a vehicle is a significant investment, which is why we aim to make the process as smooth as possible.

Business Financing

For business owners, our outstanding commercial loans totaling $258,381 provide the capital needed to grow and expand your enterprise. We are dedicated to supporting local businesses and entrepreneurs by offering competitive rates and personalized service.

Credit Lines

If you're looking for flexibility in your borrowing options, consider our credit lines with a total available amount of $500,000. This option allows you to borrow only what you need when you need it while managing interest costs effectively. At Ecm, we prioritize making lending accessible and straightforward for everyone in our community. If you're interested in exploring refinancing options or checking your eligibility for any of these products, please don't hesitate to reach out. For more information about our loan offerings or to discuss your specific financial situation, feel free to contact us at (601) 605-8600 or visit us at 665 Highland Colony Pkwy Ridgeland Ms 39157, located in Ridgeland, MS. Our friendly staff is ready to assist you during our operating hours from 8 AM to 5 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Mortgage Options

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Although we currently have $0 in Junior Lien 1-4 Family Residential Properties loans available, our team can guide you through various mortgage solutions that fit your needs.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $231,642 in loans helping members manage their finances effectively. These cards provide an easy way to handle unexpected expenses or to consolidate debt without needing collateral.

Loan Aggregator

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How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures that users receive fair and transparent offers when comparing loans. Each listing reflects current rates and terms, making it easier for individuals to make informed financial decisions.

ECM FEDERAL CREDIT UNION