Merck Employees Credit Union Rahway NJ | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Merck Employees, your trusted financial partner located at 126 E Lincoln Ave, Rahway, NJ 07065. Since our establishment in 1936, we have been dedicated to serving our community with a focus on member satisfaction and financial well-being. With a strong membership base of over 24,351 members, we pride ourselves on being more than just a credit union; we are a community committed to helping you achieve your financial goals. At Merck Employees, we understand that life's financial journey comes with its ups and downs. That's why we offer a variety of services tailored to meet your needs from personal banking and auto loans to mortgage refinancing and business banking solutions. Our total assets amount to an impressive $1,862,936,593, ensuring that we have the resources necessary to support you every step of the way. Our leadership team, headed by CEO Paul Gentile and Board President Patrick Ruane, works tirelessly to uphold our commitment to our members and the community. With a net worth of $252,007,689 and total deposits reaching $36,963,472, you can trust that your finances are in safe hands. Additionally, we maintain over $1,480,744 in cash on hand, allowing us to remain agile and responsive to your needs. While members can visit us at our Rahway branch for all your banking needs during our lobby hours from 8:00 AM to 4:00 PM (Monday through Friday), official correspondence should be sent to our mailing address: 126 E LINCOLN AVE, RAHWAY, NJ 07065-4607. Join us at Merck Employees Credit Union today! Give us a call at 732-594-3317 or explore our website at www.merckcu.com for more information about how we can assist you in achieving your financial dreams. Together, let's build a brighter financial future!

Branch History & Mission

Convenient Services

While members can visit us at our main branch location on E Lincoln Ave, official correspondence should be sent to our mailing address: 126 E LINCOLN AVE, RAHWAY, NJ 07065-4607. Our operating hours are Monday through Friday from 8:00 AM to 4:00 PM, ensuring that you can reach us when you need assistance the most. We also provide ATM access for your convenience. In an effort to keep up with modern banking needs, we offer online and mobile banking options so you can manage your finances anytime and anywhere. Our commitment extends to ensuring accessibility for all members.

Join Us

We invite you to become part of the Merck Employees family. Experience firsthand how we prioritize your financial goals while supporting the community around us. Whether you're looking for a new account or seeking advice on loans, our dedicated team is here to help every step of the way. For any inquiries or assistance, feel free to call us at 732-594-3317 or visit our website at http://WWW.MERCKCU.COM . Join us today and discover the benefits of being a member of Merck Employees!

Mission Statement

Our mission at Merck Employees is simple yet profound: to empower our members through superior financial services while fostering community growth and support. We believe that everyone deserves access to affordable financial products and exceptional service. That's why we offer a wide range of services including checking and savings accounts, auto loans, mortgages, and business banking solutions. As part of this mission, we actively engage in community outreach initiatives, partnering with local organizations to support educational programs and charitable activities. We are dedicated to making a positive impact in Rahway and beyond.

Our Evolution

From our humble beginnings nearly nine decades ago, Merck Employees has continuously evolved to meet the needs of our members and the community. We have seen significant milestones, such as expanding our services and enhancing our digital offerings to make banking more accessible. Our commitment to providing personalized service has remained steadfast throughout this journey. Today, with total assets exceeding $1.86 billion, we stand as a testament to what can be achieved when a community comes together.

Branch Location & Accessibility

Welcome to the Merck Employees Credit Union, conveniently located at 126 E Lincoln Ave in Rahway, NJ! Our branch is nestled in a friendly community, making it easy for you to stop by and handle your banking needs. Whether you're near local landmarks like the Rahway River Park or just passing through on Lincoln Avenue, we're here to assist you. At our branch, you'll find ample parking available, making your visit hassle-free. We pride ourselves on being accessible to everyone, featuring ADA-compliant entrances and ramps. Our lobby hours are designed with your convenience in mind. We're open from 8:00 AM to 4:00 PM, Monday through Friday. If you need assistance outside these hours, feel free to reach out to us at 732-594-3317 we're always happy to help! For those who prefer cash transactions, we offer ATM services right here at our branch. While we don't have drive-thru banking, our staff is ready to provide a warm welcome as soon as you step inside. In addition to personal banking services such as checking and savings accounts, auto loans, and credit cards with rewards, we also provide business banking solutions tailored for your needs. While members can visit us at 126 E Lincoln Ave for all their banking needs, official correspondence should be sent to our mailing address at 126 E LINCOLN AVE, RAHWAY, NJ 07065-4607. We invite you to come by and see how we can serve you better! Your financial journey starts with us stop in today!

Member Eligibility

At Merck Employees, we believe that joining our community is a wonderful opportunity to access a range of financial services tailored just for you. Becoming a member is simple and welcoming! If you are an employee of Merck or a family member, you're already eligible to join us. This means that you can enjoy all the benefits that come with being part of our credit union family, from competitive loan rates to personalized service. For more details on eligibility, feel free to check out this page, where we break it down for you. Getting started is easy! You can open your account online through our convenient portal by visiting this link. If you have any questions or need assistance along the way, don't hesitate to give us a call at (732) 594-3317. We're here to help and look forward to welcoming you to Merck Employees at 126 E Lincoln Ave Rahway Nj 07065!

Business Banking & Commercial Services

At Merck Employees in Rahway, NJ, we understand that every business owner dreams of growth and success. Whether you're starting a new venture or expanding an existing one, our commercial services are designed to support your journey. Imagine a local coffee shop ready to expand its menu and seating area. With tailored financing options, they can secure the funds needed to make this dream a reality. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses. In addition to loans, we offer comprehensive merchant services that help streamline payment processes for your business. This means faster transactions, improved cash flow, and more time for you to focus on what you do best running your business. Visit us at 126 E Lincoln Ave Rahway Nj 07065 or call us at (732) 594-3317 to learn how we can help your business thrive today!

Comprehensive List Of Services

Accessibility and Support

Located conveniently at 126 E Lincoln Ave Rahway Nj 07065, our branch is committed to serving our members with a friendly approach. If you have questions or need assistance with any of our services, don't hesitate to call us at (732) 594-3317 during our lobby hours from 8:00 AM to 4:00 PM on weekdays. At Merck Employees, we strive to create a welcoming environment where you feel valued as a member. Explore all the ways we can help you achieve your financial goals today! Ready to get started? Visit us online at http://WWW.MERCKCU .COM or stop by our branch in Rahway!

Business Banking Services

For our business members, we provide comprehensive banking solutions that include merchant services and business loans. Whether you're just starting out or looking to expand your operations, our team is here to support your entrepreneurial journey.

Digital Banking Features

We understand the importance of convenience in managing your finances. That's why Merck Employees offers robust online and mobile banking features. You can access your accounts anytime, anywhere, making it easier than ever to check balances, transfer funds, or pay bills from the comfort of your home or on the go. Additionally, we have ATM services available for quick cash withdrawals and balance checks. While we don't currently offer drive-thru service at our location on 126 E Lincoln Ave Rahway Nj 07065, our ATMs are always accessible for your basic banking needs.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, we have options that cater to different financial goals. For those considering purchasing a new vehicle, our auto loans and vehicle financing solutions can help make your dream ride a reality. Perhaps you're planning to buy a home? Our mortgage loans and refinancing options are designed to make homeownership accessible and affordable. In today's world, managing debt is crucial. That's why we offer personal loans and debt consolidation services, allowing you to take control of your finances without the stress. And if you're looking for credit options, our credit cards come with rewards that can benefit you in everyday purchases.

Digital & Online Banking

Mobile Banking Features

Our mobile application makes banking even simpler. You can enjoy features like mobile payments, allowing you to make purchases quickly and securely using your smartphone. Plus, if you need to send money to friends or family, our person-to-person transfer service makes it a breeze!

Online Banking Services

With our 24/7 online banking services, you can check balances, transfer funds, and pay bills at your own pace. Visit us at http://WWW.MERCKCU .COM to explore our user-friendly online platform. It's like having a bank branch right in your pocket! Whether you're at home or on the go, managing your money has never been more accessible.

Secure and Convenient Options

We prioritize your security as much as your convenience. Although we currently don't offer electronic signature authorization, our systems ensure that your data remains safe while you enjoy features like e-statements. By opting for e-statements, you'll receive all your important documents electronically keeping everything organized and easy to access. In summary, Merck Employees is committed to providing seamless digital banking solutions that empower you to manage your finances with confidence. From our mobile app to online banking options available at http://WWW.MERCKCU.COM , we've got everything you need for effective real-time account management. So why wait? Dive into the world of convenient banking today!

Financial Strength

Building Trust Together

Total Share Accounts stand at 50,034, showing 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, Merck Employees is your trusted partner. Visit us at 126 E Lincoln Ave Rahway Nj 07065 or call (732) 594-3317 to learn more about how we can help you achieve your financial goals.

Commitment to Growth

With $181,730,084 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 $590 in used auto loans and $212,827,550 in total loans and leases. Our operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 19 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Member-Focused Savings

Members' savings are secured through $101,137,385 in share certificates, 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 Foundation

With a net worth of $252,007,689, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,353 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 $9,572,474 in used vehicle loans and $7,728,814 in new vehicle loans already helping members get on the road. Whether you're considering a brand-new model or a reliable pre-owned vehicle, our competitive rates and flexible terms make financing easier than ever.

Credit Lines and Credit Cards

For those looking for added flexibility, our credit lines are available with a total of $486,574,304 to help manage unexpected expenses or larger purchases. We also offer flexible terms on unsecured credit card loans, with a total of $6,975,807 in loans helping members manage their finances effectively.

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $18,823,663, make buying or refinancing simple. We provide personalized support through the mortgage process to ensure you find the right solution for your needs.

Refinancing Options

If you're considering refinancing your existing loans, we have options available that can help reduce your monthly payments or lower your interest rates. Our team is ready to assist you in exploring eligibility options that fit your situation. At Merck Employees, our commitment is to empower our members with the financial tools they need. For more information on any of our loan products or to explore how we can assist you further, don't hesitate to reach out at (732) 594-3317. For performance insights and financial data related to our offerings, please refer to the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

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MERCK EMPLOYEES FEDERAL CREDIT UNION