Fall River Municipal Credit Union MA | Affordable Auto Loans & Checking

Introduction

Welcome to Fall River Municipal, your trusted partner in financial wellness! Located at 333 Milliken Blvd, Fall River, MA 02721, we have been serving our community since 1930. With a strong commitment to our members, we proudly support over 13,615 individuals and families, providing them with personalized banking services that meet their unique needs. At Fall River Municipal, we understand that financial decisions are deeply personal. That's why we focus on creating a welcoming environment where you can feel secure and valued. Our assets total an impressive $293,703,243, reflecting our stability and ability to invest in your future. Whether you're looking for loans or want to save for a dream home, our offerings cater to all stages of life. We provide a range of services including auto loans, mortgages, credit cards with rewards, and business banking options. With total deposits reaching $4,785,838 and a net worth of $29,393,532, you can trust that your money is in good hands. Our dedicated team of 53 employees, led by CEO Matthew Schondek and Board President Carl Garcia, is here to help you navigate your financial journey with ease. While members can visit us at our branch location for friendly service and assistance, official correspondence should be sent to the same address: 333 Milliken Blvd, Fall River, MA 02721. You can also reach us at (508) 678-9028 for any inquiries or support. Explore more about how we can help you achieve your financial goals by visiting our website at www.frmcu.com. Join us today and experience the difference that community-focused banking can make!

Branch History & Mission

Community Impact

Our commitment extends beyond transactions; it's about building relationships. We actively engage in community outreach initiatives that strengthen ties with local organizations and support various causes. Whether it's sponsoring local events or collaborating with nonprofits, we strive to make a positive impact in Fall River. As technology advances, so do we. We embrace digital tools like mobile applications and e-statements to enhance your banking experience while keeping security as a top priority. Join us at Fall River Municipal and be part of a credit union that cares deeply for its members and community. Experience firsthand how we can help you achieve your financial goals while fostering a strong sense of belonging. Visit us today or give us a call at 508-678-9028 to learn more about becoming a member!

Our Mission

At Fall River Municipal, our mission is clear: to provide exceptional financial services while supporting the needs of our members and the broader community. We believe that every individual deserves access to quality banking options tailored to their unique situations. Our services range from personal banking solutions like checking and savings accounts to auto loans and business banking options. We also prioritize making banking accessible for everyone. That's why we offer ADA-compliant facilities and online banking services that allow members to manage their finances easily from anywhere. Additionally, with convenient ATM availability and shared service center access, we ensure that your financial needs are met promptly.

Branch Location & Accessibility

Contact Us

Our friendly staff is always ready to assist you with any questions or concerns you may have. Don't hesitate to reach out at 508-678-9028 for more information about our services or visit us in person at 333 Milliken Blvd. We look forward to seeing you soon!

Operating Hours

We understand that your time is valuable. That's why we strive to provide flexible hours to accommodate your busy schedule. Our lobby is open from 9:00 AM to 4:00 PM Monday through Wednesday, and extended hours on Thursday and Friday until 6:00 PM. For your convenience, we also welcome visitors on Saturday from 9:00 AM to 12:00 noon.

Services Offered

At Fall River Municipal, 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. You can also take advantage of our online and mobile banking services for added convenience. If you require cash quickly, we have an ATM available on-site for easy withdrawals and balance checks. Additionally, if you're a member of another participating credit union, feel free to utilize our shared service center for basic transactions like deposits and withdrawals.

Member Eligibility

At Fall River Municipal, we believe that everyone deserves a chance to be part of our supportive community. Joining us is simple and welcoming! If you live, work, or worship in the Fall River area, you're likely eligible to become a member. We also extend our membership to family members of current members, making it easy to share the benefits of being part of our credit union. To learn more about specific eligibility criteria, feel free to check out the details at https://www.frmcu.com/about-us/membership/. Becoming a member opens up a world of financial opportunities tailored just for you. From competitive rates on loans and savings accounts to personalized service that makes banking feel less like a chore and more like a partnership, we're here to support your financial journey. Ready to take the next step? Opening an account is straightforward! You can start the process online at https://fallrivercu.financialhost.org/user-enrollment or give us a call at (508) 678-9028 if you have any questions. We look forward to welcoming you to the Fall River Municipal family at our convenient location: 333 Milliken Blvd Fall River Ma 02721!

Business Banking & Commercial Services

Lending Solutions for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $10 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $1,871,343, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make a Difference

Imagine having reliable payment processing solutions that allow you to focus on what matters most growing your business. Our merchant services offer practical benefits, enabling you to accept payments easily and efficiently. Whether you're selling in-store or online, we provide the tools you need to enhance customer satisfaction and streamline operations. Located at 333 Milliken Blvd Fall River Ma 02721 in Fall River, MA, we invite you to discover how our tailored business banking solutions can help you achieve your goals. Contact us today at (508) 678-9028 to learn more!

Comprehensive List Of Services

Business Banking Services

For our business members, we provide comprehensive business banking solutions, including merchant services and business loans. Whether you're starting a new venture or looking to expand an existing one, we're here to support your goals with the right financial tools.

Credit Card Benefits

We also offer credit cards with rewards that allow you to earn points on your everyday purchases, giving you more value from what you spend. Imagine using those points for travel, shopping, or even cashback it's all part of how we aim to enhance your financial journey.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we prioritize our online and mobile banking features. With these tools, managing your accounts is just a click away check balances, transfer funds, or pay bills anytime and anywhere. Plus, our ATM services allow easy access to cash with basic functions like withdrawals and balance checks.

Home Financing Made Easy

Thinking about buying a home? Our mortgage loans and refinancing options are designed to help you navigate the housing market confidently. We provide competitive rates and personalized service to ensure you find the best fit for your unique situation.

Personal Banking Solutions

We understand that managing your money should be easy and accessible. That's why we offer personal banking options like checking and savings accounts that suit various lifestyles. If you're in the market for a vehicle, our auto loans and vehicle financing make it straightforward to get behind the wheel of your dream car without breaking the bank. Need a little extra cash? Our personal loans and debt consolidation services can help ease financial stress by consolidating multiple debts into one manageable payment.

Shared Branch Transactions

If you're a member of another participating credit union, you can still enjoy some benefits at our branch! We facilitate basic shared branch transactions such as deposits and withdrawals so you can easily manage your funds without hassle. As part of our commitment to exceptional service, feel free to reach out to us at 508-678-9028 if you have any questions or need assistance. You can also visit us at 333 Milliken Blvd, Fall River MA 02721 during our lobby hours: Monday through Wednesday from 9:00 am to 4:00 pm, Thursday and Friday until 6:00 pm, and Saturday mornings until noon. Explore all that we have to offer at Fall River Municipal. Join us today and take control of your financial future!

Digital & Online Banking

At Fall River Municipal, we understand that managing your finances should be as easy and secure as possible. That's why we offer a comprehensive range of digital and online banking services designed to fit your busy lifestyle. With 24/7 access to your accounts, you can bank whenever and wherever it's convenient for you. One of the standout features is our robust online banking platform, which you can explore at https://www.frmcu.com/. This service allows you to check balances, transfer funds, and pay bills all in one place. Need to send money to a friend? Our person-to-person transfer feature makes it quick and simple, so you can handle transactions without any hassle. For those who prefer mobile banking, we've got you covered with our user-friendly mobile application available for download. Whether you're on the go or relaxing at home, you can manage your accounts with just a few taps. Plus, with electronic signature authorization, signing important documents is a breeze no need for paper or in-person visits. Stay organized and eco-friendly with e-statements, giving you instant access to your account statements without cluttering your mailbox. And if you're looking to make purchases swiftly, our mobile payments option is here to simplify your life (note: currently not available). At Fall River Municipal, security is our top priority. Our online banking system uses advanced encryption technology to keep your information safe while providing a smooth user experience. In short, whether you're checking your balance from the couch or making transfers during your lunch break, our digital banking services are designed for convenience and peace of mind. Experience the ease of banking with us today!

Financial Strength

Dedicated Team

Our strength lies not only in our numbers but also in our people. We take pride in having 47 full-time employees and 6 part-time employees who are always ready to assist you with knowledgeable support.

Growing Member Base

With a total of 25,632 share accounts, we showcase a strong and growing member base that trusts us with their finances. This trust is the foundation upon which we build our services. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Fall River Municipal is your trusted partner. Visit us at 333 Milliken Blvd Fall River Ma 02721 or call (508) 678-9028 to learn more about how we can help you achieve your financial goals.

Lending Capacity

We understand that meeting your financial goals is essential. That's why we offer $3,141 in used auto loans and $181,791,280 in total loans and leases to help you achieve those dreams. Our operational efficiency is reflected in our $19,589, which enables us to continue providing competitive loan rates and solid financial products for our members.

Reinvestment for Your Benefit

With $29,017,556 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment allows us to support your financial journey effectively.

Secured Savings

Members' savings are secured through $79,457,067 in share certificates and $10,547,304 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $252,245, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $29,393,532, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.01% 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 $12,171,204 in used vehicle loans and $4,216,232 in new vehicle loans already helping members get on the road, we are here to support your automotive journey. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have options that fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $1,871,343 provide the capital needed to grow and expand your business. We understand that every business has unique needs; therefore, our team works closely with you to tailor solutions that align with your goals.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $30,010,250. With our straightforward application process and dedicated staff ready to assist you every step of the way, owning a home is within reach.

Refinancing Options

If you're considering refinancing any existing loans, we encourage you to explore our competitive rates and terms designed for various financial situations. Refinancing can potentially lower your monthly payments or shorten your loan term options that can lead to significant savings. Our goal at Fall River Municipal is to empower you financially through personalized service and effective lending solutions. If you're ready to take the next step toward achieving your dreams or if you want more information about eligibility or how to apply for any of our loan products, please reach out by calling us at (508) 678-9028 or visit us at our branch located at 333 Milliken Blvd Fall River Ma 02721 in Fall River, MA. 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 look forward to helping you navigate your financial journey!

Unsecured Credit Card Loans

We also recognize that managing day-to-day expenses can sometimes require additional financial flexibility. That's why we offer unsecured credit card loans with a total of $0 currently available. These cards come with beneficial features designed to help you handle your finances effectively when unexpected costs arise.

Loan Aggregator

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FALL RIVER MUNICIPAL CREDIT UNION - Fall River, MA

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