Members Cooperative Credit Union Moose Lake MN | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Members Cooperative in Moose Lake, where your financial well-being is our top priority. Located at 301 Elm Ave, Moose Lake, MN 55767, we have proudly served our community since 1936. With a strong commitment to our members, we currently support over 55,856 individuals and families with a range of financial services designed to meet their unique needs. At Members Cooperative, we believe in building lasting relationships based on trust and transparency. Our total assets stand at an impressive $1,141,915,251, which reflects our dedication to providing robust banking options. We're also proud of our healthy total deposits of $45,865,172, ensuring that your hard-earned money is safe and accessible when you need it. Our leadership team, headed by CEO Stephen Ewers and Board President Doris Dahl, works tirelessly to create a welcoming environment for all members. We employ a dedicated staff of 201 professionals who are always ready to assist you. Whether you're looking for personal banking solutions like checking accounts and auto loans or business banking services such as merchant services and business loans, we have something for everyone. While members can visit us at our Moose Lake branch for all their banking needs, official correspondence should be sent to our mailing address: 215 N 40TH AVE W, Duluth, MN 55807. We invite you to discover how Members Cooperative can help you achieve your financial goals. For inquiries or assistance, feel free to reach out at 218-485-4444. Come visit us today or explore more about our offerings online at Members Cooperative. Your journey toward financial success starts here!

Branch History & Mission

At Members Cooperative, our journey began in 1936, rooted in the heart of Moose Lake, Minnesota. Since then, we've grown into a trusted financial partner for our community, proudly serving over 55,856 members with a commitment to their financial well-being. Our branch is conveniently located at 301 Elm Ave, Moose Lake, MN 55767, a place where friendly faces and expert advice come together. Over the decades, we've expanded our offerings and services to meet the evolving needs of our members. With total assets reaching an impressive $1,141,915,251, we have built a solid foundation that empowers us to provide diverse financial solutions. From personal banking and auto loans to business financing and online banking, we strive to make banking accessible and beneficial for everyone in our community. Our mission at Members Cooperative is simple yet profound: we aim to enhance the lives of our members through comprehensive financial services while fostering a supportive environment for growth and prosperity. We believe in community first partnering with local organizations and engaging in outreach efforts that make a real difference. Whether it's sponsoring local events or supporting initiatives that uplift our neighbors, we are dedicated to being more than just a financial institution; we're your community partner. While members can visit us at 301 Elm Ave, official correspondence should be sent to 215 N 40TH AVE W, Duluth, MN 55807. Our operating hours are designed with your convenience in mind: - Lobby Hours: Monday-Friday from 8:30 AM to 5:00 PM, Saturday from 8:30 AM to 12:00 PM. - Drive-thru service is available Monday-Thursday from 8:30 AM to 5:00 PM, Friday until 6:00 PM, and Saturday until noon. Additionally, we offer ATM services for easy access to your funds anytime. With both digital advancements like online banking and mobile payments alongside traditional banking services such as drive-thru banking and safe deposit boxes, we ensure that your experience with us is smooth and efficient. Join us today at Members Cooperative! Experience firsthand how we prioritize your financial health while giving back to the community that supports us. Visit our website at membersccu.com or call us at 218-485-4444 to learn more about becoming a member and all the benefits that await you!

Branch Location & Accessibility

Comprehensive Services Just for You

We provide a wide range of services tailored to meet your personal and business banking needs. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing, we've got you covered. Plus, with our ATM available on-site, you can access cash whenever you need it. While members can visit us at 301 Elm Ave, official correspondence should be sent to our mailing address at 215 N 40TH AVE W, Duluth, MN 55807.

Easy Access and Parking

Parking is ample and hassle-free, so you can hop in and out without any worries. Our facility is designed to be accessible for everyone, featuring ADA-compliant entrances and ramps that ensure all members can visit us comfortably.

Let’s Connect!

Have questions? Feel free to give us a call at 218-485-4444. Our friendly staff is always ready to assist you. We invite you to stop by Members Cooperative today and experience the difference in community-focused banking!

Operating Hours That Fit Your Schedule

At Members Cooperative, we understand that your time is valuable. That's why we offer flexible operating hours! Visit us Monday through Friday from 8:30 AM to 5:00 PM, and on Saturdays from 8:30 AM to 12:00 PM. If you need to access your safe deposit box, our hours are from 9:00 AM to 4:30 PM on weekdays. For those who prefer banking from their vehicle, take advantage of our drive-thru service available during regular hours perfect for quick deposits or withdrawals on the go!

Member Eligibility

At Members Cooperative, we believe that becoming a member is like joining a family where everyone supports each other. If you're looking to enjoy personalized financial services and a sense of community, you might just be the perfect fit for us! To become a member, you simply need to meet some friendly eligibility criteria. Typically, if you live, work, or worship in our local area, you're likely eligible to join. We welcome individuals from various backgrounds and walks of life, making it easy for anyone to become part of our cooperative. You can check out the detailed eligibility requirements on our website at https://www.membersccu.com/about/become-a-member/. Opening an account with us is straightforward and welcoming. Just visit us at our branch located at 301 Elm Ave Moose Lake Mn 55767 or go online to start the process today! If you have any questions, feel free to give us a call at (218) 485-4444. We're excited to help you take this step toward being part of something special at Members Cooperative!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $398 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $29 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $113,682,186, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer comprehensive merchant services that simplify payment processing for your business. Whether you're running a retail store or an online shop, our solutions make it easy for customers to pay, giving you more time to focus on what you do best growing your business. Located conveniently at 301 Elm Ave Moose Lake Mn 55767 in Moose Lake, MN, our team is ready to partner with you on your business journey. Let's take your business to new heights together! For more information, call us at (218) 485-4444.

Comprehensive List Of Services

Accessibility and Support

Our dedicated team is here to assist you every step of the way. If you have any questions about our services or need assistance, don't hesitate to call us at (218) 485-4444 during our lobby hours: Monday through Friday from 8:30 AM to 5:00 PM and Saturday from 8:30 AM to 12:00 PM. At Members Cooperative, we strive not just to meet but exceed the expectations of our members by offering comprehensive financial solutions that are accessible and easy to use. We invite you to explore all that we have to offer and see how we can help you achieve your financial aspirations today! For more information on becoming a member or opening an account, visit us online at Moose Lake or stop by our branch!

Business Banking Services

For our business members, we provide robust Business Banking solutions including essential Merchant Services & Business Loans that can help your venture thrive. Whether you're starting a new project or looking to expand an existing one, we're here to support your business needs.

Digital Banking Convenience

In addition to traditional banking services, we embrace technology to enhance your banking experience. With our Online & Mobile Banking, you can manage your accounts anytime, anywhere. This feature allows you to check balances, transfer funds, and even pay bills all from the comfort of your home or on the go. Need cash? You can easily find an ATM near you for quick cash withdrawals or balance checks. For those who prefer personal interaction but still value convenience, our basic drive-thru service allows for easy deposits and withdrawals without leaving your vehicle.

Personal Banking Solutions

We understand that managing finances can sometimes be overwhelming. That's why we offer Personal Banking services that include Checking & Savings Accounts tailored to fit your lifestyle. Need quick cash? Our Auto Loans & Vehicle Financing options are designed with competitive rates to help you get on the road without breaking the bank. If you're considering buying a home or refinancing your current mortgage, our team is ready to guide you through the process with our comprehensive Mortgage Loans & Refinancing services. In today's fast-paced world, having access to credit can make life easier. Our Personal Loans & Debt Consolidation services allow you to combine multiple debts into one manageable payment, helping you regain control over your finances. Plus, enjoy rewards with our Credit Cards with Rewards, giving you benefits while making everyday purchases.

Digital & Online Banking

Key Features

Our online banking platform also includes E-Statements Availability, allowing you to view your account statements electronically. This not only helps you stay organized but also reduces paper clutter. Plus, with Electronic Signature Authorization, signing documents is a breeze you can do it all digitally without having to visit a branch. For those who prefer mobile banking, our Mobile Application offers a user-friendly interface for managing your accounts on the go. You can easily make Person-to-Person Transfers with just a few taps, making it simple to send money to friends and family when they need it most. And if you're always on the move, our Mobile Payments Feature lets you make secure payments directly from your smartphone. We prioritize security in all our services, ensuring that your personal information remains safe while you enjoy the convenience of digital banking. With tools designed for real-time account management and easy access to your financial information, Members Cooperative is here to support you every step of the way. Experience the future of banking today join us online at https://www.membersccu.com/!

Financial Strength

At Members Cooperative, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share that our financial health reflects our commitment to serving you better. With a net worth of $111,765,879, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 979 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $279,707,456 in share certificates and $167,386,124 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $17,200,522, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $86,982,058 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our ability to support your financial goals is evident with $9,561 in used auto loans and a total of $924,879,820 in loans and leases available for our members. Our strong operational efficiency is reflected in our net income of $3,310,884, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 196 full-time employees and 5 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Total Share Accounts: 127,905, 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 Cooperative is your trusted partner. Visit us at 301 Elm Ave Moose Lake Mn 55767 or call 218-485-4444 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.

Loan Offering

Additional Financing Options

For those interested in business opportunities, we have outstanding commercial loans totaling $113,682,186, providing essential capital for growth and expansion. Additionally, if you're considering refinancing any existing loans or exploring eligibility options for new ones, our team is ready to assist you in finding the best solutions tailored to your financial situation.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $148,239,608 in used vehicle loans and $39,370,663 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new or used vehicle, we have flexible terms to fit your budget.

Contact Us

If you have any questions or would like more information about our loan offerings at Members Cooperative, please feel free to reach out at 218-485-4444. We are here to help you navigate your financial journey with ease and confidence. 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 make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $46,117,055. Whether you're looking to purchase your first home or refinance your existing mortgage, our team is here to guide you through the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $162,945 in loans helping members manage their finances effectively, our credit cards come with rewards and no hidden fees. They are an excellent option for those who want to keep their spending under control while enjoying the benefits of credit.

Loan Aggregator

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MEMBERS COOPERATIVE CREDIT UNION - Moose Lake, MN

Type of Loan Offerings

Student Loans

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