Members Community Credit Union Muscatine IA | Best Auto Loans & Low Mortgage Rates

Introduction

Welcome to Members Community, your trusted partner in financial wellness located at 2915 Cedar St, Muscatine, IA 52761. Since our establishment in 1957, we have been dedicated to serving our community with a warm approach and personalized service. With over 8,000 members and a robust asset base of $87,044,727, we strive to provide the resources and support you need to achieve your financial goals. At Members Community, we understand that every member's journey is unique. That's why we offer a wide range of services, from personal banking options like checking and savings accounts to auto loans and mortgages. Our commitment to our members is reflected not only in the quality of our services but also in our strong financial standing boasting total deposits of $8,553,655 and a net worth of $10,392,451. Our experienced team, led by CEO Tim Chapman and Board President Megan Francis, is here to guide you through every step of your financial journey. Whether you're looking for a new loan or need assistance managing your existing finances, we're just a phone call away at 563-264-7210. While you can visit us at our branch location, official correspondence should be sent to our mailing address at 159 Colorado St. P O Box 467, Muscatine, IA 52761. We invite you to explore our website at memberscommunitycu.org for more information about how we can help you achieve financial success. Join us today and experience the Members Community difference where every member matters!

Branch History & Mission

Innovations and Services

As we move forward in today's fast-paced world, we've embraced technology to enhance your banking experience. With features like online banking and mobile payments available at your fingertips, managing your finances has never been easier. Our drive-thru service provides added convenience for those on the go, ensuring you can access essential services without hassle. In addition to traditional banking services, we offer innovative solutions such as electronic signatures and e-statements for greater efficiency. We're also proud to maintain ADA compliance throughout our facilities so that everyone can enjoy equal access to our services.

Join Us

We invite you to become a part of the Members Community family. Experience firsthand how we can help you achieve your financial goals while supporting the vibrant community of Muscatine. Our dedicated team is here to assist you every step of the way, whether you're looking for guidance on loans or simply want to learn more about what we offer. To explore membership options or inquire further about our services, please contact us at 563-264-7210 or visit our website at memberscommunitycu.org. Together, let's build a brighter future for ourselves and our community!

Our Mission

Our mission at Members Community is simple yet profound: we strive to provide exceptional financial services while fostering a sense of community and support among our members. We believe that everyone deserves access to quality financial products tailored to their needs. Whether it's personal banking services like checking and savings accounts or auto loans and mortgages, we focus on empowering individuals and families through responsible lending practices. We also recognize that being a part of this community means giving back. Through various outreach programs and partnerships with local organizations, we actively contribute to initiatives that uplift and strengthen Muscatine. Our commitment extends beyond banking; it encompasses the well-being of our entire community.

Branch Location & Accessibility

Welcome to Members Community, your trusted credit union located at 2915 Cedar St, Muscatine, IA 52761. Our branch is conveniently situated near popular local landmarks, making it easy for you to drop by whenever you need banking services. Whether you're coming from downtown or just passing through, our location is designed with your accessibility in mind. At Members Community, we understand the importance of convenience and comfort. Our branch features ample parking spaces and is fully accessible, including ADA-compliant ramps to ensure everyone can enjoy our services without hassle. Plus, we offer both drive-thru banking and ATM access so that you can manage your finances quickly and efficiently. Our operating hours are tailored to fit your busy schedule. We're open Monday, Tuesday, and Thursday from 8:00 AM to 5:00 PM; Wednesday from 10:00 AM to 5:00 PM; Friday from 8:00 AM to 5:30 PM; and Saturday from 8:00 AM to 12:00 PM. Whether you're stopping by during your lunch break or on a Saturday morning, we're here for you. While members can visit us at our Cedar Street location for all their banking needs like personal accounts, auto loans, mortgages, and more official correspondence should be sent to our mailing address at 159 Colorado St., P.O. Box 467, Muscatine, IA 52761. If you have questions or need assistance, don't hesitate to call us at 563-264-7210. Our friendly team is eager to help you navigate your financial journey. We look forward to welcoming you at Members Community!

Member Eligibility

Becoming a member of Members Community is like joining a welcoming family that's dedicated to supporting your financial journey. If you live, work, worship, or attend school in Muscatine County, you're already eligible to join us! We believe that everyone deserves access to friendly service and helpful resources. Plus, as a member, you'll enjoy competitive rates on loans and savings accounts, as well as personalized banking solutions tailored just for you. For those who want to dive into the details of eligibility, feel free to check out our membership requirements. Ready to take the next step? Opening an account with Members Community is simple! Just visit our account opening page or give us a call at (563) 264-7210 if you have any questions. We're here to help make your banking experience smooth and enjoyable!

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 also support the broader business community with $19 in non-member commercial loans, providing flexible financing solutions. Imagine being able to purchase new equipment, hire additional staff, or even open a new location all made possible through accessible funding. With our tailored loan options, your business can not only survive but thrive.

Merchant Services

In addition to loans, we offer merchant services that simplify payment processing for your business. Picture this: a busy Saturday at your store. Customers are ready to check out, but your payment system is slow or complicated. Our merchant services ensure smooth transactions so you can focus on what matters serving your customers and growing your business. Located at 2915 Cedar St Muscatine Ia 52761 in Muscatine, IA, we're here to partner with you every step of the way. Contact us today at (563) 264-7210 to learn more about how our business banking and commercial services can help you achieve your goals!

Comprehensive List Of Services

Convenient Access to Funds

In today's fast-paced world, convenience is key. That's why we have ATM services available for quick cash withdrawals and balance checks. Plus, our basic drive-thru banking allows for easy deposits and withdrawals without leaving your vehicle perfect for busy days.

Credit Cards and Business Banking

Our members enjoy credit cards with rewards that make everyday spending more rewarding. If you're a business owner, our business banking solutions include essential services like merchant accounts and business loans tailored to help you grow. We understand the unique challenges businesses face and strive to offer support where it matters most.

Embracing Digital Features

We embrace technology to enhance your banking experience. With features like mobile payments, e-statements, and person-to-person transfers, managing your finances has never been easier. Whether it's paying bills on-the-go or sending money to friends, our digital banking tools are designed with you in mind. If you're ready to explore how Members Community can assist you with these services or have any questions, don't hesitate to reach out! Call us at 563-264-7210 or visit us in person. We look forward to helping you navigate your financial future! For more information about becoming a member or opening an account, check out our website at Members Community.

Personal Banking Solutions

When it comes to managing your money, we offer various checking and savings accounts designed to suit different lifestyles. Imagine easily accessing your funds through our online and mobile banking platforms, allowing you to check balances or transfer money from the comfort of your home. Our personal loans and debt consolidation options can help you achieve your goals, whether it's financing a special project or reducing monthly payments.

Vehicle Financing and Home Loans

Are you thinking about purchasing a new car? We provide flexible auto loans and vehicle financing to help you get on the road quickly. For those considering home ownership, our mortgage loans and refinancing services make the process smoother. Picture stepping into your dream home with the confidence that comes from having a supportive financial partner by your side.

Digital & Online Banking

Key Services

With our online banking platform, you can enjoy 24/7 access to your accounts. Whether you're checking balances, transferring funds, or paying bills, everything is just a few clicks away. Our user-friendly interface ensures that even those who aren't tech-savvy can navigate easily. Want to go paperless? We offer E-Statements, allowing you to view your account statements online rather than waiting for them to arrive in the mail. This not only keeps your information secure but also helps the environment! Need to send money quickly? Our Person-to-Person Transfers feature lets you send money to friends or family instantly perfect for splitting dinner bills or sharing costs. Plus, if you're always on the go, our Mobile Application makes it even easier to manage your finances right from your phone.

Security and Convenience

We prioritize your security with features like Electronic Signature Authorization, which simplifies document signing while keeping your information safe. You can also take advantage of our Mobile Payments option, making transactions as easy as tapping your phone. Whether it's day or night, our online banking services provide you with real-time account management so you can stay on top of your finances without any hassle. At Members Community, we're committed to making banking more accessible and convenient for all our members. Explore all these features and more by visiting us at memberscommunitycu.org today!

Financial Strength

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Members Community is your trusted partner. Visit us at 2915 Cedar St Muscatine IA 52761 or call 563-264-7210 to learn more about how we can help you achieve your financial goals.

Dedicated Team

We also take pride in having 21 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Our total share accounts stand at 17,537, showing a strong and growing member base that trusts us with their finances.

Member-Focused Savings

Members' savings are secured through $20,924,283 in share certificates and $1,811,968 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 Foundation

With a net worth of $10,392,451, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.94% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Earnings and Loans

With $5,984,412 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 $32,769 in used auto loans and a total of $58,337,223 in loans and leases across various sectors. Our net income of $719,949 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already helped many members get on the road with over $16,456,549 in used vehicle loans and $3,941,931 in new vehicle loans. With competitive rates and flexible terms, financing your next vehicle has never been easier.

Credit Lines and Personal Loans

For those who prefer more flexibility, we offer total credit lines amounting to $13,830,133. This allows you to manage unexpected expenses or fund special projects at your convenience. Additionally, if you're looking for unsecured credit card options, we have flexible terms available, helping members manage their finances effectively.

Eligibility and Refinancing

If you're considering refinancing your current loans or checking eligibility for our loan offerings, our team is here to assist you every step of the way. We can help you understand your options and find solutions tailored to your unique situation. For inquiries or more information about our loan products, feel free to contact us at (563) 264-7210 or visit us at our branch located at 2915 Cedar St Muscatine Ia 52761 in Muscatine, IA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We are committed to providing transparent information so you can make informed decisions about your financial future.

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $7,778,783, make buying or refinancing simple. We provide personalized support to guide you through the process, ensuring that you find the right solution for your needs.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate 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 means that all offers displayed on LendMesh are fair and transparent. By utilizing only verified financial institutions, LendMesh ensures that users receive accurate information for their loan comparisons.

MEMBERS COMMUNITY CREDIT UNION