Members First Credit Union Harlingen TX | Best Auto Loans & Business Banking

Introduction

Welcome to Members First, your trusted financial partner right here in Harlingen, Texas! Located at 722 S Loop 499, our branch has been a cornerstone of the community since 1938. With a commitment to serving our 12,673 members, we pride ourselves on offering a range of services designed to meet your banking needs. At Members First, we understand that financial decisions can be daunting. That's why we're here to provide you with personalized service and expert guidance every step of the way. Our total assets stand at an impressive $175,535,581, ensuring that we have the resources necessary to support our members. With $13,935,365 in deposits and a robust loan portfolio of 6033 loans and leases, we're well-equipped to help you achieve your financial goals. Our team is led by CEO Wanda Muessel and Board President Luther Hight, both of whom are dedicated to fostering a welcoming environment for all members. Our friendly staff of 45 employees is always ready to assist you with anything from checking accounts and auto loans to personal loans and business banking services. While members can visit us at our Harlingen branch for everyday banking needs including access to an ATM and drive-thru service official correspondence should be sent to the same address: 722 S. Loop 499, Harlingen, TX 78550. At Members First, we believe in investing back into our community. We're committed not only to providing exceptional financial products but also to making a positive impact in the lives of our members. Whether you're looking for a new vehicle loan or want to explore mortgage options, we're here to help. Ready to take the next step? Give us a call at 956-428-8711 or visit our website at www.m1st.org today! Your journey towards financial wellness starts here!

Branch History & Mission

Our Evolution

The journey of Members First began with a simple goal: to provide accessible financial services to the local community. Over the decades, we have embraced change and adapted to meet the evolving needs of our members. Our branch at 722 S Loop 499, Harlingen, TX 78550 has seen significant milestones that reflect our commitment to service and innovation. As we expanded our offerings from checking accounts to auto loans and mortgages we remained focused on personal relationships and community well-being.

Our Mission

At Members First, our mission is clear: we strive to empower our members through tailored financial solutions while fostering a supportive community environment. We believe in making banking easier for everyone, whether through online services or in-person interactions at our drive-thru or ATM facilities. Our drive-thru service allows members to enjoy quick access to essential banking transactions without leaving their vehicles. In addition to providing financial services, we actively engage in community outreach efforts. We partner with local organizations and participate in events that uplift our neighborhoods. Every initiative we undertake reflects our deep-rooted commitment to not just be a bank but a vital part of the fabric of Harlingen.

The Future Awaits

As we look ahead, Members First is excited about continuing our legacy of growth and innovation. We prioritize digital advancements like online banking and mobile payments while ensuring compliance with ADA standards so that all members can access our services comfortably. While you can visit us at 722 S Loop 499, official correspondence should be directed to the same address for your convenience. If you have questions or need assistance, feel free to reach out at 956-428-8711. Join us today and experience firsthand how Members First can make a difference in your financial journey! Together, let's build a brighter future for ourselves and our community.

Branch Location & Accessibility

Convenient Services and Hours

At Members First, we offer a variety of services 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 ATM available on-site and drive-thru banking options, accessing your funds has never been easier. Our operating hours align with those of our main office, ensuring you have plenty of opportunities to visit us. If you need assistance or have questions about any of our services, feel free to give us a call at 956-428-8711.

Nearby Landmarks and Accessibility

You'll find us nestled near local favorites, making it easy to stop by while running errands or enjoying a day out. Whether you're grabbing coffee at a nearby café or visiting the shops along the loop, we're just a stone's throw away. Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and ample parking to ensure everyone can visit us comfortably.

Visit Us Today!

While members can visit us at 722 S Loop 499, official correspondence should be sent to the same address. We invite you to stop by and see how we can help you achieve your financial goals. Join our family at Members First today!

Member Eligibility

At Members First, we believe that everyone deserves a chance to be part of a caring financial community. Becoming a member is simple and welcoming! If you live, work, or attend school in the Harlingen area, you're already on the right path to joining us. We also extend membership to family members of current members, which means you can share the benefits with your loved ones! Enjoy personalized services tailored to your needs, whether it's savings accounts, loans, or financial advice. For more detailed eligibility information, feel free to check out our resource at . If you're ready to take the next step or have any questions, don't hesitate to give us a call at (956) 428-8711. We're excited to help you open an account and start your journey with us at Members First, located at 722 S Loop 499 Harlingen Tx 78550!

Business Banking & Commercial Services

Financing Options for Growth

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 That Make Life Easier

In today's fast-paced market, having efficient payment solutions is crucial. Our merchant services allow businesses to accept payments effortlessly, from credit cards to mobile transactions. Imagine running your shop and knowing that each sale is processed smoothly while you focus on delighting your customers. This is what we strive to provide tools that simplify your operations so you can concentrate on what truly matters: growing your business. Visit us at 722 S Loop 499 Harlingen Tx 78550 in Harlingen, TX, or call us at (956) 428-8711 to learn how we can partner with you for success!

Comprehensive List Of Services

Business Banking

For our entrepreneurial members, we have a suite of Business Banking services including Merchant Services & Business Loans that can help your business thrive. We know how important it is for small businesses to have reliable financial support, and we're here to provide just that.

Connect with Us

At Members First, our mission is not just about providing services; it's about building lasting relationships with our members in Harlingen and beyond. Our friendly staff is ready to assist you with any questions or needs you may have. Feel free to reach us at 956-428-8711, or visit us at our convenient location. Explore all that we offer by visiting our website. Whether you're starting your financial journey or looking for new ways to grow, Members First is here for you every step of the way!

Convenient Access and Digital Banking

We recognize that in today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking services so you can manage your finances anytime, anywhere. With features like Mobile Payments and easy access to your accounts via our app or website, handling your money has never been easier. Need cash? Our ATMs provide quick access for withdrawals and balance checks without long waits. If you're on the go and need to deposit a check or make a simple transaction, our Basic Drive-Thru Banking service allows you to do just that with ease.

Personal Banking

For everyday banking needs, we offer Checking & Savings Accounts tailored to fit your lifestyle. If you're planning on purchasing a vehicle, our Auto Loans & Vehicle Financing options are designed with competitive rates to get you on the road without breaking the bank. We also provide Mortgage Loans & Refinancing solutions that make home ownership more attainable. Our team can guide you through each step of the process, ensuring that you find the right loan for your circumstances. Sometimes life throws unexpected expenses your way. That's why we offer Personal Loans & Debt Consolidation options to help you manage those challenges effectively. And don't forget about our Credit Cards with Rewards, allowing you to earn points for your everyday purchases!

Digital & Online Banking

Key Features

Our online banking platform is user-friendly and packed with features that make financial management a breeze. Whether you're checking your balance, transferring funds, or paying bills, everything is just a few clicks away. You can also enjoy the convenience of e-statements, which are available for all members, making it easier to keep track of your transactions without the clutter of paper. Need to send money to a friend? With our person-to-person transfer feature, sending cash has never been simpler. Plus, if you prefer using your smartphone for payments, our mobile payments option allows you to make purchases securely right from your device.

Security and Accessibility

We prioritize your security with features like electronic signature authorization, ensuring that your transactions are safe and protected. Our mobile application provides an additional layer of convenience and allows you to manage your finances on the go. Whether you're at home or out and about, managing your accounts in real-time has never been easier. From viewing balances to making transfers, every feature is designed with accessibility in mind. At Members First, we're committed to providing our members with reliable and efficient digital banking solutions that empower you to take control of your financial journey. Explore more about our offerings today at https://www.m1st.org/!

Financial Strength

Growing Trust

Total Share and Deposit Accounts: 35,323, showing a strong and growing member base that trusts us with their finances. This trust empowers us to manage resources effectively while helping you achieve your financial dreams. 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.

Investing in Your Future

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 members' financial goals across various sectors with $1,332 in used auto loans and $73,512,752 in total loans and leases.

Member-Centric Savings

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.

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.

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. We have already issued $8,413,043 in new vehicle loans and $22,567,059 in used vehicle loans, helping members get on the road with ease. Whether you're purchasing a brand-new car or a reliable used one, we are here to assist you every step of the way.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Property loans totaling $136,309. We make buying or refinancing simple and straightforward. If you're considering refinancing your current mortgage or exploring eligibility options for our mortgage products, our team is ready to help.

Other Loan Options

In addition to these popular offerings, we provide personal loans and debt consolidation options tailored to your individual circumstances. If you're interested in business financing solutions, our outstanding commercial loans can help provide the capital needed for growth and expansion. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Members First in Harlingen, we are committed to supporting our members with financial products that fit their needs. Come visit us today and discover how our lending options can help you move forward confidently!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $4,053,196 in unsecured credit card loans already helping members manage their finances effectively, you can enjoy the convenience of having access to funds when you need them most without tying up your assets.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. This means you can trust that the rates you see are not only competitive but also come from reputable sources. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results, so you can make informed choices without hidden influences. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions are available at your fingertips. This feature helps users quickly find the best options for their specific 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 how LendMesh empowers borrowers with valuable insights and tools. 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.

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 strict adherence to regulatory guidelines guarantees fair and transparent offers, allowing users to trust the information presented.

Members First