Meridian Credit Union Ottumwa IA | Convenient ATM Services

Introduction

Welcome to Meridian, your trusted partner in financial wellness, located at 644 W 2Nd St, Ottumwa, IA 52501. Established in 1952, our credit union has been dedicated to serving the community for over seven decades. With a strong commitment to our 2,150 members, we take pride in providing personalized services that cater to your unique financial needs. At Meridian, we believe in fostering a close-knit community where every member matters. Our total assets stand at an impressive $33,280,005, which reflects our stability and commitment to helping you achieve your financial goals. Whether you're looking for loans of which we currently offer 989 or savings options with total deposits of $5,238,860, we've got you covered. Our leadership team, led by CEO Brenda Wynn and Board President Steve Allison, is passionate about ensuring that each interaction you have with us is meaningful and supportive. We also maintain a strong financial foundation with a net worth of $5,280,493 and cash on hand amounting to $361,499, allowing us to provide competitive rates and innovative services. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 644 W 2nd St, Ottumwa, IA 52501-2358. If you have any questions or need assistance, feel free to call us at 641-684-6302. Join us at Meridian today! Visit our website at mymeridiancu.org or stop by our branch to learn more about how we can help you thrive financially. Your journey towards a secure financial future starts here!

Branch History & Mission

Community Engagement

Meridian actively engages with local organizations and events because we understand that strong communities build strong families. Our partnerships with local charities and schools help us give back and create opportunities for all residents of Ottumwa. As we look toward the future, we invite you to join us on this journey. Experience firsthand the benefits of being part of Meridian where you're not just another account number; you're family. If you're ready to take the next step towards financial well-being or want more information about membership eligibility, feel free to reach out at (641) 684-6302 or visit us online at mymeridiancu.org. Join us today and see how we can help you thrive!

Our Mission

At Meridian, our mission is simple: to empower our members through sound financial solutions and community support. We believe that by helping you succeed financially, we contribute positively to the entire Ottumwa area. Whether it's through educational workshops or personalized financial advice, we aim to make a real impact in your life. While members can visit us at 644 W 2Nd St Ottumwa Ia 52501, official correspondence should be sent to 644 W 2nd St, Ottumwa, IA 52501-2358. We invite everyone in the community both longtime residents and newcomers to discover what sets us apart.

Our Story

From our humble beginnings, Meridian has always prioritized the needs of its members. We opened our doors with the mission to provide accessible financial services while fostering a sense of belonging among our community. As we evolved, so did our offerings. Today, we proudly offer a variety of financial products tailored to help you achieve your goals whether that's buying a home, purchasing a vehicle, or saving for your future. Over the years, we've embraced advancements in technology to better serve you. Our online banking platform allows you to manage your accounts from anywhere, making banking convenient and straightforward. We also ensure ADA compliance to make our services accessible for everyone. Although we do not currently offer ATM services or drive-thru banking, we continue to explore ways to enhance your experience.

Branch Location & Accessibility

Convenient Access and Features

At our branch, we prioritize accessibility for all members. You'll find ADA-compliant features that ensure everyone can comfortably access our services. We have ample parking available nearby, so you can park with ease when you visit us. Though we currently do not offer ATM services or drive-thru banking at this location, our dedicated team is here to assist you during your visit. Whether you're looking to open an account or need help with loans, our friendly staff is ready to provide personalized support.

Operating Hours

While specific operating hours are yet to be finalized, we encourage you to give us a call at 641-684-6302 for the latest updates. We strive to accommodate your needs and make banking as convenient as possible. We invite you to visit us at the Meridian branch of River Community Credit Union. Our team looks forward to welcoming you and helping you with all your financial needs!

Member Eligibility

At Meridian, we believe that becoming a member means joining a caring community that supports your financial journey. Anyone who lives, works, worships, or attends school in the Wapello County area is welcome to join us. We also extend our membership to family members of existing members, making it easier to share the benefits of being part of our cooperative. By choosing Meridian, you gain access to a range of services designed to help you save, borrow, and thrive financially. If you're curious about the specific eligibility criteria, feel free to check out more details at http://www.mymeridiancu.org/become-a-member . Getting started is simple! You can open an account with us online by visiting http://www.mymeridiancu.org/loan-application , or if you prefer a personal touch, just give us a call at (641) 684-6302. We're here to guide you every step of the way as you take this exciting step toward financial empowerment at Meridian located at 644 W 2Nd St Ottumwa Ia 52501. Join us today and experience the difference!

Business Banking & Commercial Services

Merchant Services for Everyday Needs

In addition to loans, we offer merchant services designed to streamline your payment processes. Picture this: you've just completed a sale, but instead of worrying about payment methods or transaction fees, you're confidently using our secure services to handle transactions quickly and efficiently. This allows you to spend more time growing your business rather than managing finances. Reach out today at (641) 684-6302 or visit us at 644 W 2Nd St Ottumwa Ia 52501 in Ottumwa, IA to learn how our business banking and commercial services can empower your success!

Tailored Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $19 in non-member commercial loans, providing flexible financing solutions. Imagine having access to funds that can help you expand your operations, invest in new technology, or manage cash flow during slower seasons. With our tailored loan options, you can focus on what you do best running your business.

Comprehensive List Of Services

Community-Centric Approach

At Meridian, we believe in building strong relationships with our members and the local community. We strive to create an inclusive environment where everyone feels welcome and valued. Our commitment extends beyond just financial services; it's about supporting each member's unique journey.

Digital Banking Features

We know that digital convenience is key for many of our members. That's why we've integrated online banking features into our offerings. With our user-friendly mobile application, you can easily manage your accounts from your smartphone. From checking balances to transferring funds, everything is just a tap away! Additionally, our e-statements help you stay organized and eco-friendly by keeping track of your finances without the clutter of paper statements.

Personalized Banking Solutions

In today's fast-paced world, having access to reliable banking services is essential. At Meridian, we understand that our members lead busy lives. That's why we offer services like ATM access, allowing you to withdraw cash or check your balance anytime, anywhere. Even if you're on the go, you can rely on us to keep your finances within reach.

Your Financial Partner

Whether you're saving for a vacation, planning for retirement, or simply need a safe place to keep your money, we are here to help guide you every step of the way. Our dedicated team is always available to answer any questions you may have about our services or how we can assist you in achieving your financial goals. For more information about what we offer, feel free to reach out to us at (641) 684-6302 or visit us at River Community Credit Union. Join us today and discover how Meridian can be your trusted partner in financial success!

Digital & Online Banking

Key Services

Our online banking platform at https://www.mymeridiancu.org/ provides you with 24/7 access to your accounts. Whether you're checking your balance, transferring funds, or paying bills, everything is just a few clicks away. You can also take advantage of our e-statements, which let you view your financial statements electronically helping you keep track of your finances while reducing paper clutter. If you need to send money to a friend or family member, our person-to-person transfers feature makes it simple and quick. Just enter the recipient's information, and the money will be on its way in no time!

Security and User-Friendly Features

We prioritize your security with features like electronic signature authorization, ensuring that your transactions are protected. Plus, our user-friendly mobile application allows you to perform all these tasks right from your smartphone, making banking even more accessible. Although we currently don't offer mobile payments, our app still provides everything else you need for effective account management. You can easily navigate through various options without feeling overwhelmed. In summary, Meridian is committed to providing modern banking solutions that meet your needs. With our online services, managing your money has never been easier or more secure! For more information about our digital banking offerings, visit us at https://www.mymeridiancu.org/ .

Financial Strength

Dedicated Team

We also take pride in having 6 full-time employees who are committed to serving you with knowledge and care. Although we do not have part-time employees, our dedicated team ensures that you receive personalized attention whenever you need it.

Growing Member Base

Our total share accounts stand at 4,034, showcasing a strong and growing member base that trusts us with their finances. This growth reflects the confidence placed in us by the community we serve. In conclusion, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Meridian is your trusted partner. Visit us at 644 W 2Nd St Ottumwa Ia 52501 or call (641) 684-6302 to learn more about how we can help you achieve your financial goals.

Member-Centric Approach

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 tailored for our loyal members.

Operational Efficiency

Our operational efficiency is evident with a net income of $272,053, which enables us to continue offering competitive loan rates and solid financial products for our members. This success means more resources available for enhancing your service experience.

Reinvestment in Services

With $4,129,293 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment reflects our dedication to improving your banking experience continually.

Secure Savings Options

Members' savings are secured through $3,570,983 in share certificates, offering stable and rewarding financial growth opportunities. While our money market shares currently stand at $0, we focus on providing reliable options for all types of savers.

Solid Capital Foundation

Our net worth ratio of $1,587 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This ratio is an essential indicator of our ability to meet obligations and invest back into our community.

Strong Net Worth

With a net worth of $5,280,493, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation helps us navigate economic uncertainties while keeping your interests at heart.

Support for Your Financial Goals

Our lending capacity supports members' financial goals across various sectors with $336 in used auto loans and $13,467,388 in total loans and leases. Whether you're looking to buy a car or finance other significant purchases, we've got you covered.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $3,855,949 in used vehicle loans and $1,096,812 in new vehicle loans already helping members get on the road. We provide financing for both new and used vehicles, ensuring that you can find the right fit for your budget.

Credit Lines

If you're seeking additional flexibility, our credit lines are another fantastic option. With a total availability of $1,160,000, they can help you cover those unexpected costs without the hassle of applying for a separate loan each time. For any questions or to explore eligibility options for our various loan products, don't hesitate to contact us at 641-684-6302. Our friendly staff at our branch located at 644 W 2nd St, Ottumwa, IA 52501 are ready to assist you. 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, we're committed to helping you navigate your financial journey with confidence and ease. Whether it's buying a car or managing expenses with our credit card options, we're here for you every step of the way!

Mortgage Loans

Thinking about homeownership? While we currently do not offer Junior Lien 1-4 Family Residential Properties loans totaling $0, our team is here to guide you through the process and discuss potential options that may be available for refinancing or other mortgage solutions.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $146,941 in loans helping members manage their finances effectively. These cards provide you with the purchasing power you need while keeping your budget in check.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced 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 sourcing ensures that users receive fair and transparent offers every time they use the service.

MERIDIAN CREDIT UNION