Miami Postal Service Credit Union Miami FL | Best Auto Loans & Business Banking

Introduction

Welcome to Miami Postal Service, your trusted financial partner located at 2190 NW 72Nd Ave, Miami, FL 33122. Since our establishment in 1991, we have proudly served our community with a strong commitment to member satisfaction and financial growth. With over 13,372 members and total assets of $193,729,496, we strive to provide personalized banking solutions tailored to meet your unique needs. At Miami Postal Service, we understand the importance of accessible banking. That's why we offer a range of services including checking and savings accounts, auto loans, mortgage loans, personal loans, credit cards with rewards, and business banking options. Whether you're looking to buy a new car or save for your future, our dedicated team is here to help you every step of the way. Our CEO, Jace Reyes, along with Board President Jennifer David, leads a team of 47 employees who are passionate about making banking easier and more beneficial for our members. We take pride in our financial stability, demonstrated by our net worth of $22,147,434 and total deposits amounting to $23,572,510. While you can visit us at our branch for all your banking needs, please remember that official correspondence should be directed to our mailing address: 2190 NW 72 Avenue, Miami, FL 33122. With a focus on community impact and member support, we're not just another financial institution we're your neighbor. We invite you to stop by or call us at 305-592-7733 to learn more about how we can assist you today! Explore our website at mpscu.org for more information on how to become a member or open an account. Your financial journey starts here!

Branch History & Mission

Join Us Today!

As we continue this journey together, we invite you to become part of the Miami Postal Service family. Experience firsthand the benefits of membership from competitive loan rates to exceptional customer service. Together, let's build a brighter financial future! For more information or to join us today, please visit our website or call us at 305-592-7733.

Our Evolution

Since opening our doors, Miami Postal Service has continually evolved to meet the changing needs of our members. From the very beginning, we focused on providing personalized banking services that empower individuals and families to achieve their financial goals. We are proud to offer a wide range of services including personal banking, auto loans, mortgage refinancing, and business banking solutions. Our growth reflects not only our dedication to excellent service but also our commitment to community support. Through partnerships with local organizations and outreach initiatives, we strive to make a positive impact in Miami-Dade County.

Our Mission

At the heart of Miami Postal Service is our mission: to provide affordable financial services while fostering a sense of community and belonging among our members. We believe that everyone deserves access to quality banking options that enhance their lives. Whether it's helping members secure their first home or offering financial education workshops, we aim to empower every person who walks through our doors. We understand that in today's fast-paced world, convenience matters. That's why we have embraced digital advancements like online banking and mobile payments. Our members can easily manage their accounts anytime and anywhere while still enjoying the personal touch they expect from us. While members can visit us at 2190 NW 72nd Ave for all their banking needs, official correspondence should be sent to the same address as well. Our operating hours are designed to accommodate busy schedules: Monday through Friday from 9 AM - 5 PM (with extended hours on USPS paydays), and Wednesday from 9:30 AM - 5 PM.

Branch Location & Accessibility

A Welcoming Environment

As part of our commitment to serving our members well, we also offer shared services for partner credit union members making it even easier for you to access basic transactions like deposits and withdrawals. We invite you to come visit us at Miami Postal Service! Our dedicated team is ready to assist you with personal banking services including checking and savings accounts, auto loans, mortgages, personal loans with debt consolidation options, and more. If you have questions or need assistance before stopping by, feel free to give us a call at 305-592-7733. We look forward to welcoming you soon!

Convenience and Accessibility

Our branch is designed with your convenience in mind. Parking is available nearby, making it easy for you to pop in and take care of your banking tasks. We are proud to be ADA compliant, ensuring that everyone can access our services comfortably. For those who prefer digital solutions, we offer a full range of online and mobile banking options. You can easily manage your accounts from the comfort of home or on the go! Plus, with ATM availability right here at our branch, cash withdrawals are quick and hassle-free.

Friendly Operating Hours

At Miami Postal Service, we know that life can get busy. That's why we offer flexible operating hours! Our lobby is open Monday, Tuesday, Thursday, and Friday from 9 AM to 5 PM. On Wednesdays, we open slightly later at 9:30 AM but still close at 5 PM. If you're a USPS member looking to bank on paydays (every other Friday), we're here for you from 8:30 AM until 6 PM!

Member Eligibility

Joining the family at Miami Postal Service is an exciting step towards better banking, and we welcome you with open arms! If you live, work, or worship in the Miami area, you're likely eligible to become a member. We believe in inclusivity, so whether you're a student starting your financial journey or a seasoned professional looking for better service, we have something for everyone. To get all the details about eligibility requirements, please visit us at http://www.mpscu.org/become-a-member . The process of opening an account is straightforward and welcoming just reach out to us at (305) 592-7733 or check out our application page at https://www.mpscu.org/apply-now . Your new financial home awaits at 2190 Nw 72Nd Ave Miami Fl 33122, where you'll find not just services but a community that cares about your financial well-being!

Business Banking & Commercial Services

At Miami Postal Service, we understand that every business has unique needs and dreams. Whether you're a budding entrepreneur or an established company, having the right financial support can make all the difference. 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. Imagine needing quick access to funds for purchasing new equipment or expanding your storefront. Our merchant services are designed to simplify transactions so you can focus on what matters most running your business smoothly. From easy payment processing to managing cash flow, we provide the tools you need to thrive. Located at 2190 Nw 72Nd Ave Miami Fl 33122 in Miami, FL, we're here to help you navigate your financial journey with personalized service. Connect with us today at (305) 592-7733 or visit our website at https://www.mpscu.org/ to learn how we can support your business ambitions!

Comprehensive List Of Services

Business Banking Support

For small business owners, we understand that managing finances can be challenging. That's why we offer tailored business banking solutions, including merchant services and business loans, to support your growth and operations.

Digital Convenience

In today's fast-paced world, convenience matters. With our advanced online and mobile banking services, you can access your accounts anytime, anywhere. Need to check your balance or make a transfer? It's all just a few taps away on our user-friendly app. We also provide easy ATM access for cash withdrawals and balance checks, ensuring that your funds are always within reach.

Financial Flexibility

Need some extra cash? Our personal loans and debt consolidation services can give you the financial flexibility you need to tackle unexpected expenses or consolidate existing debts into one manageable payment. Plus, with our credit cards featuring rewards, you can earn points on everyday purchases, turning spending into savings.

Personal Banking Solutions

We offer a variety of personal banking options tailored just for you. Our checking and savings accounts are designed to help you save for the future while keeping your money accessible for everyday needs. If you're considering buying a new vehicle, our auto loans and vehicle financing options provide competitive rates that can get you on the road without breaking the bank. For those thinking about home ownership or refinancing, our mortgage loans come with flexible terms that fit your lifestyle.

Shared Branch Services

If you're a member of a partner credit union, you'll appreciate our basic shared branch transactions, which allow deposits and withdrawals at our location. We aim to make banking easy for everyone in our community. At Miami Postal Service, we're not just about transactions; we're about building relationships and supporting your financial journey. If you have any questions or want to learn more about how we can assist you, please don't hesitate to reach out! Give us a call at (305) 592-7733 or visit us online at Main Office. We look forward to serving you!

Digital & Online Banking

Key Features

Our online banking services are available 24/7, so you can check your account balances, transfer funds, and pay bills at your convenience. Whether it's early in the morning or late at night, you have access to your financial information whenever you need it. For those who prefer mobile banking, our dedicated mobile application is ready for download, giving you the flexibility to manage your accounts right from your phone. You can also enjoy the benefits of mobile payments, making transactions as simple as a tap on your device. Need to send money quickly? Our person-to-person transfer feature allows you to send funds easily to friends and family without any hassle. And with electronic signature authorization, signing documents online has never been simpler or more secure.

Security and Accessibility

Your security is our top priority. At Miami Postal Service, we use advanced technology to protect your personal information and ensure safe transactions. Plus, with e-statements available, you can reduce paper clutter while keeping track of your finances securely online. We believe that banking should fit into your lifestyle seamlessly. That's why we focus on providing accessible solutions that make real-time account management straightforward for everyone. Explore all that our digital and online banking services have to offer today!

Financial Strength

A Growing Community

The strength of our community is reflected in the number of accounts we manage; with 25,196 share accounts established by trusting members like you, it's clear that more people are choosing Miami Postal Service as their preferred credit union. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Miami Postal Service is your trusted partner. Visit us at 2190 Nw 72Nd Ave Miami Fl 33122 or call (305) 592-7733 to learn more about how we can help you achieve your financial goals.

Commitment to Growth and Support

With $21,765,869 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust with $97,170 in used auto loans and $114,921,289 in total loans and leases supporting your financial goals across various sectors. Our operational efficiency shines through with a reported net income of $0, enabling us to continue offering competitive loan rates and solid financial products for you. We also take pride in having 45 full-time employees and 2 part-time employees who are always ready to serve you with knowledgeable support.

Member-Centric Savings Options

Your savings are secured through $58,936,814 in share certificates, offering stable and rewarding growth opportunities. Though we currently do not have money market shares to report, our focus remains on maximizing your benefits as a valued member. 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.

Solid Financial Foundations

With a net worth of $22,147,434, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our commitment to providing a secure banking experience is further illustrated by our impressive net worth ratio of $1,141, which demonstrates a solid capital foundation. This ensures 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, with over $44,909,467 in used vehicle loans and $23,723,185 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have options that can work for you.

Credit Lines

For those needing additional flexibility with their finances, our credit lines totaling $10,000,000 can be an excellent solution. This option allows members to access funds as needed without the commitment of a traditional loan. If you're considering refinancing any existing loans or are unsure about eligibility for one of our products, don't hesitate to reach out. Our team is here to guide you through the process and find the best solution tailored to your situation. 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 Miami Postal Service, we believe in empowering our members with clear and practical loan solutions that fit their needs. Visit us today or check out our website at mpscu.org to learn more about how we can help you take the next step towards your financial future!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $26,198,682, make buying or refinancing simple. We provide flexible terms and competitive rates to help you secure the home of your dreams.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $3,120,420 in loans helping members manage their finances effectively. These cards provide a convenient way to handle unexpected expenses while enjoying perks like rewards and cashback.

Loan Aggregator

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MIAMI POSTAL SERVICE CREDIT UNION - Miami, FL