Members First Credit Union Harlingen TX | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Members First, your trusted financial partner located at 722 S Loop 499, Harlingen, TX 78550. Since our establishment in 1938, we have dedicated ourselves to serving our community with integrity and care. With a total membership of 12,673 and assets amounting to $175,535,581, we are proud to be a cornerstone of financial support in the Harlingen area. At Members First, we understand that every member's needs are unique. That's why we offer a variety of services including checking and savings accounts, auto loans, personal loans, and business banking solutions. Our commitment is reflected in our total deposits of $13,935,365 and net worth of $39,379,756, ensuring that your finances are in safe hands. Under the leadership of our CEO, Wanda Muessel, and Board President, Luther Hight, our team of 45 employees is always here to assist you. Whether you're looking for help with a mortgage or need guidance on personal finance management, we're ready to provide personalized support. While members can visit us at our physical location in Harlingen for all their banking needs, official correspondence should be sent to the same address: 722 S. Loop 499, Harlingen, TX 78550. We also make it easy for you to reach us by phone at 956-428-8711 or through our website at www.m1st.org. Join us today and experience the difference that a member-focused credit union can make! Whether you have questions or are ready to open an account, don't hesitate to call or visit us soon. Your financial future starts here at Members First!

Branch History & Mission

Community Engagement

Members First is more than just a financial institution; we are an active participant in the Harlingen community. We engage in various outreach efforts aimed at supporting local events and initiatives that uplift our neighbors. Through partnerships with local organizations, we strive to give back and create a positive impact on the lives of those around us. As we look forward to continuing our journey together, we invite you to join Members First. Experience firsthand how we prioritize your needs while contributing to the growth of our vibrant community. Whether you're looking for personal banking solutions or business services, we are here to help you achieve your financial goals. For any inquiries or assistance, feel free to reach out at 956-428-8711 or visit us online at www.m1st.org. Join us today together, we can build a brighter future!

Our Mission

At the heart of Members First is our mission: to empower our members by providing exceptional financial services while fostering a sense of community. We believe that when individuals thrive financially, the entire community flourishes. This commitment drives us to offer not only competitive rates and comprehensive financial products but also educational resources that help members make informed decisions about their finances. Our operating hours align with those of our main office, ensuring that we're here when you need us. We also offer convenient services such as ATM access and drive-thru banking to enhance your experience. Additionally, while members can visit us at 722 S Loop 499, official correspondence should be sent to 722 S. Loop 499, Harlingen, TX 78550.

Branch Location & Accessibility

Accessibility Features

Our branch is designed with accessibility in mind, featuring ramps and ADA-compliant facilities to ensure everyone can access our services comfortably. Parking is ample and easily accessible, so you won't have to worry about finding a spot when you arrive.

Call to Action

We invite you to stop by and see how we can assist you on your financial journey. If you have any questions or would like more information about our services, feel free to call us at 956-428-8711. We look forward to serving you!

Operating Hours & Services

At Members First, we strive to accommodate your banking needs. Our operating hours are the same as our main office, providing flexibility for your busy schedule. We offer a variety of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Plus, our ATM is available for quick cash withdrawals and balance checks whenever you need them. For those who prefer drive-thru banking, we also offer basic services right from your vehicle making transactions easier than ever!

Member Eligibility

At Members First, we believe that everyone deserves a chance to be part of our welcoming community. Becoming a member is straightforward and open to anyone who lives, works, worships, or attends school in our local area. You'll find that joining us means more than just banking; it's about becoming part of a family that supports each other. As a member, you can enjoy various benefits, including competitive loan rates and personalized financial services designed to meet your unique needs. To get started on your membership journey at Members First, simply visit us at 722 S Loop 499 Harlingen Tx 78550 or give us a call at (956) 428-8711 for any questions you might have. For detailed eligibility requirements, feel free to check out this resource: . We're excited to welcome you into our community and help you achieve your financial goals!

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've funded over $0 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 $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine having a reliable partner that simplifies payment processing and enhances customer experience. Our merchant services allow businesses to accept various payment methods easily. This means your customers can pay how they prefer whether that's credit cards, mobile payments, or online transactions giving you the tools you need to thrive in today's competitive market. Located at 722 S Loop 499, Harlingen, TX 78550, our branch is ready to assist you with all your business banking needs. For more information, call us at 956-428-8711 or visit our website at m1st.org. Let us help you take your business to the next level!

Comprehensive List Of Services

Always Here for You

If you're in need of quick cash or want to check your balance on-the-go, our ATMs offer basic access for withdrawals and balance checks. With friendly staff available during operating hours, we're here to assist with any questions or transactions you may have. At Members First in Harlingen, TX, we pride ourselves on being more than just a credit union; we're a partner in your financial journey. Don't hesitate to reach out! Call us at 956-428-8711 or visit us online at www.m1st.org for more information about how we can support your financial needs today!

Business Banking Made Easy

For our entrepreneurial members, we understand the importance of having reliable financial support. Our business banking services, including merchant services and business loans, equip you with the tools needed to grow and manage your business effectively.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features that allow you to access your accounts anytime, anywhere. With options for ATM and cash withdrawal services, as well as basic drive-thru banking for deposits and withdrawals, managing your finances has never been easier.

Financial Support When You Need It

Life can be unpredictable, which is why we offer personal loans and debt consolidation to help you navigate unexpected expenses or simplify multiple payments into one manageable loan. Plus, our credit cards with rewards let you earn points on everyday purchases, giving back to you for spending on what you need.

Personal Banking Solutions

Our personal banking services are designed to help you achieve your financial goals. With options like checking and savings accounts, you can easily manage your money while earning interest on your savings. If you're thinking about buying a car, our auto loans and vehicle financing solutions make it simple to get behind the wheel of your dream ride without breaking the bank. For those considering homeownership, our mortgage loans and refinancing options provide flexible terms that fit your budget.

Digital & Online Banking

Key Features

Our online banking platform offers a range of features to help you stay on top of your financial goals. You can easily view your account balances, track transactions, and manage payments without the hassle of visiting a branch. Need to sign documents? Our electronic signature authorization makes this quick and simple, so you can complete important tasks from the comfort of your home. If you're looking to go paperless, we provide e-statements that allow you to review your account activity securely online. This not only helps reduce clutter but also gives you easy access to your financial information whenever you need it. For those on the go, our mobile application makes banking even more accessible. Whether you're making mobile payments or transferring money between friends using our person-to-person transfer feature, everything is designed to be user-friendly and efficient. Plus, if you're ever in a rush, our mobile payments feature allows you to complete transactions quickly and securely.

Security and Support

Your security is our top priority. We use advanced encryption technologies to ensure that all your online activities are safe from unauthorized access. You can bank with confidence knowing that we have robust measures in place to protect your personal information. At Members First, we believe that banking should be straightforward. If you have any questions or need assistance navigating our digital services, our friendly staff is just a phone call away at (956) 428-8711. Experience the convenience of modern banking with us today!

Financial Strength

Commitment to Growth

With $39,379,756 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 your financial goals with $1,332 in used auto loans and $73,512,752 in total loans and leases.

Growing Member Trust

The trust of our community is evident in the number of accounts we manage 35,323 total share accounts show 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 First is your trusted partner. Visit us at 722 S Loop 499 Harlingen Tx 78550 or call (956) 428-8711 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.

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 44 full-time employees and 1 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 $15,313,880 in share certificates and $32,685,602 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $6,965,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Foundation

With a net worth of $39,379,756, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $2,243 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 $22,567,059 in used vehicle loans and $8,413,043 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new vehicle or a reliable used car, our team is ready to assist you with financing options that work for you.

Credit Lines

For those who need access to funds as they arise, our credit lines provide a convenient solution. With $19,262,102 available in total credit lines, you can enjoy peace of mind knowing that you have financial support whenever necessary. We believe everyone deserves access to financial resources that empower them to thrive. Whether you're looking for an auto loan, mortgage options, or credit solutions tailored just for you Members First is committed to helping you succeed. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore our loan offerings today and see how we can help you achieve your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $136,309, make buying or refinancing simple. We help guide you through the process and provide insights to ensure you make informed decisions.

Unsecured Credit Card Loans

Managing finances effectively is crucial for everyone. We also offer flexible terms on unsecured credit card loans, with a total of $4,053,196 in loans available to help members manage their spending without added stress.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan Comparisons

LendMesh takes accuracy seriously. 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 you can trust that the offers presented are fair and transparent. By using verified data, LendMesh ensures that users have access to legitimate loan options.

MEMBERS FIRST CREDIT UNION