Miami University Community Credit Union Oxford OH | Best Auto Loans & Top Checking Accounts

Introduction

Welcome to the Miami University Community Federal Credit Union, where your financial well-being is our top priority! Located at 5120 College Corner Pike, Oxford, OH 45056, we have been serving our members since 1969. With over 4,600 members and a robust asset base of $71,293,664, we pride ourselves on being a trusted financial partner in our community. At Miami University Community, we understand that every member has unique needs. That's why we offer a wide range of services from personal banking solutions like checking and savings accounts to auto loans, mortgages, and business banking options. Whether you're looking to secure your first home or finance a new vehicle, we're here to help you navigate your financial journey with ease. Our commitment to our members goes beyond just banking. We believe in building strong relationships within the community while providing personalized service that truly makes a difference. Under the leadership of CEO James Schultheiss and Board President Bruce Guiot, our dedicated team of 14 employees works tirelessly to ensure you receive the best possible experience every time you interact with us. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 5120 College Corner Pike, Oxford, OH 45056. If you have any questions or need assistance, don't hesitate to reach out! You can call us at (513) 523-8888 during our operating hours: Monday through Thursday from 9 AM to 5:30 PM and Friday from 9 AM to 6 PM. Join us at Miami University Community Federal Credit Union today and discover how we can help you achieve your financial goals. Visit our website at www.muccu.org for more information on our services or to apply for an account online. Your future starts here!

Branch History & Mission

The Miami University Community Federal Credit Union has been a cornerstone of financial support and community connection in Oxford, Ohio, since its establishment in 1969. Over the years, we have evolved from a small organization into a thriving institution, now proudly serving over 4,600 members. Our branch is located at 5120 College Corner Pike, conveniently positioned near local landmarks that make it easily accessible for our community. Our mission is simple yet profound: to provide exceptional financial services while fostering a spirit of community and inclusivity. We strive to empower our members by offering a range of products such as checking and savings accounts, auto loans, mortgage options, and credit cards with rewards. Beyond just banking, we are dedicated to supporting local initiatives and outreach programs that enrich the lives of those in Oxford and the surrounding areas. From humble beginnings, we have grown significantly. Today, our total assets amount to an impressive $71,293,664. This growth reflects not just our financial stability but also our commitment to serving our members' needs effectively. We understand that being part of a credit union means more than just transactions; it's about building relationships based on trust and mutual respect. While members can visit us at 5120 College Corner Pike for all their banking needs, official correspondence should be sent to the same address as our mailing address. Our operating hours are designed with convenience in mind: Monday through Thursday from 9 AM to 5:30 PM and Friday from 9 AM to 6 PM. For those who prefer digital banking solutions, we offer online banking services along with mobile payments and person-to-person transfers. Accessibility is key for us. That's why we ensure our services include ATM availability and drive-thru banking options for quick transactions without leaving your vehicle. As a member-focused organization, we continually seek ways to enhance your experience through technology while maintaining compliance with ADA standards. In addition to providing financial services, we believe in giving back to our community. Our partnerships with local organizations help us create programs that directly benefit residents of Oxford and beyond. Whether it's sponsoring events or participating in community service projects, we are committed to making a positive impact. Join us at Miami University Community Federal Credit Union where you're not just a member; you're part of a community dedicated to helping each other thrive financially and socially. Experience the difference today! For more information or assistance, feel free to call us at 513-523-8888 or visit our website at www.muccu.org.

Branch Location & Accessibility

Welcome to the Miami University Community Federal Credit Union, located conveniently at 5120 College Corner Pike in Oxford, Ohio. Our branch is not just a place to manage your finances; it's a community hub where members can access a wide range of services tailored to meet their needs. Whether you're stopping by for a quick transaction or looking for personalized financial advice, our friendly team is here to help. You'll find us nestled close to local landmarks that make it easy to swing by during your day. Our branch is accessible with ample parking available, and we ensure that everyone can visit us comfortably with ADA-compliant features throughout the facility. Plus, for those on the go, we offer drive-thru banking services for quick deposits and withdrawals without leaving your car. We understand that your time is valuable, which is why our operating hours are designed with you in mind. We're open Monday through Thursday from 9:00 AM to 5:30 PM and Fridays until 6:00 PM, giving you plenty of opportunities to stop in. If you're ever in need of cash or want to check your balance, our ATM is also readily available for your convenience. While members can visit us at 5120 College Corner Pike, official correspondence should be sent to the same address. If you have any questions or need assistance, don't hesitate to give us a call at 513-523-8888. We invite you to come by and experience the welcoming environment at Miami University Community Federal Credit Union your trusted partner in financial success!

Member Eligibility

At Miami University Community, we believe that becoming a member means joining a community that truly cares. We welcome anyone who lives, works, or studies in the Oxford area to join us. Whether you're a student at Miami University or a local resident, you can enjoy the benefits of our services tailored just for you. Our membership offers access to a variety of financial products designed to help you thrive, from personal loans to convenient online banking options. Getting started is simple! Just visit us at 5120 College Corner Pike Oxford Oh 45056 or give us a call at (513) 523-8888 for more information on how to open your account. For detailed eligibility criteria, feel free to check out our website at . We're excited to have you as part of our family!

Business Banking & Commercial Services

Business 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 $57 in non-member commercial loans, providing flexible financing solutions. Imagine a local bakery wanting to expand its operations. With access to our tailored commercial loans, they can purchase new equipment or renovate their space, making it more inviting for customers. This kind of investment not only enhances their service but also boosts local employment and drives economic growth.

Merchant Services

In addition to loans, we offer merchant services that simplify payment processing for your business. Picture a bustling café where customers can easily pay with their cards or mobile wallets. Our merchant services ensure transactions are smooth and secure, helping you focus on what you do best serving delicious coffee and pastries! With personalized support at our location in 5120 College Corner Pike Oxford Oh 45056, Oxford, OH, we're here to help you thrive. Contact us today at (513) 523-8888 or visit our website at https://www.muccu.org/ to learn more about how we can assist your business!

Comprehensive List Of Services

Accessing Our Branch

For those who prefer in-person banking, our basic drive-thru banking service allows for quick deposits and withdrawals without leaving your car. And if you're stopping by, you'll find us ready to assist during our lobby hours: Monday through Thursday from 9 AM to 5:30 PM and Friday from 9 AM to 6 PM. If you're interested in learning more about how Miami University Community can support your financial journey, don't hesitate to reach out! Call us at 513-523-8888, visit us online at www.muccu.org, or stop by our branch today. We look forward to serving you!

Business Banking Services

For entrepreneurs and small business owners, we offer comprehensive Business Banking solutions. From merchant services that simplify payment processing to business loans designed to fuel growth, we have what you need to succeed in today's competitive environment.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking platforms so you can manage your accounts anytime, anywhere. With features like person-to-person payments and mobile deposits, banking has never been easier. Our ATM and cash withdrawal services ensure that accessing your funds is always straightforward.

Credit Cards with Rewards

Our Credit Cards with Rewards program lets you earn benefits for every purchase you make. This not only enhances your shopping experience but also helps you save on future expenses, making it a win-win for all our cardholders.

Personal Banking Solutions

We understand that managing finances can sometimes feel overwhelming. That's why we offer Personal Banking services including checking and savings accounts that help you keep track of your money effortlessly. If you're considering purchasing a vehicle, our Auto Loans & Vehicle Financing options provide flexible terms and competitive rates to get you on the road without breaking the bank. When it comes to buying a home, our Mortgage Loans & Refinancing services allow you to explore various options tailored to fit your budget. For those unexpected expenses or projects around the house, our Personal Loans & Debt Consolidation solutions can help streamline your finances and put you back in control.

Digital & Online Banking

Convenient Features Just for You

Our mobile application enhances your banking experience further by allowing you to manage your accounts right from your smartphone. With features like mobile payments and person-to-person transfers, sending money to friends or family is quick and easy. Plus, e-statements are available for those who prefer paperless options, making it simpler to keep track of your transactions while being eco-friendly.

Easy Access to Your Accounts

With our online banking platform, available at https://www.muccu.org/, you can check balances, pay bills, and transfer funds with just a few clicks. Enjoy the freedom of 24/7 access to your accounts without the need to visit a branch. Whether you're at home or on the go, you'll have real-time control over your finances.

Security You Can Trust

Your security is our top priority. While we don't currently support electronic signature authorization, we utilize strong encryption methods to ensure that your personal information remains safe as you navigate through our services. You can bank with peace of mind knowing that we're committed to protecting your data. At Miami University Community, we're dedicated to providing tools that make banking easier for you. Explore our digital banking options today and discover how simple managing your finances can be!

Financial Strength

At Miami University Community, 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 understand that in today's world, knowing your credit union is financially strong is vital for your peace of mind. That's why we want to share our solid financial standing with you. With a net worth of $8,886,807, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,247 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 $16,283,924 in share certificates and $7,725,113 in money market shares, offering stable and rewarding financial growth opportunities. 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. With $8,594,384 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to lending is reflected in the $411 in used auto loans and $39,360,673 in total loans and leases, supporting your financial goals across various sectors. Our operational efficiency shines through with a net income of $292,423, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 13 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. The strength of our membership base is evident as well; we have a total of 9,823 share accounts. This shows that more people trust us with their finances every day. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Miami University Community is your trusted partner. Visit us at 5120 College Corner Pike Oxford Oh 45056 or call (513) 523-8888 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

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $3,035,252 in used vehicle loans and $2,655,448 in new vehicle loans already helping members get on the road. We make the process easy and straightforward, so you can focus on what matters most enjoying your new ride.

Credit Lines

For those who need extra flexibility in managing their expenses or projects, our total credit lines amount to $12,400,921. This option allows you to borrow only what you need when you need it, providing peace of mind for unexpected expenses.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $7,973,323, make buying or refinancing simple. Whether you are a first-time buyer or looking to refinance an existing mortgage, our team is here to guide you through every step.

Refinancing Options

If you're considering refinancing any of your existing loans or mortgages to take advantage of better rates or terms, we can help with that too! Our refinancing options are designed to save you money and simplify your payments. Our friendly staff at Miami University Community is ready to assist you with any questions about eligibility or the application process. Feel free to reach out at (513) 523-8888 or visit us at 5120 College Corner Pike Oxford Oh 45056, located in beautiful Oxford, OH. For further details on our loan offerings and how they can fit into your financial plans, visit our website at Miami University Community. Remember that 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 find the right financial solution tailored just for you!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,346,404 in loans helping members manage their finances effectively. These cards are designed to provide convenience and support for everyday purchases without the need for collateral.

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