Members Choice Credit Union Ashland KY | Quick Personal Loans & Auto Financing

Introduction

Welcome to Members Choice, your trusted financial partner in the heart of Ashland, Kentucky. Located at 1315 Cannonsburg Rd, Ashland, KY 41102, our branch has been serving the community since 1932. With a strong commitment to our members, we pride ourselves on providing personalized banking solutions tailored to meet your unique needs. At Members Choice, we understand that financial health is essential for every individual and business. That's why we offer a wide range of services, including checking and savings accounts, auto loans, mortgages, and business banking solutions. Our dedicated team is here to assist you every step of the way, ensuring that you receive the support you deserve. With over 23,367 members and total assets of $404,758,220, we have built a solid foundation of trust and reliability in our community. We also boast total deposits of $13,941,936 and a net worth of $32,305,245, which underscores our stability and commitment to serving you better. Under the leadership of CEO Jason Suman and Board President Don Neikirk, our team of 80 employees is ready to assist you with all your financial needs. Whether you're looking for competitive loan rates or convenient online banking options, we strive to make your experience as seamless as possible. While members can visit us at our branch location, official correspondence should be sent to the same address: 1315 Cannonsburg Rd, Ashland, KY 41102. If you have any questions or need assistance, please don't hesitate to call us at 606-329-7876 during our operating hours from 8:30 AM to 5:00 PM, Monday through Friday. Join us at Members Choice today and discover how we can help you achieve your financial goals! For more information about membership eligibility or to open an account online, visit our website at www.mccu.net. Your journey towards a brighter financial future starts here!

Branch History & Mission

A Rich Legacy

Over the years, Members Choice has evolved significantly. From our humble beginnings nearly a century ago, we have adapted to meet the changing needs of our members while remaining committed to our founding principles. Our growth reflects not only an increase in membership but also a deepening relationship with the community. We are dedicated to offering personal banking services like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and much more. Our branch is equipped with modern conveniences such as ATM access and drive-thru banking to ensure that banking is easy and convenient for everyone. We understand that life can be busy; that's why we strive to offer flexible operating hours from 8:30 AM to 5:00 PM Monday through Friday. Whether you need assistance with a loan or want to manage your finances online, we're here for you.

Join Us Today!

As we look towards the future, we invite you to become part of our story at Members Choice. Experience firsthand how we can help you achieve your financial dreams while making a difference in the community. For more information about joining us or exploring our services, visit our website or call us at 606-329-7876. While members can visit us at 1315 Cannonsburg Rd for all their banking needs, official correspondence should be sent to 1315 CANNONSBURG RD, ASHLAND, KY 41102. Join us today and be part of something great!

Our Mission

At Members Choice, our mission goes beyond providing financial services. We aim to empower our members by supporting their financial goals and fostering community growth. Our commitment extends into various outreach programs designed to uplift those around us. We believe that strong communities are built on collaboration and support. We also focus on embracing technology while ensuring ADA compliance so that everyone can benefit from our services. Online banking and mobile applications allow you to manage your finances from anywhere while keeping your information secure.

Branch Location & Accessibility

Accessing Our Branch

Whether you're coming from downtown Ashland or the surrounding neighborhoods, reaching us is simple. We offer ample parking right outside our doors, ensuring that your visit is hassle-free. Plus, our building is fully accessible with ADA-compliant features like ramps and designated parking spaces for those who need them. If you need to send any official correspondence, please note that while we welcome you at our branch location, all mail should be directed to 1315 CANNONSBURG RD, ASHLAND, KY 41102.

Connect with Us

Have questions or want to learn more about what we offer? Don't hesitate to reach out! You can give us a call at 606-329-7876. Our friendly staff is eager to help you navigate your financial journey. We invite you to stop by the Members Choice branch today your community credit union awaits!

Operating Hours and Services

We're here for you Monday through Friday from 8:30 AM to 5:00 PM. During these hours, our team is ready to assist with a variety of services designed to meet your financial needs. From opening checking and savings accounts to exploring auto loans and mortgage options, we have something for everyone. You can also take advantage of our drive-thru banking service for quick transactions such as deposits and withdrawals without leaving your vehicle. For added convenience, we offer ATM services on-site so you can access your funds anytime. Whether you're checking your balance or making a withdrawal, it's all just a few steps away.

Member Eligibility

At Members Choice, we believe that becoming a member means joining a supportive family dedicated to your financial well-being. If you're looking to be part of our community, the good news is that eligibility is straightforward! You can become a member if you live, work, worship, or attend school in the area around 1315 Cannonsburg Rd Ashland Ky 41102. Whether you're a first-time account holder or someone looking for better banking options, we welcome you with open arms. Starting your membership journey with us is simple and rewarding. You'll enjoy benefits like competitive rates on loans and savings accounts, access to personalized service, and a variety of financial products tailored just for you. For more details on the eligibility criteria, feel free to check out our website at http://www.mccu.net/how-to-become-a-member . When you're ready to open an account, just visit https://my.mccu.net/enroll or give us a call at (606) 329-7876. We're excited to help you take this important step toward achieving your financial goals!

Business Banking & Commercial Services

Financing for Growth

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 That Work

Imagine having the tools to accept payments easily and efficiently. Our merchant services empower you to provide a seamless checkout experience for your customers. With reliable payment processing solutions, you can focus on what matters most growing your business. Located at 1315 Cannonsburg Rd Ashland Ky 41102 in Ashland, KY, we're here to support your business journey. Reach out to us at (606) 329-7876 or visit our website at https://www.mccu.net/ to learn more about how we can help your business succeed!

Comprehensive List Of Services

Additional Services

We also provide basic drive-thru banking for quick deposits and withdrawals as well as access to essential ATM functions. Whether you're making a deposit during lunch or withdrawing cash after hours, we've made it easy for you. At Members Choice, we prioritize convenience and ease of access because we know how busy life can get. If you'd like more information about any of our services or need assistance getting started, please don't hesitate to reach out! You can call us at 606-329-7876 or visit us in person at our Cannonsburg Office. Join us today and experience how Members Choice can make a difference in your financial life!

Business Banking Services

If you own a business, we've got you covered with our comprehensive business banking services. From merchant services that simplify transactions for your customers to business loans that help you expand or invest in your operations, we're here to empower your success.

Digital Banking Convenience

In today's fast-paced world, having access to your finances on-the-go is essential. Our robust online and mobile banking features allow you to manage accounts anytime and anywhere. You can check balances, transfer funds, and pay bills with just a few clicks. Need cash? Our convenient ATM services let you withdraw funds or check balances without hassle.

Personal Banking Solutions

We understand that managing your finances can be challenging. That's why we offer personal banking services like checking and savings accounts that help you easily track your spending and grow your savings. If you're in the market for a vehicle, our auto loans and vehicle financing options make it simple to drive away in your dream car without breaking the bank. For those looking to buy a home or refinance an existing mortgage, our mortgage loans and refinancing solutions ensure you have access to competitive rates and flexible terms. For times when unexpected expenses arise, our personal loans and debt consolidation options provide the support you need to regain control over your finances. Plus, don't forget about our credit cards with rewards, designed to give back as you spend.

Digital & Online Banking

Key Services

With our online banking platform, available at https://www.mccu.net/ , managing your money has never been easier. You can check your account balances, transfer funds between accounts, and pay bills all with just a few clicks. Plus, our 24/7 online banking services mean you can access your account whenever you need it. We also understand that security is a top priority for our members. That's why we offer electronic signature authorization, allowing you to sign documents securely without the hassle of printing or scanning. And if you're looking to keep track of your financial statements easily, our e-statements are available for quick access and review.

Mobile Convenience

For those who prefer banking on the go, our mobile application is here to help. Whether you're making person-to-person transfers or simply checking your balance while running errands, our app puts the power of banking right in your pocket. Unfortunately, we currently do not offer mobile payments; however, our other features ensure that you stay connected to your accounts anytime, anywhere. At Members Choice, we strive to make banking as easy as possible for you. Our commitment to providing accessible and user-friendly services means that managing your finances can be done in real-time and with peace of mind. Explore all these features today and experience how digital banking can simplify your financial life!

Financial Strength

Growing Member Base

We serve a strong community with 46,844 total share accounts, showing a growing member base that trusts us with their finances. Our available funds for lending and investments stand at $7,127,917, which further reinforces our ability to meet the needs of our members. 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 1315 Cannonsburg Rd Ashland Ky 41102 or call 606-329-7876 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.

Member-Centric Savings Options

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 commitment to operational efficiency is reflected in our 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 team.

Reinvesting in Our Community

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 supports members' financial goals across various sectors with $28,996,000 in used auto loans and $264,656,990 in total loans and leases.

Solid 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. We provide flexible terms and competitive rates that make it easier than ever to drive away in the vehicle you want.

Business Loans

For business owners, our outstanding commercial loans totaling $29,644,272 provide the capital needed to grow and expand your business. Whether you're starting a new venture or looking to enhance your existing operations, we have solutions that can help you thrive.

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 understand how important it is to find the right mortgage plan that fits your budget and future goals.

Refinancing Options

If you're considering refinancing an existing loan, we can assist with that too! Our team will work with you to evaluate your current financial situation and determine if refinancing is a beneficial option for you. 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 invite you to explore all of our loan offerings and discover how Members Choice can support your financial journey today!

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. 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. This option gives you the purchasing power you need while allowing for easy repayment plans.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. By using LendMesh, you can easily navigate the loan market with confidence. 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 tailored to your needs. One of the standout features of LendMesh is its commitment to providing verified data. Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. You won't find sponsored listings here; LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that help you make informed choices. With real-time rate comparisons, LendMesh gives you up-to-date loan rates from multiple institutions. This helps you stay informed about your options and empowers you to make decisions that are right for your financial situation. Thousands of users trust LendMesh for their 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 CHOICE CREDIT UNION