Members Choice Credit Union Grayson KY | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Members Choice, your trusted financial partner in the heart of Grayson, KY. Located at 114 Interstate Dr, Grayson, KY 41143, we pride ourselves on being more than just a credit union; we're a community-focused institution dedicated to serving our 23,367 members with personalized banking solutions tailored to meet their needs. Since our establishment in 1932, we have grown substantially, now boasting total assets of $404,758,220 and total deposits reaching $13,941,936. Our commitment to helping you achieve your financial goals is unwavering. With over 80 employees, including our dedicated CEO, Jason Suman, and Board President, Don Neikirk, we strive to create an environment where you feel valued and supported. While you can visit us at our branch for all your banking needs, please note that any official correspondence should be sent to our mailing address at 145 RUSSELL RD, ASHLAND, KY 41101. At Members Choice, we offer a wide range of services from personal checking and savings accounts to auto loans and business banking solutions. Our total loans stand at an impressive 13,974, demonstrating our ability to help members secure financing when they need it most. With a net worth of $32,305,245 and cash in hand amounting to $1,735,450, we are well-positioned to support your financial journey. We invite you to explore the many ways we can assist you. Whether you're looking to open a new account or need guidance on loans and mortgages, our team is here for you. Feel free to reach out at 606-326-8000 or visit our website at mccu.net for more information. Join us today at Members Choice where your financial well-being is our top priority!

Branch History & Mission

Our Journey

From humble beginnings, Members Choice has evolved into a pillar of support in the Grayson area. Over the years, we have adapted to the changing financial landscape while remaining true to our core mission: to provide accessible financial services that empower our community. We understand that every member's journey is unique, and we strive to offer personalized solutions whether you're looking for checking accounts, auto loans, or business banking services. Our operating hours are Monday through Friday from 8 AM to 5 PM, making it convenient for you to visit us. We are committed to enhancing your experience with modern conveniences like online banking and mobile applications. While we currently do not have ATM availability or drive-thru banking at this location, our focus remains on providing outstanding personal service within our branch.

Our Mission

At Members Choice, our mission goes beyond just numbers; it's about making a real impact in people's lives. We aim to foster financial growth and stability while supporting local initiatives that uplift our community. Through partnerships and outreach efforts, we actively engage with local organizations and projects that align with our values. While members can visit us at 114 Interstate Dr Grayson Ky 41143, official correspondence should be sent to 145 RUSSELL RD, ASHLAND, KY 41101. This ensures that all communications are handled efficiently. As we look toward the future, we invite you to join our growing family at Members Choice. Experience firsthand how we can help you achieve your financial goals while being part of a community-focused credit union that cares. For more information on becoming a member or opening an account, please visit our website or give us a call at (606) 326-8000. Together, let's build a brighter tomorrow!

Branch Location & Accessibility

Welcome to Members Choice, your friendly neighborhood credit union located at 114 Interstate Dr, Grayson, KY 41143. We understand that convenience is key when it comes to banking, and our location is designed with you in mind. Situated near popular local spots, such as the Grayson Lake State Park, you can easily stop by for your banking needs while enjoying the beautiful surroundings. While members can visit us at our branch address, official correspondence should be sent to our mailing address at 145 Russell Rd, Ashland, KY 41101. This ensures that all your important documents reach us without delay. Our branch is easily accessible with ample parking available right outside. Whether you're visiting for a quick transaction or to discuss your financial goals with our team, we have made sure that everyone can access our services comfortably. The facility is ADA compliant, featuring ramps and other accessibility options for those who need them. We're here for you Monday through Friday from 8 AM to 5 PM. Our dedicated staff is ready to assist you with various services including personal banking accounts, auto loans, mortgage options, and even business banking solutions. Although we currently do not offer ATM or drive-thru services at this location, our team is always available inside to help meet your needs. If you have any questions or need assistance, feel free to give us a call at 606-326-8000. We invite you to come by and see how we can support your financial journey today!

Member Eligibility

At Members Choice, we believe that everyone deserves to be part of a caring community where financial goals can flourish. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in our local area, you're likely eligible to join us. We strive to support our members with personalized banking services designed just for you, whether it's saving for a dream vacation or financing your first car. For more detailed eligibility criteria, feel free to visit our page at http://www.mccu.net/how-to-become-a-member . Ready to take the next step? Opening an account is a breeze! You can start the process online by visiting https://my.mccu.net/enroll or reach out to us at (606) 326-8000 if you have any questions. Our friendly team is here to help you every step of the way. Join us at Members Choice, located at 114 Interstate Dr Grayson Ky 41143, and experience the difference of being part of a credit union that truly cares about its members!

Business Banking & Commercial Services

Business Loans for Growth

Imagine securing the funding needed to purchase new equipment or expand your operations. 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. Each loan represents a story of ambition and determination, helping our local economy flourish right here in Grayson, KY.

Practical Merchant Services

In addition to loans, we offer practical merchant services that simplify your payment processing needs. Imagine accepting payments quickly and easily, allowing you to focus on what you do best running your business. Our merchant services provide the tools necessary for smooth transactions, enhancing customer satisfaction and boosting sales. Located at 114 Interstate Dr Grayson Ky 41143, we're dedicated to supporting businesses in Grayson, KY. For more information about how we can assist your business journey, call us at (606) 326-8000 or visit us online at http://www.mccu.net. Let's work together to achieve your business goals!

Comprehensive List Of Services

Business Banking Services

If you're a small business owner, we understand the unique challenges you face. Our business banking services include everything from merchant services that simplify payment processing to business loans that support growth initiatives. We aim to be your trusted partner in navigating the financial landscape of running a successful business.

Convenient Access Anytime

At Members Choice, convenience is key. With features like online and mobile banking, managing your finances has never been easier. You can transfer funds, pay bills, and even send money to friends or family using our person-to-person service all from the comfort of your own home.

Credit Cards with Rewards

Enjoy shopping while earning rewards with our credit cards! Not only do they help you build credit, but they also come with benefits that enhance your purchasing power. Whether it's cashback on groceries or travel perks, these cards are designed to reward you for every dollar spent.

Get Started Today!

We invite you to explore all that Members Choice has to offer. Whether you have questions about opening an account or need assistance with loans, our friendly staff is ready to help. Feel free to reach out at 606-326-8000 during our lobby hours from Monday through Friday, 8 AM to 5 PM. Join us today and experience community-driven banking that puts you first! Visit us online at mccu.net for more information or click here to open an account now!

Loans and Financing

When life's big moments come calling, we're here to help with our extensive loan offerings. Need a new car? Our auto loans and vehicle financing options make it simple to get on the road with competitive rates. For those looking to buy a home, we offer mortgage loans and refinancing solutions that can ease the burden of high-interest rates. Additionally, if you're facing unexpected expenses or want to consolidate debt, our personal loans provide flexible terms tailored to your needs.

Personal Banking Solutions

For those looking to manage their everyday finances, our personal banking options are tailored just for you. We offer checking and savings accounts that fit various lifestyles, whether you're saving for a vacation or need a reliable account for daily transactions. Imagine having easy access to your funds with online and mobile banking, allowing you to check balances and make transfers from anywhere at any time.

Digital & Online Banking

Key Features

For added security and convenience, our online banking system includes electronic signature authorization, meaning you can sign important documents from wherever you are without needing to visit a branch. Plus, with our e-statements feature, you'll receive your account statements electronically making them easier to store and manage. If you're looking for quick ways to send money to friends or family, our person-to-person transfer feature has you covered. This allows for fast and secure transactions without the need for cash or checks.

Mobile Access

Don't forget about our mobile application! With it, you can manage your accounts right from your smartphone. It's user-friendly and packed with features that let you handle everything from deposits to checking balances on the go. Unfortunately, we currently do not support mobile payments; however, our other digital tools ensure that managing your finances remains effortless. At Members Choice, we aim to empower our members with accessible banking solutions. Join us today and experience the ease of digital banking! If you have any questions or need assistance, feel free to contact us at (606) 326-8000.

Financial Strength

A Trusted Partner for Your Financial Needs

Net Shares available for lending and investments stand at $7,127,917, while our total share accounts have grown to 46,844, showing a strong member base that trusts us with their finances. 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 114 Interstate Dr Grayson Ky 41143 or call (606) 326-8000 to learn more about how we can help you achieve your financial goals.

Investing Back into 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 $2,896 in used auto loans and $264,656,990 in total loans and leases.

Operational Efficiency

Our $583,415 reflects our operational efficiency, 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, committed team.

Secure Savings Opportunities

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 robust 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 interested in financing a brand-new model or a reliable used vehicle, we have options that can fit your budget and lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $29,644,272 provide the capital needed to grow and expand your business. We understand the challenges of running a business and strive to support our local entrepreneurs. At Members Choice, we believe in empowering our members through accessible financial solutions. For more information about our loan offerings or to explore refinancing options available for existing loans, don't hesitate to reach out. You can contact us at 606-326-8000 during our operating hours from Monday to Friday between 8 AM and 5 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us online at Members Choice to learn more about how we can assist you!

Credit Cards and Personal 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. If you're looking to consolidate debt or need extra funds for personal expenses, our personal loan options are designed to provide quick access to cash when you need it.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $5,003,402, making buying or refinancing simple. We aim to make the process as straightforward as possible so you can focus on what matters most your new home.

Loan Aggregator

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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 ), ensuring fair and transparent offers. By collaborating with reputable lenders, LendMesh guarantees that the information presented is both accurate and reliable.

MEMBERS CHOICE CREDIT UNION