Members Heritage Credit Union Nicholasville KY | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Members Heritage, your trusted financial partner located at 1039 N Main St, Nicholasville, KY 40356. Since our establishment in 1960, we have been dedicated to serving our community with integrity and care. With a strong membership base of over 54,348 members, we are proud to offer a variety of financial services tailored to meet your needs. At Members Heritage, we believe in making banking accessible and straightforward. Our total assets have grown to an impressive $537,064,930, reflecting our commitment to sound financial practices and responsible lending. Currently, we hold $101,073,682 in deposits from our valued members, ensuring that your hard-earned money is safe and secure with us. Led by our experienced CEO, Pat Ferry, and Board President Mike Proctor, our team of 88 employees is here to provide personalized service every step of the way. Whether you're looking for auto loans or personal banking solutions, you can trust us to guide you through the process with expertise and warmth. While members can visit us at our branch location, official correspondence should be sent to the same address: 1039 N Main St, Nicholasville, KY 40356-2312. We invite you to explore all that we offer on our website at www.membersheritage.org. Join us today as we continue to build strong financial futures together. Give us a call at 859-887-3674 or stop by during our operating hours: Monday through Friday from 9 AM to 5:30 PM, with extended drive-thru hours until 6 PM on Fridays and Saturday hours from 9 AM to 12 PM. We look forward to welcoming you into the Members Heritage family!

Branch History & Mission

Community Engagement

Our branch is not just a place for transactions; it's a hub for community engagement. With convenient operating hours from 9 AM to 5:30 PM Monday through Friday (and drive-thru services until 6 PM on Fridays), we ensure accessibility for all members. We also offer ATM availability for quick access to funds when you need them most. While you can visit us at 1039 N Main St Nicholasville Ky 40356, official correspondence should be sent to 1039 N Main St, Nicholasville, KY 40356-2312 if it differs from our branch address.

Join Us

As we continue this journey together, we invite you to be part of the Members Heritage family. Experience firsthand how we can help you achieve your financial dreams while making a positive impact in Nicholasville. Call us today at (859) 887-3674 or visit us online at Members Heritage for more information on membership benefits and how you can get involved. Together, let's build a brighter future!

Our Mission

At Members Heritage, our mission is clear: we strive to improve the financial well-being of our members while actively contributing to the communities we serve. We believe in offering more than just financial products; we provide guidance and support that help individuals achieve their goals. Our core values emphasize trust, transparency, and community involvement. We take pride in our partnerships with local organizations and schools, participating in outreach efforts that make a real difference in people's lives. Whether it's through financial education workshops or sponsorships of local events, we are dedicated to uplifting those around us.

Our Story

From our humble beginnings in 1960, Members Heritage has evolved significantly. We started with a simple mission: to provide accessible financial services tailored to meet the needs of our members. Over the years, we've expanded our offerings from basic savings accounts to a comprehensive suite of services including auto loans, mortgages, personal loans, and business banking solutions. Our dedication to innovation has allowed us to enhance our services through online banking and mobile applications, ensuring that our members can manage their finances conveniently. Our headquarters in Lexington provides additional support and resources, allowing us to maintain high standards in service delivery while focusing on our local roots. Each milestone we've achieved reflects our commitment to empowering individuals and businesses within our community.

Branch Location & Accessibility

Convenient Location

Our branch sits right on Main Street, making it easy to find. If you're near popular spots like the Nicholasville City Park or the local library, you're just a short drive away from us. We offer ample parking to ensure that your visit starts off hassle-free. Plus, our facility is ADA compliant, featuring ramps and accessible entrances for everyone in our community.

Get In Touch

Have questions? Feel free to call us at 859-887-3674! We're here to help guide you through your banking journey. Whether you're looking for information about opening an account or want assistance with a loan application, don't hesitate to reach out. We look forward to welcoming you into our Members Heritage family!

Operating Hours

We understand that life can get busy, so we strive to accommodate your schedule. Our lobby hours are from 9 AM to 5:30 PM Monday through Friday. If you prefer the drive-thru option, we extend those hours until 6 PM on Fridays and are open from 9 AM to noon on Saturdays. This way, you can choose what works best for you!

Services Offered

At Members Heritage, we provide a range of services tailored to meet your financial needs from personal banking options like checking and savings accounts to auto loans and mortgages. Need cash? We have an ATM available for quick withdrawals and balance checks right at the branch. Our friendly staff is always ready to help with any questions you may have about our services. While members can visit us at 1039 N Main St Nicholasville Ky 40356, official correspondence should be sent to 1039 N Main St, Nicholasville, KY 40356-2312 if it differs from our branch address.

Member Eligibility

At Members Heritage, we believe that everyone deserves a place in our supportive community. Becoming a member is simple and welcoming if you live, work, or worship in the area, you're likely eligible to join us! We're here to offer you personalized financial services that truly cater to your needs, whether it's for personal banking, loans, or other financial products. Our friendly team is ready to help you every step of the way. To check if you meet all the eligibility criteria, please visit our detailed page at https://www.membersheritage.org/benefits-of-membership. Once you're ready to join us, opening an account is just a click away through this link: https://mhcu.financialhost.org/user-login. If you have any questions or need assistance, don't hesitate to call us at (859) 887-3674. We can't wait for you to experience the benefits of being part of the Members Heritage family!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer comprehensive merchant services that help streamline your operations. Imagine easily processing transactions while managing inventory right from your smartphone or tablet. Our solutions not only enhance customer experiences but also simplify your daily tasks, allowing you more time to focus on what really matters growing your business. Visit us at 1039 N Main St Nicholasville Ky 40356 in Nicholasville, KY, or call us at (859) 887-3674 to learn how we can help your business thrive. Your success is our priority!

Tailored Business Loans

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.

Comprehensive List Of Services

Business Banking Services

For our business members, we offer essential banking services including merchant services and business loans tailored to help your enterprise thrive. We understand the challenges businesses face, which is why we're committed to providing the resources necessary for growth and success.

Convenient Access & Support

Accessing your accounts has never been easier! With ATM services available for cash withdrawals and balance checks, along with basic drive-thru banking for deposits and simple transactions, you'll find that handling your finances is straightforward. Our branch's operating hours are convenient too open from 9 AM to 5:30 PM on weekdays with extended drive-thru hours until 6 PM on Fridays and limited service on Saturdays. If you have any questions or need assistance, don't hesitate to reach out at (859) 887-3674. Our friendly staff is here to help you navigate all the services we provide. At Members Heritage, we pride ourselves on being more than just a financial institution; we're a partner in your financial well-being. Explore all the services available at Nicholasville Branch today! Visit us at 1039 N Main St Nicholasville Ky 40356 or check out our website for more information about how we can assist you on your financial journey.

Lending Options

When it comes to financing, Members Heritage stands ready to assist you with auto loans and vehicle financing that make buying your dream car a reality. If you're considering home ownership or refinancing an existing mortgage, our mortgage loans are designed to fit various budgets and circumstances. Additionally, personal loans for debt consolidation can help simplify your finances by combining multiple payments into one manageable monthly bill.

Personal Banking Solutions

Starting with personal banking, we offer a variety of options including checking and savings accounts that cater to your day-to-day financial needs. Imagine easily managing your money with online and mobile banking features that allow you to check your balance, transfer funds, and pay bills right from your phone. We also provide credit cards with rewards that can help you earn benefits on everyday purchases.

Digital & Online Banking

Key Features

For those who value efficiency, we offer electronic signature authorization, allowing you to sign documents digitally no more printing and scanning! Plus, with e-statements available, you can receive your account statements electronically, reducing paper clutter while keeping everything organized. If you're looking to send money quickly to friends or family, our person-to-person transfer feature has got you covered. It's a simple way to share expenses or send gifts without needing cash. And for mobile users, our dedicated mobile application gives you access to all these features right at your fingertips. While using our services, rest assured that security is a top priority. We employ the latest technology to keep your information safe so that you can bank with peace of mind. In today's fast-paced world, being able to manage your finances on the go is essential. With our digital and online banking options at Members Heritage, you're always just a click away from financial management that works for you. Experience the convenience today!

Financial Strength

Growing Membership Base

Total Share Accounts stand at an impressive 73,441, showing a strong and growing member base that trusts us with their finances. Our commitment to you means that whether you're saving for the future or looking to borrow for your next vehicle or home improvement project, we're here to support you every step of the way. 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 1039 N Main St Nicholasville Ky 40356 or call 859-887-3674 to learn more about how we can help you achieve your financial goals.

Member Savings Securement

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.

Operational Efficiency

Our operational efficiency is reflected in our current net income of $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We 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 and committed team.

Reinvestment for Improvement

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 with $7,760 in used auto loans and a total of $371,849,667 in loans and leases.

Strong Financial Health

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.

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 vehicle or finding the perfect used option, we have flexible terms to suit your needs.

Credit Lines and Unsecured Credit Card Loans

For those looking for flexibility in managing expenses, we offer credit lines totaling $48,973,847. Additionally, our unsecured credit card loans amounting to $10,129,694 provide members with easy access to funds for everyday purchases or unexpected expenses. We also ensure that our terms are manageable and tailored to fit your financial situation. If you're considering refinancing any of these loans or want to learn about eligibility options for our products, please don't hesitate to reach out. You can contact us at (859) 887-3674 for personalized assistance. 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 Heritage, we're dedicated to helping our members navigate their financial journeys with confidence and ease.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $57,256,565, ensuring you have access to the funds needed for your dream home or investment property.

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), ensuring fair and transparent offers. This commitment to accuracy means users can trust that they are seeing reliable information when comparing loan options.