Members Heritage Credit Union Winchester KY | Top Auto Loans & Business Banking

Introduction

Welcome to Members Heritage! Located at 339 Shoppers Dr, Winchester, KY 40391, we are proud to serve our community since 1960. With a strong commitment to our members, we have grown to support over 54,348 individuals and families in achieving their financial goals. At Members Heritage, our total assets stand at an impressive $537,064,930, showcasing our stability and dedication to providing exceptional service. We offer a variety of financial products including personal banking solutions, auto loans, mortgage options, and business services tailored to meet your needs. Our total deposits currently reach $101,073,682, reflecting the trust our members place in us. Our leadership team is here to guide you every step of the way. Under the direction of CEO Pat Ferry and Board President Mike Proctor, we aim to foster a welcoming environment where every member feels valued. Whether you need assistance with loans where we currently manage over 18,767 loans or simply want to inquire about our services, our team is here for you. While members can visit us at the branch for face-to-face service, official correspondence should be sent to our mailing address: 339 Shoppers Dr, Winchester, KY 40391-1379. If you have any questions or would like more information about how we can assist you today, please feel free to reach out at (859) 737-3671. We invite you to explore all that Members Heritage has to offer by visiting our website at https://www.membersheritage.org. Join us as we continue to strengthen our community through financial empowerment!

Branch History & Mission

Community-Centric Approach

While members can visit us at 339 Shoppers Dr, official correspondence should be sent to 339 Shoppers Dr, Winchester, KY 40391-1379 if necessary. Our convenient location is close to various local landmarks, making it easy for you to stop by for your banking needs. We offer a full range of services including online and mobile banking for those who prefer digital access. Our drive-thru service allows you to conduct simple transactions efficiently while our ATM availability ensures you can access your funds whenever you need them.

Join Us

As we look towards the future, we invite you to become part of the Members Heritage family. Experience firsthand how we prioritize our members' financial well-being and community involvement. If you're interested in joining us or learning more about what we offer, please reach out at 859-737-3671 or visit our website at Members Heritage. Together, let's build a brighter future for all!

Our Mission

At Members Heritage, our mission is clear: we strive to provide exceptional financial services while fostering a supportive community environment. We believe that everyone deserves access to quality banking options that empower them to achieve their dreams. Whether it's through personal banking solutions like checking and savings accounts or auto loans and mortgages, we are here to guide our members every step of the way. We understand that banking goes beyond just transactions; it's about building relationships. Our team is dedicated to offering personalized service that meets the unique needs of each member. Our commitment extends beyond our branch walls; we actively engage in community outreach efforts, partnering with local organizations to support initiatives that make a difference in people's lives.

Branch Location & Accessibility

Welcome to the Members Heritage Winchester Branch, your local financial partner conveniently located at 339 Shoppers Dr, Winchester, KY 40391. Nestled in the heart of Clark County, our branch is easily accessible and surrounded by familiar landmarks that make banking a breeze. Whether you're stopping by after shopping at nearby retail stores or just passing through town, we are here to serve you. Our branch is designed with your comfort in mind. Parking is readily available, ensuring you have a hassle-free visit. We are also proud to be ADA compliant, with features like ramps and accessible entrances to accommodate all members of our community. At Members Heritage, we understand that your time is valuable. That's why we offer flexible operating hours for your convenience. Our lobby is open Monday through Friday from 9:00 AM to 5:30 PM. If you're looking for extended service, our Drive-Thru remains open until 6:00 PM on Fridays and operates from 9:00 AM to 12:00 PM on Saturdays. Should you need assistance or have questions about our services ranging from personal banking solutions like checking and savings accounts to auto loans and credit cards with rewards feel free to call us at 859-737-3671. We're here to help you navigate your financial journey. While members can visit us at our branch address for all banking needs, official correspondence should be sent to the same address: 339 Shoppers Dr, Winchester, KY 40391-1379. We invite you to come in and experience the friendly service that makes Members Heritage a trusted choice for so many. Stop by today or give us a call; we look forward to serving you!

Member Eligibility

At Members Heritage, we believe that joining our community is more than just opening an account; it's about becoming part of a supportive network that cares about your financial well-being. If you're curious about how to become a member, you'll find that the process is both easy and welcoming. Generally, eligibility includes individuals who live, work, or attend school in the area, as well as their family members. This means that whether you're a long-time resident of Winchester or just starting your journey here, there's a place for you with us. To learn more about specific eligibility criteria, feel free to visit our dedicated page at https://www.membersheritage.org/benefits-of-membership. Once you've confirmed your eligibility, opening an account at Members Heritage is straightforward! You can take the first step towards enjoying all the benefits we offer by visiting us online at https://mhcu.financialhost.org/user-login or giving us a call at (859) 737-3671. We're excited to welcome you to our community at 339 Shoppers Dr, Winchester, KY 40391!

Business Banking & Commercial Services

Member and Non-Member Commercial 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.

Merchant Services

Managing payments shouldn't slow down your business. Our merchant services simplify transactions, allowing you to accept payments easily and securely. Imagine serving more customers without the hassle of complex payment systems. With our solutions, you can focus on what truly matters growing your business. Located at 339 Shoppers Dr Winchester Ky 40391 in Winchester, KY, we invite you to explore how our tailored financial products can support your entrepreneurial journey. Contact us today at (859) 737-3671 to learn more!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

With an ATM available on-site and easy access for cash withdrawals, managing your cash flow has never been easier. Check balances or withdraw money without the hassle of long lines. At Members Heritage in Winchester, KY, we're proud to offer these comprehensive services designed around what matters most to you. Our friendly team is ready to assist with any questions or concerns you might have regarding our offerings. If you're interested in learning more about how we can help meet your financial needs or if you'd like to open an account today, don't hesitate to call us at 859-737-3671 or visit us online at www.membersheritage.org. Let's work together towards achieving your financial goals!

Auto Loans & Vehicle Financing

Need a new car? Our auto loans and vehicle financing options make purchasing your dream vehicle simpler than ever. With competitive rates and flexible terms, we ensure that financing is accessible for everyone. Picture yourself driving off in a new car with affordable monthly payments that fit comfortably into your budget.

Business Banking

If you're a business owner, we haven't forgotten about you! Our business banking services include merchant services and business loans tailored to meet the unique needs of small businesses. From cash flow management to securing funds for expansion, we are here to support your entrepreneurial journey.

Credit Cards with Rewards

Our credit cards with rewards offer more than just a way to make purchases; they give back! Earn points on every dollar spent that can be redeemed for travel, merchandise, or cash back. Using our card not only helps you manage expenses but also rewards you for everyday purchases.

Mortgage Loans & Refinancing

For those considering homeownership or wanting to refinance an existing mortgage, our mortgage loans provide competitive rates and personalized service. We guide you through the process, making it less daunting while helping you secure the best possible deal for your future home.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options so you can manage your accounts anytime, anywhere. Whether you're checking balances on-the-go or transferring funds between accounts at home, our digital tools are designed for your comfort.

Personal Banking

Starting with our personal banking services, we offer checking and savings accounts that fit various lifestyles. Imagine easily accessing your money through online banking or a quick visit to our drive-thru for deposits and withdrawals. Our checking accounts come with no monthly fees and easy access to your funds whenever you need them. If you're looking to grow your savings, our high-interest savings accounts can help you achieve your financial goals faster.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. That's where our personal loans come in handy. They can be used for anything from unexpected medical bills to home improvements or even debt consolidation. Imagine simplifying your finances by combining multiple debts into one manageable payment.

Digital & Online Banking

Key Features

Our online banking platform provides everything you need for easy account management. You can view your balances, make transfers, and pay bills with just a few clicks. Plus, if you're looking for quick ways to send money to friends or family, our person-to-person transfer feature makes it effortless. For those who prefer using their mobile devices, our user-friendly mobile application is available for download. It offers all the essential features right at your fingertips! Whether you're checking transactions or depositing checks remotely, you'll find it easy to stay connected to your accounts.

Security and Accessibility

Your security is our top priority. With electronic signature authorization available at Members Heritage, you can sign documents electronically without the hassle of printing and mailing them. Additionally, we offer e-statements so you can keep track of your financial activity securely and conveniently. We know life is busy, which is why our services are designed for accessibility. You can access your accounts whenever you need them day or night. Our goal is to provide you with a smooth and secure banking experience that fits seamlessly into your daily routine. In short, whether you're managing everyday expenses or planning for the future, Members Heritage has the digital tools to help you succeed financially. Experience the convenience of modern banking today!

Financial Strength

Growing Membership Base

We have achieved a significant milestone with 73,441 total share accounts, showcasing a strong and growing 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 339 Shoppers Dr Winchester Ky 40391 or call 859-737-3671 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

Member-Centric Resources

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 financial performance; currently reporting $0 in net income allows us to focus on delivering competitive loan rates and solid financial products for our members without compromising on service quality. 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, committed team.

Reinvesting for Your Benefit

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 is robust: with $7,760 in used auto loans and a total of $371,849,667 in loans and leases available to support your financial goals across various sectors.

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 12.36% 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 purchasing a new or used vehicle, we provide competitive financing options that make it easier for you to drive away in your dream car.

Credit Lines and Refinancing Options

For those looking for additional financial flexibility, our total credit lines amount to $48,973,847. If you are considering refinancing any existing debts or exploring eligibility options for our various loan products, our team is ready to assist you with tailored solutions that fit your unique situation. At Members Heritage, we pride ourselves on providing personalized service and support throughout your borrowing experience. Our dedicated staff is available at 859-737-3671 to answer any questions you may have and help you find the best loan product for your needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore our loan offerings today and see how we can help you reach your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $57,256,565, make buying or refinancing simple. We know that securing a home is one of the biggest investments you'll make, and we're here to guide you through each step of the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $10,129,694 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits designed to fit your lifestyle.

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