Members Choice Credit Union Austin TX

Introduction

Welcome to Members Choice, your trusted partner in financial growth and community support located at 4100 Smith School Rd 1, Austin, TX 78744. Since our establishment in 1941, we have proudly served over 47,000 members with a commitment to providing exceptional financial services tailored to your needs. With total assets of $780,724,628 and deposits reaching $52,488,221, we are dedicated to ensuring your money is not just safe but also working for you. At Members Choice, we believe in the power of community. Our team, led by CEO Luke Billeri and Board President Johnny Williams, is here to help you navigate your financial journey. We offer a variety of services designed to enhance your experience from auto loans with a total of 23,163 loans issued to flexible deposit options that suit every member's needs. If you need to reach us for any inquiries or assistance, feel free to call us at 832-457-9966. While members can visit us at our branch location for all their banking needs, official correspondence should be directed to our mailing address: 4100 Smith School Rd # 1, Austin, TX 78744-3205. Join us in making financial dreams a reality! Explore our offerings today by visiting our website at mccu.com. Your future starts here let's grow together!

Branch History & Mission

Community Engagement

Members Choice is more than just a financial institution; we are a community partner. We actively engage in outreach efforts that benefit local organizations and promote financial literacy. By collaborating with schools and non-profits, we aim to create opportunities for growth and education within Austin. As we look forward to the future, we remain committed to adapting and innovating while honoring our roots. Whether you need assistance with loans or saving strategies or are simply looking for a supportive community hub, Members Choice is here for you. Join us on this journey! Experience firsthand what it means to be part of a credit union that truly values its members. Visit us today or call us at 832-457-9966 to learn more about how you can become part of the Members Choice family. Together, let's build a brighter financial future!

Our Mission

Our mission is simple yet impactful: to provide reliable financial services that support the aspirations of our members and uplift the community around us. We believe in fostering financial well-being by offering competitive loans and savings options tailored to fit individual needs. Our dedicated team is here not only to help with your banking needs but also to support local initiatives that strengthen our community ties.

Our Story

From the moment we opened our doors at 4100 Smith School Rd 1, Austin, TX 78744, our focus has been on empowering individuals and families through accessible financial services. Over the years, we've expanded our offerings and embraced advancements in technology to enhance member experiences. Today, we are proud to provide services like online banking and mobile payments that allow members to manage their finances conveniently. While you can always visit us at our branch for personal service, please note that official correspondence should be sent to our mailing address: 4100 Smith School Rd # 1, Austin, TX 78744-3205.

Branch Location & Accessibility

Accessibility Features

At Members Choice, we prioritize accessibility for all our members. Our branch is designed with ADA compliance in mind, featuring ramps and wide doorways to ensure everyone can enjoy a smooth visit. Plus, there's ample parking available right outside, making it easy for you to stop by without any hassle.

Operating Hours

We understand that life can get busy! That's why we're committed to providing flexible banking options. Although our operating hours may vary, we aim to be available when you need us most. Be sure to check our website or give us a call at 832-457-9966 for the latest information on when you can come in.

Services Offered

While we currently do not have ATM services or drive-thru banking available at this branch, our team is here to assist you with all your financial needs inside. Whether you're looking for personal loans or guidance on managing your accounts, we're dedicated to helping you achieve your financial goals. So why wait? We invite you to visit Members Choice today and discover how we can support your journey towards financial success. If you have questions or would like more information about our services, don't hesitate to reach out!

Member Eligibility

Joining the Members Choice family means becoming part of a supportive community that prioritizes your financial well-being. To become a member at Members Choice, all you need is to meet some simple eligibility criteria. Generally, anyone who lives, works, worships, or attends school in the Austin area can apply for membership. It's our way of ensuring that our community is strong and connected! If you're ready to take the next step, opening an account is a breeze. You can find detailed information on how to get started by visiting . If you have any questions or need assistance, feel free to reach out to us at (832) 457-9966. For more specifics on eligibility requirements, check out . We're excited to welcome you to Members Choice at 4100 Smith School Rd 1 Austin Tx 78744!

Business Banking & Commercial Services

Real Solutions for Real Needs

In addition to loans, we offer merchant services that make everyday transactions smoother for your business. Imagine accepting payments easily and securely, allowing you to focus on what matters most growing your business. Whether you're a startup or an established company, our tools are here to simplify your financial processes. Join us at Members Choice, located at 4100 Smith School Rd 1 Austin Tx 78744, where we take pride in being more than just a bank; we're your partner in success. For inquiries or assistance, feel free to call us at (832) 457-9966. Let's work together to achieve your business goals!

Supporting Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $16 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $4 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $18,658,207, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Commitment to Community

At Members Choice, we believe in supporting our members and the communities they live in. Our services are designed with you in mind because we know that when our members thrive, so does our community. Whether you're stopping by for ATM services or utilizing our digital tools, we're committed to making every experience positive and beneficial. We invite you to reach out and learn more about how Members Choice can assist you with all your financial needs. Feel free to call us at 832-457-9966 with any questions or visit us in person at our branch in Austin. Join us today and discover how we can help you achieve your financial goals!

Embracing Technology

In today's fast-paced world, we know how important it is for banking to be accessible and efficient. That's why we have incorporated digital banking features that allow you to manage your finances right from your smartphone or computer. With our online banking options, you can pay bills, transfer money, and monitor your accounts anytime, anywhere. Additionally, our mobile application brings all these functionalities right to your fingertips, ensuring that you can handle your banking needs on the go. You can even enjoy person-to-person payment options that make sending money to friends or family as easy as sending a text.

Personalized Banking Solutions

We understand that everyone has different financial goals. Whether you are looking to save for a new home or need assistance managing your day-to-day expenses, our team is here to help. One of the services we offer is ATM Services Only, allowing you easy access to your funds whenever you need them. Imagine being able to withdraw cash or check your balance without the hassle of waiting in line it's all part of making banking more convenient for you.

Digital & Online Banking

Sub-section Name: Accessibility

Accessibility is at the heart of what we do. If you're out and about and need to check your balance or make a payment, our mobile app has got you covered. You can handle transactions in real time without needing to visit a branch or find an ATM because we believe banking should fit into your lifestyle. At Members Choice, we're committed to providing all these features while ensuring that they remain easy to navigate. Join us today and discover how our digital and online banking services can simplify your life!

Sub-section Name: Security and Convenience

We prioritize your security while making sure our services are user-friendly. With electronic signature authorization available, signing documents is quick and hassle-free. You can also opt for e-statements, which not only help reduce paper clutter but also allow you to access your financial records securely online. Our mobile application takes convenience a step further by allowing you to manage your accounts right from your smartphone. Whether you're making mobile payments or sending money through person-to-person transfers, everything is designed for ease of use. Want to send money to a friend? With our person-to-person feature, it's as simple as a few taps on your screen.

Financial Strength

Growing Community Trust

Total Share Accounts stand at 85,325, showing a strong and growing 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 4100 Smith School Rd 1 Austin Tx 78744 or call (832) 457-9966 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.

Investments in Growth

With $57,239,627 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 further illustrated by $5,117 in used auto loans and $562,423,937 in total loans and leases, supporting your financial goals across various sectors.

Member-Centric Savings

Members' savings are secured through $167,985,535 in share certificates and $76,623,089 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $23,863,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 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 113 full-time employees ready to assist you with a knowledgeable team that understands your needs.

Strong Financial Health

With a net worth of $59,571,684, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $761 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 $110,242,963 in used vehicle loans and $61,241,684 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new or used vehicle, we have options that suit your budget and lifestyle.

Credit Lines

If you're looking for more flexibility in your borrowing options, our credit lines totaling $309,572,372 provide you with access to funds when unexpected expenses arise. It's a convenient way to have money available without taking out a traditional loan. For those considering refinancing their existing loans or exploring eligibility options for any of these products, our knowledgeable team is here to assist you every step of the way. We invite you to visit us at Members Choice and discover how our loan products can help enhance your financial journey. For more detailed information on our offerings or to explore eligibility requirements further, please don't hesitate to contact us or visit our website at mccu.com. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $42,874,448, make buying or refinancing simple. We provide guidance throughout the process to ensure you understand your choices and find a loan that fits your needs.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $6,059,291 in loans helping members manage their finances effectively. This option allows for easy access to funds when needed without the hassle of collateral.

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 is designed to help users navigate the often complex world of borrowing. 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 all offers are fair and transparent, allowing users to make well-informed decisions without hidden surprises. One of the key benefits of using LendMesh is its commitment to verified data. Loan offers are obtained from legitimate financial institutions, ensuring that users receive accurate information. Additionally, LendMesh does not feature sponsored listings. This means that lenders are not prioritized based on paid promotions our goal is to provide unbiased results that truly reflect the current market conditions. LendMesh also offers real-time rate comparisons, giving users access to up-to-date loan rates from multiple institutions. This feature enables potential borrowers to quickly assess their options and select the loan that best fits their financial needs. 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!" Such testimonials highlight the effectiveness of LendMesh as a reliable tool for securing better loan terms. 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