Modern Employees Credit Union Owensboro KY | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Modern Employees Federal Credit Union, your trusted financial partner located at 1727 Moseley St, Owensboro, KY 42303. Since our establishment in 1953, we have been dedicated to serving our community with a personal touch and a commitment to financial well-being. With over 651 members and total assets of $6,035,172, we pride ourselves on fostering strong relationships and making a positive impact in the lives of our members. At Modern Employees, we understand that every financial journey is unique. That's why we offer a range of services tailored to meet your needs, from checking and savings accounts to auto loans and personal loans. Our experienced team, led by CEO Matt Whalen and Board President Kenny Payne, is here to guide you through every step of the way. In addition to our core offerings, we maintain total deposits of $1,127,952 and a net worth of $1,014,950, ensuring that your finances are in safe hands. Whether you're looking for loans of which we have issued 272 or seeking advice on managing your finances better, our knowledgeable staff is ready to assist you. While members can visit us at our branch location for face-to-face service and support, official correspondence should be directed to our mailing address: 1727 Moseley St, Owensboro, KY 42303-3830. We invite you to explore what Modern Employees has to offer! Feel free to reach out via phone at 270-685-1025, or visit our website at www.modernefcu.net for more information about our services. Your financial success is our priority!

Branch History & Mission

Commitment to Service

Modern Employees is committed to providing accessible banking solutions for everyone. While we currently do not have ATM facilities on-site, we offer basic drive-thru banking services for deposits, withdrawals, and simple transactions from 8:30 am to 5:00 pm CST Monday through Friday. While members can visit us at 1727 Moseley St, official correspondence should be sent to 1727 Moseley St, Owensboro, KY 42303-3830 if needed.

Join Us!

As we look ahead to the future, we invite you to become part of the Modern Employees family. Experience firsthand the benefits of membership where your needs come first! If you're interested in learning more about how we can assist you financially or want to join our growing community of members, please reach out at (270) 685-1025 or visit us online at modernfcu.net. Together, let's build a brighter financial future!

Our Journey

From humble beginnings, Modern Employees has steadily built a reputation for excellence in financial services. We started with a small group of dedicated members who believed in the power of community banking. Over the decades, we've expanded our offerings to include personal banking, auto loans, mortgage services, and credit cards with rewards always with the aim of helping our members achieve their financial goals. Today, with total assets amounting to over $6 million, we continue to prioritize member satisfaction and community involvement.

Our Mission

Our mission at Modern Employees is simple yet profound: to provide quality financial services while fostering a sense of belonging within our community. We believe that everyone deserves access to affordable financial products and services that make life easier. Whether you are looking for checking accounts, savings options, or financing solutions like auto loans or mortgages, we are here to support you every step of the way. We also understand that being a good neighbor extends beyond banking. Through various partnerships and outreach programs, we strive to uplift our local community by supporting initiatives that foster growth and well-being.

Branch Location & Accessibility

Contact Us

While members can visit us at 1727 Moseley St, official correspondence should be sent to our mailing address at 1727 Moseley St, Owensboro, KY 42303-3830. If you have any questions or need assistance, feel free to give us a call at 270-685-1025. We look forward to seeing you soon!

Nearby Landmarks and Accessibility

Situated near several local landmarks, our branch is easily reachable for everyone in the community. If you're coming from downtown Owensboro or the surrounding neighborhoods, you'll find plenty of parking available right outside. We also take pride in being accessible; our facility complies with ADA standards, ensuring that everyone can visit us comfortably.

Operating Hours and Services

We know your time is valuable! That's why we're open Monday through Friday from 8:30 AM to 5:00 PM CST. Whether you prefer visiting us during your lunch break or stopping by after work, we're here for you. At Modern Employees, we offer personal banking services including checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. Plus, enjoy our basic drive-thru banking for quick deposits and withdrawals without leaving your car.

Member Eligibility

At Modern Employees, we believe that joining our community is more than just opening an account; it's about becoming part of a supportive family that values your financial well-being. To become a member of Modern Employees, you simply need to meet a few friendly eligibility requirements. Generally, individuals who are employed by or retired from companies in our field of membership can join. This includes family members of eligible individuals, making it easy for loved ones to benefit together. For detailed information on who qualifies, feel free to check out the specifics at this link. Becoming a member at Modern Employees not only opens doors to a variety of personal banking services but also means you're joining a credit union dedicated to serving you with care and attention. Our location at 1727 Moseley St in Owensboro, KY, is here to welcome you with open arms. If you're ready to take the next step or have any questions, don't hesitate to give us a call at 270-685-1025. We're excited to help you start your journey with us!

Business Banking & Commercial Services

Merchant Services for Real-World Needs

In addition to loans, our merchant services streamline your payment processes, making it easier for customers to pay and for you to manage transactions. Imagine being able to accept payments quickly and efficiently whether online or in-store enhancing customer satisfaction while simplifying your cash flow management. Join us at Modern Employees, located at 1727 Moseley St Owensboro Ky 42303 in Owensboro, KY, where we're dedicated to supporting your business every step of the way. Let's work together to achieve your goals!

Tailored 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.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our competitive auto loans and vehicle financing options can help make that dream a reality. We offer flexible terms and low-interest rates to fit your budget. If you're considering refinancing, we can help simplify the process and potentially save you money.

Business Banking

At Modern Employees, we also cater to local businesses through our business banking services. From merchant services that facilitate smooth transactions to business loans that fuel growth, we're committed to supporting the business community in Owensboro.

Convenience Services

To further enhance your banking experience, we provide various convenience services such as ATM access, enabling you to withdraw cash easily when needed. Though we currently do not have ATMs on-site, our online tools ensure you stay connected with your finances effortlessly. In today's fast-paced world, having easy access to your financial resources is crucial. That's why at Modern Employees Federal Credit Union, we strive to combine traditional banking values with modern conveniences. If you're ready to explore how we can support you financially or if you have any questions about our services, don't hesitate to give us a call at 270-685-1025 or visit us at our branch in Owensboro. Your financial journey begins here!

Credit Cards with Rewards

For those who love earning rewards on their purchases, check out our credit cards with rewards program. Enjoy benefits like cashback on everyday spending and travel rewards that can enhance your experience while saving you money.

Mortgage Loans & Refinancing

Homeownership is within reach with our mortgage loans and refinancing options. Whether you're purchasing your first home or looking to refinance an existing mortgage for better rates, our team is ready to assist you every step of the way.

Personal Banking

We understand that managing your day-to-day finances is essential. That's why we offer personal banking services that include checking and savings accounts designed for every lifestyle. Need easy access to your funds? Our online and mobile banking options let you manage your accounts anytime, anywhere. You can also enjoy hassle-free transactions with our basic drive-thru service, perfect for quick deposits and withdrawals.

Personal Loans & Debt Consolidation

If you find yourself needing extra cash for unexpected expenses or planning a big purchase, our personal loans are here to help. Additionally, if you're juggling multiple debts, consider our debt consolidation solutions that can streamline your payments into one manageable monthly bill.

Digital & Online Banking

Mobile Features

Though we don't have a dedicated mobile application or mobile payments feature at this time, our online banking site is fully optimized for mobile use. This means you can easily manage your account from your smartphone or tablet without missing out on any essential features. In summary, at Modern Employees, we're focused on making banking simple and accessible for you. Explore our digital banking options today by visiting https://www.modernefcu.net/ and take the first step toward effortless financial management!

Online Banking Services

With our 24/7 online banking services, you can check your balance, transfer funds, and pay bills with just a few clicks. No more waiting in long lines or rushing to the bank before closing time! You have real-time control over your finances right at your fingertips. Plus, for those who need to send money quickly, we offer person-to-person transfers that make it easy to split bills or send gifts without hassle.

Security and Ease-of-Use

While convenience is key, security is our top priority. Our online banking system is built with robust security features to protect your personal information. Although we currently do not offer electronic signature authorization or e-statements, rest assured that your data is safe with us. We are committed to providing a secure environment for all your transactions.

Financial Strength

Comprehensive Lending Support

Our lending capacity supports members' financial goals across various sectors with $63 in used auto loans and $2,738,972 in total loans and leases. We strive to provide flexible financing solutions tailored to help you succeed.

Dedicated Team

We also take pride in having 3 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Your satisfaction is our priority!

Growing Membership Base

Total Share and Deposit Accounts: 1,051, 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, Modern Employees is your trusted partner. Visit us at 1727 Moseley St Owensboro Ky 42303 or call (270) 685-1025 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Members' savings are secured through $234,673 in share certificates, offering stable and rewarding financial growth opportunities. This commitment to securing your funds showcases our dedication to your financial well-being.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. This efficiency allows us to keep costs low while enhancing service quality.

Prioritizing Our Members

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.

Reinvesting in You

With $1,014,950 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This approach helps us to continually improve our offerings and meet your needs effectively.

Solid Financial Health

With a net worth of $1,014,950, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,682 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

Are you considering purchasing a vehicle? Look no further. Our auto loans are crafted to provide some of the most competitive rates in the market. With a total of $820,564 allocated to used vehicle loans and $380,505 in new vehicle loans, we've already helped many members hit the road with confidence. Whether you're eyeing a new car or a reliable used one, our team is here to help you navigate your options.

Credit Card Loans

Managing finances can be challenging, but our flexible terms on unsecured credit card loans can help ease that burden. We have facilitated a total of $55,146 in unsecured credit card loans for our members, providing them with the resources they need to manage their expenses effectively.

Credit Lines and More

For those who need additional flexibility, we also offer credit lines with a total available amount of $575,000. This could be the perfect solution if you're looking for quick access to cash without the need for a specific loan purpose. If you're interested in refinancing or checking eligibility for any of these products, please visit our website or call us directly for more information. You can find additional details about membership and eligibility here. At Modern Employees, we are dedicated to providing personalized service and support throughout your borrowing experience. For more insights into our offerings and financial data sourced from the National Credit Union Administration (NCUA), please visit NCUA, based on the latest results. Whether it's buying a car or securing your first home, we're here to assist you every step of the way!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing straightforward. We currently offer Junior Lien 1-4 Family Residential Properties loans totaling $39,604. This is an excellent opportunity for those looking to invest in their future by owning a home.

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 that every offer you see is fair and transparent, allowing you to make informed decisions without the fear of hidden terms or conditions.

MODERN EMPLOYEES FEDERAL CREDIT UNION - Owensboro, KY