Members First Credit Union Corpus Christi TX | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to Members First, your trusted credit union located at 1430 S Padre Island Dr, Corpus Christi, TX 78416. Since our establishment in 1938, we have been dedicated to serving our community with a focus on member satisfaction and financial empowerment. With a robust membership of over 12,600 members, we pride ourselves on being a cornerstone of financial support and guidance in the Nueces County area. At Members First, we understand that financial decisions can be overwhelming. That's why we offer a wide range of services tailored to meet your needs from personal banking options like checking and savings accounts to auto loans, mortgage refinancing, and even business banking solutions. Our assets exceed $175 million, reflecting our strong commitment to providing reliable financial services. With $13,935,365 in total deposits and a net worth of $39,379,756, we ensure your money is secure while offering competitive rates and personalized service. Under the leadership of our CEO, Wanda Muessel, and Board President Luther Hight, our team of 45 dedicated employees is here to assist you every step of the way. We believe that every member deserves not just services but also a relationship built on trust and transparency. While you can reach us directly at (361) 882-8841, we encourage you to explore our website at m1st.org for more information about our offerings. Whether you're looking for help with loans or simply want to learn more about managing your finances better, we're here for you. Join us today at Members First where your financial well-being is our top priority!

Branch History & Mission

Welcome to Members First, a cornerstone of the Corpus Christi community since 1938. Located at 1430 S Padre Island Dr, this branch has served as a beacon of financial support and community empowerment for over 85 years. Our commitment to our members is built on a rich legacy of trust and service, making us more than just a credit union; we are your financial partner. Since our inception, we have grown significantly, now boasting a total membership of 12,673 individuals who rely on us for their banking needs. With total assets amounting to $175,535,581, we have continually adapted to meet the evolving needs of our community while maintaining the personal touch that sets us apart. At Members First, our mission is simple yet profound: to provide exceptional financial services while fostering community well-being. We strive to empower our members through various offerings including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. We take pride in being accessible and supportive, ensuring that everyone can reach their financial goals. Our operating hours align with those of our main office, making it convenient for you to visit us whenever you need assistance. We also provide ATM access for quick transactions and drive-thru banking for added convenience. Whether you're stopping by to make a deposit or discussing your financial future with one of our knowledgeable team members, we're here to help. While our branch address is where you can connect with us in person, we encourage official correspondence to be sent here as well. If you have any questions or need assistance, feel free to give us a call at 361-882-8841. In addition to offering traditional banking services, we are dedicated to digital advancements that enhance your banking experience. From online banking and mobile payments to electronic signatures and e-statements, we've made it easier than ever for you to manage your finances from anywhere. Community outreach is at the heart of what we do. We actively participate in local initiatives and partner with organizations that align with our values of support and growth. Together with our members, we aim to create lasting positive impacts in Corpus Christi. Join us at Members First where your financial journey matters! Experience firsthand how we can help you achieve your goals while being part of a supportive community. Whether you're looking for personal banking solutions or business financing options, we're excited to assist you every step of the way.

Branch Location & Accessibility

ATM Availability

For added convenience, we also have an ATM available on-site for quick cash withdrawals and balance checks. This means you can access your funds anytime you need them no waiting in line required! While members can visit us at 1430 S Padre Island Dr, please note that if you need to send official correspondence, it should be directed to the same address. We invite you to stop by Members First today! Experience exceptional service and discover how we can help you achieve your financial goals. Whether you're looking for personal banking solutions or want to explore business opportunities, we're here for you every step of the way!

Accessibility Features

At Members First, we believe that banking should be accessible to everyone. Our branch is equipped with ADA-compliant features, including ramps and ample parking spaces for our members. Whether you're stopping by for a quick transaction or need assistance with more complex financial services, our staff is here to help.

Operating Hours and Services

We understand that your time is valuable. That's why we keep our operating hours flexible, mirroring the hours of our main office to accommodate your busy schedule. You can reach us at 361-882-8841 during these hours for any inquiries or assistance. Our branch offers a range of services designed to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, with our convenient drive-thru service, you can handle deposits and withdrawals without leaving your vehicle!

Member Eligibility

At Members First, we believe that joining our community is more than just opening an account; it's about becoming part of a supportive family. To become a member, you simply need to meet some friendly eligibility requirements. Whether you live, work, worship, or attend school in the area, you're likely eligible to join us. We welcome individuals who share our values and are looking for a place that prioritizes their financial well-being. For the most up-to-date details on eligibility criteria, feel free to check out this helpful resource: . Once you know you're eligible, opening an account is a breeze! Just visit us at our location at 1430 S Padre Island Dr Corpus Christi Tx 78416, or give us a call at (361) 882-8841 for guidance on the process. We're here to help make your transition into membership as smooth as possible. Enjoy benefits like personalized service, competitive rates, and access to a variety of financial products designed with you in mind. Join us today and experience the difference at Members First!

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. Additionally, 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

In today's fast-paced market, efficient payment processing can set your business apart. Our merchant services make it easy for you to accept payments from your customers. Imagine running a café where patrons can pay with ease via mobile payments or card transactions this service streamlines operations and enhances customer satisfaction. Let us help you build a strong financial foundation for your business at Members First, located at 1430 S Padre Island Dr Corpus Christi Tx 78416 in Corpus Christi, TX. For more information, give us a call at (361) 882-8841 or visit our website at https://www.m1st.org/.

Comprehensive List Of Services

Convenient Banking Services

We know convenience matters, which is why we provide essential services like ATM access for quick withdrawals and balance checks. Our drive-thru banking allows for simple transactions without leaving your car perfect for those busy days when time is of the essence. With our commitment to making banking easy and accessible, you'll find that managing your finances has never been simpler. If you're ready to explore how Members First can assist you with any of these services or if you have questions about getting started, don't hesitate to reach out! Call us today at 361-882-8841, or visit us online at www.m1st.org for more information. We look forward to serving you!

Financial Support When You Need It

Life can be unpredictable, which is why we offer personal loans and debt consolidation services. These solutions can help ease financial stress by combining multiple debts into one manageable payment. Our credit cards with rewards also give you the opportunity to earn points on everyday purchases, helping you save while spending. For business owners in need of financial services, our business banking options include merchant services and business loans tailored to help your company thrive. Whether you're just starting out or looking to expand, we have resources available for all stages of growth.

Personal Banking Solutions

When it comes to managing your day-to-day finances, we offer checking and savings accounts tailored for every lifestyle. Imagine having easy access to your money anytime you need it through our robust online and mobile banking platforms. You can check your balance, make transfers, and even pay bills right from your smartphone! For those looking to purchase a vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms. We understand that buying a car is a big decision, and our friendly staff will work with you to find the right fit for your budget. If you're considering homeownership or refinancing, our mortgage loans are designed to support you in achieving that goal.

Digital & Online Banking

Key Features for Your Financial Management

With our online banking services, you can easily check balances, pay bills, and transfer money all from the comfort of your couch or while waiting in line. You can also sign documents electronically with our electronic signature authorization feature, making transactions quicker and hassle-free. Plus, enjoy the benefits of e-statements to keep track of your finances without the clutter of paper statements. For those who are always on the move, our mobile application is a game-changer. It allows you to manage your accounts right from your smartphone. With features like mobile payments and person-to-person transfers, sending money to friends or making purchases has never been easier. Just tap, confirm, and you're done!

Security You Can Trust

Your security is our top priority. We use advanced technology to protect your personal information and ensure that your transactions are safe. Our user-friendly interface makes it simple for anyone to navigate through their accounts confidently. At Members First, we believe that managing your finances should be straightforward and accessible. With tools available at www.m1st.org, you can take control of your financial journey anytime, anywhere. Experience the freedom of modern banking with us!

Financial Strength

Commitment to Growth

Our commitment to excellence is reflected in our $39,379,756 in undivided earnings. We reinvest these funds into innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $1,332 in used auto loans and $73,512,752 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Member Trust

Total Share Accounts stand at 35,323, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) total $0, demonstrating our capability to support your needs effectively. 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 1430 S Padre Island Dr Corpus Christi Tx 78416 or call (361) 882-8841 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is evident with a net income of $0, 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 for Our Members

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 Financial 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 interested in financing a brand-new model or a reliable used vehicle, our team is here to guide you through the process.

Credit Lines

Our total credit lines amounting to $19,262,102 provide additional options for managing cash flow and unexpected expenses. Whether you need funds for home improvements or emergency costs, our credit lines are designed to fit into your lifestyle seamlessly. As part of our commitment to serving our community, we also have refinancing options available for existing loans. If you're considering refinancing to potentially lower your payments or access equity from your home, don't hesitate to reach out for more information. At Members First, we're dedicated to finding the right loan solution for every member. For inquiries or assistance regarding any of our loan products, feel free to call us at (361) 882-8841 or visit us at 1430 S Padre Island Dr Corpus Christi Tx 78416 in Corpus Christi, TX. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your journey toward financial success starts here!

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 offer competitive rates and personalized service to ensure that your experience is as smooth as possible.

Unsecured Credit Card Loans

For those looking for extra flexibility, we also offer unsecured credit card loans. With a total of $4,053,196 in loans helping members manage their finances effectively, our credit cards come with features that can enhance your purchasing power without putting undue strain on your budget.

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 commitment to transparency and reliability, LendMesh stands out as a trusted tool for borrowers seeking the best loan options. 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 loan offers are fair and transparent. By leveraging this verified data, users can confidently explore their financing choices without worrying about hidden terms or inflated rates. One of the key benefits of using LendMesh is its focus on verified data. All loan offers come from legitimate financial institutions, providing a clear view of what's available in the market. Additionally, LendMesh does not engage in sponsored listings; lenders are not prioritized based on paid promotions. The platform's primary goal is to offer unbiased results so users can make informed decisions. LendMesh also provides real-time rate comparisons. Users receive up-to-date loan rates from multiple institutions, empowering them to choose the best option for their financial needs. This feature is especially valuable as interest rates can fluctuate frequently, making timely information crucial for borrowers. Thousands of users trust LendMesh for loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial reflects the effectiveness of LendMesh in delivering meaningful savings and better financial outcomes for its users. 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.*

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