Miami University Community Credit Union Oxford OH | Affordable Vehicle Loans & Top Checking Accounts

Introduction

Welcome to the Miami University Community Federal Credit Union, where your financial well-being is our top priority. Nestled in the heart of Oxford, Ohio at 31 Lynn Ave, Oxford, OH 45056, we have proudly served our community since our establishment in 1969. With a dedicated membership base of 4,632 and total assets of $71,293,664, we are committed to offering personalized banking solutions that meet your needs. At Miami University Community, we understand that every member has unique financial goals. Whether you're looking for a new vehicle loan or saving for a future home, our diverse range of services including checking and savings accounts, auto loans, mortgage options, and credit cards are designed with you in mind. We have extended over 3,917 loans to help our members achieve their dreams while maintaining total deposits of $4,317,335. Our team is led by experienced professionals who are passionate about serving our members. CEO James Schultheiss and Board President Bruce Guiot work tirelessly to ensure that Miami University Community remains a trusted partner in your financial journey. With a staff of 14 employees, we strive to provide friendly and accessible service to everyone who walks through our doors. While members can visit us at 31 Lynn Ave, official correspondence should be sent to the same address as it serves as both our branch and mailing location. If you have any questions or need assistance, feel free to give us a call at 513-523-8888 or explore our website at www.muccu.org for more information on how we can assist you. Join us today and experience the difference that comes with being part of a community-focused credit union!

Branch History & Mission

Community Engagement

Our engagement extends beyond banking; we actively participate in community outreach efforts that uplift and support those around us. By partnering with local organizations and hosting events, we contribute to the social fabric of Oxford while providing valuable resources for financial literacy. As we look forward to the future, we invite you to join our growing family at Miami University Community Federal Credit Union. Experience firsthand how we can help you achieve your financial goals while making a difference in your community. Whether you're looking for personal banking solutions or seeking advice on managing your finances better, we're here for you every step of the way. For inquiries or assistance, feel free to reach out to 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 today and discover what it means to be part of a credit union dedicated not only to your financial health but also to your community's well-being!

Our Mission

Our mission is to empower individuals and families through reliable financial services while fostering a sense of community. We believe that everyone deserves access to quality banking options that suit their needs. With total assets of $71,293,664, we are well-positioned to support our members' financial journeys. We prioritize not just the numbers but the people behind them our members are at the center of everything we do. We strive to enhance your banking experience by offering modern conveniences like online and mobile banking. Additionally, we ensure ADA compliance so that all members can access our services without barriers. Our ATM availability and drive-thru banking further reflect our commitment to convenience and customer-centric initiatives.

Our Story

The journey of Miami University Community began with a simple yet powerful mission: to provide accessible financial services to our community. Over the years, we have achieved significant milestones that reflect our commitment to member service and community involvement. Located at 31 Lynn Ave, Oxford, OH 45056, our branch is easily accessible for those in need of personal banking solutions. We are proud to offer services such as checking and savings accounts, auto loans, mortgage options, and credit cards with rewards. While members can visit us at 31 Lynn Ave, official correspondence should be sent to 31 Lynn Ave, Oxford, OH 45056. This dual address ensures all communications reach us promptly.

Branch Location & Accessibility

Welcome to the Miami University Community branch, your friendly neighborhood credit union located at 31 Lynn Ave in beautiful Oxford, Ohio. We are dedicated to making banking easy and accessible for all our members. Our branch sits conveniently near local landmarks, ensuring that you can pop in with ease whether you're on your way to class or just out for a stroll. At our branch, you'll find ample parking available, along with features designed for everyone's comfort and convenience, including ADA-compliant access points to help those who may need assistance. If you're looking for friendly service and personalized support, you've come to the right place! We know how busy life can get, so we offer flexible operating hours to fit your schedule. Visit us Monday through Thursday from 9 AM to 5:30 PM and on Friday from 9 AM to 6 PM. Whether you need help setting up an account or have questions about our services, our team is here to assist you. In addition to traditional banking services, we provide drive-thru banking for quick deposits and withdrawals, as well as ATM availability for when you're on the go. Our full range of services includes personal checking and savings accounts, auto loans, mortgage financing, credit cards with rewards, and even business banking options. While members can visit us at 31 Lynn Ave for all their banking needs, official correspondence should be sent to the same address. If you have any questions or need assistance, don't hesitate to call us at 513-523-8888. We look forward to welcoming you into our community!

Member Eligibility

At Miami University Community, we believe that becoming a member means joining a community that truly cares about your financial well-being. If you're looking to join us at our branch located at 31 Lynn Ave Oxford Oh 45056, you'll find that eligibility is straightforward and welcoming. Generally, anyone who lives, works, or studies in the area can become a member. We're dedicated to providing personalized services tailored to your needs, whether you're seeking checking accounts, loans, or financial advice. To start your journey with us, the account opening process is simple and designed with you in mind. Just visit our website for detailed steps on how to open an account: http://www.muccu.org/applications/real-estate-loan-application.aspx. If you have any questions or need assistance, feel free to give us a call at (513) 523-8888. For more information about eligibility criteria, don't forget to check out our resource page at . We look forward to welcoming you into the Miami University Community family!

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 also support the broader business community with $57 in non-member commercial loans, providing flexible financing solutions. Imagine a local café wanting to renovate and add more seating. With our accessible loan options, they could secure funding quickly and efficiently, allowing them to serve more customers and boost their revenue.

Merchant Services That Work for You

In today's fast-paced world, seamless payment processing is essential. Our merchant services ensure that your business can accept payments easily and securely. Whether it's in-store or online, we provide solutions that fit your unique needs, allowing you to focus on what matters most growing your business. For more information about how Miami University Community can help elevate your business operations, visit us at 31 Lynn Ave Oxford Oh 45056, Oxford, OH or call us at (513) 523-8888. Let's work together to achieve your business goals!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Accessing cash when you need it is vital. That's why Miami University Community provides ATM services for quick withdrawals and balance checks at various locations around town.

Auto Loans & Vehicle Financing

Thinking about purchasing a new vehicle? At Miami University Community, we provide competitive auto loans and vehicle financing options. Whether you're buying new or used, our friendly team can guide you through the process, ensuring you get the best rates available. Imagine driving away in your dream car without the stress of complicated financing!

Business Banking

For our entrepreneurial members, we offer comprehensive business banking solutions including merchant services and business loans. We understand that running a business requires support and flexibility. Our team is here to provide guidance tailored specifically for small businesses.

Credit Cards with Rewards

Our credit cards come with exciting rewards programs that allow you to earn points on every purchase. Enjoy the benefits of cash back, travel rewards, or gift card options while building your credit score. It's a win-win situation that makes spending rewarding!

Drive-Thru Banking

For those who prefer face-to-face interactions but want to save time, our drive-thru banking allows for simple transactions like deposits and withdrawals without leaving your vehicle. At Miami University Community, we're committed to providing personalized service that meets all your banking needs. If you're ready to explore what we have to offer or if you have any questions about our services, don't hesitate to reach out! Call us today at (513) 523-8888 or visit us online at Miami University Community Federal Credit Union. Your financial success starts here!

Mortgage Loans & Refinancing

Homeownership is a significant milestone, and we're here to help you every step of the way. Our mortgage loans and refinancing options are designed to make buying or refinancing your home straightforward and accessible. Let us assist you in navigating the mortgage process so you can focus on creating memories in your new home.

Online & Mobile Banking

In today's fast-paced world, convenience is key. With our online and mobile banking features, managing your accounts has never been easier. You can check balances, transfer funds, pay bills, and more all from the comfort of your home or on-the-go using your smartphone.

Personal Banking

Whether you're looking to open a new checking or savings account, our personal banking services are designed with you in mind. We understand that managing your finances can sometimes feel overwhelming, so we offer tailored solutions that fit your lifestyle. Our accounts come with features that make it easy for you to save and access your money whenever you need it.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, and that's where our personal loans come into play. Whether you're planning a big purchase or need help consolidating debt, we offer flexible loan options that meet your unique needs. With manageable repayment plans, you can regain control over your finances.

Digital & Online Banking

Easy Access Anytime, Anywhere

With our 24/7 online banking services available at https://www.muccu.org/, you can manage your accounts whenever you need. Whether it's checking your balance, transferring funds, or paying bills, everything is just a click away. No more waiting in line or rushing before closing time; your bank is always open.

Mobile Banking at Your Fingertips

Our mobile application makes banking even simpler. With features like mobile payments, you can pay for purchases directly from your phone, making transactions quick and hassle-free. Plus, with person-to-person transfers, sending money to friends or family has never been easier.

Security You Can Trust

While convenience is key, we also prioritize security. Although we do not currently offer electronic signature authorization, rest assured that all our digital services are protected with advanced security measures to keep your personal information safe. In conclusion, Miami University Community offers a full suite of online and mobile banking options that empower you to take control of your finances easily and securely. Visit us today at https://www.muccu.org/ and experience the freedom of banking on your terms!

Stay Informed with E-Statements

We know that keeping track of your finances is essential. That's why we provide e-statements, allowing you to access your financial statements electronically. This not only helps you stay organized but also keeps your information secure and easy to find.

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 financial institution is strong and reliable is essential. That's why we are proud to share our financial health metrics 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. Our commitment to your financial well-being is reinforced by our $8,594,384 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. With $411 in used auto loans and $39,360,673 in total loans and leases, our lending capacity supports members' 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 ready to assist you with knowledge and care. With net shares amounting to $9,521,937, we have funds available for lending and investments that further enhance our ability to support you financially. Our total share accounts stand at 9,823, showing a strong and growing member base that trusts us with their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 31 Lynn Ave Oxford Oh 45056 or call (513) 523-8888 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 $3,035,252 in used vehicle loans and $2,655,448 in new vehicle loans already helping members get on the road. We also provide competitive financing options for those considering refinancing their existing auto loans.

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. We are here to guide you through the mortgage process so you can secure the best terms possible.

Other Financing Options

Additionally, our total credit lines amount to $12,400,921, allowing members to access funds when they need them most. If you're a business owner looking for capital, our commercial loans provide essential support for growth and expansion. If you're interested in any of our loan products or want to learn more about eligibility and refinancing options, feel free to reach out to us at (513) 523-8888. Our team is ready to assist you during our operating hours: Monday through Thursday from 9 AM to 5:30 PM and Friday from 9 AM to 6 PM. For more information about our offerings or to apply online, visit us at Miami University Community. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.

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 come with various features designed to help you stay in control of your spending while building your credit history.

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