Members Heritage Credit Union Lexington KY | Affordable Auto Loans & Business Banking

Introduction

Welcome to Members Heritage, your trusted partner in financial growth and community support, located at 440 Park Pl, Lexington, KY 40511. Since opening our doors in 1960, we have dedicated ourselves to providing exceptional service and a range of financial products tailored to meet the unique needs of our 54,348 members. With total assets of $537,064,930 and total deposits reaching $101,073,682, we are proud to be a cornerstone of financial well-being in our community. At Members Heritage, we understand that financial journeys are personal. That's why we offer everything from checking and savings accounts to auto loans and mortgage refinancing. Our commitment is not just to your finances but also to enhancing the quality of life for our members and their families. Under the leadership of our CEO, Pat Ferry, and Board President, Mike Proctor, we strive for excellence every day. Together with our team of 88 employees, we focus on creating meaningful relationships that foster trust and reliability. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be directed to the same address: 440 Park Pl, Lexington, KY 40511-1829. Whether you're looking to open an account or explore loan options, we're here for you! Feel free to reach out at (859) 259-3466 or browse through our offerings on our website: Members Heritage. Join us today and experience the difference a member-focused credit union can make in your financial journey!

Branch History & Mission

At Members Heritage, we take pride in our rich legacy and commitment to serving the Lexington community. Established in 1960, our branch has been a cornerstone of financial support for nearly six decades. Located at 440 Park Pl, Lexington, KY 40511, we are conveniently situated near local landmarks that make us easily accessible to our members. Over the years, Members Heritage has grown significantly. Today, we proudly serve over 54,000 members and manage total assets exceeding $537 million. Our journey began with a simple mission: to provide financial services that empower individuals and families in our community. As we have evolved, so has our commitment to not just meeting financial needs but also enriching the lives of those we serve. Our mission is clear Members Heritage is dedicated to offering reliable banking solutions while fostering a spirit of community support. We believe that financial well-being goes hand in hand with community engagement. This is why we actively participate in local outreach initiatives and collaborate with various organizations to uplift those around us. While members can visit us at 440 Park Pl for their banking needs, official correspondence should be sent to our mailing address: 440 Park Pl, Lexington, KY 40511-1829. We understand that convenience matters; that's why we offer a range of services including ATM access and drive-thru banking options. Our operating hours are designed to accommodate your busy schedule Monday through Thursday from 8 AM to 5 PM, Friday until 6 PM, and Saturday mornings for drive-thru service. Members Heritage embraces technology as part of our customer-centric approach. With online banking and mobile applications available, managing your finances is easier than ever before. Whether you're seeking personal loans or business banking solutions, we're here to help you navigate your financial journey. As we look towards the future, our commitment remains steadfast: to provide exceptional service and foster strong relationships within our community. We invite you to join us at Members Heritage and experience firsthand the benefits of being part of a credit union that truly cares about its members. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility and Parking

At Members Heritage, we prioritize your convenience. Our branch features ample parking space, making it easy for you to stop by without the hassle. For those needing extra assistance, our facility is fully ADA compliant with ramps and accessible entrances, ensuring everyone can enjoy our services comfortably.

Get in Touch

If you have questions or need assistance, don't hesitate to reach out! Give us a call at 859-259-3466. We look forward to welcoming you in person at Members Heritage! Come visit us today and discover how we can help you achieve your financial goals!

Operating Hours

We understand that your time is valuable. That's why our lobby is open Monday through Thursday from 8 AM to 5 PM and extends its hours until 6 PM on Fridays. On Saturdays, our drive-thru service operates from 9 AM to 12 PM perfect for those weekend errands!

Services Available

Members Heritage offers a wide range of services tailored just for you. Whether you're looking for personal banking solutions like checking and savings accounts, auto loans, or mortgage refinancing, we've got you covered. Plus, with an ATM available on-site and basic drive-thru banking for quick deposits and withdrawals, managing your finances has never been easier. While members can visit us at 440 Park Pl for all their banking needs, official correspondence should be sent to the same address as we ensure prompt handling of any queries or requests.

Member Eligibility

At Members Heritage, we believe that becoming a member is like joining a close-knit community where your financial well-being is our priority. If you're looking to open an account, you'll be pleased to know that eligibility is quite straightforward! We welcome anyone who lives, works, worships, or attends school in the area around 440 Park Pl Lexington Ky 40511. This means that whether you're new to the neighborhood or have been here for years, you're likely already eligible to join us. Membership comes with wonderful benefits, such as personalized service and access to a wide range of financial products tailored just for you. Ready to take the next step? Opening your account is easy! You can find all the details on how to get started by visiting our website at https://mhcu.financialhost.org/user-login. If you have any questions or need assistance, don't hesitate to give us a call at (859) 259-3466. For more information about membership eligibility, check out our detailed criteria at https://www.membersheritage.org/benefits-of-membership. We're excited to welcome you into the Members Heritage family!

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 $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

In addition to loans, we offer robust merchant services that simplify payment processing. Imagine being able to accept payments from customers easily and efficiently whether they are using credit cards, mobile payments, or online transactions. These services not only enhance customer satisfaction but also help streamline your daily operations. Visit us at 440 Park Pl, Lexington, KY 40511, or call us at 859-259-3466 to learn more about how our business banking and commercial services can help your business thrive!

Comprehensive List Of Services

Business Banking Services

For small business owners in Lexington, we offer tailored solutions through our business banking services, including merchant services and business loans. Our goal is to support local businesses with the financial tools necessary for growth and success.

Connect With Us Today!

With so many options available at Members Heritage, we invite you to explore how we can support your financial goals. If you're ready to take the next step toward better banking experiences or if you have any questions about our services, don't hesitate to reach out! Call us at 859-259-3466 or visit us at 440 Park Pl in Lexington, KY. Let's work together toward a brighter financial future!

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why Members Heritage offers robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. Whether it's checking balances, transferring funds, or paying bills, everything is just a few clicks away. Our commitment extends beyond traditional banking hours with features like ATM access for withdrawals and balance checks whenever you need them. Plus, our basic drive-thru service makes everyday transactions quick and hassle-free.

Financial Support When You Need It

Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation services come into play. We can help you consolidate debts into one manageable payment or provide quick cash when you need it most. Additionally, our credit cards with rewards give you more than just purchasing power; they reward you for spending on the things you already buy! It's a simple way to earn points for travel, merchandise, or cash back while managing your day-to-day expenses.

Personal Banking Solutions

When it comes to personal banking, we understand that every member has unique needs. That's why we offer a variety of checking and savings accounts designed to fit different lifestyles. Imagine having easy access to your funds while also earning interest on your savings this is what we strive for at Members Heritage. For those considering a new vehicle, our auto loans and vehicle financing options make purchasing your dream car easier than ever. We provide competitive rates and flexible terms, allowing you to drive away in style without breaking the bank. If you're looking for a place to call home, our mortgage loans and refinancing options can help you secure the right financing for your next big move. We believe that homeownership should be within reach for everyone in our community.

Digital & Online Banking

Key Features

One of the standout features available is the ability to set up e-statements. This not only helps you stay organized but also reduces paper clutter plus, it's more environmentally friendly! If you're looking for a quick way to send money to friends or family, our person-to-person transfers make it hassle-free. All you need is their email or phone number to get started. For those who prefer using their smartphones, our mobile application makes banking even simpler. Download it today and enjoy all the benefits right at your fingertips! From checking balances to making deposits, everything is just a tap away. Security is paramount in today's digital world, which is why we offer electronic signature authorization for documents requiring your approval. This means you can sign important forms without needing to visit a branch in person saving you time and effort. While we currently don't support mobile payments, rest assured that our services are continually evolving to meet your needs. In summary, Members Heritage provides an accessible and secure online banking experience tailored for your lifestyle. Log in today at https://www.membersheritage.org/ and take control of your financial future!

Financial Strength

Commitment to Growth

With $63,177,639 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 across various sectors, with $7,760 in used auto loans and $371,849,667 in total loans and leases.

Efficient Operations

Our operational efficiency is reflected in our $0, enabling 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 employees ready to assist you with a knowledgeable and committed team.

Growing Membership Base

Total Share Accounts: 73,441, showing a strong and growing member base that trusts us with their finances. This indicates not only stability but also confidence among our members about their financial futures with us. 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 440 Park Pl Lexington Ky 40511 or call (859) 259-3466 to learn more about how we can help you achieve your financial goals.

Secure Savings Options

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. We prioritize our members' needs over traditional banking practices. With non-member deposits at $0, we ensure that our resources focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Foundation

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 $1,236 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 $142,939,535 in used vehicle loans and $50,109,630 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, we have options that can fit your budget.

Credit Lines and Unsecured Credit Cards

If you need extra funds for unexpected expenses or want to consolidate debt, our credit lines offer flexibility and convenience with a total of $48,973,847 available. Additionally, we provide unsecured credit card loans totaling $10,129,694, allowing members to manage their finances effectively with rewarding features and no collateral required. For those considering refinancing options or exploring eligibility requirements for any of our loan products, we encourage you to reach out. Our team is here to assist you in navigating these choices. You can contact us at 859-259-3466 for more information or visit us at our branch located at 440 Park Pl Lexington KY 40511. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you find the right loan that fits your needs today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $57,256,565, ensuring you have access to competitive rates and flexible terms that suit your needs.

Loan Aggregator

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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 displayed are fair and transparent. By focusing on verified lenders, LendMesh ensures that users receive accurate information about their borrowing options.