Merrimack Valley Credit Union Quincy MA | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to Merrimack Valley, your trusted financial partner located at 213 Independence Ave, Quincy, MA 02169. Established in 1955, we have proudly served our community for decades, growing alongside our members to meet their evolving financial needs. With a total membership of over 116,000 and assets exceeding $2.19 billion, we are committed to providing personalized services that make a real difference in the lives of those we serve. At Merrimack Valley, we believe in fostering strong relationships within our community. Our dedicated team of 315 employees, led by CEO John Howard and Board President Domenic Mazzocco, works tirelessly to ensure that you feel valued and supported every step of the way. We understand that financial decisions can be overwhelming, which is why we strive to offer clear guidance and tailored solutions. While members can visit us at our branch in Quincy for all their banking needs, official correspondence should be sent to the same address: 213 Independence Ave, Quincy, MA 2169. Whether you're looking for checking and savings accounts, auto loans, or business banking services, we've got you covered with options designed just for you. With total deposits reaching $48,648,750 and cash on hand amounting to $11,476,364, our financial health speaks volumes about our ability to support your aspirations. We're also proud of our robust loan portfolio that includes more than 38,650 loans and leases tailored to fit various needs. If you're ready to take the next step towards achieving your financial goals or simply want to learn more about what we offer, don't hesitate to reach out! You can call us at 617-786-0251 or visit our website at Merrimack Valley for more information. Join us today and discover how we can help you thrive!

Branch History & Mission

Community Engagement

Merrimack Valley believes in giving back. Through various partnerships and outreach efforts, we actively support local initiatives that uplift our community. We participate in events that promote education, health, and economic development ensuring that our impact extends far beyond financial transactions. While members can visit us at 213 Independence Ave for personal assistance, official correspondence should be sent to the same address as there is no separate mailing location. You can reach us at 617-786-0251 during regular operating hours from Monday through Friday between 9:00 AM and 5:00 PM. As we look ahead, we invite you to join our growing family at Merrimack Valley. Experience firsthand the benefits of being part of a credit union that truly cares about your financial future and community well-being. Together, let's build a brighter tomorrow!

Our Mission

Our mission at Merrimack Valley is simple yet powerful: to enhance the financial well-being of our members while making a positive impact on the communities we serve. We strive to provide personalized banking solutions that range from checking and savings accounts to auto loans, mortgages, and credit cards with rewards. We understand that every member's journey is unique, which is why we prioritize tailored service and support. In addition to traditional banking services, we are dedicated to embracing technology for a better member experience. Our online and mobile banking options allow for easy access to accounts anytime, anywhere. Whether you prefer visiting us in person or managing your finances digitally, we're here for you.

Branch Location & Accessibility

Accessible and Convenient

At our Quincy branch, we prioritize accessibility for all our members. You'll find ample parking available right outside our doors, along with ADA-compliant features such as ramps to ensure everyone can access our services with ease. If you're in need of quick banking solutions, take advantage of our drive-thru service where you can complete simple transactions without leaving your vehicle.

Comprehensive Banking Hours

We understand that life can be busy, so we strive to make banking as convenient as possible. Our lobby hours are Monday through Friday from 9 AM to 5 PM, allowing you plenty of time to visit us after work or during lunch breaks.

Services Tailored for You

Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, our dedicated staff is here to help you every step of the way. We also offer online and mobile banking services so you can manage your accounts on-the-go. Plus, with ATM access readily available, withdrawing cash or checking your balance is just a few taps away.

We're Here for You!

If you have any questions or need assistance, don't hesitate to call us at 617-786-0251. We invite you to visit us at our Quincy branch soon experience the warm welcome of Merrimack Valley Credit Union!

Member Eligibility

At Merrimack Valley, we believe that everyone deserves a supportive financial community. Becoming a member is simple and welcoming! If you live, work, worship, or go to school in Norfolk County, you're already eligible to join us. We also invite family members of existing members to become part of our cooperative. Joining Merrimack Valley opens the door to a range of benefits, including competitive rates on loans and savings accounts, personalized service, and access to exclusive member events. To get started, simply visit our website at this link for more details on eligibility requirements. Once you're ready to open an account, the process is straightforward. You can complete your application online through this account opening page. If you have any questions or need assistance along the way, feel free to call us at 617-786-0251. We're excited to welcome you into the Merrimack Valley family at 213 Independence Ave, Quincy, MA 02169!

Business Banking & Commercial Services

Practical Merchant Services

Alongside our loan offerings, we provide essential merchant services that help streamline your operations. Imagine processing transactions effortlessly while ensuring secure payments allowing you more time to focus on what truly matters: growing your business. Our services are designed to meet the demands of today's marketplace, making it easier for you to connect with customers. Visit us at 213 Independence Ave Quincy Ma 02169 in Quincy, MA, or call us at (617) 786-0251 to learn how we can support your business journey!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $197 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $50 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $114,934,233, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Convenient Access at Your Fingertips

We know that convenience matters. That's why we offer ATM and cash withdrawal services along with basic drive-thru banking for quick deposits and withdrawals. Even if you're on the go, our ATM network ensures you can access your cash easily. With features like person-to-person payments, transferring money has never been easier. Our commitment extends beyond traditional banking; we're here to ensure you have modern solutions at your fingertips.

Flexible Financing Solutions

Need a new car? Our auto loans and vehicle financing options make it easy to hit the road in style. We offer competitive rates that can help you get behind the wheel without breaking the bank. If you're thinking about buying a home, our mortgage loans and refinancing services are here to assist you through every step of the process. We aim to make homeownership attainable and stress-free. For those unexpected expenses or projects around the house, our personal loans and debt consolidation services provide flexible solutions tailored just for you. Plus, with our credit cards featuring rewards, every purchase can bring you closer to earning points for exciting rewards.

Join Us Today!

At Merrimack Valley, we believe in building lasting relationships with our members by offering comprehensive financial solutions that empower them. If you're ready to take control of your finances or explore any of our services, don't hesitate to reach out! Call us at 617-786-0251 or visit us at our Quincy branch today! You'll find everything you need under one roof because at Merrimack Valley, it's all about making banking easier for you.

Personal Banking Made Easy

In today's fast-paced world, managing your finances should be simple and convenient. Our personal banking options include checking and savings accounts designed to fit your lifestyle. Imagine having easy access to your funds whenever you need them whether it's paying bills online or saving for a dream vacation. With our online and mobile banking services, you can check balances, transfer money, and manage your accounts right from your smartphone or computer.

Supporting Your Business Endeavors

If you're a business owner or aspiring entrepreneur, we understand that having the right financial tools is crucial. Our business banking services, which include merchant services and business loans, are tailored to help your business thrive. You can focus on what you do best while we support your financial needs.

Digital & Online Banking

Key Features

Our online banking services include e-statements, which provide a quick and easy way to view your account activity without the clutter of paper statements helping you stay organized and environmentally friendly. Plus, with our mobile application available for download, managing your finances on the go has never been easier! For those moments when you need to send money quickly, our person-to-person transfer feature allows you to send funds to friends and family instantly. And if you're looking to make purchases without fumbling for cash or cards, our mobile payments feature lets you pay directly from your phone. While we don't offer electronic signature authorization at this time, rest assured that our team is here to assist you with any transactions or questions you may have. We're dedicated to providing user-friendly tools that make your banking experience straightforward and efficient. With all these features at your fingertips through Yes, managing your finances has never been more convenient. Join us at Merrimack Valley and experience how easy banking can be!

Financial Strength

Member-Focused Resources

Members' savings are secured through $464,195,979 in share certificates and $92,221,442 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $1,843,093, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $0 net income, indicating that while we aim for growth sustainably without compromising service quality or member satisfaction. We also take pride in having 305 full-time employees and 10 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable team.

Reinvesting for Growth

With $96,932,529 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors with $13,146 in used auto loans and a total of $1,583,810,130 in loans and leases.

Solid Foundation

With a net worth of $220,939,133, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1009 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trustworthy Community Engagement

Total Share and Deposit Accounts stand at 232,148, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $0, which reflects our commitment to keeping resources available for our members' needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Merrimack Valley is your trusted partner. Visit us at 213 Independence Ave Quincy Ma 02169 or call 617-786-0251 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $176,952,805 in used vehicle loans and $44,409,050 in new vehicle loans already helping members get on the road. Whether you're interested in a brand-new model or a reliable used car, we have flexible options to fit your budget.

Business Loans

For business owners looking to grow and expand their operations, our outstanding commercial loans total $114,934,233. These loans provide essential capital that can help you invest in your business's future. At Merrimack Valley, we pride ourselves on offering personalized service and expert guidance as you navigate your financial journey. If you're interested in learning more about any of these loan products or exploring refinancing options, please reach out to us at 617-786-0251. 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 take the next step towards achieving your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing straightforward. We offer Junior Lien 1-4 Family Residential Properties loans totaling $170,913,579, designed to help you secure the home you've always wanted. If you're considering refinancing your current mortgage, we can guide you through eligibility options to find the best solution for your situation.

Unsecured Credit Card Loans

Managing finances effectively is important, and our unsecured credit card loans can help with that. We currently have $17,082,682 in unsecured credit card loans available for our members. With flexible terms and competitive rates, our credit cards are designed to provide you with convenience while keeping your expenses manageable.

Loan Aggregator

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MERRIMACK VALLEY CREDIT UNION