Meridian Mutual Credit Union Meridian MS | Best Auto Loans & Business Banking

Introduction

Welcome to Meridian Mutual, your trusted partner in financial growth since 1953. Located at 809 26Th Ave, Meridian, MS 39301, our credit union is committed to serving the community and empowering our members through personalized banking solutions. With a proud history of supporting over 6,900 members and managing total assets exceeding $56,670,012, we are here to help you navigate your financial journey with confidence. At Meridian Mutual, we understand that every member has unique needs. Whether you're looking for a new auto loan, personal banking services, or business solutions, our dedicated team is ready to assist you. Under the leadership of our CEO, Justin Branstetter, and Board President, Cliff Partridge Jr., we strive to create a warm and welcoming environment where your financial aspirations can thrive. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be directed to our mailing address: PO Box 310, Meridian, MS 39302. Our doors are open for you during lobby hours from Monday to Friday check out our full schedule below! With a focus on community impact and member satisfaction, Meridian Mutual not only offers competitive rates but also invests back into the local area. Our commitment extends beyond numbers; we believe in building lasting relationships that foster trust and reliability. Ready to take the next step towards achieving your financial goals? Call us today at 601-693-1900 or explore our services online at meridianmutualfcu.com. Join us in making your financial dreams a reality!

Branch History & Mission

Community Impact

Meridian Mutual is not just about transactions; it's about building lasting relationships. We actively engage with the community through various outreach programs and partnerships aimed at supporting local organizations and initiatives. Our dedication extends beyond banking we strive to make a positive impact in the lives of those around us. In addition to traditional banking services like checking and savings accounts, auto loans, and mortgage refinancing, we offer innovative products such as credit cards with rewards and personal loans designed for debt consolidation. With convenient features like ATM access and drive-thru banking available during extended hours (Monday & Tuesday from 9 AM - 5 PM; Wednesday from 10 AM - 5 PM; Thursday & Friday from 9 AM - 5:30 PM), we make managing your finances easier than ever. We invite you to become part of the Meridian Mutual family. Experience firsthand how we prioritize your financial well-being while contributing positively to our community. To learn more about membership eligibility or open an account today, please visit our website or call us at 601-693-1900. Join us at Meridian Mutual and let's build a brighter financial future together!

Our Mission

The mission of Meridian Mutual is clear: we aim to empower our members by providing them with valuable financial resources while fostering a sense of community. We believe that everyone deserves access to quality banking services that help them achieve their dreams whether that's buying a new home or planning for retirement. Our approach is centered on trust and transparency, ensuring that our members feel valued and understood. As we look back on our journey since opening our doors in 1953, we recognize key milestones that have shaped who we are today. From expanding our service offerings to include online and mobile banking options to enhancing accessibility through ADA compliance initiatives, we've continually adapted to meet the changing needs of our members.

Branch Location & Accessibility

Accessibility and Parking

At Meridian Mutual, we believe that accessibility is key. Our branch features ADA-compliant entrances and ramps, ensuring that everyone can visit us comfortably. Ample parking is available right outside the entrance, so you can hop in and out without any hassle.

Get in Touch!

Have questions or want to learn more? Don't hesitate to give us a call at 601-693-1900. We're here to help! We invite you to stop by our branch soon whether it's for a quick transaction or a detailed discussion about your financial goals. At Meridian Mutual, we're committed to serving you with care and convenience.

Operating Hours

We understand that your time is valuable. That's why our lobby hours are designed to fit your schedule: we're open Monday and Tuesday from 9 AM to 5 PM, Wednesday from 10 AM to 5 PM, and Thursday and Friday from 9 AM to 5:30 PM. If you prefer the convenience of drive-thru banking, our drive-thru is open Monday through Thursday from 8:30 AM to 5 PM and on Friday until 5:30 PM.

Services Offered

Meridian Mutual offers a variety of services tailored just for you. Whether you're looking for personal banking options like checking and savings accounts, auto loans, or mortgage refinancing, we've got you covered. Need a quick cash withdrawal? Our ATM services are readily available for your convenience. Plus, we also provide basic drive-thru banking for deposits and withdrawals. If you're part of another credit union that partners with us, take advantage of our shared services! It's just one more way we strive to make banking easier for you.

Member Eligibility

At Meridian Mutual, we believe that becoming a member is like joining a close-knit family that supports you in achieving your financial goals. If you're ready to take this step, you'll be pleased to know that membership is open to anyone who lives, works, worships, or attends school in Lauderdale County. This inclusive approach means we're here for you, whether you're just starting out on your financial journey or looking to expand your current services. The process of becoming a member at Meridian Mutual is simple and welcoming. All you need to do is visit us at 809 26Th Ave, Meridian, MS 39301, or give us a call at 601-693-1900 for more details. You can also check our eligibility criteria online at this link for the latest updates. Once you're ready to open an account, you can start that process conveniently online by visiting here. Join us today and experience the many benefits of being part of the Meridian Mutual community!

Business Banking & Commercial Services

Merchant Services That Empower

In addition to loans, we offer merchant services that simplify transactions for you and your customers. From point-of-sale systems to online payment processing, our solutions help streamline your operations, allowing you to focus on what matters most growing your business. Visit us at 809 26Th Ave Meridian Ms 39301 in Meridian, MS, or call us at (601) 693-1900 to learn more about how we can partner with you on your journey to success.

Tailored Loan Options

Imagine having the financial support to take your business to new heights. 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.

Comprehensive List Of Services

Business Banking

For entrepreneurs and small business owners, we offer comprehensive business banking services. From merchant services that simplify transactions to business loans that support growth, we are committed to helping local businesses thrive.

Convenient Access

To ensure ease of access, Meridian Mutual provides ATM services for cash withdrawals and balance checks without the hassle of long lines. Our drive-thru banking is perfect for quick deposits or withdrawals when you're on the go.

Credit Cards with Rewards

For those who like to earn while they spend, our credit cards come with rewards programs that can benefit you every time you make a purchase. With no hidden fees and transparent terms, managing your credit card has never been easier.

Loans and Financing

Need a new car or looking to refinance your home? Our auto loans and mortgage options are straightforward and competitive. We also provide personal loans for those times when life throws unexpected expenses your way. Plus, if you're interested in consolidating debt, we have flexible solutions available to help you regain control of your finances.

Personal Banking

We understand that everyone's financial needs are unique. That's why we offer various personal banking options, including checking and savings accounts designed to fit your lifestyle. Our members can enjoy easy access to their funds through our online and mobile banking services, allowing you to check balances, transfer money, and pay bills from anywhere.

Shared Branch Services

As part of our commitment to community banking, we also participate in shared branch transactions. This means that members from partner credit unions can easily deposit or withdraw funds at our location making banking more accessible than ever. With so many convenient services available under one roof, Meridian Mutual is here for all your financial needs. Feel free to reach out at (601) 693-1900 if you have any questions or need assistance. We invite you to visit us at 809 26Th Ave Meridian Ms 39301, explore our offerings further on our website here, or take the first step toward membership by checking eligibility here. Join us today and experience the difference at Main Office!

Digital & Online Banking

Accessibility & Security

Security is paramount at Meridian Mutual. We employ advanced measures to protect your personal information while ensuring an easy-to-navigate interface that anyone can use. Whether you're tech-savvy or new to online banking, you will find our services straightforward and user-friendly. With all these features designed for real-time account management and accessibility, managing your finances has never been simpler! Join us today at https://meridianmutualfcu.com/ and experience the ease of digital banking with Meridian Mutual.

Key Features

Our online banking platform offers a variety of features tailored to meet your needs. You can view account balances, transfer funds, and even set up automatic payments with just a few clicks. Plus, with our electronic signature authorization, signing documents is quick and secure no more waiting for the mail! For those who prefer digital statements, we offer e-statements that are not only eco-friendly but also easily accessible right from your computer or smartphone. You'll have everything you need at your fingertips!

Mobile Convenience

On top of our online services, we also support mobile payments, making it easier than ever to pay for everyday purchases directly from your phone. While we don't currently have a mobile application available, our website is fully optimized for mobile use so you can manage your accounts seamlessly. Need to send money to friends or family? Our person-to-person transfer feature allows you to do just that without any hassle. It's a great way to split bills or send gifts instantly!

Financial Strength

Growing Trust

We have earned the trust of our growing member base, with a total of 13,063 share and deposit accounts. This reflects the confidence that thousands place in us as their trusted financial partner. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Meridian Mutual is your trusted partner. Visit us at 809 26Th Ave Meridian Ms 39301 or call (601) 693-1900 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 Approach

At Meridian Mutual, your savings are our priority. We have secured $6,820,666 in share certificates and $4,105,879 in money market shares, providing you with stable and rewarding financial growth opportunities. Unlike traditional banks, we focus on benefiting you our members with no non-member deposits currently impacting our resources.

Operational Efficiency

Our $0 underscores our operational efficiency, enabling 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 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Your Benefit

With $8,050,553 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity for lending is reflected in our $627 in used auto loans and $27,582,931 in total loans and leases, supporting your financial goals across various sectors.

Solid Financial Health

With a net worth of $8,050,553, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,421 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 $9,977,953 in used vehicle loans and $6,222,015 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used option, our flexible terms are designed to fit your budget.

Credit Lines

For those looking for additional flexibility in managing cash flow, our total credit lines amount to $3,600,000. This option allows you to access funds when needed without the hassle of applying for a new loan every time. If you're considering refinancing your existing loans or exploring eligibility options for any of our products, our dedicated team at Meridian Mutual is here to help. We encourage you to reach out with any questions or visit us at our branch located at 809 26Th Ave Meridian Ms 39301. You can also give us a call at 601-693-1900. 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 Meridian Mutual, we prioritize transparency and aim to empower our members with clear information so you can make informed financial decisions.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Currently, we don't have any Junior Lien 1-4 Family Residential Properties loans available, but our team can guide you through other options suited for your home financing needs.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $286,072 in loans helping members manage their finances effectively. These cards provide a convenient way to handle unexpected expenses while enjoying the benefits of rewards programs.

Loan Aggregator

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MERIDIAN MUTUAL FEDERAL CREDIT UNION - Meridian, MS