Members Advantage Credit Union Portage IN | Best Auto Loans & Business Banking

Introduction

Welcome to Members Advantage, your trusted partner in financial well-being located at 6170 Us Highway 6, Portage, IN 46368. Since our establishment in 1962, we have been dedicated to serving our community with personalized banking solutions and a commitment to member satisfaction. With over 8,112 members and total assets of $123,229,449, we pride ourselves on fostering strong relationships that empower you to achieve your financial goals. At Members Advantage, we understand that every member has unique needs. That's why we offer a range of services, from checking and savings accounts to auto loans and mortgages. With a total loan portfolio of 3,021 loans and leases, we are here to help you navigate life's big moments with confidence. Our leadership team, led by CEO Frank Beachnau and Board President Michael Palmer, is passionate about making banking easy and accessible for everyone. We also take pride in our dedicated staff of 23 employees, who are always ready to assist you with friendly service. While members can visit us at our branch location, official correspondence should be sent to the same address: 6170 US Highway 6, Portage, IN 46368. If you have any questions or need assistance, feel free to reach out by phone at (219) 762-6228 or simply visit our website at www.macuonline.org. Join us today and experience the difference of being part of a credit union that truly values its members!

Branch History & Mission

Welcome to Members Advantage, a cornerstone of community banking in Portage, Indiana. Since opening our doors in 1962, we have proudly served our members and fostered a culture of financial empowerment and community support. Our journey began with a simple mission: to provide accessible financial services that enhance the lives of our members while giving back to the local community. Located at 6170 Us Highway 6, Portage, IN 46368, we are easily reachable for anyone looking to experience personal banking at its best. With a drive-thru service and an ATM available, we aim to provide convenience for busy lifestyles. You can also reach us at (219) 762-6228 during our operating hours: Monday through Thursday from 8:30 AM to 6:00 PM, Friday from 9:00 AM to 5:00 PM, and Saturday from 9:00 AM to 12:00 PM. Over the years, Members Advantage has grown significantly, now boasting a total membership of 8,112 and assets exceeding $123 million. This growth is not just a reflection of our success but also an indicator of the trust that the community places in us. We take pride in offering a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking solutions. Our mission extends beyond just providing financial products; we are dedicated to uplifting our community through various outreach programs and partnerships. We believe that supporting local initiatives enriches the lives of our members and strengthens the fabric of Portage. Through shared service centers and community events, we strive to create opportunities that benefit all. As we embrace modern banking technologies such as online banking and mobile payments, we remain committed to ensuring accessibility for everyone. Our facilities are ADA compliant, making sure that all members can enjoy our services comfortably. At Members Advantage, your financial well-being is at the heart of everything we do. We invite you to join us on this journey become a member today and experience the benefits of being part of a credit union that genuinely cares about you and your community! Visit us online at www.macuonline.org or come see us in person; we look forward to serving you!

Branch Location & Accessibility

Accessibility Features

At Members Advantage, we prioritize accessibility for all members. Our branch is designed with ADA compliance in mind, featuring ramps and ample parking space. You won't have to worry about navigating difficult entryways or finding a place to park when you visit us.

Address & Correspondence

While you can visit us at our branch address for all your banking needs, please note that any official correspondence should be sent to the same address: 6170 US Highway 6, Portage, IN 46368. This ensures that we receive your documents promptly and securely.

Call-to-Action

We invite you to stop by Members Advantage today! If you have any questions or need assistance before visiting, feel free to give us a call at 219-762-6228. Our dedicated team is ready and eager to help you achieve your financial goals!

Operating Hours

We know your time is valuable! That's why we offer flexible operating hours to suit your schedule. Our drive-thru service is open from 8:30 AM to 6:00 PM Monday through Thursday, with lobby hours from 9:00 AM to 5:00 PM on Fridays. On Saturdays, both the lobby and drive-thru are available from 9:00 AM to 12:00 PM. We aim to make banking as convenient as possible for you!

Services Offered

Our Portage Office offers a wide array of services tailored to meet your financial needs from personal checking and savings accounts to auto loans and mortgages. Need cash? We have an ATM on-site for quick withdrawals. Plus, our drive-thru service allows you to complete simple transactions without leaving your vehicle. For those who are part of partner credit unions, we also offer shared services that include basic transactions like deposits and withdrawals. This means more convenience and flexibility when managing your finances.

Member Eligibility

Becoming a member of Members Advantage is like joining a close-knit family where your financial well-being is our top priority. Anyone who lives, works, worships, or attends school in the Portage area can easily join us. We believe that everyone deserves access to great financial services and support, so we welcome you with open arms! To learn more about the specific eligibility criteria, feel free to visit our website at . Once you're ready to take the next step, opening an account is straightforward and designed to be as inclusive as possible. Our team at Members Advantage, located at 6170 Us Highway 6 Portage In 46368, is here to guide you through every step of the process. Whether you have questions or need assistance, don't hesitate to reach out by calling us at (219) 762-6228. Join us today and discover the many advantages of being part of our community!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer merchant services designed to streamline your daily operations. Imagine accepting payments seamlessly while keeping track of your sales effortlessly. Our solutions not only save you time but also enhance customer satisfaction, allowing you to focus on what matters most growing your business. Visit us at 6170 Us Highway 6 Portage In 46368 in Portage, IN, or give us a call at (219) 762-6228 to learn how we can support your business journey today!

Supporting Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $57 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $48,466, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Digital Banking Features

In today's fast-paced world, having access to your accounts anytime and anywhere is crucial. That's why at Members Advantage, we offer robust online and mobile banking platforms. You can check balances, transfer money, pay bills, and even enjoy features like person-to-person payments all from the palm of your hand. Our ATM services ensure that cash withdrawal is quick and accessible whenever you need it.

Drive-Thru Convenience

For those who prefer face-to-face interactions without leaving their vehicles, our basic drive-thru banking allows for easy deposits, withdrawals, and simple transactions. Additionally, if you're a member of a partner credit union, our shared branch transactions let you conduct deposits and withdrawals conveniently. At Members Advantage in Portage, IN (6170 Us Highway 6), we strive to make banking accessible and friendly for everyone in the community. For more information about our services or to speak with one of our team members, feel free to call us at 219-762-6228. We look forward to helping you achieve your financial goals! Visit us online at www.macuonline.org for more details or to get started today!

Loans and Credit Options

Life can throw unexpected expenses your way, which is why having access to funds when you need them is essential. Our personal loans and debt consolidation options provide the support you need during challenging times. Plus, with our credit cards that come with rewards, you can earn benefits on your everyday purchases. We also cater to businesses by offering various banking solutions like merchant services and business loans, helping local entrepreneurs thrive.

Personal Banking Solutions

We understand that managing your finances can be overwhelming at times. That's why we offer personal banking services designed for convenience and flexibility. With our checking and savings accounts, you can easily manage your daily expenses while building your savings. Our auto loans and vehicle financing options make purchasing a new car straightforward and hassle-free. If you're considering buying a home, our mortgage loans and refinancing services will guide you through the process, ensuring you find the right fit for your financial situation.

Digital & Online Banking

Key Features

One of the standout features is our electronic signature authorization. This means you can sign documents securely without needing to visit a branch, making everything quicker and more convenient. Plus, with e-statements available, you'll receive your account statements electronically, helping you stay organized while also reducing paper clutter. For those who prefer mobile banking, our mobile application is designed with user-friendliness in mind. You can make mobile payments easily, send money through person-to-person transfers, and manage your accounts right from your smartphone. It's all about making banking accessible and straightforward. Rest assured that security is a top priority for us. Our systems are equipped with advanced security measures to protect your information while ensuring a smooth experience. At Members Advantage, we believe that banking should not only be easy but also safe. Join us today to experience the convenience of modern banking! Whether you're looking to check an account balance or make a quick payment, Members Advantage has the tools you need for effective financial management.

Financial Strength

Commitment to Growth

With $11,787,132 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 your financial goals across various sectors with $1,258 in used auto loans and $54,114,763 in total loans and leases.

Member Trust

Total Share Accounts stand at 16,853, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $52,834, which reinforces our ability to provide valuable services. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Members Advantage is your trusted partner. Visit us at 6170 Us Highway 6 Portage In 46368 or call (219) 762-6228 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is highlighted by a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 23 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $18,529,766 in share certificates and $16,673,872 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.

Solid Financial Foundation

With a net worth of $11,787,132, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $957 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 $13,866,232 in used vehicle loans and $2,466,845 in new vehicle loans already helping members get on the road. We provide financing options that fit your budget and lifestyle, ensuring a smooth process from application to approval.

Business Financing

For business owners, our outstanding commercial loans totaling $48,466 provide the capital needed to grow and expand. We understand the unique challenges faced by local businesses and are dedicated to offering financing solutions that support your success. If you're interested in any of our loan offerings or want more information on refinancing options or eligibility requirements, don't hesitate to reach out! You can contact us at 219-762-6228 or visit us at our branch located at 6170 Us Highway 6, Portage IN 46368. 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 Members Advantage, we strive to empower our members with financial tools that align with their personal goals. Let us help you take the next step towards achieving your dreams!

Credit Lines and Personal Loans

For those who need a little extra flexibility in their finances, our total credit lines amount to $13,543,303. These lines are perfect for managing unexpected expenses or funding personal projects. If you prefer straightforward borrowing solutions without collateral requirements, our unsecured credit card loans can assist you in managing everyday purchases effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $3,577,987, make buying or refinancing simple. Whether you're purchasing your first home or looking to refinance an existing mortgage, our knowledgeable staff is here to guide you through every step.

Loan Aggregator

How LendMesh Ensures 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 rigorous sourcing process ensures that all offers presented are fair and transparent.

Key Benefits of Using LendMesh

- Verified Data: Loan offers come from legitimate financial institutions, which adds an extra layer of trust. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, allowing for well-informed choices. Thousands of users trust LendMesh for loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

MEMBERS ADVANTAGE CREDIT UNION - Portage, IN