Members Choice Credit Union Ashland KY | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Members Choice, your trusted partner in financial well-being since 1932. Located at 800 Saint Christopher Dr Ste 2, Ashland, KY 41101, we are proud to serve a vibrant community with over 23,367 members. Our commitment is to provide you with exceptional personal banking solutions that cater to your unique needs. At Members Choice, we understand that every financial journey is different. That's why we offer a wide array of services including checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking options. With total assets exceeding $404 million and total deposits of $13,941,936, our solid financial foundation ensures that we can support you every step of the way. We take pride in our dedicated team of 80 employees, led by our CEO, Jason Suman, and Board President, Don Neikirk. Together, they foster an environment where trust and reliability thrive. Whether you're looking for advice on managing your finances or need help securing a loan our knowledgeable staff is here to assist you. If you're reaching out for official correspondence, please note that while members can visit us at our branch address, all mail should be directed to the same location: 800 Saint Christopher Dr Ste 2, Ashland, KY 41101-7030. With a net worth of $32,305,245 and cash on hand totaling $1,735,450, Members Choice stands ready to meet your financial needs. We invite you to explore how we can help you achieve your goals. Feel free to contact us at 606-326-7055 during our operating hours Monday through Friday from 8 AM to 5 PM or visit our website at www.mccu.net for more information about membership and services. Let us be part of your financial journey!

Branch History & Mission

Commitment to Community

We take pride in being more than just a financial institution; we are active participants in the local community. Through various outreach efforts and partnerships with local organizations, we strive to make a positive impact on those around us. This commitment is reflected in everything we do from the way we serve our members to how we engage with local initiatives. As technology advances, so do we. Our online banking platform provides easy access to account management and essential services right at your fingertips. We prioritize accessibility and are proud of our ADA compliance efforts ensuring everyone in our community can benefit from what we offer. We invite you to become part of the Members Choice family! Experience the benefits of personalized service and a commitment to your financial well-being. Join us today and let's build a brighter future together! For more information on membership eligibility or how to open an account, please visit our website. You can also reach us at (606) 326-7055 with any questions. Together, let's make a difference in Ashland!

Our Mission

At Members Choice, our mission extends beyond just offering banking products. We strive to empower our members through education and support while fostering a strong sense of community. Our focus is on personal banking solutions such as checking and savings accounts, auto loans and financing, mortgage loans and refinancing options, as well as credit cards with rewards tailored for everyday use. We also cater to businesses with merchant services and business loans. While members can visit us at 800 Saint Christopher Dr Ste 2 Ashland Ky 41101, official correspondence should be sent to 800 Saint Christopher Dr Ste 2, Ashland, KY 41101-7030. We believe that by building strong relationships with our members and understanding their unique circumstances, we can help them achieve their financial goals.

Branch Location & Accessibility

Accessibility Features

At Members Choice, we believe that banking should be accessible for everyone. Our branch complies with ADA standards, ensuring that all members can easily navigate our space. We have ample parking available right outside our doors, making it simple for you to stop by without any hassle.

Banking Services

Members Choice offers a variety of personal and business banking services designed with you in mind. From checking and savings accounts to auto loans and mortgages, we are committed to helping you achieve your financial goals. While we currently do not offer ATM services or drive-thru banking, our dedicated staff is ready to assist you inside the branch. We invite you to come by and discover how we can support your financial journey. Whether you're looking for advice on loans or just want to ask a question about your account, our team is eager to assist. Visit us today at Members Choice in Ashland where your financial well-being is our top priority!

Operating Hours

We understand that life can be busy. That's why we're open Monday through Friday from 8 AM to 5 PM, providing plenty of time for you to visit us after work or during your lunch break. If you have questions or need assistance outside these hours, feel free to give us a call at 606-326-7055 we're here to help!

Member Eligibility

Becoming a member of Members Choice is like joining a family that truly cares about your financial well-being. If you live, work, or worship in the area, you're already on the right path to membership! We welcome individuals who share our values and want to take advantage of our wide range of services designed to support your financial goals. Whether you're looking for checking accounts, auto loans, or even business banking options, we're here for you. You can find more detailed eligibility criteria by visiting our website at http://www.mccu.net/how-to-become-a-member . Opening an account is simple and straightforward. Just head over to https://my.mccu.net/enroll and follow the easy steps to get started. If you have any questions or need assistance along the way, don't hesitate to give us a call at (606) 326-7055. We're located at 800 Saint Christopher Dr Ste 2 Ashland Ky 41101, and we can't wait to welcome you into our community!

Business Banking & Commercial Services

Merchant Services Made Easy

In addition to loans, we offer merchant services that simplify transactions and enhance customer satisfaction. For instance, if you run a retail store or a restaurant, our payment processing solutions allow you to accept various payment methods seamlessly. This means faster checkouts and happier customers all contributing to your bottom line. Located at 800 Saint Christopher Dr Ste 2 Ashland Ky 41101 in Ashland, KY, we're here to help your business thrive. Reach out at (606) 326-7055 during our operating hours from Monday to Friday, 8 AM to 5 PM, and let's discuss how we can support your journey!

Supporting Local Businesses

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.

Comprehensive List Of Services

Business Banking

For entrepreneurs and small business owners, we offer a range of services that can help your business thrive. Our business banking solutions, including merchant services and business loans, are designed to meet the specific needs of local businesses like yours.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options so you can manage your accounts anytime, anywhere. Whether you're checking your balance on the go or transferring funds between accounts, our user-friendly platform makes banking simple and accessible. Additionally, while we do not have ATM services at this location, we are committed to ensuring that cash withdrawal needs are met through nearby partners when necessary.

Get Started Today

We invite you to explore all the ways Members Choice can assist you in achieving your financial goals. With our friendly team ready to help and a commitment to exceptional service, you'll feel right at home when you visit us in Ashland. For more information or to get started on any of our services today, please call us at 606-326-7055 or visit us online at www.mccu.net. We look forward to serving you!

Personal Banking

When it comes to personal banking, we've got you covered. Imagine having the flexibility to choose between various checking and savings accounts tailored just for you. Whether you're saving for a dream vacation or managing everyday expenses, our accounts make it easy to keep track of your finances. Need a vehicle? Our auto loans and vehicle financing options allow you to drive away in your new car without stress. We offer competitive rates and personalized service to ensure you get the best deal. Plus, if you're looking to buy a home or refinance your current mortgage, our mortgage loans and refinancing services can help simplify the process. If life throws unexpected expenses your way, our personal loans and debt consolidation options provide quick access to cash when you need it most. And don't forget about our credit cards with rewards they're perfect for those who love earning while they spend.

Digital & Online Banking

Key Features of Our Digital Banking Services

Our online banking service is available 24/7, allowing you to check balances, pay bills, and transfer money whenever you need to. Plus, with electronic signature authorization, signing documents has never been easier no need to visit the branch in person. You can also opt for e-statements, which are not only eco-friendly but also keep your financial information organized and accessible. For those who prefer managing their finances on the go, our mobile application offers all the essential features right at your fingertips. Whether you're checking your account balance or making person-to-person transfers, everything is designed for ease of use. While we currently don't support mobile payments, our app makes it simple to handle day-to-day transactions efficiently.

Security and Accessibility

Your security is our top priority. We utilize robust measures to ensure that your personal information stays safe while you manage your finances online. With user-friendly interfaces and intuitive navigation, you'll find it easy to stay on top of your financial health. In today's fast-paced world, having real-time access to your accounts makes all the difference. At Members Choice, we're committed to providing services that not only meet your needs but also enhance your overall banking experience. Join us today and discover how convenient banking can be!

Financial Strength

Growing Member Base

We have built a strong community with 46,844 total share accounts, showing a growing member base that trusts us with their finances. The funds available for lending and investments amount to $7,127,917 in net shares. 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 800 Saint Christopher Dr Ste 2 Ashland Ky 41101 or call 606-326-7055 to learn more about how we can help you achieve your financial goals.

Investing in Our Future Together

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 lending capacity is robust with $26,465,699 in total loans and leases, including $2,896 in used auto loans that support members' financial goals across various sectors.

Operational Efficiency

Our operational efficiency is evident with a net income of $583,415, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 73 full-time employees and 7 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Security for Your Savings

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.

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

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 looking for a brand-new ride or a reliable used vehicle, our team is here to guide you through the process and ensure you find the right financing solution.

Business Loans

For business owners, our outstanding commercial loans totaling $29,644,272 provide the capital needed to grow and expand your operations. We understand the importance of having access to funds when opportunities arise, so our business loan options are tailored to meet your needs.

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 the complexities of home loans and secure the best terms possible.

Refinancing Options

If you're considering refinancing any of your existing loans, we can help! Our team will work with you to review your current financial situation and explore eligible options that could save you money or improve your cash flow. For more information about our loan offerings or to get started today, please reach out to us at (606) 326-7055 or visit us at 800 Saint Christopher Dr Ste 2 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. Let us help you take the next step towards achieving your financial goals!

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging, which is why 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 competitive rates and rewards, giving you added value with every purchase.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures 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 ), ensuring fair and transparent offers. By connecting users with reputable lenders, LendMesh maintains a commitment to providing accurate loan comparisons.

MEMBERS CHOICE CREDIT UNION