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

Introduction

Welcome to Members Choice, your trusted financial partner located at 145 Russell Rd, Ashland, KY 41101. Established in 1932, we have been serving our community for over 90 years with a commitment to providing exceptional banking solutions tailored to meet the needs of our 23,367 members. Our unique approach combines local knowledge and personalized service, ensuring that every member feels valued and supported. At Members Choice, we take pride in our solid financial foundation. With total assets of $404,758,220 and total deposits reaching $13,941,936, we are well-positioned to help you achieve your financial goals. Whether you're looking for auto loans where we've financed an impressive 5,792 vehicles or personal banking services like checking and savings accounts, we have options that suit everyone. Our leadership team is dedicated to fostering a member-centric culture. Under the guidance of CEO Jason Suman and Board President Don Neikirk, we aim to ensure that our operations align with your needs and aspirations. With a dedicated workforce of 80 employees, we're always ready to assist you with expert advice and support. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 145 Russell Rd, Ashland, KY 41101. You can easily reach us by phone at 606-329-7876 or explore our website at www.mccu.net for more information about our services. We invite you to join us on this journey toward financial success. Visit us today or give us a call; we're here to help!

Branch History & Mission

Evolving with Technology

We recognize the importance of keeping pace with digital advancements while ensuring that our services remain accessible for all members. With features such as online banking and electronic statements available, managing your finances has never been easier. Our ATM and drive-thru services ensure you have convenient access whenever you need it.

Join Us!

As we look towards the future, we invite you to become part of our growing family at Members Choice. Experience firsthand the benefits of membership benefits that not only include competitive rates and a variety of services but also a strong support system rooted in community values. For more information on how to join us or to open an account, please visit our website or call us at 606-329-7876. Let's work together towards building a brighter financial future!

Our Mission

At Members Choice, our mission is clear: we strive to empower our members through exceptional financial services while fostering a strong sense of community support. We believe that by putting our members first and offering personalized solutions ranging from personal banking and auto loans to mortgage financing we can help individuals achieve their financial goals. Our commitment extends beyond traditional banking; we actively engage in community outreach initiatives aimed at making a positive impact in Ashland and surrounding areas. From educational workshops on financial literacy to partnerships with local organizations, we are dedicated to nurturing the communities we serve.

Branch Location & Accessibility

Operating Hours

Our doors are open Monday through Friday from 7:00 AM to 4:00 PM, making it convenient for you to fit your banking around your busy schedule. Whether you're coming in before work or during lunch, we're here to help!

Services Available

At Members Choice, we offer a wide range of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we have everything you need under one roof. Need a quick cash withdrawal? Our ATM is available for your convenience, and if you prefer drive-thru service, we're happy to assist you with deposits and simple transactions without leaving your vehicle. Should you have any questions or need more information about our services, feel free to give us a call at 606-329-7876. Our friendly team is ready to assist you every step of the way. Come visit us at Members Choice today where banking is made easy! We look forward to welcoming you into our community-focused credit union.

Member Eligibility

At Members Choice, we believe that everyone deserves access to financial services that truly support their needs. Becoming a member is simple and welcoming! If you live, work, or worship in Boyd County, Kentucky, you're already on the right track. We also welcome family members of existing members, making it easy for you to join our close-knit community. To learn more about eligibility details, feel free to visit our website at http://www.mccu.net/how-to-become-a-member . Once you know you're eligible, opening an account is just a click away! You can start your membership journey by visiting https://my.mccu.net/enroll . If you have any questions or need assistance along the way, don't hesitate to reach out to us at (606) 329-7876. We're here to help you every step of the way as you take this exciting step towards being part of Members Choice!

Business Banking & Commercial Services

Loan Options 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 these funds, local enterprises have been able to expand their operations, hire more staff, and invest in new technologies that drive success.

Merchant Services That Work for You

In today's fast-paced world, having effective merchant services can make all the difference. Picture this: a busy Saturday morning at your café where customers are lining up. Our merchant services ensure you can accept payments quickly and efficiently, whether it's through card transactions or mobile payments. This seamless experience not only satisfies your customers but also enhances your cash flow. With an outstanding commercial loan portfolio of $29,644,272, we continue to drive economic growth by financing new and expanding businesses right here in Ashland, KY. Partner with us at Members Choice, located at 145 Russell Rd Ashland Ky 41101, and let's take your business to the next level together! For more information, feel free to call us at (606) 329-7876.

Comprehensive List Of Services

Business Banking Services

For those running a business, we offer specialized services including merchant services and business loans. We know how important it is for small businesses to have the right support, which is why our team is dedicated to helping you find solutions that work best for your operation.

Call Us Today!

We invite you to visit us at our branch in Ashland or give us a call at 606-329-7876 during our operating hours from 7:00 AM to 4:00 PM Monday through Friday. At Members Choice, we're here not just as your bank but as your partner in achieving financial well-being. Explore all the ways we can help you by visiting our website at www.mccu.net. Your financial journey starts here!

Convenient Digital Banking

In today's fast-paced world, managing your finances on the go is crucial. That's why at Members Choice, we provide robust online and mobile banking options. You can easily check balances, transfer funds, or pay bills from the comfort of your home or while out and about. With features like ATM access and basic drive-thru banking services available for deposits and withdrawals, accessing your money has never been easier.

Credit Cards and Personal Loans

Need extra cash? Our personal loans can assist you with debt consolidation or unexpected expenses. Plus, don't forget to check out our credit cards with rewards! They not only provide convenience but also give back through points on purchases that can be redeemed for travel, merchandise, and more.

Personal Banking Solutions

Starting with personal banking, we offer various options to help you manage your finances effectively. Our checking and savings accounts are tailored to fit different lifestyles and goals. Whether you want a basic account for everyday transactions or a high-yield savings option, we have something for everyone. When it comes to financing your dreams, our auto loans and vehicle financing make it simple to drive away in the car you've always wanted. We understand that purchasing a vehicle can be daunting, so our friendly team is here to guide you through the process. Additionally, if you're considering buying a home or refinancing your existing mortgage, our mortgage loans are designed with competitive rates and flexible terms.

Digital & Online Banking

Convenient Online Banking

With our 24/7 online banking services, you can access your accounts whenever it suits you. Whether you're checking balances, transferring funds, or paying bills, everything is just a few clicks away. To get started, visit us at https://www.mccu.net/ and explore the features that simplify your banking experience.

Mobile Access

For those who prefer banking on the go, our mobile application is here to help. Easily manage your accounts from your smartphone or tablet. Plus, with our person-to-person transfer feature, sending money to friends and family is a breeze no cash needed!

Security First

Your security is our top priority. Our online banking systems are designed with advanced security measures to protect your personal information. You can feel confident knowing that your data is safe while you enjoy the convenience of digital banking. Experience the ease of managing your finances from the comfort of your home or on the move with Members Choice's digital and online banking services. Start today by visiting https://www.mccu.net/ !

User-Friendly Features

Our online platform offers electronic signature authorization, making it quick and easy for you to complete transactions without the hassle of paperwork. You can also opt for e-statements, which provide an eco-friendly way to keep track of your finances while reducing clutter.

Financial Strength

A Strong Foundation

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. This solid foundation is reflected in our net worth ratio of $798, which ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Committed Team

We believe that great service starts with great people. Our team comprises 73 full-time employees and 7 part-time employees who are always ready to assist you with knowledgeable support and guidance.

Efficient Operations

Our operations reflect efficiency and dedication to service, as shown by our net income of $583,415. This not only demonstrates our ability to manage resources wisely but also allows us to continue offering competitive loan rates and solid financial products tailored for you.

Growing Together

The trust placed in us is evident with a total of 46,844 share accounts held by our growing member base. This shows that more individuals choose Members Choice as their trusted credit union for managing finances effectively. 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.

Investing Back into You

Our commitment to our members is further highlighted by our $29,825,270 in undivided earnings. This means we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. With a robust total of $264,656,990 across various loans and leases including $2,896 specifically for used auto loans we're here to support your financial goals.

Member-Centric Savings

Your savings are our priority. We secure members' funds 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 focus on benefiting you directly with no non-member deposits standing at $0 to divert our resources.

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 vehicle or a reliable used one, we have options that can fit any budget.

Business Loans

For business owners, our outstanding commercial loans totaling $29,644,272 provide the capital needed to grow and expand. We understand the specific challenges businesses face and offer tailored solutions that can help you succeed. At Members Choice, we pride ourselves on being more than just a lender; we're your partner in achieving financial success. Our friendly staff is available at 145 Russell Rd Ashland Ky 41101 in Ashland, KY, and you can reach us at (606) 329-7876 if you have any questions about our loan products or eligibility requirements. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore how our loan offerings can work for you today!

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 competitive rates and flexible terms to help you secure your dream home. If you're considering refinancing, our team can guide you through the eligibility process and help you make informed decisions.

Unsecured Credit Cards

Managing day-to-day expenses can be challenging, but our flexible terms on unsecured credit card loans, with a total of $11,845,873 in loans, help members manage their finances effectively. Enjoy the benefits of having access to funds when you need them most.

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. With a focus on transparency and reliability, LendMesh helps users navigate the complex world of loans with confidence. 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 fair and transparent offers tailored to their needs. By using verified data, LendMesh guarantees that all loan offers come from legitimate financial institutions. One of the standout features of LendMesh is its commitment to unbiased results. There are no sponsored listings or paid promotions that could skew comparisons. Every lender is treated equally, which means you can trust that the options presented are genuinely the best available. LendMesh also provides real-time rate comparisons. This means you're not just seeing outdated information; you're getting current loan rates from multiple institutions. This up-to-date data empowers users to make informed decisions about their financial futures. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback underscores the effectiveness and reliability of the platform. 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