Monroe County Teachers Credit Union Key West FL | Best Auto Loans & Business Banking

Introduction

Welcome to Monroe County Teachers, your trusted financial partner located at 1442 Kennedy Dr, Key West, FL 33040. Established in 1950, our credit union has been dedicated to serving the local community for over seven decades. With a strong commitment to our members, we take pride in providing personalized banking solutions that meet your unique needs. At Monroe County Teachers, we believe in fostering a supportive environment for our members. With a total membership of 2,096, we focus on building lasting relationships and empowering individuals through sound financial advice and exceptional service. Our assets currently stand at an impressive $26,874,056, which underscores our stability and reliability as a financial institution. We offer a wide range of services designed to enhance your financial well-being. Whether you're looking for checking and savings accounts, auto loans, mortgage refinancing, or business banking solutions, our experienced team is here to assist you every step of the way. As of now, we have successfully provided 948 loans and leases to our members, amounting to significant support for personal and business endeavors. Your trust is important to us, and we're proud to maintain a net worth of $2,605,118, ensuring that your deposits are secure with us. We also hold total deposits of $3,145,532, reflecting our members' confidence in our services. Additionally, we have $131,008 in cash readily available to meet your immediate needs. Led by CEO Cary Csombok and Board President Holly Hummell-Gorman, our team is dedicated to ensuring you receive the best possible experience when you visit us or reach out via phone at 305-296-8546. While you're welcome to come see us at our branch location, please note that all official correspondence should be sent to the same address. As part of our ongoing mission to enhance member convenience, we offer various modern banking options including online and mobile banking services. We invite you to explore all that Monroe County Teachers has to offer by visiting our website at monroecountyteachersfcu.org. Join us today and discover why so many choose Monroe County Teachers as their go-to credit union! We look forward to serving you!

Branch History & Mission

Our Mission

At Monroe County Teachers, our mission is simple yet profound: to enhance the financial well-being of our members while supporting the educational community. We believe in empowering individuals with the tools they need to achieve their financial goals. This includes everything from providing competitive loan rates to offering convenient online and mobile banking services that fit into busy lives. We also take pride in giving back to our community. Through partnerships with local schools and organizations, we actively engage in outreach efforts that promote education and financial literacy. Whether it's sponsoring school events or providing workshops on budgeting and saving, we are committed to making a positive impact beyond just banking. While members can visit us at our branch address of 1442 Kennedy Dr, official correspondence should be sent to the same address. We're open Monday through Friday from 9 AM to 5 PM, ensuring you have access to our services when you need them most. Our branch also features an ATM for your convenience, although we do not offer drive-thru banking or shared service centers at this time. If you have any questions or need assistance, feel free to reach out to us at 305-296-8546. Join us today at Monroe County Teachers and experience firsthand how we can help you navigate your financial journey while being an active part of your community! For more information about membership eligibility or our range of services, please visit our website at monroecountyteachersfcu.org. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to Monroe County Teachers, your friendly neighborhood credit union located at 1442 Kennedy Dr, Key West, FL 33040. Nestled in the heart of beautiful Key West, our branch is easily accessible and conveniently situated near popular landmarks such as the stunning beaches and vibrant local shops. We pride ourselves on being a community-focused institution where you can handle all your banking needs with ease. While members can visit us at our branch address, official correspondence should be sent to the same location: 1442 Kennedy Dr, Key West, FL 33040. Our branch features ample parking for your convenience and is fully compliant with ADA standards, ensuring that everyone can access our services without any hassle. We understand that your time is valuable, which is why we offer flexible operating hours from 9 AM to 5 PM, Monday through Friday. If you need assistance or have questions about your accounts, don't hesitate to give us a call at 305-296-8546. At Monroe County Teachers, we are proud to offer a variety of services tailored to meet your needs, including personal banking options like checking and savings accounts, auto loans, mortgage refinancing, and even credit cards with rewards. Plus, we provide ATM access for quick cash withdrawals and balance checks whenever you need it. Although we do not have drive-thru banking available at this location or shared service centers nearby, our friendly staff is here to assist you in person every step of the way. Whether you're looking to open a new account or need help with an existing one, we invite you to stop by and experience our exceptional service firsthand. Come visit us today at Monroe County Teachers! We look forward to serving you and helping you achieve your financial goals.

Member Eligibility

At Monroe County Teachers, we believe that joining our community is about more than just banking; it's about becoming part of a supportive family that looks out for one another. If you're an educator, employee, or retiree of the Monroe County School District, or if you have a family member who meets these criteria, you're already on your way to becoming a member! We also welcome those who live or work in Monroe County. It's simple and inclusive our goal is to make sure everyone feels at home with us. To learn more about how to become a member and to check the latest eligibility details, feel free to visit our website at Monroe County Teachers FCU Membership. Once you're ready, opening your account is just as easy. You can reach us at (305) 296-8546 for assistance or visit us at 1442 Kennedy Dr, Key West, FL 33040. Join us today and discover the advantages of being part of Monroe County Teachers!

Business Banking & Commercial Services

Merchant Services That Make a Difference

In addition to loans, we offer essential merchant services designed for everyday operations. Imagine having access to payment processing solutions that simplify transactions and enhance customer experiences. From accepting card payments to managing cash flow seamlessly, our services are tailored to meet your unique needs as a business owner. Visit us at 1442 Kennedy Dr Key West Fl 33040 or give us a call at (305) 296-8546. Let's work together to take your business further!

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

Business Banking Solutions

For our business members, we provide comprehensive banking services that cater to small businesses and entrepreneurs alike. From merchant services that facilitate transactions to business loans that fuel growth, we're committed to supporting your success.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer online and mobile banking solutions that allow you to manage your finances on the go. With just a few clicks or taps, you can check balances, transfer funds, and pay bills all from the comfort of your home or wherever life takes you. Our ATM services ensure that cash withdrawal is hassle-free; whether you need quick access to cash or want to check your balance, we've got you covered with basic ATM access right at your fingertips.

Get Started Today!

We invite you to explore the many ways Monroe County Teachers can help simplify your financial life. Our team is eager to assist you in finding the right products and services tailored specifically for your needs. Visit us at 1442 Kennedy Dr Key West Fl 33040 or give us a call at (305) 296-8546. Together, let's build a brighter financial future! For more information about membership eligibility, visit this link.

Personal Banking Services

When it comes to personal banking, we offer a variety of options tailored just for you. Our checking and savings accounts are designed to help you manage your day-to-day finances effectively. Whether you're saving for a vacation or planning for future expenses, our accounts come with features that make banking simple and accessible. Need financing for a new vehicle? Our auto loans and vehicle financing options provide competitive rates, making it easier for you to hit the road in style. We also offer mortgage loans and refinancing solutions for those looking to buy their dream home or lower their current mortgage payments. If life throws unexpected costs your way, our personal loans and debt consolidation services are here to help you navigate those challenges without stress. Plus, our credit cards come with rewards that let you earn while you spend.

Digital & Online Banking

Key Features

With just a few clicks, you can access your account anytime, anywhere through our online banking portal at https://www.monroecountyteachersfcu.org/ . Whether you're checking your balance or transferring funds, our 24/7 online banking services allow you to stay in control of your money around the clock. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick. You can send cash directly from your account with ease. Plus, if you're always on the go, our mobile application provides all the functionalities you need right at your fingertips, including mobile payments for swift transactions.

Security and Accessibility

Your security is our top priority. We ensure that all transactions are protected with robust security measures, giving you peace of mind as you navigate your finances online. Additionally, with e-statements available, you can easily keep track of your account activity without the hassle of paper statements. Although we do not offer electronic signature authorization at this time, we continue to focus on providing secure and efficient services that cater to our members' needs. Our commitment to accessible banking means you can take charge of your finances whenever it suits you. In short, Monroe County Teachers offers everything you need for easy and secure banking online. Join us today and experience the freedom of managing your accounts from wherever life takes you!

Financial Strength

Continuous Growth and Innovation

With $2,311,592 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 your financial goals with $242 in used auto loans and $19,984,953 in total loans and leases.

Member-Centric Focus

Unlike traditional banks, we prioritize our members. With non-member deposits at $2,948,947, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $40,951 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 5 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $8,072,444 in share certificates, offering stable and rewarding financial growth opportunities. While we also have $0 in money market shares, which provide additional ways for our members to grow their funds securely.

Solid Financial Health

With a net worth of $2,605,118, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $968 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Member Base

We currently manage 3,424 total share accounts, showcasing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments stand at $146,866, further demonstrating our commitment to fostering your financial well-being. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Monroe County Teachers is your trusted partner. Visit us at 1442 Kennedy Dr Key West Fl 33040 or call (305) 296-8546 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $6,059,291 in used vehicle loans and $10,262,251 in new vehicle loans already helping members get on the road. We provide flexible terms to ensure you find an option that fits your budget perfectly. Plus, if you're thinking about refinancing an existing auto loan, we can help with that too!

Business Financing

For business owners, our outstanding commercial loans provide the capital needed to grow and expand. Although we currently do not have any outstanding commercial loans listed, we're here to discuss future opportunities for financing that suit your business needs. At Monroe County Teachers, we're committed to providing exceptional service and competitive rates across all our loan offerings. For more information or to get started with your application today, give us a call at (305) 296-8546 or visit our website at https://www.monroecountyteachersfcu.org/ . Remember, 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 us help you take the next step toward achieving your financial dreams!

Mortgage Options

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We currently offer Junior Lien 1-4 Family Residential Properties loans totaling $0. Whether you're purchasing your first home or refinancing your current mortgage, our competitive rates and personalized service will guide you every step of the way.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. This product allows you to make purchases without tying them to any collateral, giving you more freedom and flexibility.

Loan Aggregator

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MONROE COUNTY TEACHERS FEDERAL CREDIT UNION