Metro Employees Credit Union Lexington KY | Affordable Auto Loans & Business Banking

Introduction

Welcome to Metro Employees, your trusted partner in financial success right here in Lexington, KY! Located at 101 E Vine St Ste 101, we have proudly served our community since 1940, building lasting relationships with our 4,692 members. At Metro Employees, we believe that banking should be personal and accessible, which is why we are dedicated to offering a range of services tailored to meet your needs. Our commitment to our members is reflected in our impressive financial standing. With $49,098,087 in total assets and over $6,906,968 in deposits, we work diligently to ensure your money is secure and growing. Whether you're looking for an auto loan or personal banking solutions, our total loans amount to 2,212, showcasing the support we provide to help you reach your financial goals. While you can visit us at our branch for assistance, please note that any official correspondence should be sent to our mailing address: 101 E VINE ST STE 101, Lexington, KY 40507-1459. Under the leadership of our CEO, Piper Graham, and Board President Jasie Carroll, we strive to make a positive impact on the lives of those we serve. Our dedicated team of 12 employees is here to assist you from Monday through Friday, 8:30 AM to 4:30 PM. We invite you to explore all that Metro Employees has to offer by visiting our website at metroemployeescu.org or giving us a call at 859-258-3820. Join us today and experience the difference of being part of a credit union that truly cares about its members!

Branch History & Mission

At Metro Employees, we take pride in our rich history and unwavering commitment to the community. Established in 1940, our branch has been a cornerstone of financial support for individuals and families in Lexington, KY. Over the decades, we've grown alongside our members, adapting to their needs and evolving to provide a wide range of services. Located at 101 E Vine St Ste 101, our branch is easily accessible and close to several local landmarks, making it a convenient stop for all your banking needs. With a total membership of 4,692 and total assets reaching $49,098,087, we have become a trusted partner for many in the community. Our mission at Metro Employees is simple yet powerful: we aim to empower our members through personalized financial solutions while fostering a supportive environment. We believe that everyone deserves access to quality financial services, whether it's personal banking, auto loans, or mortgage refinancing. Our dedicated team works tirelessly to ensure that each member feels valued and supported on their financial journey. While you can visit us at our branch location for all your banking needs during our operating hours Monday through Friday from 8:30 AM to 4:30 PM official correspondence should be sent to 101 E VINE ST STE 101, Lexington, KY 40507-1459 if needed. Metro Employees is proud to offer modern conveniences such as online and mobile banking options. While we currently do not provide ATM services or drive-thru banking, our digital platforms allow you to manage your accounts with ease from anywhere. We are also committed to accessibility and inclusivity for all members. In addition to providing essential financial services, we prioritize community outreach and partnerships that uplift those around us. We understand that being part of a community means giving back and supporting local initiatives that make Lexington a better place for everyone. As we look towards the future, we invite you to join us at Metro Employees. Experience the difference of being part of a credit union that truly cares about its members and their financial well-being. Together, let's build a brighter tomorrow! For more information or to open an account today, please reach out at 859-258-3820 or visit our website at Metro Employees.

Branch Location & Accessibility

Easy Access and Parking

Finding us is a breeze! We offer accessible parking options right near our entrance, ensuring that everyone can visit us without hassle. Our location is designed to be welcoming and accommodating, including ADA-compliant features for those who need them.

Get in Touch!

If you have any questions or need assistance, don't hesitate to give us a call at 859-258-3820. We invite you to stop by our Lexington branch today and see how we can support your financial journey! While members can visit us at 101 E Vine St Ste 101, official correspondence should be sent to the same address for your convenience. We look forward to serving you!

Operating Hours

We understand that your time is valuable. That's why our doors are open Monday through Friday from 8:30 AM to 4:30 PM. Whether you need assistance with personal banking, auto loans, or any other services we offer, our friendly team is here to help during these hours.

Services Offered

At Metro Employees, we provide a range of banking services tailored to fit your needs. From checking and savings accounts to auto loans and mortgage refinancing, we have solutions for everyone. You can also take advantage of our online and mobile banking services for added convenience.

Member Eligibility

At Metro Employees, we believe that everyone deserves a supportive financial community, and becoming a member is your first step toward enjoying all the benefits we offer. To join us at our branch located at 101 E Vine St Ste 101 Lexington Ky 40507, you simply need to meet some straightforward eligibility criteria. If you're an employee or member of specific groups, such as local organizations or businesses, you're likely already eligible! We welcome individuals who live, work, or worship in our community, making it easy for many to join. For those interested in detailed eligibility requirements, feel free to check out our guidelines at https://metroemployeescu.digitalaccountopening.net/. Opening your account is a breeze! Just give us a call at (859) 258-3820 to get started or visit our website for more information on how to open an account online. Once you're a member, you'll gain access to a variety of financial products tailored just for you, from personal loans to rewarding credit cards. Join us today and experience the difference that being part of Metro Employees can make in your financial journey!

Business Banking & Commercial Services

Commercial Loans for Growth

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.

Merchant Services Made Easy

Imagine running your day-to-day operations without worrying about payment processing. Our merchant services make it simple for you to accept payments from customers, whether they're shopping online or at your physical location. This convenience not only enhances customer satisfaction but also streamlines your cash flow, allowing you to focus on what matters most growing your business. If you're ready to take your business to the next level, visit us at 101 E Vine St Ste 101 Lexington Ky 40507 in Lexington, KY or give us a call at (859) 258-3820. Let's work together to build a brighter future for your business!

Comprehensive List Of Services

Business Banking Support

For entrepreneurs and small business owners, Metro Employees provides essential business banking services. From merchant services that help you accept payments seamlessly to business loans designed to fuel growth, we're here to support your success every step of the way.

Convenient Access Anytime, Anywhere

We prioritize convenience at Metro Employees. With features like ATM access for cash withdrawals, alongside our robust online and mobile banking options, managing your finances has never been easier. Whether you're at home or on the go, staying connected with your accounts is simple and hassle-free. If you're ready to explore how these services can enhance your financial journey or if you have any questions about what we offer, don't hesitate to reach out! Call us at (859) 258-3820 or visit us at 101 E Vine St Ste 101 Lexington Ky 40507 during our lobby hours from Monday to Friday between 8:30 AM and 4:30 PM. At Metro Employees, we're committed to serving you today and in the future!

Flexible Lending Options

Life can throw unexpected expenses your way, and that's where our personal loans come into play. With options for debt consolidation, you can simplify your finances by combining multiple debts into one manageable payment. Additionally, our credit cards come with rewards programs that allow you to earn while you spend perfect for everyday purchases or special occasions.

Home Financing Solutions

When it comes to purchasing or refinancing your home, we know that every detail matters. Our mortgage loans cater to various budgets and needs, helping you navigate the home-buying process with confidence. You'll find personalized support and competitive rates that can ease the stress of finding the right loan.

Personal Banking Made Easy

Whether you're looking to open a checking or savings account, Metro Employees offers personal banking solutions designed for your lifestyle. Imagine easily managing your money through our online and mobile banking platforms, where you can check balances, transfer funds, and pay bills with just a few taps on your smartphone. Our services also include options for auto loans and vehicle financing, making it simpler than ever to drive away in your dream car.

Digital & Online Banking

Easy Money Transfers

Need to send money to a friend or family member? Our person-to-person transfer feature lets you send funds quickly and securely without the hassle of checks or cash. Just another way we make banking easier for you! With mobile payments available, you can even use your phone to make purchases in stores or online no need for cash or cards! At Metro Employees, we're committed to giving you the tools you need for real-time account management and financial control. Join us today and experience how simple banking can be!

Key Features

Our online banking platform allows you to check your balances, pay bills, and transfer funds with just a few clicks. Plus, if you prefer to manage your finances on the go, our mobile application makes it even easier. You can download it today and enjoy the convenience of banking right from your smartphone. For those who love keeping things paperless, we provide e-statements that allow you to view your account statements online whenever you need them. This not only saves trees but also helps keep your information organized and easily accessible.

Secure Transactions

Safety is a top priority at Metro Employees. We take security seriously, ensuring that all transactions made through our online services are protected. Although we do not offer electronic signature authorization at this time, rest assured that our other features still provide a safe environment for managing your money.

Financial Strength

Growth Through Earnings

Our commitment to growth is reflected in our $5,981,024 in undivided earnings. These funds allow us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. With $497 in used auto loans and $22,854,390 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Member-Centric Approach

We prioritize our members above all else. Currently, we have $7,098,402 in share certificates and $2,210,883 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, our focus is on benefiting you our valued member through better loan rates and exclusive perks.

Operational Efficiency

Our operational efficiency is highlighted by our current $33,400, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 11 full-time employees and 1 part-time employees who ensure that our branches are always ready to serve you with a knowledgeable, committed team.

Solid Foundation

With a net worth of $5,996,525, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.21% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Community Trust

Total Share Accounts stand at 9,713, showcasing a strong and growing member base that trusts us with their finances. As a cooperative credit union, we believe that your success is our success. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Metro Employees is your trusted partner. Visit us at 101 E Vine St Ste 101 Lexington Ky 40507 or call (859) 258-3820 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Loan Options

For those who need extra flexibility, our credit lines totaling $11,500,000 provide an easy way to access funds when needed. This option is perfect for unexpected expenses or larger purchases without the hassle of applying for a new loan each time. At Metro Employees, we believe in making banking easier for our members. Whether you're considering a loan for a major purchase or need support managing your finances, our experienced team is ready to assist you. If you're interested in exploring your eligibility or want to learn more about our loan offerings, feel free to reach out at (859) 258-3820 or visit us at 101 E Vine St Ste 101 Lexington Ky 40507 in Lexington, KY. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $7,773,544 in used vehicle loans and $2,517,887 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates tailored to fit your budget. Plus, our refinancing options can help you save even more if you currently have an auto loan elsewhere.

Credit Cards and Personal Financing

We also offer flexible terms on unsecured credit card loans, with a total of $823,961 in loans helping members manage their finances effectively. Our credit cards come with benefits that can reward you for everyday spending while keeping your finances manageable.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $3,579,197, make buying or refinancing simple. We offer various plans designed to meet different needs, whether you're a first-time homebuyer or looking to upgrade. Our team is here to guide you through every step of the process.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing 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 to transparency guarantees fair and transparent offers for all users.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Users receive up-to-date loan rates from multiple institutions, enabling informed decisions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" 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.

METRO PLUS CREDIT UNION - Lexington, KY

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