Members Heritage Credit Union Lexington KY | Best Auto Loans & Mortgage Refinancing

Introduction

Welcome to Members Heritage, your trusted financial partner located at 2420 Members Way, Lexington, KY 40504. Established in 1960, our credit union has proudly served over 54,348 members, helping them achieve their financial dreams and goals. With total assets of $537,064,930 and a strong commitment to our community, we are dedicated to providing personalized banking solutions tailored to your needs. At Members Heritage, we understand that every member's journey is unique. That's why we offer a variety of services including checking and savings accounts, auto loans, mortgage options, personal loans, and even business banking solutions. Our goal is to make banking accessible and straightforward for everyone in the Lexington area. While members can visit us at our branch for all their financial needs, official correspondence should be sent to the same address: 2420 Members Way, Lexington, KY 40504. As you explore our offerings on our website www.membersheritage.org, you'll find valuable resources designed to enhance your financial literacy. Under the leadership of CEO Pat Ferry and Board President Mike Proctor, our team of 88 employees works tirelessly to ensure that each member receives exceptional service. With a net worth of $66,501,496 and cash in hand amounting to $4,594,709, you can trust that your money is in safe hands. We invite you to experience the difference that a member-focused credit union can make in your life. For any inquiries or assistance, feel free to give us a call at (859) 259-3466. Join us at Members Heritage where you're more than just a number; you're part of our family!

Branch History & Mission

Welcome to Members Heritage, a beacon of financial support in Lexington, KY. Established in 1960, our branch at 2420 Members Way has grown from a small credit union to a vital community resource, serving over 54,000 members and holding total assets of $537,064,930. With deep roots in this community, we have dedicated ourselves to not just banking but building lasting relationships. Our journey began over six decades ago with the mission to provide accessible and affordable financial services tailored to the needs of our members. As we evolved, we've remained committed to empowering individuals and families through personal banking solutions including checking and savings accounts, auto loans, mortgages, and credit cards that offer rewards. We are proud of our ability to adapt and innovate while maintaining our core values. Members Heritage believes that banking should be more than just transactions; it should foster community growth and personal well-being. Our mission is centered around providing financial education and support to help our members achieve their goals. From first-time homebuyers to local businesses seeking loans, we are here every step of the way. While you can visit us at our branch address 2420 Members Way in Lexington you can also reach out via phone at 859-259-3466 for any inquiries. If you need to send official correspondence, please use our mailing address: 2420 Members Way, Lexington, KY 40504. At Members Heritage, we understand the importance of convenience. That's why we offer a range of services designed for your needs: from online banking and mobile applications to ATM access and drive-thru banking services available until 6 PM on Fridays and until noon on Saturdays. We strive to ensure that all members have easy access to their finances while maintaining compliance with ADA standards. Our commitment extends beyond financial products; we actively engage with the community through partnerships and outreach programs that make a real impact. Whether sponsoring local events or supporting charitable initiatives, Members Heritage is dedicated to giving back to the Lexington area. Join us at Members Heritage today! Experience a credit union that genuinely cares about its members and works tirelessly for your financial success. Explore membership benefits here or open an account today. Together, let's build a brighter financial future!

Branch Location & Accessibility

Getting Here

Parking at our branch is hassle-free, so you can pop in without any worries. We also prioritize accessibility for all members, featuring ADA-compliant ramps and entrances to ensure everyone can visit us comfortably. If you prefer not to come inside, we've got you covered with a convenient drive-thru service available until 6 PM on weekdays and until noon on Saturdays.

Operating Hours

We're here for you during the week from 8 AM to 5 PM, extending our hours to 6 PM on Fridays for added convenience. Our drive-thru offers service on Saturdays from 9 AM to noon, making it easy to manage your banking needs even on weekends.

Reach Out Anytime

Have questions? Don't hesitate to call us at 859-259-3466. Our friendly team is always ready to assist you with any inquiries or services you may need. While you can visit us at 2420 Members Way for all your banking needs, official correspondence should be sent to the same address. We look forward to welcoming you soon at Members Heritage! Your community credit union is here for you every step of the way.

Services Offered

At Members Heritage, we provide a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we aim to make your financial journey as smooth as possible. Plus, enjoy easy access to ATMs right here at our branch whenever you need cash or want to check your balance.

Member Eligibility

At Members Heritage, we believe that everyone deserves a chance to be part of a supportive and thriving community. Becoming a member is simple and welcoming! If you live, work, or worship in the area or have family who are already members, you're likely eligible to join us. We are dedicated to providing our members with valuable resources like competitive rates on loans and a range of financial services designed just for you. To check all the specific eligibility criteria, feel free to visit our website at https://www.membersheritage.org/benefits-of-membership. Opening an account with us is just as easy! You can get started right away by visiting https://mhcu.financialhost.org/user-login. Should you have any questions along the way, don't hesitate to give us a call at (859) 259-3466. We're here to help you every step of the way on your journey toward financial success at Members Heritage, located at 2420 Members Way Lexington Ky 40504. Join us today and experience the difference!

Business Banking & Commercial Services

Loan Options for Every Business

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $5 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $68 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $194,302, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Work

Imagine being able to process payments effortlessly while keeping track of your sales in real time. Our merchant services allow you to accept various payment methods, making transactions smooth for both you and your customers. This means less hassle and more time focusing on what you do best running your business. Ready to take your business to the next level? Visit us at 2420 Members Way Lexington Ky 40504 in Lexington, KY, or call us at (859) 259-3466 to learn more about how our business banking and commercial services can support your goals!

Comprehensive List Of Services

Business Banking Support

If you're a business owner, we haven't forgotten about you! Our business banking services include merchant services and business loans that cater specifically to your entrepreneurial needs. We know how important it is to keep operations running smoothly while managing cash flow effectively.

Convenient Access Options

At Members Heritage, we prioritize convenience. Our branch features basic drive-thru banking for quick deposits and withdrawals. Need cash? Our ATM services allow you to make withdrawals and check balances without having to step inside the branch. Whether it's during regular hours or on weekends when our drive-thru is open Saturday mornings, accessing your finances has never been easier.

Join Us Today!

With all these services available under one roof, Members Heritage is here to help you succeed financially. If you'd like more information or wish to discuss how we can assist you further, don't hesitate to call us at 859-259-3466. Explore everything we have to offer by visiting our website at membersheritage.org. We're excited to be part of your financial journey!

Loans for Every Need

Need a new car? Our auto loans and vehicle financing options make it easy to get behind the wheel without breaking the bank. If you're considering buying a home or refinancing your current mortgage, we offer competitive mortgage loans that can help you achieve your dream of homeownership. For those unexpected expenses or larger purchases, our personal loans and debt consolidation services provide a flexible solution tailored just for you. Plus, with credit cards that come with rewards, you can earn benefits on everyday purchases!

Personal Banking Solutions

We understand that managing your money is essential. That's why our personal banking options include checking and savings accounts designed to help you save for the future while enjoying easy access to your funds. Imagine being able to track your spending effortlessly through our online and mobile banking platforms. You can check your balance, transfer funds, and pay bills right from your smartphone or computer.

Digital & Online Banking

Key Features

One standout feature is our electronic signature authorization, which simplifies the process of signing documents. You won't have to worry about printing or mailing anything just sign electronically and you're done! Additionally, e-statements are available for those who prefer a paperless option. This means you can view your statements anytime without cluttering your mailbox. For members who love the convenience of mobile banking, we offer a dedicated mobile application that allows you to manage your finances on the go. You can even send money directly to friends or family through our person-to-person transfer feature. It's quick and secure, making it easy to share expenses or settle up after a night out.

Security and Accessibility

Your security is our priority. Our online banking services include robust security measures to protect your information while providing you with real-time account management. With features like two-factor authentication and secure login options, you can feel confident that your financial data is safe. In short, Members Heritage is committed to providing accessible and efficient digital banking solutions that cater to all your needs. Experience the ease of managing your finances today visit us at https://www.membersheritage.org/!

Financial Strength

At Members Heritage, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. Located at 2420 Members Way, Lexington, KY 40504, we are dedicated to providing you with the reliable services you deserve. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With a net worth of $66,501,496, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1236 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 $137,893,964 in share certificates and $51,903,775 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $63,177,639 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors with $7,760 in used auto loans and an impressive $371,849,667 in total loans and leases. Our operational efficiency is reflected in our net income of $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 87 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable team. Total Share and Deposit Accounts stand strong at 73,441, showing a robust 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 Heritage is your trusted partner. Visit us at 2420 Members Way or call us at 859-259-3466 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $142,939,535 in used vehicle loans and $50,109,630 in new vehicle loans already helping members get on the road. We have issued a total of 18,767 loans, assisting thousands of members in achieving their financial goals.

Credit Lines and Unsecured Loans

In addition to auto and mortgage loans, we also provide flexible terms on unsecured credit card loans. With a total of $10,129,694 in unsecured credit card loans available, we help our members manage their finances effectively. If you're considering a credit line for personal or business use, we offer options totaling $48,973,847, ensuring you can find the right fit for your needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $57,256,565. We make buying or refinancing simple and accessible for all members.

Refinancing Options

If you're looking to refinance any existing loans or explore eligibility options, our team is here to guide you through the process. We prioritize making financing easy and transparent so that you can focus on what truly matters. For more information about our loan offerings or to discuss how we can assist you further, feel free to reach out at 859-259-3466 or visit us at 2420 Members Way, Lexington KY 40504. 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 Aggregator

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