Midway Credit Union Winchester VA | Reliable ATM Services & Access

Introduction

Welcome to Midway, your trusted financial partner located at 430 Market St, Winchester, VA 22603. Since our establishment in 1961, we have been dedicated to serving our community with integrity and commitment. With a total membership of 855, we pride ourselves on creating a welcoming environment where everyone feels valued and supported. At Midway, we understand that managing finances can be challenging. That's why we're here to help you navigate the world of loans, savings, and investments with ease. As of now, our total assets stand at an impressive $11,563,549, with total deposits amounting to $930,315. This stability allows us to provide you with a variety of financial solutions tailored to meet your needs. Our leadership team is committed to ensuring that every member has access to the best possible services. Under the guidance of our CEO, Julie Malone, and Board President, Keith Farrell, we strive for excellence in everything we do. Our dedicated staff of 4 employees is always ready to assist you, whether it's answering questions about loans or helping you set up your savings account. While members can visit us at our branch for all their banking needs, please feel free to reach out via phone at 540-686-4114 for any inquiries or assistance. We invite you to explore our website at Midway FCU for more information on our services. Join us as we continue to grow together your financial well-being is our priority!

Branch History & Mission

At Midway, we take pride in our rich history and commitment to the community. Established in 1961, our branch has grown and adapted over the years, serving as a cornerstone for financial services in Winchester, VA. Since opening our doors at 430 Market St, we've dedicated ourselves to providing reliable banking options tailored to our members' needs. With a current membership of 855, we have built strong relationships and trust within the community. Our mission is clear: we aim to empower our members by offering affordable financial solutions while actively supporting local initiatives. We understand that banking is about more than just numbers; it's about people. At Midway, we strive to enhance the lives of our members through exceptional service and community engagement. Although our physical presence is at 430 Market St, Winchester, VA 22603, we encourage members to reach out via phone at 540-686-4114 for any inquiries or support. If you need to send us official correspondence, please use the same address as our branch location. As part of our commitment to progress, we've embraced digital advancements that make banking easier for everyone. While we currently do not offer ATM services or drive-thru banking, we focus on providing personalized service during our lobby hours every Monday from 8 AM to 12 PM and Thursday from 11 AM to 2 PM. Our total assets amount to an impressive $11,563,549, reflecting our solid financial standing and ability to serve our members effectively. This stability allows us to offer competitive loan options and savings accounts designed with your best interests in mind. At Midway, we also believe in giving back to the community that has supported us throughout the years. Through various partnerships and outreach programs, we strive to uplift those around us and contribute positively to local causes. We invite you to join us at Midway Credit Union. Experience firsthand how we're dedicated not only to your financial well-being but also to fostering a vibrant community spirit. Together, let's build a brighter future!

Branch Location & Accessibility

Convenient Access

At Midway, we prioritize your convenience. While our branch address is 430 Market St, please note that if you need to send any official correspondence, it should go to the same location as there's no different mailing address. We have ample parking available right in front of our branch, and our facilities are designed with accessibility in mind, ensuring that everyone can visit us without hassle.

Operating Hours

We know how busy life can get, which is why we offer flexible operating hours. You can visit us on Mondays from 8 AM to 12 PM and Thursdays from 11 AM to 2 PM. Whether you're stopping by on your way to work or during your lunch break, we're here to help with all your banking needs.

Services Offered

Although we currently do not have ATM services or a drive-thru option, our dedicated team is ready to assist you inside the branch. From personal accounts to loans and financial advice, we strive to provide comprehensive services tailored just for you. Feel free to give us a call at 540-686-4114 if you have any questions or need assistance before your visit. We look forward to welcoming you to Midway! Your financial journey starts here, and we're excited to be a part of it!

Member Eligibility

At Midway, we believe that becoming a member is more than just opening an account; it's about joining a community that values support and personal connection. If you live, work, or attend school in the Winchester area, you're likely eligible to join us! We welcome individuals from various backgrounds, making it easy for you to access our range of financial services designed to help you thrive. For more detailed eligibility criteria, feel free to check out our dedicated page. Joining Midway is a breeze! Once you confirm your eligibility, simply reach out to us at (540) 686-4114 or visit us at our branch located at 430 Market St Winchester Va 22603. Our friendly staff will guide you through the account-opening process so you can start enjoying the benefits of membership right away. Whether it's competitive loan rates or personalized service, we're here to support your financial journey every step of the way.

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

In addition to loans, we offer tailored merchant services designed to streamline payment processing for your business. Imagine being able to accept payments easily from customers while ensuring security and efficiency this is where our merchant services come into play. Whether you're running a retail store or an online shop, we have solutions that fit your needs. At Midway, we're more than just a bank; we're your partner in success. Reach out today at (540) 686-4114 to learn how we can help you thrive!

Comprehensive List Of Services

Banking Services Tailored for You

Our primary offering includes ATM Services Only. This ensures that you can access your funds conveniently whenever you need them. While we currently focus on ATM services, we strive to keep our members informed about the best ways to manage their finances. Our ATMs are available 24/7, allowing you to withdraw cash, check your balance, and perform other essential transactions anytime. Imagine you're out running errands and suddenly realize you need cash for a quick purchase. With our ATM services, you can easily find a nearby machine and get what you need without any hassle.

Commitment to Member Convenience

At Midway, we understand the importance of convenience in today's fast-paced world. While we currently offer limited services through ATMs, we are committed to keeping our members updated on any future enhancements that may include online banking or mobile payments. This way, you'll always have access to your accounts and can manage your finances from anywhere. If you have questions or need assistance, don't hesitate to reach out! You can contact us at (540) 686-4114 during our lobby hours on Mondays from 8 AM to 12 PM and Thursdays from 11 AM to 2 PM. Our team is ready to help with any inquiries you may have.

Join Us Today!

We invite you to explore what Midway has to offer. Your financial well-being is our priority, and we are here to support you every step of the way. For more information about our services or how to become a member, please visit us online at Npsc. We look forward to serving you!

Digital & Online Banking

At Midway, we understand that managing your finances should be simple and secure, no matter where you are. Our digital and online banking services are designed to provide you with convenience at your fingertips. Whether you're checking your balance or making payments, we've got you covered. With our online banking portal available at https://www.midwayfcu.org/, accessing your accounts is just a click away. You can easily view your transactions, transfer funds, and manage your finances from the comfort of your home or on the go. Although we currently do not offer e-statements or mobile applications, our commitment to security remains strong. Rest assured that your information is protected as you navigate through our online services. While electronic signatures and person-to-person transfers are not available at this time, you can still enjoy a user-friendly experience with straightforward navigation. If you're looking to make quick payments, keep in mind that mobile payments are also not part of our offerings right now. At Midway, we prioritize accessibility and ease of use. Our online banking services operate 24/7, allowing you to manage your accounts whenever it suits you best. We believe that financial management should fit into your lifestyle without the hassle of traditional banking hours. In summary, while some features may not yet be available, our goal is to provide a solid foundation for all your digital banking needs. We invite you to explore our services further at https://www.midwayfcu.org/ and stay tuned for future updates that will enhance your banking experience!

Financial Strength

Growing Membership Base

Total Share Accounts: 1,132, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. 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 430 Market St Winchester Va 22603 or call (540) 686-4114 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $5,979,824 in share certificates, 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 $-$6,060 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 1 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

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 supports members' financial goals across various sectors with $71 in used auto loans and $4,130,418 in total loans and leases.

Solid 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. Our net worth ratio of 20.04% 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 $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 model or a reliable used vehicle, we have options tailored just for you.

Credit Lines

For those looking for additional flexibility, we offer credit lines totaling $500,000. This option provides you with quick access to funds when you need them, allowing you to manage cash flow effectively. At Midway, we prioritize your financial well-being and strive to make lending straightforward and accessible. 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 an unsecured credit card, our team is here to guide you through every step of the process.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $93,085, making buying or refinancing simple. We also provide refinancing options to help you secure better terms on your existing mortgage.

Unsecured Credit Card Loans

Managing day-to-day expenses is easier with our flexible terms on unsecured credit card loans, with a total of $46,467 in loans available to assist our members. These loans are designed to help you handle unexpected costs while maintaining your budget.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

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MIDWAY FEDERAL CREDIT UNION - Winchester, VA

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