Midstate Credit Union Elizabeth NJ | Convenient ATM Services

Introduction

Welcome to Mid-state, your trusted financial partner located at 16 W Grand St, Elizabeth, NJ 07201. Established in 1950, our credit union has been dedicated to serving the needs of our community for over seven decades. With a strong membership base of 855 individuals, we pride ourselves on offering personalized services tailored to meet the unique financial goals of our members. At Mid-state, we understand the importance of sound financial management. Our total assets stand at an impressive $20,660,696, with total deposits reaching $904,154. We are committed to fostering a secure environment for your savings and investments. Our leadership team, including CEO Tracy Sussmann and Board President Frank Roche, is dedicated to ensuring that our members receive top-notch service and support. While you can visit us at our branch location, please note that official correspondence should be sent to 16 W Grand St., Elizabeth, NJ 7201 if it differs from the branch address. We aim to provide not just banking solutions but also community impact empowering our members through various financial products and educational resources. Our team is here to assist you with loans and leases totaling 1241 available options designed to help you achieve your dreams whether it's buying a car or financing home improvements. We also maintain a robust net worth of $2,980,805, reflecting our financial health and stability. If you're interested in becoming part of our family or have questions about our services, don't hesitate to reach out! Call us at 908-282-9881 or explore our offerings online at midstatefcu.org. Let us help you navigate your financial journey with confidence!

Branch History & Mission

Welcome to Mid-state, a proud pillar of the Elizabeth community since 1950. Our journey began over seven decades ago, rooted in a vision to provide accessible financial services that empower our members. From our humble beginnings, we have grown into a trusted credit union with a total membership of 855 and assets totaling an impressive $20,660,696. Located at 16 W Grand St, Elizabeth, NJ 07201, our branch is conveniently situated near local landmarks that reflect the vibrant spirit of our city. While members can visit us at this address for their banking needs, official correspondence should be sent to the same location as our mailing address: 16 W Grand St., Elizabeth, NJ 7201. At Mid-state, our mission is clear: we strive to provide exceptional financial services while fostering a sense of community and support. We are committed to helping our members achieve their financial goals through personalized service and innovative solutions. Whether it's providing loans or offering savings options, we aim to make a positive impact on the lives of those we serve. Over the years, we've made significant strides in enhancing our offerings. We are dedicated to ensuring accessibility for all members, including ADA compliance in our facilities and services. Additionally, we embrace digital advancements such as online banking and mobile payments, making it easier for you to manage your finances wherever you are. Our commitment extends beyond just financial services; we actively engage in partnerships and outreach efforts within Elizabeth. We believe in giving back and supporting local initiatives that enhance the quality of life for everyone in our community. As we look to the future, we invite you to join us on this journey. Experience the benefits of membership at Mid-state by visiting us or calling us at 908-282-9881. Together, let's build a brighter future for ourselves and our community!

Branch Location & Accessibility

Welcome to Mid-state, your friendly financial partner located at 16 W Grand St, Elizabeth, NJ 07201. Our branch is conveniently situated in the heart of Elizabeth, making it easy for you to access all of our services. Whether you're coming from downtown or nearby neighborhoods, you'll find us just a stone's throw away from local landmarks that include the bustling Elizabeth Public Library and the vibrant city park. While members can visit us at 16 W Grand St, official correspondence should be sent to the same address. We strive to ensure that our branch is accessible for everyone. Our location features ADA-compliant ramps and convenient parking options to make your visit hassle-free. Our lobby hours are designed with your busy schedule in mind; we're open Monday through Friday from 9 AM to 5 PM, and on Saturdays from 9 AM to 1 PM for those who prefer drive-thru banking, although we currently do not offer this service. If you have any questions or need assistance, don't hesitate to give us a call at 908-282-9881. At Mid-state, we aim to provide you with a range of banking services, including ATM services during lobby hours. We understand how important it is to have easy access to your finances, and our dedicated team is here to help with all your banking needs. Come visit us today and experience the friendly service that sets Mid-state apart!

Member Eligibility

Becoming a member of Mid-state feels like joining a warm and welcoming family where your financial needs are truly understood. If you live, work, worship, or attend school in the area, you're already on your way to membership! This means that many people in our community can take advantage of the benefits we offer. At Mid-state, we pride ourselves on providing personalized service and tailored financial products to help you reach your goals. It's easy to get started; simply visit us at our location at 16 W Grand St Elizabeth Nj 07201, or check out the detailed eligibility criteria at https://midstatefcu.org/membership/. If you have any questions or need assistance, don't hesitate to give us a call at (908) 282-9881. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no outstanding commercial loans, we are dedicated to providing tailored financing solutions for those who seek to expand or start their ventures. Imagine securing a loan that allows you to purchase new equipment, hire additional staff, or even open a new location all crucial steps in your business journey.

Merchant Services

Additionally, we offer merchant services designed to streamline your payment processes. Picture this: your customers can pay seamlessly using various methods credit cards, mobile payments, and more making their shopping experience enjoyable while boosting your sales. Our services not only enhance customer satisfaction but also provide you with the tools to manage your finances effectively. If you're ready to take your business to the next level, visit us at 16 W Grand St Elizabeth Nj 07201 in Elizabeth, NJ or give us a call at (908) 282-9881. Together, let's build a brighter future for your business!

Comprehensive List Of Services

Banking Services Just for You

One of the key offerings at Mid-state is our ATM services. Imagine needing cash for an unexpected expense while you're out and about. Our ATMs are strategically placed to ensure you can access your funds quickly and easily. This service is designed with your convenience in mind, allowing you to handle your transactions without unnecessary delays.

Digital Banking Made Easy

In today's fast-paced world, managing finances digitally is more important than ever. At Mid-state, we understand this need and provide robust online banking options that let you check balances, transfer money, and manage your accounts from the comfort of your home or on-the-go. With features like mobile payments and e-statements, staying on top of your finances has never been easier.

Get Started Today!

If you're looking for a credit union that prioritizes your financial well-being, look no further than Mid-state. We invite you to visit us or check out our website at midstatefcu.org for more information about our services and how we can assist you. Join our community today and discover how easy it can be to manage your money!

Personalized Member Support

Our team is dedicated to providing personalized support for all your banking needs. Whether you have questions about our ATM services or need assistance with online banking, just give us a call at 908-282-9881. We're here to ensure that you feel confident and secure in managing your finances.

Digital & Online Banking

Key Services

With our online banking services available at https://midstatefcu.org/, you can view your account balances, transfer funds, and pay bills with just a few clicks. Our mobile application further enhances this experience, allowing you to manage your accounts right from your smartphone. Plus, if you're someone who prefers paperless options, you'll love our availability of e-statements, which provide an easy and secure way to keep track of your financial activity without the clutter of paper.

Security and Accessibility

Your security is our top priority. We use advanced encryption methods to protect your information while ensuring that our services remain straightforward and accessible. You can also take advantage of features like mobile payments, making it simple to complete transactions quickly and securely from your mobile device. While we currently do not offer person-to-person transfers or electronic signature authorization, we continually strive to enhance our offerings based on member feedback. With 24/7 access to your accounts through our online banking services, you have complete control over your finances whenever you need it. In summary, Mid-state is dedicated to providing a digital banking experience that is not only secure but also tailored for your convenience. Join us today and discover how easy it is to manage your finances with confidence!

Financial Strength

Focused on Growth and Innovation

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 members' financial goals with $15 in used auto loans and $6,465,657 in total loans and leases.

Member-Centric Savings Options

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 commitment to 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.

Strong Financial Health

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.

Trustworthy Partnership

Net Shares (Funds available for lending and investments): $80,262. Total Share and Deposit Accounts: 1,709, showing a strong and growing member base that trusts us with their finances. 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 16 W Grand St Elizabeth Nj 07201 or call (908) 282-9881 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 provide 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 are here to support your journey. We offer flexible terms and competitive interest rates that make it easier than ever to drive away in the vehicle you want.

Credit Lines

If you're looking for extra flexibility in managing your finances, our credit lines totaling $1,500,000 are designed with you in mind. Whether it's for personal use or unexpected costs, having access to these funds can make a significant difference.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $650,234. We aim to make buying or refinancing straightforward so you can focus on making your house a home. Our team is ready to guide you through every step of the process.

Refinancing Options

We understand that circumstances change. If you're considering refinancing any existing loans or exploring eligibility options for our products, our knowledgeable staff is here to help you navigate through those choices seamlessly. For more information about our loan offerings and how they can benefit you, feel free to contact us at (908) 282-9881 or visit us at 16 W Grand St Elizabeth Nj 07201, located in beautiful Elizabeth, 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 Mid-state be your trusted partner on your financial journey!

Unsecured Credit Card Loans

Managing finances can be challenging, which is why we also offer flexible terms on unsecured credit card loans. With a total of $790,231 in unsecured credit card loans available, our options can help you handle unexpected expenses or consolidate debt efficiently.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced 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 users can trust that the loan offers presented are fair and transparent. By adhering to these guidelines, LendMesh guarantees that its comparisons reflect actual market conditions without hidden agendas.

Midstate