Members1st Community Credit Union Ames IA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Members1st Community, your trusted financial partner located at 423 Main St, Ames, IA 50010. Since our establishment in 1964, we have been committed to serving our community with personalized banking solutions tailored to meet the needs of our 17,491 members. Our dedication is reflected in our robust financial health, boasting total assets of $258,872,199 and total deposits of $21,130,974. At Members1st Community, we believe in putting people first. Our leadership team, headed by CEO Nicholas Tonelli and Board President Kelley Molitor, focuses on creating a welcoming environment where every member feels valued and understood. With a team of 65 dedicated employees, we strive to provide exceptional service that makes banking easy and accessible for everyone. While members can visit us at our branch address, official correspondence should be sent to PO Box 807, Ames, IA 50010. We understand that convenience is key; that's why we offer various services including personal banking, auto loans, mortgage financing, credit cards with rewards, and business banking solutions. Our community impact goes beyond just numbers. With total loans exceeding 8,648, we are proud to support local businesses and help families achieve their financial goals. Whether you need assistance with budgeting or are looking for the right loan product, we're here to guide you every step of the way. We invite you to explore our services further on our website members1st.com or call us at (515) 232-0085 for any inquiries. Your financial journey matters to us let's take it together!

Branch History & Mission

Welcome to the Members1st Community, located in the heart of Ames, IA. Since opening our doors in 1964, we have built a rich history rooted in community service and financial empowerment. Our branch at 423 Main St, Ames, IA 50010 has been a reliable partner for families and businesses alike, helping them achieve their financial goals. Over the years, we have grown significantly, now proudly serving 17,491 members with total assets of $258,872,199. This growth reflects our commitment to providing exceptional service and fostering strong relationships within our community. Our mission is clear: we aim to provide accessible financial services while actively supporting local initiatives that enrich the lives of those we serve. At Members1st Community, we believe in making banking easy and convenient. While you can visit us at our branch location for personal interactions and guidance, official correspondence can be sent to PO Box 807, Ames, IA 50010 if needed. We understand that today's world demands flexibility; therefore, we offer modern solutions such as online banking and mobile payments alongside traditional services like drive-thru banking for quick transactions. Our branch not only prioritizes financial well-being but also emphasizes community outreach. We are dedicated to working with local organizations and participating in events that foster growth and support for everyone in Ames. Whether through partnerships or volunteer efforts, we strive to make a positive impact beyond banking. In addition to our commitment to community service, we ensure that all members have access to safe and compliant facilities. Our branch embraces digital advancements while maintaining ADA compliance so everyone can benefit from our services without barriers. As we continue on this journey of growth and support since 1964, we invite you to become part of our legacy. Join us at Members1st Community today! Experience first-hand how we can help you reach your financial dreams while making a difference in our community together. For more information or to start your membership journey, give us a call at 515-232-0085 or visit us online at Members1st Community.

Branch Location & Accessibility

Welcome to the Members1st Community, your friendly financial partner located conveniently at 423 Main St, Ames, IA 50010. Our Ames Branch is designed with accessibility in mind, making it easy for you to manage your banking needs. Whether you're stopping by for a quick transaction or exploring our full range of services, we strive to provide a welcoming atmosphere for all our members. Our branch is nestled near popular local landmarks, making it a familiar stop for many residents in Story County. If you're out and about enjoying the vibrant community or visiting nearby parks, swing by to see us! Parking is readily available, and we have ADA-compliant features to ensure that everyone can access our services comfortably. At Members1st Community, we're here to serve you from 8 AM to 5 PM on weekdays and offer drive-thru service on Saturdays from 9 AM until noon. Our drive-thru banking allows you to complete deposits and withdrawals with ease ideal for those busy mornings when time is of the essence! If you have any questions or need assistance, don't hesitate to reach out at 515-232-0085. While members can visit us at our branch address, official correspondence should be sent to PO Box 807, Ames, IA 50010 if needed. We invite you to come by and discover how we can help with personal banking, auto loans, mortgages, credit cards with rewards, and more. Your financial journey starts here at the Members1st Community Ames Branch. We look forward to seeing you soon!

Member Eligibility

Becoming a member of Members1st Community feels like joining a warm, welcoming family where everyone's financial needs are valued. If you live or work in the Ames area, you're already on the right track! We invite individuals and families who share our commitment to community and personal growth. Membership is open to those who qualify under specific criteria that you can explore further by visiting our eligibility page at . Once you're ready to take the next step, opening an account is a breeze! Just head over to our account opening page at https://www.members1st.com/apply-for-a-loan/ , and you'll find all the details you need to get started. Our friendly team is always here to assist you, so don't hesitate to reach out at (515) 232-0085 if you have any questions. We look forward to welcoming you into the Members1st Community community at 423 Main St Ames Ia 50010!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $2 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $20 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $224,201, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, our merchant services offer practical tools for day-to-day operations. Whether you're a café needing efficient payment processing or a retailer looking for inventory management solutions, our services simplify transactions and help you focus on what really matters growing your business. Located at 423 Main St Ames Ia 50010 in Ames, IA, our team is ready to partner with you on your business journey. Contact us at (515) 232-0085 or visit us online at https://www.members1st.com/ to learn more about how we can support your business needs today!

Comprehensive List Of Services

Additional Services

We also provide ATM and cash withdrawal services, ensuring that accessing your money is simple and straightforward. Basic drive-thru banking allows for quick deposits, withdrawals, and simple transactions without needing to step inside the branch. At Members1st Community, we're committed to making your banking experience as smooth as possible. Our dedicated team is ready to assist you with any questions or concerns you may have. Feel free to reach out at 515-232-0085 or visit us online at www.members1st.com for more information about how we can serve you better. We look forward to being part of your financial journey!

Business Banking Services

If you're a business owner in need of financial support, look no further! Our business banking services include essential tools like merchant services and business loans tailored to help your business thrive.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer comprehensive online and mobile banking platforms that allow you to manage your accounts anytime, anywhere. With features like mobile payments and person-to-person transfers, handling your finances has never been easier. And if you prefer in-person transactions, our friendly staff is here for you during our lobby hours from 8 AM to 5 PM on weekdays or through our drive-thru service on Saturdays from 9 AM to noon.

Personal Banking Solutions

Understanding the importance of managing your finances effectively, we offer various personal banking options. You can choose from checking and savings accounts that fit your lifestyle. Planning to buy a new car? Our auto loans and vehicle financing options are designed to help you get behind the wheel with ease. If you're dreaming of homeownership, our mortgage loans and refinancing solutions are available to guide you through the process smoothly. For those times when life throws unexpected expenses your way, our personal loans and debt consolidation services provide flexible solutions to help you regain control. Plus, enjoy shopping with peace of mind through our credit cards with rewards, allowing you to earn while spending.

Digital & Online Banking

Key Features

Visit us online at https://www.members1st.com/ to explore the full suite of services available. Our platform includes features like electronic signature authorization, so you can sign documents quickly and securely without needing to visit a branch. Plus, with e-statements, you can view your account statements electronically no more waiting for paper copies in the mail! If you're on the go, our mobile application makes banking even easier. You can manage your accounts right from your smartphone, whether you're checking balances or making transactions. And with mobile payments enabled, paying for purchases is just a tap away. Need to send money to a friend? Our person-to-person transfer feature allows you to do just that with ease.

Security and Accessibility

We prioritize your security, ensuring that all transactions are protected with advanced encryption technology. This means you can bank confidently, knowing your information is safe with us. Our user-friendly interface makes it easy for everyone from tech-savvy users to those new to online banking to navigate their accounts smoothly. In today's fast-paced world, having real-time access to your financial information is crucial. That's why our digital banking services provide you with everything you need at your fingertips. Whether you're at home or out and about, managing your finances has never been more convenient. Experience the freedom of digital banking today at Members1st Community!

Financial Strength

Commitment to Growth

With $15,739,464 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Additionally, our lending capacity supports your financial goals with $33,715,200 in used auto loans and a total of $169,903,805 in loans and leases available. Our net income of $1,445,397 reflects our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products for our members.

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Members1st Community is your trusted partner. Visit us at 423 Main St Ames Ia 50010 or call 515-232-0085 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.

Dedicated Team Ready to Serve You

We also take pride in having 60 full-time employees and 5 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. With a total of 40,168 share accounts, we show a strong and growing member base that trusts us with their finances.

Member-Centric Savings Solutions

Members' savings are secured through $61,079,655 in share certificates and $25,669,758 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.

Solid Financial Position

With a net worth of $26,405,536, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.20% 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 $47,915,240 in used vehicle loans and $14,402,633 in new vehicle loans already helping members get on the road. We provide financing solutions for both new and used vehicles, ensuring you can find the right fit for your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $224,201 provide the capital needed to grow and expand. We recognize the unique challenges faced by small businesses and offer tailored solutions to help you succeed. We encourage you to explore our refinancing options as well if you're considering switching lenders or adjusting your current loan terms. You may find that better rates are available that suit your financial situation more closely. Our commitment is not just about providing loans; it's about empowering you financially. If you have any questions or would like more information about any of our loan products, feel free to reach out at 515-232-0085 or visit us at 423 Main St Ames IA 50010. 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 take the next step towards achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $13,343,474, make buying or refinancing simple. We aim to support you through every step of the mortgage process, from application to closing.

Unsecured Credit Card Loans

For those looking to manage day-to-day expenses or consolidate debt, we also offer flexible terms on unsecured credit card loans. With a total of $1,160,783 in loans helping members manage their finances effectively, our credit card options come with rewards that can benefit you even further.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. LendMesh ensures accurate loan comparisons by sourcing its data 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 commitment to transparency means that users receive fair and reliable offers every time they compare loans. One of the key benefits of using LendMesh is its focus on verified data. Loan offers are sourced from legitimate financial institutions, ensuring that users have access to genuine and trustworthy options. Additionally, LendMesh takes pride in having no sponsored listings; lenders are not prioritized based on paid promotions. This approach guarantees that the results are unbiased and centered around what is best for the user. With real-time rate comparisons, LendMesh provides up-to-date loan rates from multiple institutions. This feature enables users to make informed decisions quickly, helping them find the best rates tailored to their needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials reflect the positive impact that LendMesh has on its users' financial journeys. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

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