Midway Credit Union Winchester VA | Best Auto Loans & Business Banking

Introduction

Welcome to Midway, your trusted financial partner located at 158 Front Royal Pike Ste 101, Winchester, VA 22602. Established in 1961, our credit union has been dedicated to serving our community for over six decades. With a strong membership base of 855 individuals, we pride ourselves on being a member-focused institution that puts your needs first. At Midway, we understand that each financial journey is unique. That's why we offer a wide range of services tailored to help you achieve your goals, whether it's purchasing a new vehicle, saving for a home, or managing everyday expenses. Our total assets amount to an impressive $11,563,549, and we maintain a solid net worth of $2,317,719, ensuring that your funds are safe with us. While members can visit us at the branch for personal banking needs including checking and savings accounts, auto loans, mortgage refinancing, and more official correspondence should be sent to P O Box 232, Berryville, VA 22611. Led by our dedicated CEO Julie Malone and Board President Keith Farrell, our team is here to provide you with personalized service every step of the way. We employ a passionate group of 4 employees, all committed to making your experience smooth and welcoming. With total deposits reaching $930,315 and cash in hand of $5,713, Midway is well-equipped to support you in achieving financial success. Whether you're seeking guidance on loans or looking for ways to grow your savings through our various deposit accounts totaling over $9 million, we're here for you. We invite you to explore our services further by visiting our website at Midway FCU or give us a call at 540-686-7637 during our lobby hours from 9 AM to 1 PM on Monday, Tuesday, Thursday, and Friday. Come discover how Midway can help you navigate your financial future with confidence!

Branch History & Mission

At Midway, we take pride in our rich legacy of serving the community of Winchester, VA. Since opening our doors in 1961, we have been dedicated to fostering financial growth and providing exceptional service to our members. Located at 158 Front Royal Pike Ste 101, our branch has become a cornerstone of the community, helping over 855 members manage their finances effectively. Over the years, Midway has evolved alongside the needs of our community. From humble beginnings, we have grown into a robust credit union with total assets of $11,563,549. Our mission is clear: to provide personalized financial services that empower individuals and strengthen families. We focus on creating a supportive environment where every member feels valued and informed. While you can visit us at our Winchester location for face-to-face assistance, any official correspondence should be directed to P O Box 232, Berryville, VA 22611. This ensures that we can serve you efficiently from both locations. Our commitment extends beyond just banking. We believe in giving back to our community through various outreach programs and partnerships. These initiatives not only enhance the lives of our members but also contribute to the overall well-being of Winchester and its surroundings. As part of our dedication to modern banking practices, Midway offers a range of services tailored to meet your needs from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. While we currently do not offer ATM or drive-thru services, we do have shared service center availability for basic transactions, ensuring that accessing your funds is convenient. Operating hours are designed to fit your schedule join us from 9 AM to 1 PM on Monday, Tuesday, Thursday, and Friday. Our friendly staff is always ready to assist you with any questions or concerns you may have. We invite you to experience the benefits of being a member at Midway. Join us today and be part of a credit union that values relationships as much as it does financial success. Together, let's build a brighter financial future! For more information about us or how to become a member, feel free to contact us at (540) 686-7637 or visit our website at Midway.

Branch Location & Accessibility

Accessibility Features

At Midway, we strive to ensure that everyone feels welcome. Our location is designed with accessibility in mind, featuring ADA-compliant entrances and ramps for those who need them. There's ample parking available right outside the branch, so you can easily find a spot when you visit.

Connect with Us

If you have any questions or need assistance before your visit, don't hesitate to give us a call at 540-686-7637. Our friendly staff is ready to help! Come see us soon at Midway where community matters and your financial wellness is our priority!

Operating Hours

We are open for business from 9 AM to 1 PM on Monday, Tuesday, Thursday, and Friday, providing flexible hours for you to come in when it's convenient for you. While we currently do not offer drive-thru services or ATMs at this location, our team is here to assist with a variety of services during our lobby hours.

Services Offered

As a member of Midway, you'll enjoy a range of banking services tailored just for you. We offer personal banking options like checking and savings accounts, auto loans and vehicle financing, mortgage loans and refinancing solutions, personal loans and debt consolidation options, as well as credit cards that come with rewards. For businesses, we provide merchant services and business loans too! Additionally, if you're a member of a partner credit union, you can take advantage of basic shared branch transactions such as deposits and withdrawals.

Member Eligibility

At Midway, we believe that everyone deserves the opportunity to be part of a caring and supportive community. Joining us is simple! If you live, work, worship, or attend school in the Winchester area, you're already on your way to becoming a member. We welcome individuals from various backgrounds and experiences, making it easy for you to connect with us and enjoy the benefits of membership. You'll find everything from personal banking options to auto loans and credit cards with rewards tailored just for you. Ready to take the next step? You can find more details about our eligibility criteria by visiting this page. If you have questions or need assistance, don't hesitate to reach out at (540) 686-7637. Our friendly team is here to help guide you through the account opening process and ensure your experience with Midway is positive from the start. We can't wait to welcome you into our family!

Business Banking & Commercial Services

Connect With Us

Located at 158 Front Royal Pike Ste 101 Winchester Va 22602 in Winchester, VA, our dedicated team is ready to discuss how we can tailor our services to meet your unique needs. Give us a call at (540) 686-7637 to explore your options and take your business to new heights!

Merchant Services That Work for You

In addition to loan options, our merchant services simplify payment processing, allowing you to focus on what you do best running your business. Imagine effortlessly accepting payments from customers, whether in-store or online, with tools that help streamline transactions and manage cash flow effectively.

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we have not yet funded any member or non-member commercial loans, we recognize the potential for future partnerships and are eager to assist local entrepreneurs.

Comprehensive List Of Services

Business Solutions

For local entrepreneurs, we provide robust Business Banking services including Merchant Services and Business Loans. These resources are crafted to support small businesses in thriving within the community.

Convenient Banking Options

In today's busy world, convenience is key. That's why we offer Online & Mobile Banking, allowing you to manage your finances from anywhere at any time. Check balances, pay bills, and transfer funds with just a few clicks on your smartphone or computer. We also facilitate essential banking functions through our shared service center partnerships, enabling basic transactions such as deposits and withdrawals for partner credit union members.

Credit Cards with Rewards

Our Credit Cards with Rewards program gives you more than just purchasing power; it rewards you for every dollar spent! Imagine earning points toward travel or cash back simply by using your card for everyday purchases.

Get In Touch!

Your financial well-being matters to us at Midway! If you're interested in any of these services or have questions about how we can assist you further, please don't hesitate to reach out at 540-686-7637. Our friendly team is ready to help you navigate your financial journey with ease and confidence. Visit us soon at our Winchester branch!

Home Ownership

For those looking to buy a home or refinance an existing mortgage, our Mortgage Loans offer competitive rates and personalized service. We take pride in guiding our members through the home-buying process, ensuring you feel confident every step of the way.

Personal Banking

One of the cornerstones of our offerings is Personal Banking. We understand that managing money can be challenging, which is why we provide both Checking and Savings Accounts tailored to fit your lifestyle. Whether you need a basic account for everyday transactions or a savings account for future goals, we've got you covered.

Personal Loans

Life can throw unexpected expenses at us. That's why we offer Personal Loans and Debt Consolidation options. Whether it's for medical bills or home repairs, having access to quick cash can make all the difference during tough times. Our team will work with you to find a solution that meets your needs.

Vehicle Financing

If you're considering purchasing a vehicle, our Auto Loans and Vehicle Financing options are here to help you hit the road without breaking the bank. With competitive rates and flexible terms, financing your next car has never been easier. Imagine driving off in your dream car with a loan that fits comfortably within your budget!

Digital & Online Banking

Key Features

With our online banking platform available at https://www.midwayfcu.org/, you have access to 24/7 banking services. This means you can view your account information, pay bills, and transfer funds whenever it suits you no need to wait for branch hours! We aim to empower you with real-time account management right from your computer or smartphone. While we currently do not offer electronic signature authorization or e-statements, rest assured that all transactions made through our online services are protected with robust security measures. Your personal information remains safe while you enjoy the convenience of digital banking. Although we don't have a mobile application or support for mobile payments just yet, we're committed to enhancing our services in the future. You can still manage person-to-person transfers directly through our online banking interface, making it easier than ever to send money to friends and family without the hassle of cash. At Midway, we believe in making banking simple. Our focus is on providing accessible and efficient services that fit into your lifestyle. Explore how our digital offerings can help streamline your financial management today!

Financial Strength

Growing Together

Total Share Accounts stand at 1,132, showcasing 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, Midway is your trusted partner. Visit us at 158 Front Royal Pike Ste 101 Winchester Va 22602 or call (540) 686-7637 to learn more about how we can help you achieve your financial goals.

Investing Back into Member Services

With $2,312,227 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 significant; with $71 in used auto loans and $4,130,418 in total loans and leases, we're here to support your financial goals across various sectors.

Operational Efficiency

Our $-$6,060 reflects our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products tailored for you. We also take pride in having 1 full-time employees and 3 part-time employees. This dedicated team is always ready to assist you with a knowledgeable approach that prioritizes your needs.

Our Financial Health

With a net worth of $2,317,719, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation gives our members peace of mind knowing their finances are in capable hands. Our net worth ratio of 20.04% demonstrates a robust capital base. This ensures we can continue providing loans, competitive savings rates, and uninterrupted services even during uncertain economic times.

Secure Savings Options

Members' savings are secure through $5,979,824 in share certificates, offering stable and rewarding growth opportunities. Although we currently have $0 in money market shares, our commitment to your financial growth remains unwavering. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry, with over $1,152,867 in used vehicle loans and $1,178,942 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new vehicle or a reliable used one, we have options designed to fit your budget.

Credit Card Loans

Managing your finances effectively is important, and that's why we also offer flexible terms on unsecured credit card loans. With a total of $46,467 in unsecured credit card loans, our members can enjoy peace of mind knowing they have access to funds when they need them most.

Credit Lines and Business Support

For those looking for additional financial flexibility, our total credit lines amount to $500,000, providing you with opportunities to manage expenses or invest in personal projects. While we currently do not have outstanding commercial loans available for business owners, we are always ready to discuss potential financing solutions that suit your needs. We encourage you to explore refinancing options as well. If you're considering consolidating debt or reducing monthly payments on existing loans, our team is here to help guide you through the eligibility process. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Whether you're looking for an auto loan, mortgage financing, or credit card solutions, Midway is committed to helping you find the right path forward. For more information or to discuss your options further, don't hesitate to reach out at 540-686-7637.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $93,085, providing you with the support needed to make your dream home a reality.

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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 commitment ensures that users receive fair and transparent offers. LendMesh prioritizes accuracy in its comparisons by working exclusively with reputable lenders who adhere to these standards.

MIDWAY FEDERAL CREDIT UNION - Winchester, VA

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