Members Choice Credit Union Ashland KY

Introduction

Welcome to Members Choice, your trusted partner in financial well-being since 1932. Located at 1315 Cannonsburg Rd, Ashland, KY 41102, we proudly serve a vibrant community of over 23,000 members. Our commitment to you is reflected in our solid financial standing, with total assets reaching an impressive $404,758,220 and total deposits of $13,941,936. At Members Choice, we believe that every member deserves the best. With a dedicated team of 80 employees, led by our CEO Jason Suman and Board President Don Neikirk, we strive to provide personalized services tailored to your unique needs. Whether you're looking for loans or savings options, we have a diverse range of products designed to help you achieve your financial goals. While you can visit us directly at our branch location for all your banking needs, please note that any official correspondence should be directed to our mailing address: 1315 CANNONSBURG RD, ASHLAND, KY 41102. Join us today and experience the difference of being part of a credit union that truly cares about its members. If you have questions or want to learn more about our services, feel free to call us at [Phone Number]. We look forward to helping you on your financial journey! For more information about becoming a member or accessing our services online, visit us at mccu.net.

Branch History & Mission

Welcome to Members Choice, a credit union that has proudly served the community of Ashland, KY since 1932. Our journey began with a simple yet powerful vision: to provide our members with exceptional financial services while fostering a strong sense of community. Over the years, we have grown significantly and now serve over 23,000 members, managing total assets of approximately $404,758,220. Located at 1315 Cannonsburg Rd, Ashland, KY 41102, our branch is nestled in a vibrant area that reflects our commitment to being an integral part of the local landscape. We invite you to visit us during our operating hours from 8:30 AM to 5:00 PM, Monday through Friday. While members can find us at this address for all their banking needs, official correspondence should be sent to the same mailing address for convenience. At Members Choice, our mission goes beyond providing traditional banking services; we aim to uplift and empower our community. We believe in supporting local initiatives and forging partnerships that strengthen our neighborhood ties. Whether it's through financial education programs or community outreach efforts, we are dedicated to making a positive impact on the lives of those we serve. As we look back at our history, we celebrate milestones that include expanding our services to meet the evolving needs of our members. From embracing digital advancements like online banking and electronic signatures to ensuring ADA compliance in all our facilities, we strive to offer accessible and user-friendly services. We recognize that banking today requires flexibility and innovation; thus, we're continuously adapting to create a customer-centric experience. Our commitment extends beyond just financial products; it's about building relationships. We pride ourselves on being more than just a bank; we are your neighbors and partners in achieving your financial goals. With no ATM or drive-thru services currently available at this location, our focus remains on personalized service within our branch. We warmly invite anyone interested in becoming part of our family to learn more about membership options by visiting how to become a member. Join us at Members Choice and experience the benefits of belonging to a credit union that truly cares about its members and community. Together, let's pave the way toward a brighter financial future!

Branch Location & Accessibility

Welcome to Members Choice, your friendly neighborhood credit union located at 1315 Cannonsburg Rd in Ashland, Kentucky. Our Cannonsburg Office is here to serve you with convenience and care. Nestled in Boyd County, we're just a stone's throw away from local landmarks, making it easy for you to stop by whenever you need us. At Members Choice, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, ensuring everyone can access our services comfortably. Plus, there's ample parking available right outside the branch for your convenience. We understand that your time is valuable. That's why our lobby hours are designed to fit your schedule: we're open Monday through Friday from 8:30 AM to 5:00 PM. While visiting, take advantage of our ATM services right at the branch to make quick deposits or withdrawals. Although we currently do not have drive-thru banking options or shared service centers, our team is dedicated to providing personalized service inside our welcoming space. If you have any questions or need assistance, feel free to give us a call. While members can visit us at 1315 Cannonsburg Rd, official correspondence should be sent to the same address as well. We look forward to helping you with all your banking needs! Come on in or reach out via phone today; we're excited to assist you!

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 attend school in the Ashland area, you're already on the right path to becoming part of our community. We welcome anyone who shares our values and is looking for a supportive place to manage their finances. For specific eligibility details, feel free to check out this resource for the most up-to-date information. Joining us is simple! You can open your account online by visiting this link, or if you prefer a personal touch, give us a call at . At Members Choice, located at 1315 Cannonsburg Rd Ashland Ky 41102, we pride ourselves on offering our members friendly service and personalized solutions that fit their needs. Welcome aboard; we can't wait to see how we can help you thrive!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer merchant services designed to streamline your operations. Imagine being able to accept payments easily, manage transactions on-the-go, and keep track of sales with user-friendly tools. This means more time focusing on what you do best running your business. Located at 1315 Cannonsburg Rd Ashland Ky 41102 in Ashland, KY, we're dedicated to making banking easier for you so you can thrive in today's competitive market. Let us help you take your business to the next level!

Tailored Loan Options

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. - 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 $29,644,272, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Banking Made Easy

Whether you're managing day-to-day expenses or planning for the future, our services are designed with your convenience in mind. One of the key offerings is our ATM Services Only, which ensures that you have easy access to your funds whenever you need them. Imagine being able to withdraw cash or check your balance without any hassle, no matter where you are.

Digital Solutions for Modern Needs

In today's fast-paced world, having digital banking options is crucial. At Members Choice, we understand this need and provide online banking solutions that make it easier than ever to manage your finances from home or on the go. With features like electronic statements and person-to-person payment options, you can handle your banking tasks quickly and securely.

Our Commitment to You

We know that every member's financial journey is unique. That's why our team is dedicated to understanding your specific needs and providing personalized service. Whether you're looking for advice on saving for a big purchase or tips on budgeting, we're here to help every step of the way.

Stay Connected

For any questions about our services or to get assistance, don't hesitate to reach out. You can contact us at during our lobby hours from 8:30 AM to 5:00 PM, Monday through Friday. We invite you to visit us at our branch or explore our website at mccu.net for more information. At Members Choice, we're not just about banking; we're about building relationships and supporting our community. Join us today and discover how we can help you achieve your financial goals!

Digital & Online Banking

Key Services

Our online banking services are available 24/7, so whether you're at home or on the go, you can check your account balance, pay bills, and transfer funds with just a few clicks. If you prefer using your smartphone, our mobile application is ready for you to download and enjoy a user-friendly experience right in your pocket. For those who like to keep things simple, our e-statements allow you to view your account statements electronically no more paper clutter! Plus, with electronic signature authorization available, signing documents has never been easier or more convenient.

Safe and Secure

Security is a top priority for us at Members Choice. Our systems are designed to protect your personal information while offering an easy-to-use interface. You can also make person-to-person transfers quickly and securely, allowing you to send money to friends or family without any hassle. While we currently do not support mobile payments, we're committed to continually enhancing our services to meet our members' needs. With features like these at your fingertips, managing your finances has never been more accessible. Explore all that digital banking has to offer by visiting us online today at https://www.mccu.net/ . At Members Choice, we're here to help you navigate your financial journey with confidence and ease!

Financial Strength

Commitment to Growth

Our commitment to your financial well-being is reflected in our $29,825,270 in undivided earnings, which we reinvest into innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $2,896 in used auto loans and $264,656,990 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Growing Member Base

Total Share and Deposit Accounts stand at 46,844, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $7,127,917. 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 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our strong operational efficiency is highlighted by our impressive $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, committed team.

Our 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.

Security for Your Savings

Your 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We currently have over $47,559,913 in used vehicle loans and $29,716,049 in new vehicle loans already helping members get on the road. With flexible terms and competitive interest rates, securing an auto loan with us is straightforward and hassle-free.

Business Financing

For business owners looking for growth opportunities, our outstanding commercial loans total $29,644,272. These funds provide the capital needed to expand operations or invest in new projects. At Members Choice, we're dedicated to providing personalized service and support throughout your borrowing experience. If you're interested in learning more about our loan offerings or checking your eligibility for membership, feel free to reach out to us at or visit our website at www.mccu.net. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Join us today and take the next step toward achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $5,003,402. This makes buying or refinancing simple and accessible for our members. We also provide refinancing options to help you lower your monthly payments or tap into your home's equity.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging; that's why we also offer flexible terms on unsecured credit card loans. With a total of $11,845,873 in loans available, our credit cards can help you manage your finances effectively while giving you peace of mind for unexpected expenses.

Loan Aggregator

Building Trust Through User Experiences

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!" Testimonials like this highlight the tool's effectiveness in empowering individuals to secure better financing options. For anyone looking to navigate the often complex world of loans, LendMesh stands out as a reliable partner. 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.

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 ). This commitment to using verified sources guarantees that users receive fair and transparent offers. LendMesh takes pride in several key features that enhance user experience: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions its goal is to provide unbiased results. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, helping them make informed choices.

MEMBERS CHOICE CREDIT UNION