Members 1st Credit Union Lenoir NC | Affordable Auto Loans & Business Banking

Introduction

Welcome to Members Credit Union - Lenoir, where our commitment to fostering a supportive and vibrant financial community is at the heart of everything we do. Located at 1240 Morganton Blvd Sw, Lenoir, NC 28645, our branch has been serving the local community since 1953. With a robust membership of 48,053 and total assets amounting to $440,106,431, we take pride in being a trusted partner for all your financial needs. At Members Credit Union, we offer a wide range of services tailored to fit the diverse needs of our members. Whether you are looking for personal banking options like checking and savings accounts, auto loans, or mortgage refinancing, our dedicated team is here to help. We also provide business banking services to support local entrepreneurs with merchant services and business loans. Our commitment to excellence is reflected in our impressive financial standing. With total deposits reaching $46,880,736 and a net worth of $63,335,298, you can trust that your funds are secure with us. Furthermore, our cash reserves amounting to $8,070,240 demonstrate our ability to meet the needs of our members promptly. Led by our CEO Robert Donley and Board President William Tittsworth, we have cultivated a culture that prioritizes member satisfaction and community involvement. Our team of 117 employees works diligently to ensure that every interaction is friendly and professional. While members can visit us at 1240 Morganton Blvd Sw, official correspondence should be sent to P.O. Box 1468, Lenoir, NC 28645. If you have any questions or need assistance, don't hesitate to reach out at (828) 757-3299 during our lobby hours from 8:00 AM to 5:00 PM Monday through Friday. Join us today and experience the difference that comes with being a part of Members Credit Union! For more information about our services or how to become a member, please visit us at memcu.com. We look forward to welcoming you into our family!

Branch History & Mission

A Legacy of Growth

Since opening our doors, we have proudly grown to serve over 48,000 members. With total assets reaching an impressive $440,106,431, we have continually adapted to meet the needs of our community. Our journey has been marked by significant milestones that reflect both our growth and dedication to providing excellent service. We have embraced advancements in technology while ensuring that our services remain personal and approachable.

Community Focus

We take pride in being more than just a financial institution; we are your neighbors dedicated to making a positive impact in Lenoir and beyond. Our team is committed to providing excellent customer service from Monday through Friday during operating hours from 8:00 AM to 5:00 PM. Although we do not currently offer ATM or drive-thru services at this location, we ensure that all digital banking options are user-friendly and secure. Our partnerships with local organizations reflect our dedication to fostering a supportive environment for everyone in the area. Whether it's sponsoring local events or participating in community initiatives, we are here for you.

Join Us Today!

We invite you to become part of the Members Credit Union - Lenoir family. Experience firsthand how we can help you achieve your financial goals while making a difference in your community. Contact us today at 828-757-3299 or visit our website at memcu.com for more information on membership eligibility and how to open an account. Together, let's build a brighter future!

Our Mission

At Members Credit Union - Lenoir, our mission is clear: to provide exceptional financial services while actively supporting our community. We believe in empowering our members through accessible banking solutions that include checking and savings accounts, auto loans, mortgages, and personal loans. Beyond finances, we strive to uplift those around us through various outreach programs and partnerships designed to strengthen our local community. While members can visit us at 1240 Morganton Blvd SW for all their banking needs, official correspondence should be sent to P.O. Box 1468, Lenoir, NC 28645 if necessary.

Branch Location & Accessibility

Accessibility Features

At Members Credit Union - Lenoir, we prioritize accessibility for all our members. Our branch is designed to be welcoming for everyone, including those who may need extra assistance. With ADA-compliant features such as ramps and clear pathways, getting inside is hassle-free.

Connect With Us

If you have any questions or would like more information about our services before your visit, feel free to call us at 828-757-3299. We are eager to help you achieve your financial goals. We look forward to welcoming you soon at Members Credit Union - Lenoir!

Getting Here

Our location is just a short drive from local landmarks, making it easy for you to pop in. If you're near the scenic downtown area or heading back from a day at the nearby parks, stopping by is simple. There's ample parking available right outside, so you can come and go with ease.

Operating Hours

We're here for you during convenient hours! Visit us Monday through Friday from 8:00 AM to 5:00 PM. We understand that your time is valuable, and we strive to make banking as easy as possible for you.

Services Offered

While visiting our branch, you'll find a variety of services tailored to meet your banking needs. From personal checking and savings accounts to auto loans and mortgage options, our friendly staff is ready to assist you with any questions or services you may require. Although we currently do not offer ATM access or drive-thru banking at this location, our team is here to help with all your transactions directly inside the branch.

Member Eligibility

Welcome to the community at Members! Becoming a member is more than just opening an account; it's about joining a supportive network that values your financial well-being. To be eligible for membership, you simply need to live, work, worship, or attend school in Caldwell County. This means if you're part of our local community, we want you with us! For detailed eligibility criteria and to see if you qualify, feel free to check out our resource at https://memcu.com/membership/. Joining us is easy and welcoming just visit our branch located at 1240 Morganton Blvd Sw Lenoir Nc 28645, or you can give us a call at (828) 757-3299. If you're ready to take the next step, opening an account is straightforward and can be done online as well; just head over to https://www.loanliner.com/loanrequest/presenter/loanform?cuid=03201893&loanformid=7275642109208170153&channelid=6969420220087080345&locationid=9845830719301113842&campaign=front+page+apply+button&isframed=f. At Members, we're here to help you thrive financially while enjoying the benefits that come with being part of our family.

Business Banking & Commercial Services

Merchant Services That Work for You

In today's fast-paced marketplace, having efficient payment solutions is crucial. Our merchant services offer businesses like yours the ability to accept payments easily, whether in-store or online. Imagine serving customers without delays at checkout or ensuring that online sales go smoothly our services help eliminate payment barriers so you can focus on what matters: growing your business. Located conveniently at 1240 Morganton Blvd Sw Lenoir Nc 28645, we're here to assist you with all your business banking needs. Reach out to us at (828) 757-3299 during our operating hours from 8:00 AM to 5:00 PM, Monday through Friday, and let's work together to build a brighter future for your business!

Tailored Business Loans

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. For those outside our membership, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions tailored to your unique needs. 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

For local entrepreneurs and business owners, our business banking services include merchant services and business loans. We know how hard you work to grow your business, so we're here to provide the financial support you need.

Credit Cards

Our credit cards come with rewards programs designed to benefit you every time you swipe. Whether you're using it for everyday purchases or special occasions, earning rewards can help offset costs down the line.

Digital Banking Convenience

With all these services available at your fingertips, accessing your accounts has never been easier. Our online and mobile banking platforms allow you to manage transactions, view balances, and even transfer money instantly from wherever you are making banking as convenient as possible. In summary, whether you're interested in personal finance solutions or business services, Members is committed to meeting your needs. To learn more about how we can assist you further or if you'd like to open an account today, don't hesitate to call us at (828) 757-3299 or visit us at https://memcu.com/. Your financial journey starts here!

Home Loans

When it comes to homeownership, our mortgage loans and refinancing options are tailored to make the process smooth and straightforward. Whether you're buying your first home or looking to refinance an existing mortgage, our knowledgeable staff will guide you every step of the way.

Personal Banking

Starting with personal banking, we offer checking and savings accounts designed to help you manage your finances effortlessly. Our accounts come with features that make it easy for you to track your spending and save for future goals. Imagine enjoying the peace of mind that comes from knowing your money is secure while also being easily accessible through our online and mobile banking platforms.

Personal Loans

For those unexpected expenses or when you need some extra cash, we offer personal loans and debt consolidation services. Our goal is to help you regain control of your finances without added stress.

Vehicle Financing

If you're considering purchasing a new car or refinancing an existing vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms. We understand that buying a car is a significant decision, so we work closely with you to find the best solution that fits your budget and lifestyle.

Digital & Online Banking

Key Features

Our online banking service is user-friendly and packed with features that put you in control. You can view your account balances, transfer funds, and even manage e-statements with ease. We're proud to offer electronic statements, allowing you to keep track of your finances without the clutter of paper. For those on the go, our mobile application provides a handy way to check balances, pay bills, and send money through person-to-person transfers. You can also take advantage of mobile payments for quick and secure transactions right from your smartphone. Whether you're at home or out shopping, managing your finances has never been easier.

Security First

Security is always a priority at Members. While we do not currently offer electronic signature authorization, our systems are designed with strong security measures to protect your personal information. Your peace of mind is important to us as you engage in online banking activities. Overall, our digital and online banking services enhance accessibility and give you real-time control over your accounts. We believe that managing your money should be straightforward and stress-free. Join us today at https://memcu.com/ and experience the convenience of modern banking with Members!

Financial Strength

Growing Together

Total Share Accounts: 104,568, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $936,016. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Members is your trusted partner. Visit us at 1240 Morganton Blvd Sw Lenoir Nc 28645 or call (828) 757-3299 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.

Investing Back into You

With $51,172,817 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $8,665 in used auto loans and $189,083,261 in total loans and leases.

Member-Centric Savings

Members' savings are secured through $21,869,141 in share certificates and $78,739,753 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.

Operational Efficiency

Our strong performance is also evident in our $899,335, which reflects our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products for our members. Furthermore, we take pride in having 116 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Foundation

With a net worth of $63,335,298, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 14.37% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This solid performance reflects our commitment to your financial well-being.

Loan Offering

Additional Services

For those interested in business opportunities, our outstanding commercial loan offerings total $0, providing the capital needed to grow and expand your business. If you're considering refinancing any existing loans or checking eligibility for our products, we encourage you to reach out. Our team is here to assist you with all aspects of the lending process. For more information about our loan products or to start your application today, visit us at 1240 Morganton Blvd Sw Lenoir Nc 28645, Lenoir, NC, or give us a call at (828) 757-3299. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let's work together towards your financial success!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $115,741,955 in used vehicle loans and $9,496,418 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 one, we have options that fit your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $43,162, allowing you to secure the funding you need to invest in your future.

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. These cards can be a great tool for building credit and managing day-to-day expenses without the burden of collateral.

Loan Aggregator

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Ensuring Accurate Comparisons

LendMesh ensures accurate loan comparisons by sourcing data 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 means you receive fair and transparent offers without hidden agendas or misleading information.

MEMBERS CREDIT UNION - Lenoir, NC

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