Members Choice Credit Union Waco TX | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Members Choice Of Central Texas, where we believe that banking should be personal, friendly, and community-focused. Nestled at 4631 W Waco Dr, Waco, TX 76710, our main branch has been serving our valued members since 1935. With a rich history of dedication and service, we are proud to support over 19,341 members in achieving their financial goals. At Members Choice Of Central Texas, your financial well-being is our top priority. Our total assets stand at an impressive $207,093,709, ensuring that we have the resources necessary to provide you with exceptional products and services. Whether you're looking for auto loans, mortgage financing, or personal banking solutions, we've got you covered with a total loan portfolio of 7,190 loans and leases. Our commitment to our members extends beyond just numbers; it's about building relationships. Under the leadership of CEO Don Cox and Board President Brenda Alligood, our team of 51 dedicated employees works tirelessly to create a welcoming environment for everyone who walks through our doors. We invite you to experience the difference that comes with being part of a credit union that truly cares. While members can visit us at our main branch location, official correspondence should be sent to PO Box 20248, Waco, TX 76702. If you have any questions or need assistance, don't hesitate to reach out! Give us a call at 254-776-7070, and let us help you navigate your financial journey. Join us today and discover how Members Choice Of Central Texas can make a positive impact on your life! For more information about our services or to explore membership options, visit our website at choicefcu.com.

Branch History & Mission

Join Us

We invite you to become part of our story. At Members Choice Of Central Texas, you're not just a member; you're family. Experience the benefits of being part of a community-driven credit union that prioritizes your financial health. Visit us today or explore more about how you can join through our website at choicefcu.com. Let's build a brighter financial future together!

Our Mission

At Members Choice Of Central Texas, our mission is simple yet profound: to enhance the financial lives of our members through personalized service and innovative solutions. We believe in building lasting relationships within our community by offering not only financial products but also valuable resources and support. This commitment extends beyond just banking; we actively participate in local outreach programs that empower families and strengthen our neighborhoods. While members can visit us at 4631 W Waco Dr Waco Tx 76710, official correspondence should be sent to PO Box 20248, Waco, TX 76702. Our operating hours are designed with your convenience in mind: Lobby hours are Monday through Thursday from 9:00 am to 5:00 pm, Friday from 9:00 am to 6:00 pm, and Saturday from 9:00 am to 12:00 pm. For those who prefer drive-thru service or ATM access, we offer these facilities as well.

Our Story

The journey of Members Choice Of Central Texas began in a time when community-focused financial services were essential for local families. Our founders envisioned a credit union where people could come together to support one another financially. Since then, we have embraced this mission wholeheartedly, evolving and adapting to meet the needs of our members while staying true to our roots. As the years passed, we expanded our services and incorporated modern banking conveniences. We now offer an array of personal and business banking solutions such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Today, with digital advancements like online banking and mobile payment options available, we strive to ensure that banking remains accessible for all.

Branch Location & Accessibility

Get in Touch!

While you can visit us at our branch for all your banking needs, please remember that official correspondence should be sent to PO Box 20248, Waco, TX 76702 if needed. If you have any questions or need assistance, don't hesitate to call us at 254-776-7070. We're excited to serve you at Members Choice Of Central Texas!

Nearby Landmarks and Accessibility

Located near popular spots such as the beautiful Cameron Park and just a short drive from the bustling Waco Downtown area, our branch is perfectly situated for both local residents and visitors alike. With ample parking available, you can easily find a spot without hassle. Our facility is designed with accessibility in mind, featuring ADA-compliant entrances and ramps to ensure that everyone can comfortably access our services.

Operating Hours & Services Offered

We understand that life can be busy, which is why we offer flexible operating hours to suit your schedule. Our lobby hours are Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 12:00 PM. For those who prefer drive-thru banking, we're open Monday through Friday from 7:30 AM to 6:00 PM and Saturday from 9:00 AM to 12:00 PM as well. At Members Choice Of Central Texas, we offer a range of services tailored to meet your needs from personal banking options like checking and savings accounts to auto loans, mortgage refinancing, and even business banking solutions. Plus, enjoy the convenience of ATM access for quick cash withdrawals or balance checks.

Member Eligibility

At Members Choice Of Central Texas, we believe that everyone deserves a chance to be part of a caring and supportive community. If you're looking to join us, becoming a member is easy and welcoming! To qualify for membership, you simply need to live, work, or worship in our local area or have a family member who is already a member. This makes it possible for many individuals to connect with us and enjoy the unique benefits we offer. You can find more detailed eligibility information by visiting our website at https://mbrapp.memberschoicectfcu.org/. Joining Members Choice Of Central Texas means gaining access to personalized banking services that are designed with you in mind. Whether you're opening a checking account, applying for an auto loan, or just looking to learn more about your financial options, we're here for you every step of the way. If you're ready to open an account, check out the details on how to get started at https://mbrapp.memberschoicectfcu.org/. If you have any questions, feel free to give us a call at (254) 776-7070. We're excited to welcome you into our family at Members Choice Of Central Texas, located at 4631 W Waco Dr Waco Tx 76710!

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 $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer practical merchant services that help businesses thrive. Imagine streamlining your payment processes so you can focus on what you do best serving your customers. Our merchant services provide tools for accepting payments, managing cash flow, and enhancing customer experiences. Located at 4631 W Waco Dr, Waco, TX 76710, we're here to partner with you every step of the way. Let's work together to build a brighter future for your business! For more information or to get started, give us a call at 254-776-7070 or visit our website at choicefcu.com.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Dreaming of a new car? With our auto loans and vehicle financing, we can help turn that dream into reality. We provide competitive rates and flexible terms to make buying your next vehicle as stress-free as possible. Imagine driving off in your new car while knowing that your financing was handled with care.

Business Banking Solutions

For entrepreneurs and business owners in Waco, our business banking services are designed to support growth and efficiency. From merchant services that simplify payment processing to tailored business loans, we aim to be your trusted partner in success.

Credit Cards with Rewards

With our credit cards featuring rewards, every purchase can bring you closer to exciting perks! Whether it's cash back on groceries or points towards travel, enjoy the benefits while managing your spending wisely.

Digital Banking Features

We know convenience matters, which is why we offer robust online and mobile banking services. You can check balances, transfer funds, pay bills, and even use person-to-person payment options right from your smartphone. Plus, our ATM services allow for easy cash withdrawals whenever you need them.

Drive-Thru Services

Sometimes a quick visit is all it takes! Our basic drive-thru banking allows for straightforward transactions like deposits and withdrawals without leaving your vehicle. At Members Choice Of Central Texas, we're committed to making banking accessible and efficient for everyone in our community. For more information about any of these services or to get started today, give us a call at 254-776-7070 or visit us online at choicefcu.com. Let us help you achieve your financial goals!

Mortgage Loans & Refinancing

If you're looking to purchase a home or refinance an existing mortgage, we've got you covered. Our mortgage loans are tailored to fit your unique situation, helping you secure the best possible rate. Picture yourself settling into your new home with confidence, knowing you've made a sound financial decision with our support.

Personal Banking

For those looking to manage their day-to-day finances, we offer various personal banking options. Our checking and savings accounts are designed to help you save for future goals or simply keep your money safe. Whether you're saving for a vacation or planning for unexpected expenses, our accounts provide easy access and peace of mind.

Personal Loans & Debt Consolidation

Life can throw surprises at us, and sometimes you need extra funds to navigate through them. Our personal loans offer flexibility for whatever life brings, whether it's medical expenses or home repairs. Additionally, if you're feeling overwhelmed by debt, consider our debt consolidation options that can simplify your payments into one manageable monthly amount.

Digital & Online Banking

Key Features

Our mobile application brings the bank right to your pocket. You can check balances, transfer funds, and even make mobile payments effortlessly. Plus, with person-to-person transfer capabilities, sending money to friends or family is quick and simple no need for cash or checks. For those who prefer going paperless, we provide e-statements to help you stay organized and reduce clutter. You can view your statements securely online whenever you need them. And if you want to sign documents without the hassle of printing and mailing, our electronic signature authorization makes that process straightforward and secure.

Security and Accessibility

Security is our priority at Members Choice Of Central Texas. Our digital services are equipped with robust security features to protect your information while providing a user-friendly experience. You can rest easy knowing that your financial data is safe with us. With all these features at your fingertips, managing your finances has never been easier. Explore more about our digital offerings by visiting our website today!

Financial Strength

At Members Choice Of Central Texas, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. Our commitment to your financial well-being is reflected in our strong performance metrics and dedication to sound management practices. With a net worth of $32,249,737, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1557 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $46,796,336 in share certificates and $11,132,123 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $1,822,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $31,911,933 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 $14,470,4449 in total loans and leases and 1,883 used auto loans, we support members' financial goals across various sectors. Our operational efficiency is highlighted by our net income of $0, showcasing our ability to maintain effective cost management while still focusing on member satisfaction. We also take pride in having 51 full-time employees ready to assist you with personalized service tailored to your needs. Total Share and Deposit Accounts stand at 33,519, reflecting a strong and growing member base that trusts us with their finances. This trust fuels our mission to help you achieve your financial goals. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Members Choice Of Central Texas is your trusted partner. Visit us at 4631 W Waco Dr Waco Tx 76710 or call 254-776-7070 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $37,950,519 in used vehicle loans and $36,278,557 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, ensuring that you can find the right fit for your budget.

Credit Lines

If you need extra flexibility in your borrowing, consider our credit lines totaling $40,328,510. They provide easy access to funds whenever you need them without the hassle of applying for a separate loan each time. Our branch is located at 4631 W Waco Dr Waco Tx 76710. If you're interested in any of these products or want to explore refinancing options or eligibility criteria further, please reach out to us at 254-776-7070. 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 Choice Of Central Texas, we are committed to supporting our community's financial well-being by providing accessible lending solutions that cater to your specific needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,275,156, make buying or refinancing simple. We guide you through the process and offer competitive rates so you can secure a place you'll love to call home.

Unsecured Credit Card Loans

Managing day-to-day expenses is crucial. We also offer flexible terms on unsecured credit card loans, with a total of $174,487 in loans helping members manage their finances effectively. These cards come with features that can help you stay organized while enjoying the benefits of rewards.

Loan Aggregator

Ensuring Accurate Loan Comparisons

LendMesh stands out for its commitment to accuracy and fairness in 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 ensures that users receive only the most reliable and transparent offers available.

Key Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, which guarantees transparency in every comparison. - No Sponsored Listings: Unlike many other comparison tools, LendMesh does not prioritize lenders based on paid promotions. The focus here is solely on providing unbiased results to users. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can make informed decisions that align with their financial goals. 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!" Explore how easy it can be to compare loans by checking out LendMesh's loan comparison tool. 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 Of Central Texas