Meritrust Credit Union Lawrence KS | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Meritrust, your trusted credit union located at 650 Congressional Dr, Lawrence, KS 66049. Established in 1935, we have proudly served our community for nearly a century, growing together with our members. With a strong commitment to financial wellness, we currently support over 118,905 members, ensuring that everyone has access to the resources they need to achieve their financial goals. At Meritrust, we understand that every dollar counts. That's why we're thrilled to share that our total assets have reached an impressive $1,971,043,933. This robust foundation allows us to offer a variety of services tailored to meet your personal and business banking needs. Whether you're looking for checking and savings accounts, auto loans, mortgages, or credit cards with rewards, we've got you covered. Our total deposits stand at $151,234,795, reflecting the trust our members place in us. Led by our dedicated CEO, James Nastars, and Board President Steve Dunn, our team of 369 employees is passionate about providing exceptional service and building lasting relationships with each member. We believe in community impact; that's why we actively participate in local initiatives and support small businesses with a net member business loan balance of $160,983,413. While you can visit us anytime at our branch location for all your banking needs, please note that official correspondence should be sent to the same address: 650 Congressional Dr, Lawrence, KS 66049-4869. Your financial journey is important to us. If you have questions or want to learn more about how we can assist you today, don't hesitate to call us at 785-393-4097. Join us at Meritrust where your financial well-being is our priority! For more information on our services and how we can help you save or invest wisely, please visit our website at Meritrust.

Branch History & Mission

Welcome to Meritrust, a cornerstone of the Lawrence community since 1935. With a rich history spanning over eight decades, our branch has continually evolved to meet the needs of our members while remaining committed to our foundational values of service and support. Located at 650 Congressional Dr, Lawrence, KS 66049, we are proud to serve a diverse membership base that has grown to 118,905 individuals who trust us with their financial needs. At Meritrust, our mission is clear: to empower our members with the financial tools they need for success. We offer a wide range of services including personal banking, auto loans, mortgages, credit cards, and business banking solutions. Our commitment extends beyond just financial transactions; we strive to make a positive impact in the Lawrence community through various outreach programs and partnerships. As we celebrate our history, we also embrace the future. Our branch boasts modern digital advancements that allow members easy access to online and mobile banking services. We prioritize accessibility for all by ensuring our facilities comply with ADA standards. While we currently do not offer drive-thru banking or ATM services at this location, our focus remains on providing personalized service through every interaction. Our team is dedicated to creating an inviting environment where every member feels valued. Whether you're visiting us in person or engaging with us online, we aim to provide an exceptional experience that exceeds expectations. For official correspondence, please note that while you can visit us at 650 Congressional Dr, you may also reach out via phone at 785-393-4097. Join us as we continue this journey together experience the benefits of being part of Meritrust and let us help you achieve your financial goals!

Branch Location & Accessibility

Welcome to Meritrust at our Lawrence West branch, conveniently located at 650 Congressional Dr, Lawrence, KS 66049. Our branch is easy to find and accessible for all members of the community. Whether you're visiting us for personal banking needs or looking to explore our loan options, we're here to help! While you can reach us at this address, please note that any official correspondence should be sent to the same address: 650 Congressional Dr, Lawrence, KS 66049-4869. This helps ensure that your messages reach us without delay. Situated near popular landmarks in Lawrence, our branch is just a stone's throw away from local shopping areas and parks, making it a convenient stop during your daily errands. We prioritize accessibility with features like ramps and ADA-compliant entrances to ensure everyone can visit us comfortably. At Meritrust, we understand how busy life can get, which is why we offer flexible operating hours designed around your schedule. Our doors are open on weekdays to serve you better. If you have questions or need assistance, don't hesitate to give us a call at 785-393-4097. While we currently do not have ATM services or drive-thru banking available at this location, our friendly team is ready to assist you inside the branch with a variety of services including checking and savings accounts, auto loans, mortgage refinancing, and business banking solutions. We invite you to come by and experience the warm and welcoming atmosphere of Meritrust Lawrence West. Let's work together toward achieving your financial goals!

Member Eligibility

Becoming a member of Meritrust is like joining a close-knit community where your financial well-being is the priority. To be eligible, you simply need to live, work, worship, or attend school in the area we serve. This means that if you're part of our local community in Lawrence, KS, you're already on your way to enjoying the benefits of membership. Not only do we provide personalized service and competitive rates, but as a member, you also gain access to a range of financial products tailored to meet your needs. The process of becoming a member at Meritrust is straightforward and welcoming. You can find detailed eligibility criteria by visiting this link. If you have any questions or need assistance, don't hesitate to reach out to us at (785) 393-4097. We're excited to help you start this journey towards better financial health right here at 650 Congressional Dr Lawrence Ks 66049!

Business Banking & Commercial Services

Financing Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $400 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $10 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $156,122,522, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Sense

In addition to loans, our merchant services simplify everyday transactions. Imagine a busy café owner who needs quick access to funds. With our easy-to-use payment processing solutions, they can accept payments seamlessly, manage inventory efficiently, and enjoy faster cash flow all essential for keeping their business thriving. Whether you're a member or a non-member, our dedicated team at Meritrust is here to help you navigate your business banking needs. Reach out today at (785) 393-4097 and let us be part of your success story!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

While we currently do not have ATMs at our branch location, we ensure that cash withdrawal services remain accessible through partnerships and shared networks for added convenience. At Meritrust, we strive to create an environment where our members feel valued and supported in their financial endeavors. If you have any questions or need assistance in choosing the right service for you, please don't hesitate to reach out at (785) 393-4097 or visit us at 650 Congressional Dr Lawrence Ks 66049. Explore how we can assist you today by visiting our website: Lawrence West. Your financial well-being is our top priority!

Auto Loans & Vehicle Financing

Thinking of buying a new car? Our Auto Loans & Vehicle Financing options are designed with competitive rates and flexible terms, making it easier for you to get behind the wheel of your dream vehicle. We work with you to ensure that financing fits comfortably within your budget.

Business Banking

For our business members, we offer robust Business Banking solutions including Merchant Services & Business Loans. Whether you're starting a new venture or looking to expand an existing business, our tailored services are designed to support your growth and success.

Credit Cards with Rewards

Enjoy everyday spending while earning rewards with our Credit Cards with Rewards program. It's perfect for those who want to make their purchases work for them, offering cashback and points redeemable for travel or merchandise.

Mortgage Loans & Refinancing

Buying a home is one of the most significant decisions you'll ever make. Our Mortgage Loans & Refinancing services are here to assist you every step of the way. We help simplify the mortgage process, so whether you're purchasing your first home or looking to refinance an existing loan, we provide personalized support.

Online & Mobile Banking

In today's fast-paced world, managing your finances on-the-go is essential. With our comprehensive Online & Mobile Banking options, you can access your accounts anytime, anywhere. Pay bills, transfer funds, and check balances all from the palm of your hand.

Personal Banking

We offer various personal banking solutions, including Checking & Savings Accounts tailored to help you manage your day-to-day finances effectively. Whether you're saving for a special occasion or simply looking for a safe place to store your money, we've got you covered.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our Personal Loans & Debt Consolidation services give you the flexibility and peace of mind needed during tough times. We aim to help simplify your finances by combining multiple debts into one manageable payment.

Digital & Online Banking

Easy Online Access

Our online banking service at https://www.meritrustcu.org/home/home allows you to check balances, pay bills, and transfer funds with just a few clicks. Whether you're at home or on the go, managing your money has never been more convenient.

Go Green with E-Statements

Say goodbye to paper clutter! We offer e-statements, making it easy for you to view your account statements online. This not only helps you keep track of your finances but also contributes to a greener planet.

Mobile Banking Made Simple

Our mobile application makes banking even easier. You can use mobile payments to shop securely from your phone and enjoy person-to-person transfers to send money quickly to friends or family. All these features are designed for seamless interaction right from your pocket. With all these tools at your fingertips, Meritrust empowers you to take control of your financial journey effortlessly. Join us today and experience the convenience of modern banking!

Stay Secure and In Control

Security is a top priority for us. With features like electronic signature authorization, you can complete transactions safely without needing to visit a branch. Plus, our 24/7 online banking services ensure that you always have access to your account when you need it.

Financial Strength

At Meritrust, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to maintaining a strong financial foundation that allows us to offer you the best services and support. With a net worth of $180,863,265, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $916 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $514,779,988 in share certificates and $311,878,966 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $79,339,222, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. We also have $153,155,187 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; with $36,552 in used auto loans and $1,558,665,059 in total loans and leases, we support your financial goals across various sectors. Our operational efficiency shines through with a reported net income of $6,034,126, which enables us to continue offering competitive loan rates and solid financial products for our members. We are proud to have a dedicated team of 363 full-time employees and 6 part-time employees who are always ready to assist you. Additionally, our net shares available for lending amount to $0, while our total share accounts reflect trust from our community with 238,223 accounts. This strong member base highlights the confidence you place in us. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Meritrust is your trusted partner. Visit us at 650 Congressional Dr Lawrence Ks 66049 or call (785) 393-4097 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.*

Loan Offering

Additional Benefits

At Meritrust, we also understand the importance of refinancing options. If you're looking to lower your payments or access equity from your current loans, we can help you find solutions that work for you. Be sure to inquire about eligibility options that might be available! Our team is dedicated to providing personalized service and guidance throughout your borrowing experience. To learn more about our loan offerings or get started on your application, give us a call at (785) 393-4097 or visit us at our branch located at 650 Congressional Dr Lawrence Ks 66049 in Lawrence, KS. 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 reach your financial aspirations with confidence!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $600,420,878 in used vehicle loans and $156,308,074 in new vehicle loans already helping members get on the road. We provide financing options that make it easy for you to purchase the vehicle you need.

Business Financing

For business owners, our outstanding commercial loans totaling $156,122,522 provide the capital needed to grow and expand your business. Whether you need funds for equipment purchases or working capital, we are ready to support your entrepreneurial journey.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $27,247,435 in loans helping members manage their finances effectively. This option is perfect for those who want to consolidate debt or handle unexpected expenses without the burden of high-interest rates.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $36,517,996, make buying or refinancing simple. We're here to guide you through the process, whether you're a first-time buyer or looking to refinance an existing mortgage.

Loan Aggregator

Benefits of Using LendMesh

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Call to Action

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.*

Ensuring Accurate Loan Comparisons

LendMesh sources its loan 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 ensures that all offers are fair and transparent.

Meritrust