Mid-State Credit Union Carteret NJ | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Midstate, where your financial well-being is our top priority! Located at 217 Roosevelt Ave, Carteret, NJ 07008, we have proudly served our community since 1950. With a strong commitment to our members, we currently boast a total membership of 855 and manage assets totaling an impressive $20,660,696. At Midstate, we understand the importance of trust and reliability in your financial journey. That's why our dedicated team, led by CEO Tracy Sussmann and Board President Frank Roche, works tirelessly to provide personalized banking solutions that cater to your needs. Whether you're looking for checking and savings accounts, auto loans, or credit cards with rewards, we have you covered. While members can visit us at our branch location, official correspondence should be sent to our mailing address at 237 Roosevelt Ave, Carteret, NJ 7008. Our friendly staff is here to assist you during lobby hours: Monday through Wednesday and Friday from 8:30 AM to 4:30 PM, Thursday from 8:30 AM to 6 PM, and Saturday from 8:30 AM to 12 PM. With total deposits reaching $904,154 and total loans amounting to 1241, we are committed to fostering your financial growth. We also take pride in maintaining a net worth of $2,980,805 and having a cash balance of $349,651, ensuring we are well-equipped to serve you. Explore all that Midstate has to offer by visiting our website at midstatefcu.org. Whether you need assistance with personal banking or business services, we're here for you every step of the way. Call us today at 732-541-4151 we can't wait to help you achieve your financial goals!

Branch History & Mission

At Mid-state, we take pride in our rich legacy of service and commitment to our members since we first opened our doors in 1950. Nestled at 217 Roosevelt Ave, Carteret, NJ 07008, our branch has become a vital part of the community, offering trusted financial services to help our members achieve their goals. From humble beginnings, Mid-state has grown into a strong credit union with a membership base of 855 individuals. Over the decades, we've not only expanded our offerings but also deepened our impact on the community. Our total assets now stand at an impressive $20,660,696, reflecting our stability and dedication to serving you better. Our mission is simple yet powerful: to provide exceptional financial services while supporting the local community. We believe that when our members succeed, so does our community. This mission drives us to offer a wide range of products, including personal banking options like checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. We are also proud to support local businesses through merchant services and business loans. While members can visit us at 217 Roosevelt Ave, official correspondence should be sent to 237 Roosevelt Ave, Carteret, NJ 7008. Our doors are open during convenient hours: Monday through Wednesday and Friday from 8:30 AM to 4:30 PM, Thursday from 8:30 AM to 6 PM, and Saturday from 8:30 AM to 12 PM. For those who prefer digital banking solutions, we offer online and mobile banking options that allow you to manage your finances anytime, anywhere. We also recognize the importance of accessibility; hence we have made strides toward ADA compliance for all our facilities. Our commitment extends beyond banking as we actively engage in community outreach efforts and partnerships that uplift those around us. If you're looking for a financial partner who puts people first, we invite you to join Mid-state. Experience how we can make a difference in your life and contribute positively to the vibrant community of Carteret. Call us today at 732-541-4151 or visit our website for more information about membership eligibility and services available at your fingertips. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to Mid-state, your friendly financial partner located conveniently at 217 Roosevelt Ave Carteret Nj 07008 in beautiful Carteret, NJ. We're easy to find, just a short drive away from popular spots like [insert nearby landmark], making it simple for you to stop by and take care of your banking needs. At Mid-state, we understand that accessibility matters. Our branch is designed with everyone in mind, featuring ADA-compliant ramps and ample parking to make your visit comfortable. While our lobby hours are designed to fit your busy schedule open Monday, Tuesday, Wednesday, and Friday from 8:30 AM to 4:30 PM, Thursday until 6 PM, and Saturday mornings until 12 PM you can always count on us being here when you need us. For those who prefer digital convenience, we also offer ATM services right on-site for quick cash withdrawals and balance checks. If you have questions or need assistance, don't hesitate to give us a call at (732) 541-4151 our team is eager to help! While members can visit us at 217 Roosevelt Ave Carteret Nj 07008, official correspondence should be sent to our mailing address at 237 Roosevelt Ave, Carteret, NJ 7008. Come see why so many choose Mid-state as their trusted credit union. We look forward to welcoming you soon!

Member Eligibility

At Mid-state, we believe that becoming a member means joining a welcoming community where you can access valuable financial resources and support. If you're interested in joining us, you'll be pleased to know that eligibility is open to anyone who lives, works, worships, or attends school in the area around our branch. We're dedicated to making banking accessible for everyone, so whether you're a first-time account holder or looking to switch from another institution, you'll find a place with us. To get started on your journey to membership at our branch located at 217 Roosevelt Ave Carteret Nj 07008, simply give us a call at (732) 541-4151 or visit our website for more information about the eligibility requirements and how to open an account. You can check out all the details at https://midstatefcu.org/membership/. We're excited to welcome you into our community!

Business Banking & Commercial Services

Commercial Loan Options

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

To complement our loan offerings, we provide merchant services that make transactions easier for your business. Picture this: a customer walks into your store, ready to purchase. With our reliable payment processing solutions, their transaction goes smoothly, enhancing their experience and keeping them coming back. Whether you're a small shop or a growing enterprise, our services can streamline your operations. Discover how Mid-state at 217 Roosevelt Ave Carteret Nj 07008, Carteret, NJ can be your partner in business success! For more information, give us a call at (732) 541-4151 or visit us online at Midstate Fcu.

Comprehensive List Of Services

Business Banking Solutions

For small business owners, we understand the unique challenges faced in today's market. Our business banking services, including merchant services and business loans, are crafted to support your entrepreneurial journey. We want to see your business thrive!

Convenient Digital Banking Features

In this digital age, we know how important it is for our members to have access to their accounts anytime, anywhere. That's why we offer robust online and mobile banking solutions. With these tools, you can check balances, transfer funds, pay bills, and more all from the comfort of your home or on the go. You'll also find convenient ATM & cash withdrawal services available at various locations for easy access to your funds whenever needed.

Credit Cards & Rewards

We also offer credit cards with rewards, allowing you to earn points on everyday purchases that can be redeemed for travel, merchandise, or cashback. This adds an extra layer of value to your spending while helping you build credit effectively.

Personal Banking Services

When it comes to personal banking, our offerings are designed with your lifestyle in mind. We provide checking and savings accounts that help you manage your day-to-day expenses while saving for future goals. If you're thinking about purchasing a new car, our auto loans and vehicle financing options can make that dream a reality, offering competitive rates and flexible terms. For those considering home ownership, our mortgage loans and refinancing services can guide you through the process, making it straightforward and stress-free. Additionally, if you find yourself needing extra funds for unexpected expenses, our personal loans and debt consolidation options can provide the relief you need.

Why Choose Us?

At Mid-state, we believe in building lasting relationships with our members based on trust and service excellence. Our dedicated team is always ready to assist you with any questions or concerns you may have. If you're ready to explore how we can help meet your financial needs or want more information about our services, don't hesitate to reach out! Call us at (732) 541-4151, visit us at our branch location, or check out our website at Midstate Fcu. Join us today and experience the difference that personalized service can make!

Digital & Online Banking

Stay Secure

Your safety is our top priority. Although we don't support electronic signature authorization yet, our systems are built with strong security measures to protect your personal information. We're committed to keeping your data safe while giving you easy access to what you need. With Mid-state's digital banking services, managing your finances has never been easier. Experience the freedom of having control over your accounts with just a few taps or clicks!

User-Friendly Features

We also offer e-statements for those who prefer going paperless. This feature not only helps the environment but also makes it easier for you to keep track of your account statements from the comfort of your home. Plus, managing your documents digitally adds an extra layer of security. If you're always on the go, our mobile application lets you perform transactions right from your smartphone. You can even make mobile payments quickly and securely, making shopping and paying bills simpler than ever. While we currently don't offer person-to-person transfers, our focus remains on providing secure options that work for you.

Financial Strength

Growing Membership Base

Total Share and Deposit Accounts: 1,709, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $80,262. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Mid-state is your trusted partner. Visit us at 217 Roosevelt Ave Carteret Nj 07008 or call (732) 541-4151 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $3,039,583 in share certificates and $3,820,803 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.

Operational Efficiency

Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 4 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $2,980,805 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $15 in used auto loans and $6,465,657 in total loans and leases.

Solid Financial Foundation

With a net worth of $2,980,805, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,443 demonstrates a solid capital foundation, ensuring 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 $254,650 in used vehicle loans and $571,604 in new vehicle loans already helping members get on the road. We offer financing options for both new and used vehicles, ensuring you can find the perfect fit for your budget and lifestyle.

Credit Lines

For those looking for additional flexibility in managing their finances, we provide credit lines totaling $1,500,000. This option allows you to borrow as needed while only paying interest on what you use. It's an excellent way to handle fluctuating expenses without the stress of multiple payments.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $650,234, make buying or refinancing simple. We work closely with you to explore various loan terms and interest rates, ensuring that you find the best option for your situation.

Refinancing Options

If you're considering refinancing existing loans, our team is ready to discuss your options. We can help you navigate the process and determine if refinancing is right for you based on your current financial situation. Our dedicated team at Mid-state is here to assist you every step of the way. If you're interested in learning more about our loan offerings or want to apply today, feel free to call us at (732) 541-4151 or visit us at our location: 217 Roosevelt Ave Carteret Nj 07008 in Carteret, NJ. 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 toward achieving your financial dreams!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $790,231 in loans helping members manage their finances effectively. Whether you need to make unexpected purchases or consolidate existing debt, our credit cards come with rewards and benefits designed for your convenience.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

LendMesh ensures accurate loan comparisons by sourcing its 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 means that users can trust the information provided, knowing it reflects fair and transparent offers.

Midstate