Members First Credit Union Providence UT | Affordable Auto Loans & ATM Services

Introduction

Welcome to Members First, your trusted partner in financial services, located at 49 N Highway 165, Providence, UT 84332. Since our establishment in 1958, we have proudly served our community with dedication and integrity. With over 13,847 members and total assets exceeding $182,230,254, we are committed to empowering individuals and families through personalized financial solutions. At Members First, we understand that every member has unique needs. That's why we offer a range of services tailored just for you whether it's checking and savings accounts, auto loans, or mortgage refinancing. Our dedicated team of 39 employees, led by our CEO Darryn Hodgson and Board President Clyde Wohlgemuth, is here to provide the support you need every step of the way. While you can visit us at our branch location for all your banking needs, please note that any official correspondence should be directed to our mailing address at 120 E 1000 S, Brigham City, UT 84302. With total deposits of $16,926,898 and an impressive net worth of $25,049,938, Members First stands strong as a pillar of financial stability in the Providence area. Our commitment goes beyond numbers; it's about building relationships and supporting our members' goals. We invite you to explore what Members First can do for you. Call us today at 435-723-5231 or visit our website at https://www.memfirstcu.com to learn more about how we can help you achieve your financial dreams. Your future starts here!

Branch History & Mission

At Members First, we take pride in our rich history and unwavering commitment to our community. Established in 1958, our branch located at 49 N Highway 165, Providence, UT 84332 has been a cornerstone for financial support and community connection for over six decades. We have grown alongside our members, expanding from humble beginnings to a thriving institution with a total membership of 13,847 and assets amounting to an impressive $182,230,254. Our mission is simple yet profound: to provide exceptional financial services while fostering community engagement. We believe that banking should be more than just transactions; it should empower individuals and families to achieve their dreams. Whether it's through personal banking solutions like checking and savings accounts or lending options such as auto loans and mortgages, we are here to serve the diverse needs of our members. Over the years, we have embraced technology to enhance your banking experience. Our digital advancements include online banking and mobile payment options, ensuring you can manage your finances easily and securely from anywhere. We also prioritize accessibility by offering ADA-compliant services that cater to all members of our community. While members can visit us at 49 N Highway 165, official correspondence should be sent to 120 E 1000 S, Brigham City, UT 84302. Our branch provides convenient operating hours from 9 AM to 6 PM Monday through Thursday, and until 2 PM on Saturdays for your convenience. We also offer ATM access and drive-thru banking services for quick transactions. As part of our commitment to giving back, Members First actively engages in local partnerships and outreach initiatives. We believe that supporting our community helps us grow together strengthening the bonds between us and enriching the lives of those we serve. Join us today and experience the difference that a member-focused credit union can make in your life. At Members First, you're not just a number; you're part of a family dedicated to your financial well-being. Visit us or call us at 435-723-5231 to learn more about how we can help you achieve your financial goals!

Branch Location & Accessibility

Accessibility and Features

At Members First, we understand that accessibility matters. Our branch is equipped with ADA-compliant features to ensure everyone can bank with ease. We offer ample parking right outside, making it simple for you to come in and see us. If you prefer not to enter the branch, take advantage of our convenient drive-thru service for quick transactions like deposits and withdrawals.

Call to Action

We invite you to come visit us at Members First! If you have any questions or need further assistance before your visit, feel free to call us at 435-723-5231. Your financial journey starts here let's make it a great one together!

Operating Hours

We want to make banking as easy as possible for you. Our lobby hours are Monday through Thursday from 9 AM to 6 PM, and on Saturdays, our drive-thru is open from 9 AM until 2 PM. Whether you need assistance during the week or a quick stop on Saturday, we've got you covered!

Services Offered

At Members First, we provide a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgages, we're committed to helping you achieve your financial goals. Plus, enjoy the convenience of online and mobile banking anytime you need it! Our shared service center allows members of partner credit unions to access basic banking services as well.

Member Eligibility

At Members First, we believe that joining our community is about more than just banking it's about becoming part of a family that supports one another. If you're looking to become a member, you'll be happy to know that eligibility is open to anyone who lives, works, or worships in our local area. We're here for everyone, and we welcome all who share our values of community and cooperation. For a detailed look at the specific criteria, you can check out our eligibility guidelines at . Getting started is simple! Just visit us at our branch located at 49 N Highway 165 Providence Ut 84332, or give us a call at (435) 723-5231 to ask any questions you may have. We're excited to help you open an account and enjoy the many benefits of membership at Members First, where your financial well-being comes first.

Business Banking & Commercial Services

At Members First, we understand that every business has unique needs and aspirations. Whether you're a small startup or a growing enterprise, our business banking solutions are designed to help you thrive in today's competitive landscape. Imagine having the financial support you need to take your business to the next level. 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. Additionally, our merchant services streamline payment processing, enabling you to focus on what truly matters growing your business. From credit card acceptance to mobile payments, we provide the tools necessary for seamless transactions, allowing you to serve your customers better. Visit us at 49 N Highway 165 Providence Ut 84332 in Providence, UT or call us at (435) 723-5231 to learn how we can partner with you on your journey toward success!

Comprehensive List Of Services

Additional Services

We also provide basic shared branch transactions for members of partner credit unions, making it easier for you to access funds when traveling or away from home. No matter where life takes you, know that Members First is just a few clicks or a short drive away. To learn more about how we can assist you with all your financial needs at Members First, feel free to reach out! Contact us at 435-723-5231 or stop by our branch in Providence today! We look forward to serving you!

Business Banking Services

At Members First, we also cater to local businesses with specialized services. Our business banking solutions include essential tools like merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're here to support your business goals.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking platforms that allow you to manage your accounts anytime, anywhere. You can pay bills, transfer money between accounts, and even make person-to-person payments with ease. For cash withdrawals and deposits, our ATM services are readily available for your convenience. If you prefer face-to-face transactions but need quick service, our drive-thru banking ensures that you can complete simple transactions without leaving your car.

Personal Banking Solutions

We understand that everyone has unique financial goals. That's why our personal banking services include checking and savings accounts tailored to fit your lifestyle. Whether you're saving for a dream vacation or managing day-to-day expenses, our accounts offer competitive rates and easy access. If you're thinking about purchasing a new car, our auto loans and vehicle financing options can help you hit the road without breaking the bank. We offer flexible terms and competitive rates to make your journey smoother. For those looking to buy a home or refinance an existing mortgage, our mortgage loans come with guidance every step of the way. Additionally, if unexpected expenses arise or you're looking to consolidate debt, our personal loans provide quick access to funds when you need them most. Plus, with our credit cards that offer rewards, you can earn while you spend!

Digital & Online Banking

Convenient Payment Options

For those who love convenience, our mobile payments feature lets you make purchases directly from your smartphone without needing to carry cash or cards. You can even send money quickly with our person-to-person transfers perfect for splitting bills or sending a gift to a friend. Your security is our priority. We use advanced security measures to protect your personal information and transactions, giving you peace of mind while you bank online. Whether you're at home or out running errands, feel confident knowing that your finances are secure. In summary, Members First is committed to providing accessible, user-friendly digital banking solutions that empower you to manage your money effectively. Visit us today at https://www.memfirstcu.com/ and discover how easy banking can be!

Key Features of Our Digital Banking

With our 24/7 online banking services available at https://www.memfirstcu.com/, managing your accounts has never been easier. You can check balances, transfer funds, and pay bills from the comfort of your home or on the go. Our mobile application allows you to carry all these features right in your pocket, making it simple to handle your banking whenever it suits you. We also offer e-statements, allowing you to view and manage your financial statements digitally. This eco-friendly option not only helps you stay organized but also ensures that your information is readily accessible whenever you need it. Plus, with electronic signature authorization, signing documents is quick and hassle-free no more waiting for paperwork to be mailed back and forth.

Financial Strength

Growing Membership Base

Total Share and Deposit Accounts: 31,961, showing a strong and growing member base that trusts us with their finances. The funds available for lending and investments stand at $8,737,189, further highlighting our commitment to supporting our community's needs. 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 49 N Highway 165 Providence Ut 84332 or call 435-723-5231 to learn more about how we can help you achieve your financial goals.

Member Savings and Investments

Members' savings are secured through $39,434,600 in share certificates and $34,443,820 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $37, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our net income of $2,573,716 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 27 full-time employees and 12 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting in Our Community

With $11,376,222 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 $31,125 in used auto loans and a total of $94,460,821 in loans and leases.

Solid Financial Health

With a net worth of $25,049,938, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 13.75% 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

At Members First, we understand that financing your goals can sometimes be a challenge. That's why we offer a variety of loan products designed to meet the diverse needs of our members. Whether you're looking to purchase a vehicle, refinance your mortgage, or manage everyday expenses, we have options that can help. With over 9208 loans issued, we've helped thousands of members achieve their financial goals. Our auto loans stand out in particular; looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $45,184,272 in used vehicle loans and $8,118,289 in new vehicle loans already helping members get on the road. For those considering homeownership, our mortgage options make buying or refinancing straightforward. We currently have Junior Lien 1-4 Family Residential Property loans totaling $9,685,738, which simplify the process for first-time buyers and seasoned homeowners alike. If you're managing personal finances or unexpected expenses, our unsecured credit card loans provide flexibility. With a total of $5,320,591 in unsecured credit card loans available to our members, you can take control of your spending without unnecessary stress. Additionally, for those who may require a line of credit for larger purchases or emergencies, we offer credit lines totaling $7,500,000. This allows you to access funds as needed while keeping your monthly payments manageable. We also want to remind you that if you're interested in refinancing any existing loans or checking your eligibility for different loan products, our team is here to assist you every step of the way. Feel free to reach out to us at (435) 723-5231, or visit us at our branch located at 49 N Highway 165 Providence UT 84332. For more information about all our services and how we can help you achieve your financial aspirations, check out our website at Members First. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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