Money One Credit Union Largo MD | Best Auto Loans & Business Banking

Introduction

Welcome to Money One, your trusted financial partner located at 9800 Technology Way, Largo, MD 20774. Established in 1951, we have proudly served our community for over seven decades, building a strong foundation of trust and reliability among our 7,743 members. As a member-focused credit union, we are committed to providing personalized banking solutions that cater to your needs. At Money One, we understand the importance of managing your finances effectively. With total assets of $109,677,197 and total deposits amounting to $1,913,665, you can feel secure knowing your money is in good hands. We offer a variety of services including checking and savings accounts, auto loans, mortgage loans, and business banking options designed to help you thrive financially. Our leadership team, led by CEO Beverly Zook and Board President Margaret Phillips, is dedicated to fostering a supportive environment for our members. Our experienced staff of 25 employees is always ready to assist you with any questions or concerns you may have. While members can visit us at our branch location in Largo, official correspondence should be sent to our mailing address: PO BOX 6398, LARGO, MD 20792. We invite you to explore the range of services we offer on our website at Money One FCU. Whether you need assistance with personal banking or business loans, we're here for you every step of the way. Feel free to reach out to us at 301-925-4600 or visit us during our operating hours: Monday through Friday from 9:00 AM to 5:00 PM, and Saturday from 9:00 AM to 1:00 PM for drive-thru services. Your financial journey starts here at Money One!

Branch History & Mission

Community Commitment

Our commitment extends beyond traditional banking; we are deeply involved in community outreach efforts that uplift those around us. We partner with local organizations to provide resources and support where it's needed most. This dedication strengthens the bonds within Largo and demonstrates how together we can create lasting positive change. As you consider joining Money One, know that you will be part of an organization that values its members as individuals not just account numbers. Experience firsthand how we can help you reach your financial aspirations while being an integral part of your community. Join us today at Money One! Let's take this journey together towards a brighter financial future. For more information or inquiries, feel free to call us at 301-925-4600 or visit us online at moneyonefcu.org.

Our Journey

Money One began as a small venture aimed at helping individuals achieve their financial goals. Through hard work and commitment, we have evolved into a cornerstone of the community, offering a wide array of services including checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking solutions. As we grew, so did our responsibility to adapt to the needs of our members while staying true to our core mission: to provide accessible financial services that empower our community. Located conveniently near local landmarks in Largo, our branch is more than just a place for transactions; it's a hub where relationships are built and dreams are supported. While members can visit us at our physical location, official correspondence should be sent to PO BOX 6398, LARGO, MD 20792.

Our Mission

At Money One, we believe that banking should be personal and inclusive. Our mission is to deliver reliable financial services while actively supporting community initiatives that make Largo a better place for all residents. We aim to offer products that meet the needs of each member whether it's financing a new vehicle or providing guidance on saving for future goals. We pride ourselves on keeping pace with digital advancements. Members can enjoy conveniences like online banking and mobile applications tailored for ease of use. We also ensure ADA compliance so everyone can access our services comfortably. With features like ATM availability and drive-thru banking options available during regular hours from 9:00 AM to 5:00 PM Monday through Friday (and Saturday until 1:00 PM), convenience is at the heart of what we do.

Branch Location & Accessibility

Convenient Access

At Money One, we understand that convenience matters. That's why our branch features ample parking and is designed with accessibility in mind, including ADA-compliant ramps to ensure everyone can visit us comfortably. Whether you're coming in for a quick transaction or to discuss your financial goals with our team, we are here to help.

Get in Touch

Have questions or want to learn more? Feel free to reach out at 301-925-4600. Our friendly staff is eager to assist you! While members can visit us at 9800 Technology Way, official correspondence should be sent to PO BOX 6398, Largo, MD 20792. We invite you to come by and experience the exceptional service Money One has to offer. Your financial journey starts here!

Operating Hours

We strive to accommodate your busy schedule with our welcoming operating hours. Our lobby is open from 9:00 AM to 5:00 PM, Monday through Friday. Need assistance on the weekend? Visit us on Saturday from 9:00 AM to 1:00 PM at our drive-thru for all your basic banking needs.

Services Offered

Money One offers a range of services tailored just for you! From personal banking options like checking and savings accounts to auto loans, mortgage refinancing, and credit cards with rewards, we've got you covered. Plus, we provide convenient ATM access and drive-thru services for deposits and withdrawals, ensuring that your banking experience is as smooth as possible.

Member Eligibility

At Money One, we believe that everyone deserves a chance to join our supportive community and take control of their financial future. Becoming a member is simple! If you live, work, or worship in the area, you're likely eligible to join us. We welcome individuals from all walks of life, ensuring that our services cater to your unique needs. For detailed eligibility criteria, feel free to check out this resource: . Once you're ready to join, opening an account is a breeze! Just visit our website at https://www.billpaysite.com/v2/marketing/signup/sso-signup.aspx ?instid=41676&rc=enroll&aspxautodetectcookiesupport=1 to get started, or give us a call at (301) 925-4600 if you have any questions. We're excited to help you on your journey toward financial empowerment right here at Money One, located at 9800 Technology Way Largo Md 20774. Join us today and experience the benefits of being part of our family!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $5 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $45 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $197,075, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer tailored merchant services that simplify payment processing. Imagine serving your customers smoothly at checkout without worrying about transaction hiccups. Our services help streamline operations, allowing you to focus more on what you do best growing your business. Located at 9800 Technology Way Largo Md 20774 in Largo, MD, we're excited to partner with you on your journey. Whether you're looking for financing or reliable payment solutions, visit us or call us at (301) 925-4600 to learn how we can help your business thrive!

Comprehensive List Of Services

Business Solutions

If you're an entrepreneur, we have specialized services just for you. Our Business Banking solutions include essential offerings like Merchant Services and Business Loans to help your business thrive. We understand that every business is unique, so we work closely with you to create solutions that fit your specific needs.

Credit Card Rewards

For those who love rewards, our Credit Cards with Rewards let you earn while you spend. Whether it's cash back on groceries or points towards travel, these cards offer great benefits that suit various spending habits.

Digital Convenience

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking options. You can manage your accounts from anywhere at any time whether it's checking balances, transferring funds, or making payments all from the comfort of your smartphone or computer. Plus, our ATM & Cash Withdrawal Services ensure that accessing your cash is always easy.

Drive-Thru and ATM Access

For those quick transactions on the go, take advantage of our Basic Drive-Thru Banking services where deposits and withdrawals can be completed without leaving your vehicle. Our ATMs are also available for simple transactions like balance checks and withdrawals whenever you need them. At Money One, we're dedicated to making banking work for you. For more information on how we can assist with all your financial needs, feel free to reach out at (301) 925-4600 or visit us online at Money One Fcu. We're excited to partner with you on your financial journey!

Loans Made Easy

Need a new car or perhaps want to buy your dream home? Our Auto Loans & Vehicle Financing and Mortgage Loans & Refinancing services are crafted to make those dreams a reality. With competitive rates and flexible terms, getting behind the wheel or into a new house has never been easier. If you find yourself facing unexpected expenses, our Personal Loans & Debt Consolidation can provide the support you need, allowing you to manage your finances more effectively.

Personal Banking

Whether you're looking to open a checking account for everyday expenses or save for future plans, our Personal Banking options are here for you. We offer both checking and savings accounts that cater to different lifestyles and needs. Imagine having the peace of mind knowing your money is safe and accessible whenever you need it.

Digital & Online Banking

At Money One, we understand that managing your finances should be easy and secure. That's why we offer a range of digital and online banking services designed to fit your busy lifestyle. With 24/7 online banking, you can access your accounts anytime, anywhere, ensuring you're always in control of your money. Our user-friendly online banking platform at https://www.moneyonefcu.org/ allows you to check balances, transfer funds, and manage transactions with just a few clicks. Need to send money to a friend? Use our person-to-person transfer feature for quick and hassle-free payments. Plus, if you're looking for a paperless option, our electronic signature authorization makes it simple to sign documents securely online. Stay on top of your finances with e-statements available through our online services. This not only helps you keep track of your financial activity but also contributes to saving the environment by reducing paper waste. For those on the go, our mobile application provides all the features you need right at your fingertips. You can even set up alerts so you're always informed about your account activity. While mobile payments are not currently offered, rest assured that our existing features provide ample ways to manage your finances effectively. With all these tools at your disposal, you'll find that keeping track of your money has never been easier or more secure. Join us at Money One and experience the convenience of modern banking today!

Financial Strength

Focused on Growth and Innovation

With $10,977,163 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 robust with $1,287 in used auto loans and $84,267,540 in total loans and leases supporting your financial goals across various sectors.

Member-Centric Savings Options

Members' savings are secured through $8,531,844 in share certificates and $9,733,540 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $8,301,621, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our commitment to efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 25 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 $13,152,364, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,199 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trust Built on Transparency

Net Shares (Funds available for lending and investments): $156,545. Total Share and Deposit Accounts: 12,557, 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, Money One is your trusted partner. Visit us at 9800 Technology Way Largo Md 20774 or call (301) 925-4600 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 offer some of the lowest rates in the industry, with over $20,204,362 in used vehicle loans and $4,000,030 in new vehicle loans already helping members get on the road. We provide flexible terms to ensure you find a loan that fits your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $197,075 provide the capital needed to grow and expand. Whether you're starting a new venture or need funds for operational expenses, we are committed to supporting local businesses.

Eligibility and Refinancing Options

If you're unsure about your eligibility for any of these products or if you're considering refinancing existing loans for better rates or terms, our team is here to help. We encourage you to reach out at 301-925-4600 during our operating hours: Monday through Friday from 9:00 AM - 5:00 PM (Lobby) and Saturday from 9:00 AM - 1:00 PM (Drive-up). 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 Money One be your partner in achieving your financial dreams! Visit us today or check our website for more information on how we can assist you.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $4,204,206, make buying or refinancing simple. We are here to guide you through every step of the process so that you can feel confident in your decision.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $3,213,676 in loans helping members manage their finances effectively. These loans provide an excellent way to cover unexpected expenses or make larger purchases without impacting your cash flow significantly.

Loan Aggregator

How LendMesh Ensures 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 rigorous approach ensures that users receive fair and transparent offers that reflect current market conditions. LendMesh takes pride in its verification process: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly.

User Trust and Testimonials

Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the platform's effectiveness and reliability in connecting borrowers with suitable lending options. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

MONEY ONE FEDERAL CREDIT UNION