Members Choice Credit Union Ashland KY | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Members Choice, your trusted financial partner right here in Ashland, Kentucky! Located at 145 Russell Rd, Ashland, KY 41101, we have proudly served our community since 1932. With a commitment to providing personalized financial solutions, we cater to the unique needs of our 23,367 members. At Members Choice, we understand that your financial journey is important. That's why we offer a range of services, from checking and savings accounts to auto loans and mortgages. Our total assets exceed an impressive $404,758,220, which reflects our strength and stability as a credit union you can rely on. Under the leadership of our CEO, Jason Suman, and Board President, Don Neikirk, we strive to create a welcoming environment where every member feels valued. Our dedicated team of 80 employees is here to assist you with any financial questions or concerns you may have. While members can visit us at our branch location, official correspondence should be sent to the same address: 145 RUSSELL RD, ASHLAND, KY 41101. We also encourage you to explore our website at www.mccu.net for more information about our services and how we can support your financial goals. Join us today and experience the difference that comes from being part of a community-focused credit union. Call us at 606-329-7876 or visit us during our operating hours from 7:00 AM to 4:00 PM (Monday - Friday). Let's work together toward a brighter financial future!

Branch History & Mission

Join Us

As we look toward the future, we invite you to join the Members Choice family. Experience firsthand how we can help you navigate your financial journey while contributing to the betterment of our community. Whether you're looking for reliable banking services or want to get involved in local efforts, there's a place for you here at Members Choice. For more information about membership or services, feel free to reach out at 606-329-7876 or visit us online at mccu.net. Together, let's build a brighter future!

Our Evolution

Since opening our doors, Members Choice has continually evolved to meet the needs of our members. Over the decades, we have expanded our offerings to include personal banking services such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. With total assets now exceeding $404 million, we are proud to provide a range of financial products that help our members achieve their goals. In addition to traditional banking services, we embrace digital advancements to enhance member experiences. Our online and mobile banking platforms allow members to manage their accounts conveniently from anywhere. We also prioritize accessibility by ensuring compliance with ADA standards and offering features like electronic signatures and e-statements.

Our Mission

At the heart of Members Choice is our mission: to serve our members with integrity and compassion while making a positive impact in the community. We believe in not just providing financial solutions but also supporting local initiatives that strengthen the fabric of our neighborhoods. Through various outreach programs and partnerships with local organizations, we strive to uplift those around us. While members can visit us at 145 Russell Rd for all their banking needs from deposits and withdrawals to simple transactions official correspondence should be sent to the same address for consistency.

Branch Location & Accessibility

Accessibility Features

At Members Choice, accessibility is key. Our branch is fully compliant with ADA standards, featuring ramps and designated parking spots for those who need them. We've made sure everyone can easily access our services.

Operating Hours

We know your time is valuable! That's why we are open Monday through Friday from 7:00 AM to 4:00 PM. Whether you need to deposit a check or discuss loan options, we're ready to help during these hours.

Reach Out Anytime

Have questions? Feel free to give us a call at 606-329-7876. We're always here to assist you with any banking needs or inquiries about membership. So why wait? Come visit us at Members Choice today where community matters!

Services Offered

Our dedicated team provides a variety of services tailored to meet your needs. From personal banking like checking and savings accounts to auto loans and mortgage refinancing, we have options for everyone. Need cash? Our ATM is available on-site for quick withdrawals and balance checks. Plus, if you're in a hurry, our drive-thru service makes banking even easier!

Member Eligibility

Welcome to the community at Members Choice! We believe that everyone deserves a chance to benefit from our financial services, and becoming a member is simple and inviting. You're eligible to join us if you live, work, or worship in Boyd County, or if you have family members who are already part of our credit union family. This means that whether you're just starting out on your financial journey or looking for a trusted partner for your long-term goals, we're here for you. Joining Members Choice not only gives you access to a variety of financial products and personalized service, but it also connects you with a supportive network dedicated to helping each other thrive. If you're ready to take the next step, check out the detailed eligibility criteria at http://www.mccu.net/how-to-become-a-member . When you're set to open an account, visit us online at https://my.mccu.net/enroll , or feel free to give us a call at (606) 329-7876. Our friendly team is excited to welcome you to our branch located at 145 Russell Rd Ashland Ky 41101!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $127 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $29,644,272, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer comprehensive merchant services that simplify daily transactions. Imagine having the ability to process payments seamlessly while managing inventory and tracking sales all from one platform. Our services help you focus on what matters most: growing your business. Located at 145 Russell Rd Ashland Ky 41101 in Ashland, KY, we're here to provide the resources and expertise you need. Reach out at (606) 329-7876 to learn how we can help your business thrive!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Our ATMs allow for easy withdrawals and balance checks whenever you need them. Plus, with drive-thru banking available for simple transactions like deposits and withdrawals, we're making it easier than ever for you to access your money. At Members Choice, we pride ourselves on being more than just a bank; we're a community partner dedicated to helping our members achieve their financial goals. If you have questions about any of our services or would like more information, don't hesitate to give us a call at 606-329-7876 or visit us at 145 Russell Rd, Ashland KY 41101. Join us today and discover how our wide array of financial services can benefit you! For more details about becoming a member or opening an account online, check out our website.

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our auto loans and vehicle financing options are designed with you in mind. We offer flexible terms and competitive rates, making it easier for you to drive away in the vehicle of your dreams without breaking the bank.

Business Banking

For our business members, we offer specialized banking solutions including merchant services and business loans. Whether you're starting a new venture or looking to expand an existing one, we have the tools and support necessary to help your business thrive.

Credit Cards with Rewards

Make your everyday purchases work for you! Our credit cards come with rewards programs that allow you to earn points on purchases, turning spending into savings. Use it wisely, and watch those rewards add up!

Mortgage Loans & Refinancing

Buying a home is one of the biggest decisions you'll ever make. At Members Choice, we provide mortgage loans and refinancing options that simplify the process. Our experienced staff will guide you through each step, ensuring you find a solution that fits your budget and lifestyle.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking services. You can manage your accounts anytime, anywhere whether it's checking balances or transferring funds right from your smartphone or computer.

Personal Banking

Whether you're looking to open a checking or savings account, our personal banking services are tailored just for you. Imagine having a checking account that suits your everyday spending or a savings account that helps you reach your goals faster. With us, you can easily manage your finances while enjoying competitive rates and low fees.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or want to consolidate debt, our personal loans are here to help. We understand that life can throw curveballs, and having access to funds when needed can make all the difference.

Digital & Online Banking

Key Features for Your Convenience

Enjoy the ease of real-time account management with our user-friendly online banking platform. Whether you're checking balances, transferring funds, or paying bills, everything you need is just a few clicks away. Plus, our electronic signature authorization allows you to complete transactions securely without the hassle of paperwork. For those who prefer paperless solutions, we provide e-statements that let you view your account statements online whenever you want. This not only helps the environment but also keeps your information organized and easily accessible. If you're looking to send money to friends or family quickly, our person-to-person transfer feature has got you covered. It's an easy way to split bills or send a gift without needing cash on hand.

Mobile Banking Made Easy

With our mobile application, managing your finances is even easier. You can deposit checks right from your phone and stay on top of your spending while on the go. While mobile payments are not currently available, our app supports all essential banking functions and keeps your financial information secure. At Members Choice, we prioritize your security and convenience in every aspect of our digital banking services. We're here to help you take control of your finances simply visit us online at https://www.mccu.net/ today!

Financial Strength

A Growing Community

Total Share and Deposit Accounts: 46,844, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $7,127,917. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Members Choice is your trusted partner. Visit us at 145 Russell Rd Ashland Ky 41101 or call (606) 329-7876 to learn more about how we can help you achieve your financial goals.

Investment in Your Future

With $29,825,270 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment is reflected in our lending capacity: with $2,896 in used auto loans and $264,656,990 in total loans and leases, we support your financial goals across various sectors.

Member-Centric Savings Solutions

Members' savings are secured through $161,491,311 in share certificates and $38,990,886 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 $583,415 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. Additionally, we take pride in having 73 full-time employees and 7 part-time employees who are dedicated to serving you with a knowledgeable and committed team.

Strong Financial Health

With a net worth of $32,305,245, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $798 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

Additional Services

At Members Choice, we also provide options for refinancing existing loans. If you're looking for ways to lower your monthly payments or consolidate debt, our team can assist you with eligibility requirements and potential savings. If you're interested in exploring any of these loan products or have questions about our offerings, please don't hesitate to reach out. You can contact us at (606) 329-7876 or visit us at our branch located at 145 Russell Rd Ashland Ky 41101 in Ashland, KY. 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're here to help you achieve your financial dreams!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $47,559,913 in used vehicle loans and $29,716,049 in new vehicle loans already helping members get on the road. Whether you're considering financing for a brand-new vehicle or a reliable used option, our dedicated team is here to guide you through the process.

Business Loans

For business owners, our outstanding commercial loans totaling $29,644,272 provide the capital needed to grow and expand. We understand that every business has unique needs, which is why we offer customized solutions aimed at supporting your entrepreneurial journey.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $11,845,873 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits designed to enhance your everyday spending while keeping your finances in check.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $5,003,402, make buying or refinancing simple. We provide personalized service to help you navigate through your options and find the best fit for your budget and lifestyle.

Loan Aggregator

Benefits of Using LendMesh

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MEMBERS CHOICE CREDIT UNION