Meridian Postal Credit Union Meridian MS

Introduction

Welcome to Meridian Postal, your trusted partner in financial growth and community support since 1932. Located at 2100 9Th St Ste 5, Meridian, MS 39301, we are proud to serve our members with dedication and care. With a strong membership base of 348 individuals and assets totaling $4,729,882, we strive to make banking accessible and beneficial for everyone in our community. At Meridian Postal, we believe in the power of community. Our commitment is reflected not only in our robust financial health but also in the relationships we build with our members. Our total deposits stand at $323,719, while we've successfully issued 85 loans to help our members achieve their dreams. Under the leadership of CEO Linda Payne and Board President James Price, our team of three employees works diligently to ensure you receive personalized service every time you visit. While members can visit us at our branch for all your financial needs, official correspondence should be sent to our mailing address: P O Box 654, Meridian, MS 39302-0654. Whether you need assistance with loans or simply want to learn more about our services, we're here for you. We invite you to explore how Meridian Postal can assist you on your financial journey. Feel free to reach out at 601-693-7413 or visit us during our operating hours from 2:30 PM to 5:30 PM, Monday through Thursday. Join us in making a positive impact within our community!

Branch History & Mission

Community Engagement

Meridian Postal believes in giving back. We regularly partner with local organizations and participate in events that uplift the community. This engagement is not just about outreach; it's about building a stronger Meridian together. As we look toward the future, we invite you to join us on this journey. Experience the benefits of being part of a supportive credit union that prioritizes your financial well-being and community involvement. Together, let's create a brighter future for all. For more information or inquiries, feel free to call us at (601) 693-7413. Join Meridian Postal today and become part of something bigger!

Our Evolution

Meridian Postal began its journey with the aim of offering affordable financial services to the local population. As we evolved, we embraced opportunities that allowed us to expand our offerings while staying true to our mission. We are located at 2100 9Th St Ste 5, right in the heart of Meridian, making it easy for you to visit us. While members can find us at this address, official correspondence should be sent to P O Box 654, Meridian, MS 39302-0654. Throughout the decades, we have witnessed significant milestones, including an increase in membership and assets that reflect our dedication to serving our community. We prioritize building lasting relationships with our members and strive to make every interaction meaningful.

Our Mission

At Meridian Postal, our mission is clear: we exist to empower our members through comprehensive financial solutions while fostering a sense of community. We understand that each member's financial journey is unique, and we aim to provide personalized services that cater directly to those needs. Our commitment goes beyond banking; we actively engage with local initiatives and support various community programs. We take pride in offering essential services such as loans and deposits while ensuring accessibility for everyone. Although we do not currently offer ATM services or drive-thru banking, our operating hours from 2:30 PM to 5:30 PM Monday through Thursday allow you ample opportunity to connect with us personally.

Branch Location & Accessibility

Accessibility Features

At Meridian Postal, we prioritize accessibility for all our members. Our location is designed to be welcoming, with ADA-compliant features such as ramps and designated parking spaces. You'll find ample parking available right outside our doors for added convenience.

Operating Hours

We understand that life can get busy, so we've made it easy for you to visit us during the week. Our lobby hours are from 2:30 PM to 5:30 PM, Monday through Thursday. If you need assistance outside these hours or have questions about our services, don't hesitate to give us a call at 601-693-7413.

Services Offered

Though we currently do not offer ATM services or drive-thru banking, our dedicated team is ready to assist you with a variety of financial services inside the branch. From opening new accounts to discussing loan options, we're here to make your experience smooth and enjoyable. We invite you to stop by Meridian Postal today! Whether you're already a member or considering joining our credit union family, we look forward to meeting you and helping you with all your financial needs.

Member Eligibility

Becoming a member of Meridian Postal means joining a welcoming community that values your financial well-being. If you're looking to enjoy personalized service and tailored financial solutions, you've come to the right place! To be eligible for membership at Meridian Postal, you typically need to reside, work, or worship in the local area or have a family member who is already a member. This makes it easy for anyone connected to our community to become part of our family. For more detailed eligibility criteria, feel free to check out this link: . Opening an account is simple and straightforward. You can start your journey with us by visiting our branch located at 2100 9Th St Ste 5 Meridian Ms 39301, or give us a call at (601) 693-7413 for any questions you might have. We're excited to help you take the first step toward better banking with a team that genuinely cares about your needs!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have $0 in member commercial loans and $0 in non-member commercial loans, we're eager to provide flexible financing solutions as your needs evolve. With an outstanding commercial loan portfolio of $0, we remain dedicated to driving economic growth by financing new and expanding businesses.

Merchant Services

Imagine having a reliable partner for your payment processing needs. Our merchant services simplify transactions, making it easy for you to focus on what matters most growing your business. Whether you're accepting payments in-person or online, our solutions can help streamline operations and enhance customer satisfaction. Ready to take the next step? Visit us at 2100 9Th St Ste 5 Meridian Ms 39301 in Meridian, MS, or give us a call at (601) 693-7413. Let's work together to turn your business goals into reality!

Comprehensive List Of Services

A Community-Oriented Approach

At Meridian Postal, we believe in building relationships with our members. Our small team is committed to ensuring that every interaction is warm and personalized. If you have any questions about our services or need assistance, don't hesitate to reach out at 601-693-7413. We're here to listen and assist you in finding the best solutions for your financial goals.

Accessing Your Accounts Anytime, Anywhere

While our branch hours are from 2:30 PM to 5:30 PM, Monday through Thursday, we understand that life can get busy. That's why our ATM services provide a reliable solution for your banking needs outside of these hours. Picture yourself out running errands and needing some cash; our ATMs make it simple and quick, allowing you to focus on what matters most whether it's picking up groceries or planning your next family outing.

Banking Services Tailored for You

Our primary offering includes ATM Services Only, ensuring you have easy access to your funds whenever you need them. Imagine being able to withdraw cash or check your balance at an ATM conveniently located near you. This service is particularly beneficial for those who prefer handling their finances on-the-go or during off-hours when traditional banking might not be available.

Stay Connected

We invite you to explore the services we offer and see how they can fit into your life. As we continue to grow and adapt to the needs of our members, keep an eye out for new features and offerings that enhance your banking experience. If you're ready to take the next step in managing your finances more effectively, come visit us or give us a call! At Meridian Postal, we're excited to support you in achieving your financial dreams. --- Whether you're a long-time member or considering joining us for the first time, remember that we're just around the corner in Meridian, MS! Let us be part of your journey toward financial success!

Digital & Online Banking

Convenience at Your Fingertips

With our online banking services, you can manage your accounts anytime, anywhere. Although we currently do not provide online banking through a dedicated URL like , our branch staff is always here to assist you with any inquiries or transactions you may need help with. You can expect a welcoming atmosphere where our team is ready to support you in achieving your financial goals.

Easy Transfers and Support

While person-to-person transfers are not available now, our team at Meridian Postal is always eager to help with any financial questions or needs you may have. We strive to make every visit or call as helpful as possible. In summary, while our digital banking features are limited at the moment, Meridian Postal remains dedicated to supporting you in all your financial journeys. Whether it's through personal assistance or future enhancements in technology, we're here for you!

Real-Time Account Management

While electronic signatures are not available at this time, we prioritize the security of your information. Our goal is to ensure that every interaction you have with us is safe and straightforward. Although e-statements aren't offered yet, our representatives can help you get the information you need directly from our branch.

Stay Connected with Mobile Features

Currently, we don't have mobile payment options or a dedicated mobile application for on-the-go banking. However, we recognize the importance of staying connected and are continuously looking for ways to enhance your experience.

Financial Strength

Growing Together

Total Share and Deposit Accounts stand at 348, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Meridian Postal is your trusted partner. Visit us at 2100 9Th St Ste 5 Meridian Ms 39301 or call (601) 693-7413 to learn more about how we can help you achieve your financial goals.

Investing in You

With $894,944 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to lend is highlighted by our $26 in used auto loans and $869,932 in total loans and leases, supporting members' financial goals across various sectors. Our operational efficiency is reflected in our $578, enabling us to continue offering competitive loan rates and solid financial products for our members. Additionally, we take pride in having 0 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Member-Centric Approach

Members' savings are secured through $0 in share certificates and $0 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.

Our Financial Health

With a net worth of $1,007,513, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $2,130 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. We have already issued over $429,266 in used vehicle loans and $77,671 in new vehicle loans, helping members get on the road with confidence. Whether you're eyeing a brand-new model or a reliable used option, our auto loan solutions are designed to make your purchase as affordable as possible.

Credit Lines and Business Loans

For those who need flexibility in managing cash flow, we provide credit lines totaling $600,000. These can be an excellent resource for both personal and business needs. If you're a business owner looking for capital to grow and expand, please contact us directly as our current offerings do not include outstanding commercial loans. At Meridian Postal, we're dedicated to providing financial solutions that fit your lifestyle. For more information about our loan products or if you have questions about refinancing options or eligibility requirements, don't hesitate to give us a call at 601-693-7413. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're here to help you navigate your financial future with confidence!

Mortgage Loans

Thinking about homeownership? While we currently do not have any Junior Lien 1-4 Family Residential Properties loans available at this time, we understand how important it is to find the right financing options for your dream home. If you are considering refinancing or are curious about eligibility options in the future, feel free to reach out for more information.

Unsecured Credit Card Loans

Managing your finances effectively can be challenging. That's why we also offer flexible terms on unsecured credit card loans. Although we currently do not have any unsecured credit card loans issued yet, these types of loans can provide you with essential purchasing power when unexpected expenses arise.

Loan Aggregator

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MERIDIAN POSTAL FEDERAL CREDIT UNION