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

Introduction

Welcome to Members Choice, your trusted financial partner located at 114 Interstate Dr, Grayson, KY 41143. Established in 1932, we have been proudly serving our community for over nine decades, building lasting relationships with our 23,367 members. Our commitment to providing exceptional service and support is reflected in our robust financial health, boasting total assets of $404,758,220 and total deposits of $13,941,936. At Members Choice, we understand that each member has unique financial needs. That's why we offer a wide range of services including personal banking options like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. For businesses, we provide tailored solutions such as merchant services and business loans to help you thrive. With a total loan portfolio of 13,974, we are dedicated to helping you achieve your financial goals. Our leadership team is here to serve you: Jason Suman, our CEO, along with Board President Don Neikirk, ensures that we stay true to our mission of enhancing the financial well-being of our members. We pride ourselves on being a community-focused institution with 80 employees ready to assist you during our operating hours from Monday to Friday, 8 AM to 5 PM. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address at 145 Russell Rd, Ashland, KY 41101. We invite you to explore how Members Choice can support your financial journey. Whether you're looking to open a new account or need guidance on loans and investments, don't hesitate to reach out! Call us today at 606-326-8000 or visit our website at www.mccu.net for more information. Together, let's build a brighter financial future!

Branch History & Mission

Community Engagement

We are proud of our partnerships within the Grayson area that allow us to give back and support local initiatives. Whether it's sponsoring community events or participating in local outreach programs, we believe that strong communities lead to strong futures for everyone involved.

Join Us

We invite you to experience the benefits of membership with Members Choice. Join us today and be part of a community-focused credit union that prioritizes your financial success alongside meaningful connections with fellow members. To learn how you can become a member or open an account with us, visit our website or call us at 606-326-8000. Together, let's build a brighter future!

Our Journey

Since opening our doors, we have grown tremendously. Today, we proudly serve over 23,367 members and manage assets totaling more than $404 million. Our journey has been marked by milestones that reflect our dedication to both our members and the broader community. From humble beginnings, we have expanded our services to include personal banking, auto loans, mortgages, business banking, and much more. Each step has been taken with our members' needs at heart. Located at 114 Interstate Dr, Grayson, KY 41143, our branch is easily accessible for all your banking needs. For official correspondence, please use our mailing address: 145 RUSSELL RD, ASHLAND, KY 41101. Our branch operates from Monday to Friday from 8 AM to 5 PM, ensuring that you can reach us when you need assistance.

Our Mission

At Members Choice, we believe in empowering our members through exceptional financial services tailored to individual needs. Our mission is simple yet impactful: to provide quality financial products while contributing positively to the communities we serve. We strive not only to support your financial journey but also to enhance the well-being of those around us through active community involvement. As part of our commitment to accessibility, we prioritize ADA compliance and have embraced digital advancements such as online banking and mobile applications. While currently lacking ATM and drive-thru services, we focus on delivering top-notch customer service within our lobby hours.

Branch Location & Accessibility

Nearby Landmarks and Accessibility

Situated in Carter County, our branch is not far from familiar landmarks, ensuring that you can find us without any hassle. With ample parking available right outside the entrance, visiting us is both straightforward and convenient. Our building complies with ADA standards, featuring ramps and accessible entrances for everyone's comfort.

Operating Hours and Services

We're here for you Monday through Friday from 8 AM to 5 PM. Our friendly staff is ready to assist you with a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking solutions. Although we do not offer ATM services or drive-thru banking at this location, we strive to provide a welcoming environment where your banking needs are met efficiently.

Visit Us Today!

Feel free to give us a call at (606) 326-8000 if you have any questions or need assistance before your visit. We invite you to stop by Members Choice today and discover how we can help you achieve your financial goals!

Member Eligibility

Welcome to Members Choice, where joining our community means more than just opening a bank account; it's about becoming part of a supportive family that genuinely cares for your financial well-being. If you're looking to become a member of our Grayson branch, located at 114 Interstate Dr, Grayson, KY 41143, you'll find that the eligibility requirements are quite straightforward and welcoming. Generally, anyone who lives, works, or worships in Carter County can join us! We believe everyone deserves access to quality financial services and support. Getting started is easy! Just visit our eligibility page at http://www.mccu.net/how-to-become-a-member for detailed information. When you're ready to open your account, simply head over to https://my.mccu.net/enroll to begin the process. If you have any questions or need assistance, feel free to call us at 606-326-8000. We can't wait to welcome you into our Members Choice family!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine a busy Saturday where your café's line stretches out the door. Our services ensure you can handle transactions smoothly, so you can focus on serving your customers instead of worrying about payment hiccups. Located conveniently at 114 Interstate Dr Grayson Ky 41143 in Grayson, KY, we are here to help local businesses thrive. For personalized assistance and to learn more about how we can support your business goals, give us a call at (606) 326-8000.

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. - 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

Business Banking Made Easy

For our local entrepreneurs, we offer business banking services that include merchant services and business loans. Whether you're just starting out or looking to expand, we have the tools and support to help your business thrive.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking options that allow you to manage your accounts anytime, anywhere. With features like e-statements and person-to-person payment options, accessing your finances has never been simpler.

Credit Options with Rewards

Don't forget about our credit cards with rewards! They're perfect for making everyday purchases while earning points towards exciting rewards. Imagine earning cash back on groceries or travel it's all possible here!

Personal Banking Solutions

Our personal banking services are designed with you in mind. If you're starting a new chapter in life, consider opening a checking or savings account that fits your lifestyle. Our accounts come with features that make managing your money easier than ever. You can also explore our auto loans and vehicle financing options; whether it's a new car or a reliable used one, we're here to help you hit the road without breaking the bank. Need a place to call home? Our mortgage loans and refinancing options can pave the way to owning your dream home or lowering your monthly payments. Plus, for those unexpected expenses, our personal loans and debt consolidation services can offer you the relief you need.

Support When You Need It

If you ever have questions or need assistance, don't hesitate to reach out! Call us at (606) 326-8000 during our lobby hours from Monday through Friday, 8 AM to 5 PM. We're always here to help guide you through any financial decision. At Members Choice, we understand that each member has unique needs. That's why we strive to offer comprehensive services that cater specifically to those needs. Visit us today at 114 Interstate Dr Grayson Ky 41143 in Grayson, KY, and let us assist you on your financial journey! For more information about how to become a member or open an account, check out this link. We look forward to serving you!

Digital & Online Banking

Conclusion

At Members Choice, we're committed to making banking easy for you. Our digital services empower you to manage your finances whenever it suits you. Experience convenience like never before by exploring all that our digital and online banking options have to offer!

Key Services

With just a few clicks at https://www.mccu.net/ , you can access your accounts through our robust online banking system. Whether you're checking your balance or transferring funds, our 24/7 online banking services ensure you have the support you need around the clock. Need to send money to a friend? Our person-to-person transfer feature makes it easy to send funds directly from your account without any hassle. Plus, with electronic signature authorization available, signing documents is quick and secure, eliminating the need for paper forms.

Security and Accessibility

We take your security seriously. Our online banking platform is equipped with the latest technology to protect your information. You can rest easy knowing that your transactions are safe as you manage your finances from the comfort of your home or on the go. For those who prefer using their smartphones, our mobile application offers all the features you love about online banking right at your fingertips. Check balances, make transfers, and even enroll in e-statements for easy access to your account statements without cluttering up your mailbox.

Financial Strength

Building Trust Together

Total Share and Deposit Accounts: 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 114 Interstate Dr Grayson Ky 41143 or call (606) 326-8000 to learn more about how we can help you achieve your financial goals.

Commitment to Growth

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 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 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.

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 financing options for both new and used vehicles to make your purchasing experience smooth and affordable.

Credit Lines

For added flexibility in managing your finances, consider our total credit lines amounting to $59,132,926. This option allows you to access funds as needed while only paying interest on what you use.

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 also offer competitive rates and terms that can accommodate various budgets and financial situations.

Refinancing Options

If you're considering refinancing your existing loans for better rates or terms, we have options available that can help lower your monthly payments or reduce the overall interest costs. At Members Choice Credit Union, we strive to provide personalized service tailored to your specific needs. If you want more information about eligibility requirements or how to apply for any of our loan products, please visit our website at mccu.net or check out our eligibility guidelines here. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Let us help you take the next step towards achieving your financial dreams!

Unsecured Credit Card 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. These cards are perfect for those looking for convenient payment solutions without collateral requirements.

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. 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 commitment to transparency means you receive fair offers that reflect the most current market conditions. One of the standout features of LendMesh is its Verified Data. All loan offers are sourced from legitimate financial institutions, ensuring that users can trust the information they receive. Moreover, LendMesh prides itself on having No Sponsored Listings; lenders are not prioritized based on paid promotions. This focus on unbiased results helps users make informed decisions without any hidden agendas. With Real-Time Rate Comparisons, LendMesh updates its loan rates from multiple institutions regularly. This provides users with up-to-date information, which is crucial for making sound financial choices. 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!" If you're ready to take control of your borrowing options, 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