Fedtrust Memphis TN Credit Union | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Fedtrust, your trusted financial partner right here in Memphis, TN. Located at 225 N Humphreys Blvd Ste 1029, we have been serving our community since 1959. With a commitment to providing exceptional financial services, we proudly support over 3,056 members, helping them achieve their financial goals with confidence. At Fedtrust, we understand that every dollar matters. That's why our total assets stand strong at $50,621,711, with total deposits reaching $116,017. Our solid foundation is reinforced by a net worth of $3,767,085 and cash on hand amounting to $778,856. We are dedicated to offering a range of products including personal banking services like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards tailored for our members' needs. Led by our dynamic CEO, Christina Smith, and guided by Board President David Sirmans, our team of 12 employees is here to ensure that you receive personalized service every step of the way. Whether you're interested in taking out a loan or simply want to learn more about managing your finances, we're here to help. While you can visit us at our branch for any inquiries or assistance during our lobby hours from 8:30 AM to 5:00 PM, we encourage you to explore the convenience of our online services available at Fedtrust's website. For any official correspondence, please send it to our mailing address: 225 N Humphreys Blvd Ste 1029, Memphis, TN 38120-2111. Join us today and discover how Fedtrust can empower your financial journey. Don't hesitate to give us a call at 901-747-3631 we're ready to assist you!

Branch History & Mission

Welcome to Fedtrust, a cornerstone of community banking in Memphis, TN. Established in 1959, our branch has a proud history that reflects our commitment to serving the local community. Over the years, we have grown from a small credit union into a trusted financial partner for over 3,056 members. With total assets of $50,621,711, we are dedicated to providing personalized service and innovative financial solutions. Located at 225 N Humphreys Blvd Ste 1029, Memphis, TN 38120, our branch is easily accessible and surrounded by familiar landmarks that make it convenient for all our members. If you need to send official correspondence, please use our mailing address: 225 N Humphreys Blvd Ste 1029, Memphis, TN 38120-2111. At Fedtrust, our mission is clear: to empower our members through exceptional financial services while fostering community growth and support. We believe that everyone deserves access to quality banking services that are tailored to their needs. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing options, we're here to help you achieve your financial goals. In an ever-changing world, we've embraced digital advancements without losing sight of our roots. Our online and mobile banking platforms make it easy for members to manage their finances on-the-go. We also prioritize accessibility; our facilities are ADA compliant to ensure everyone can benefit from our services. Community outreach is at the heart of what we do. We actively engage in partnerships and initiatives designed to uplift those around us. From supporting local charities to participating in community events, Fedtrust is committed to making a positive impact right here in Memphis. As you explore your banking options, we invite you to join us at Fedtrust. Experience the difference of being part of a credit union where your needs matter most. Our friendly team is ready to welcome you during our operating hours: Monday through Friday from 8:30 am to 5:00 pm. Don't hesitate call us today at 901-747-3631 or visit our website at fedtrustfcu.com for more information. Join us at Fedtrust and take the first step towards a brighter financial future!

Branch Location & Accessibility

Welcome to Fedtrust at our Eaglecrest branch, conveniently located at 225 N Humphreys Blvd Ste 1029, in the heart of Memphis, TN. Our branch is easily accessible and situated near notable landmarks, making it a prime spot for all your banking needs. Whether you're coming from work or stopping by during your day off, we invite you to experience the welcoming atmosphere we've created for our members. At Fedtrust, we understand the importance of convenience. That's why we offer dedicated parking spaces right outside our branch, ensuring that your visit is as hassle-free as possible. For those who require additional assistance, rest assured that our location is ADA compliant, featuring ramps and accessible entrances. Our lobby hours are designed with your schedule in mind open from 8:30 AM to 5:00 PM on weekdays. If you need assistance outside these hours, our ATM services are available to help with cash withdrawals and balance checks any time you need them. While you can drop by our branch for all your banking needs, please note that official correspondence should be sent to the same address: 225 N Humphreys Blvd Ste 1029, Memphis, TN 38120-2111. Whether you're looking to open a new account, apply for an auto loan, or explore personal banking options like credit cards with rewards, our friendly team is ready to assist you every step of the way. Have questions? Feel free to give us a call at 901-747-3631. We can't wait to see you!

Member Eligibility

Welcome to the community at Fedtrust! Becoming a member is an exciting step towards better financial health and opportunities. If you live, work, worship, or attend school in the Memphis area, you're likely eligible to join us. We value everyone in our community and believe that banking should be accessible for all. At Fedtrust, we offer a range of services tailored to fit your needs, from checking accounts to loans and credit cards with rewards. The process to become a member is straightforward and friendly. You can find detailed eligibility criteria by visiting our website at https://fedtrustfcu.com/membership . If you're ready to open an account or just want to learn more, feel free to reach out at (901) 747-3631 or check out our account opening page here: https://loans.itsme247.com/853/home . We look forward to welcoming you into our family at Fedtrust, located at 225 N Humphreys Blvd Ste 1029 Memphis Tn 38120!

Business Banking & Commercial Services

Streamlined Merchant Services

In addition to loans, we offer merchant services that make daily operations smoother. Imagine being able to accept payments from customers seamlessly, whether online or in-person. Our services help you manage transactions effortlessly, allowing you to focus more on what you do best running your business. Located at 225 N Humphreys Blvd Ste 1029 Memphis Tn 38120, Memphis, TN, our team is ready to assist you. Reach out today at (901) 747-3631 to explore how Fedtrust can be your trusted partner in business banking!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

For our business members, we offer comprehensive Business Banking solutions including Merchant Services and Business Loans. These tools are designed to support local businesses in growing their operations while managing their finances efficiently.

Convenient Access

In addition to these services, we provide convenient access through our ATM & Cash Withdrawal Services, ensuring that you can easily withdraw cash or check balances whenever necessary. With basic ATM access available at multiple locations, managing your money has never been easier. If you're ready to take charge of your financial journey or have any questions about our services, don't hesitate to reach out! Call us at 901-747-3631 or visit our website at fedtrustfcu.com for more information. Join the Fedtrust family today and let us help you achieve your financial goals!

Financing Your Dreams

Looking to drive away in a new car? Our Auto Loans and Vehicle Financing options make it simple to get behind the wheel without breaking the bank. We offer flexible terms and competitive rates tailored for every member's unique situation. For those dreaming of homeownership, explore our Mortgage Loans and Refinancing services that can help you secure the perfect loan for your new home or lower your current mortgage payments.

Personal Banking Made Easy

Our Personal Banking services include Checking and Savings Accounts designed to help you manage your money effortlessly. Imagine having easy access to your funds while enjoying competitive interest rates that help your savings grow. With our Online and Mobile Banking, you can check balances, transfer funds, and pay bills right from your smartphone. No more waiting in line banking is just a tap away!

Rewarding Credit Solutions

At Fedtrust, we also understand the importance of credit in today's world. Our Credit Cards with Rewards allow you to earn points on purchases you already make. Whether it's travel rewards or cash back offers, we have options that suit various lifestyles.

Support When You Need It

Life can throw unexpected expenses your way. That's why we provide Personal Loans and Debt Consolidation options to give you peace of mind when you need it most. Our loans are designed to fit your budget, making it easier than ever to take control of your finances.

Digital & Online Banking

Key Services

With our online banking platform, you can handle your banking needs anytime, anywhere. This service allows you to check balances, transfer funds, and pay bills with just a few clicks. Plus, our mobile application ensures that all these features are right at your fingertips. You can also enjoy the ease of mobile payments, making transactions quicker than ever. For those who prefer paperless communication, we provide e-statements that help you stay organized without cluttering your mailbox. Additionally, our electronic signature authorization makes signing documents hassle-free no more waiting for physical copies to arrive in the mail!

Secure and Accessible Banking

Security is our top priority. Our online banking services are equipped with robust security measures to keep your information safe. You can rest easy knowing that your data is protected while you manage your finances. Need to send money to friends or family? Our person-to-person transfers allow you to do just that with confidence and convenience. With 24/7 access to all these services, you're always in control of your financial situation. In summary, Fedtrust's digital and online banking options are designed to make your life easier while keeping your information secure. Join us today and experience the benefits of modern banking!

Financial Strength

Community Trust

Total Share Accounts stand at 6,483, showing a strong and growing member base that trusts us with their finances. This trust is what drives us to uphold the highest standards of service every day. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Fedtrust is your trusted partner. Visit us at 225 N Humphreys Blvd Ste 1029 Memphis Tn 38120 or call (901) 747-3631 to learn more about how we can help you achieve your financial goals.

Member Savings and Investments

Members' savings are secured through $14,831,758 in share certificates and $3,103,492 in money market shares, offering stable and rewarding financial growth opportunities. Your investments are safe with us, allowing you to plan for the future confidently. We prioritize our members above all else. 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.

Operational Efficiency

Our operational efficiency is reflected in our $265,820, enabling us to continue offering competitive loan rates and solid financial products for our members. We believe that effective management translates directly into benefits for you. We also take pride in having 12 full-time employees and 0 part-time employees who are dedicated to serving you. Our knowledgeable team is always ready to assist with any questions or needs you may have.

Our Financial Health

With a net worth of $3,767,085, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This robust net worth signifies our commitment to serving you with reliability and strength. Our net worth ratio of $743 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This level of stability helps us focus on what truly matters: meeting your financial needs.

Reinvestment for Better Services

With $3,453,652 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 continuously improve our services for you. Our lending capacity supports your financial goals across various sectors with $545 in used auto loans and $42,456,439 in total loans and leases. Whether you're looking to finance a vehicle or take out a personal loan, we've got you covered.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $11,524,655 in used vehicle loans and $3,331,243 in new vehicle loans already helping members get on the road. Whether you're interested in new or used vehicles, we have competitive options tailored for you.

Credit Lines and Refinancing Options

For those looking for additional flexibility, our credit lines totaling $3,000,000 can provide an extra layer of financial security. Additionally, if you're considering refinancing any existing loans, we have options available that may lower your payments and save you money over time. If you're interested in exploring these options further or learning more about eligibility requirements, feel free to reach out to us at (901) 747-3631, or visit us at our branch located at 225 N Humphreys Blvd Ste 1029 Memphis Tn 38120. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Fedtrust, we're here to support your journey toward financial well-being with products that fit your needs perfectly.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $4,183,635, make buying or refinancing simple. We provide flexible terms and guidance to help you navigate the home-buying process.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $924,291 in loans helping members manage their finances effectively. This option allows you to handle unexpected expenses or make purchases without tying up your savings.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan 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. Each loan comparison reflects current market rates without any hidden fees or misleading information.

FEDTRUST FEDERAL CREDIT UNION