Mainstreet Credit Union Malden MA | Best Auto Loans & Mortgage Refinancing

Introduction

Welcome to Malden, your trusted partner in financial services since 1941. Located at 10 Holden St, Malden, MA 02148, we pride ourselves on building strong relationships with our community and providing exceptional banking solutions tailored to meet your needs. With a total membership of 1,583 and assets exceeding $26,741,399, we are dedicated to supporting our members' financial journeys. At Malden, we understand that every member has unique goals. Whether you're looking for personal banking options like checking and savings accounts or seeking financing for your next vehicle, our team is here to help. We offer a variety of services including auto loans, mortgage loans, personal loans, and credit cards with rewards that can enhance your financial well-being. Our commitment to you goes beyond just numbers; we believe in making a positive impact in our community. Our CEO, Patricia Dempsey, along with Board President Fred Feldman, leads a dedicated team of 6 employees who are passionate about serving you. With a net worth of $4,766,285 and cash readily available at $96,383, we ensure stability and reliability in all our transactions. While you can visit us at our branch location, please note that official correspondence should be sent to 10 Holden St, Suite 6, Malden, MA 2148. Ready to take the next step towards achieving your financial goals? Give us a call at 781-324-2241 or explore more about our offerings by visiting our website at maldenfcu.com. Join us today and discover how Malden can make a difference in your financial future!

Branch History & Mission

At Malden, we take pride in our rich history and commitment to serving our community. Established in 1941, our branch has been a cornerstone of financial support for residents in Malden, MA, for over 80 years. Located at 10 Holden St, Malden, MA 02148, we have grown from humble beginnings into a trusted institution with a total membership of 1,583 and assets amounting to an impressive $26,741,399. Our mission is simple yet powerful: to provide accessible financial services while fostering a sense of community among our members. We believe that banking should be more than just transactions; it should be about building relationships and supporting one another. This commitment drives us to offer a range of services including personal banking, auto loans, mortgage options, and credit card rewards all tailored to meet the diverse needs of our members. Over the years, we've embraced advancements in technology to enhance the member experience. Our online and mobile banking services ensure that you can manage your finances conveniently from anywhere. While we currently do not offer ATM or drive-thru services, our lobby hours are designed to accommodate your schedule: Monday, Tuesday, Wednesday, and Friday from 9 AM to 4 PM, and Thursday from 10 AM to 5 PM. We are also deeply invested in our community's welfare. Through partnerships and outreach programs, we aim to uplift those around us by providing financial education and resources. Every member who walks through our doors becomes part of a family dedicated to mutual growth and success. While you can visit us at 10 Holden St, please note that any official correspondence should be sent to 10 Holden St, Suite 6, Malden, MA 02148. Join us at Malden and discover how our cooperative spirit can work for you. Experience personalized service that values your needs because here, you're not just a member; you're part of something bigger. Call us today at 781-324-2241 or explore more about joining our credit union here. We look forward to welcoming you!

Branch Location & Accessibility

Get In Touch

Ready to explore what we can do for you? Feel free to call us at 781-324-2241 if you have any questions or need assistance before your visit. We look forward to welcoming you at the Malden branch and helping you achieve your financial goals!

Operating Hours

Our doors are open to serve you during welcoming hours: Monday through Wednesday and Friday from 9 AM to 4 PM, with extended hours on Thursday from 10 AM to 5 PM. We encourage you to stop by during these times, where our knowledgeable staff is ready to assist you with everything from personal banking needs to loan inquiries.

Parking & Accessibility

We understand that convenience matters. That's why we offer ample parking right outside our branch, so you won't have to worry about finding a spot. Our facility is fully accessible, featuring ADA-compliant entrances and ramps to ensure everyone can visit us comfortably.

Services Offered

At Malden Credit Union, we pride ourselves on providing a range of services tailored to meet your needs. From checking and savings accounts to auto loans and mortgages, we're here for all your banking requirements. Although we do not currently offer ATM services or drive-thru banking, our in-branch services are designed for maximum efficiency and support. If you're looking for shared services or special features, please note that while we don't have those options available at this branch, our staff can guide you through alternative solutions tailored just for you.

Member Eligibility

Becoming a member of Malden means joining a warm community that values your needs and aspirations. If you're looking to enjoy personalized financial services, you'll be happy to know that eligibility is straightforward! Whether you live, work, or worship in the area around 10 Holden St Malden Ma 02148, you're likely to qualify. We welcome individuals from all walks of life, ensuring everyone feels included and supported. This membership opens doors to a variety of benefits like competitive rates on loans, savings options, and excellent customer service tailored just for you. To get started on your journey with us, simply visit our website for more details about eligibility at https://maldenfcu.com/about-us/membership-policy/. If you're ready to take the next step, opening an account is easy just follow the instructions on our account opening page found here: https://online.maldenfcu.com/auth/enrollment. Should you have any questions or need assistance, don't hesitate to reach out at (781) 324-2241. We can't wait to welcome you into the Malden family!

Business Banking & Commercial Services

Commercial 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.

Merchant Services That Matter

When it comes to accepting payments, we've got you covered. Our merchant services simplify transactions, allowing you to focus on what matters most running your business. Imagine being able to accept payments from anywhere, whether in-store or online, providing your customers with a hassle-free experience. Whether you're just starting out or looking to expand, Malden at 10 Holden St Malden Ma 02148 in Malden, MA is here to help you thrive. Reach out to us at (781) 324-2241 to learn more about how we can support your business needs!

Comprehensive List Of Services

Convenient Digital Banking

In today's fast-paced world, having access to your accounts anytime is essential. Our robust Online & Mobile Banking platforms allow you to check balances, transfer money, and pay bills from anywhere. You can even take advantage of our ATM & Cash Withdrawal Services for quick access to cash when needed.

Join Us Today!

At Malden, we believe in building lasting relationships with our members through trust and excellent service. If you're ready to explore all these great services and more, feel free to call us at (781) 324-2241 or visit us at our branch. Let us help you achieve your financial goals today! For more information about membership eligibility or opening an account, please visit our website.

Loans Tailored for You

Need a new car or planning to refinance your home? Our Auto Loans & Vehicle Financing options help get you behind the wheel without breaking the bank. With competitive rates and flexible terms, financing your vehicle has never been easier. For those looking to purchase or refinance a home, our Mortgage Loans & Refinancing services can assist you in making that dream a reality. If you're facing unexpected expenses or wish to consolidate debt, our Personal Loans & Debt Consolidation services provide straightforward solutions that empower you to regain control over your finances.

Personal Banking Made Easy

When it comes to personal banking, we offer Checking & Savings Accounts that fit your lifestyle. Imagine having easy access to your funds whenever you need them while also earning interest on your savings. Our accounts are designed with convenience in mind, featuring online and mobile banking options so you can manage your finances on the go.

Rewarding Credit Options

We also offer Credit Cards with Rewards that give back for everyday purchases. Picture earning points for cash back or travel every time you swipe your card it's our way of saying thank you for being a member!

Supporting Your Business Ventures

For small business owners, we understand the unique challenges you face. That's why we provide comprehensive Business Banking, which includes Merchant Services & Business Loans tailored to help you grow and succeed.

Digital & Online Banking

Online Banking Services

With our 24/7 online banking services available at https://maldenfcu.com/, you can easily check your account balances, review transactions, and pay bills without stepping foot in a branch. It's all about giving you control over your money when it suits you best. Plus, if you prefer to receive statements electronically, we offer e-statements for quick access to your financial information while helping the environment.

User-Friendly Features

Our mobile application makes banking even more accessible. You can perform person-to-person transfers with just a few taps on your smartphone, making it simple to send money to friends and family. While we currently do not offer mobile payments, our app is designed for ease of use, ensuring that managing your accounts is straightforward. Security is a top priority for us at Malden. While we don't use electronic signature authorization yet, rest assured that all your online activities are protected with robust security measures to keep your information safe. In summary, whether you're using our online banking platform or mobile application, you'll find that managing your finances has never been easier or more secure. Join us at Malden today and experience the benefits of modern banking!

Financial Strength

At Malden, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our financial strength with you, ensuring that your trust in us is well-placed. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With a net worth of $4,766,285, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,782 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $4,982,179 in share certificates and $8,288,636 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. With $4,037,189 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to support your financial goals is reflected in our lending capacity; we have $68 in used auto loans and $12,568,024 in total loans and leases. Our operational efficiency is highlighted by our $103,675, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 4 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $0. Total Share Accounts: 2,939, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Malden is your trusted partner. Visit us at 10 Holden St Malden Ma 02148 or call (781) 324-2241 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 $884,744 in used vehicle loans and $466,115 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used car, our team is here to guide you through the process.

Credit Lines and More

In addition to our standard loan offerings, we have credit lines available totaling $1,000,000, providing you with quick access to funds when you need them most. If you're considering refinancing or exploring eligibility options for any of our loan products, please don't hesitate to reach out to us at (781) 324-2241. Our friendly staff is always ready to assist you with information tailored to your specific needs. For performance insights and financial data related to our lending practices, we source information from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Whether you're looking for an auto loan, mortgage assistance, or personal financing solutions, Malden is committed to supporting your financial journey every step of the way. Visit us at 10 Holden St Malden Ma 02148 in Malden, MA, or give us a call at (781) 324-2241 today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $5,867,398, make buying or refinancing simple. We provide personalized support to help you navigate your journey toward owning a home.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $563,072 in loans helping members manage their finances effectively. This option allows for greater financial flexibility while keeping your budget in check.

Loan Aggregator

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Ensuring 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 every loan offer presented is fair and transparent. By working only with verified financial institutions, LendMesh guarantees that users receive trustworthy information without hidden agendas.

Malden