Mountain Laurel Credit Union Saint Marys PA | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Mountain Laurel, your trusted partner in financial well-being since 1970. Nestled in the heart of Saint Marys, PA at 413 S Michael St, 15857, our credit union is dedicated to serving the community with integrity and care. With a total membership of over 18,445 individuals, we are proud to be a part of your financial journey, offering a range of services tailored to meet your needs. At Mountain Laurel, we believe that everyone deserves access to quality banking solutions. Our total assets stand strong at $154,125,823, reflecting our commitment to providing secure and reliable services. Whether you're looking for personal banking options like checking and savings accounts, or you need assistance with auto loans and mortgages, we've got you covered. Our leadership team is led by the dedicated CEO, Rena Sennett, alongside Board President Daniel Jones, who both share a vision of fostering financial growth within our community. Together with our team of 38 employees, we work hard every day to ensure that you receive the best possible service. While members can visit us at our main office for all their banking needs, official correspondence should be sent to our mailing address at PO Box 193, Saint Marys, PA 15857. We invite you to explore our offerings further by visiting our website at Mountain Laurel FCU. If you're ready to take the next step in your financial journey or have any questions about our services, don't hesitate to reach out! Call us at 814-834-9518 or drop by during our operating hours: Monday through Wednesday from 9 AM to 4 PM; Thursday from 9 AM to 5 PM; and Friday from 9 AM to 6 PM. Let us help you achieve your financial goals today!

Branch History & Mission

Mountain Laurel has a rich history that began in 1970 in the heart of Saint Marys, Pennsylvania. From its humble beginnings, this credit union has grown into a vital part of the community, serving over 18,445 members today. With total assets reaching an impressive $154,125,823, Mountain Laurel continues to demonstrate its commitment to financial health and community support. Located at 413 S Michael St, Saint Marys, PA 15857, Mountain Laurel is easily accessible for local residents. The branch's operating hours are designed for your convenience: Monday through Wednesday from 9 AM to 4 PM, Thursday from 9 AM to 5 PM, and Friday from 9 AM to 6 PM. For those who prefer drive-thru service, Mountain Laurel offers a dedicated drive-thru lane for quick transactions. The mission of Mountain Laurel is clear: to provide exceptional financial services while fostering a sense of community among its members. This credit union focuses on personal banking needs such as checking and savings accounts, auto loans, mortgages, and business banking solutions. In addition to traditional financial products, Mountain Laurel embraces modern technology with online and mobile banking options that make managing finances easier than ever. Over the years, Mountain Laurel has not only focused on financial growth but also on community outreach. The credit union actively engages in partnerships that uplift local initiatives and support those in need within Saint Marys and surrounding areas. The leadership team believes that strong communities lead to stronger financial futures for all. While members can visit us at 413 S Michael St, official correspondence should be sent to PO Box 193, Saint Marys, PA 15857 if you choose. In keeping with its commitment to serve everyone equally, Mountain Laurel ensures accessibility through various customer-centric initiatives. Whether you're looking for a new loan or simply want advice on managing your finances, the dedicated staff is here to help. Join us at Mountain Laurel and experience the difference of being part of a credit union that truly cares about its members and the community. Visit our website at Mountain Laurel FCU or call us at 814-834-9518 for more information on how you can become a member today!

Branch Location & Accessibility

Accessibility Features

Our branch is designed with accessibility in mind. You'll find ample parking available, as well as ADA-compliant features such as ramps and accessible entrances. Our goal is to ensure that everyone feels welcome and can easily navigate our space.

Operating Hours

We know your time is valuable! That's why we offer flexible operating hours tailored to fit your schedule. Our lobby is open Monday through Wednesday from 9 AM to 4 PM, Thursday from 9 AM to 5 PM, and Friday from 9 AM to 6 PM. Whether you prefer early mornings or late afternoons, we're here when you need us.

Services Available

At Mountain Laurel, we offer a variety of services that cater to both personal and business banking needs. While we don't have ATM services at this location, our drive-thru banking is perfect for quick deposits and withdrawals without leaving your vehicle. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. We invite you to reach out with any questions at 814-834-9518 or stop by our branch today! Our friendly staff looks forward to helping you achieve your financial goals. Come see how Mountain Laurel can be part of your financial journey!

Member Eligibility

Joining the Mountain Laurel community means becoming part of a supportive family that values your financial well-being. At Mountain Laurel, we welcome anyone who lives, works, worships, or attends school in our service area to become a member. This inclusive approach ensures that you can benefit from our wide range of services tailored to meet your needs. Whether you're looking for personal banking, auto loans, or even mortgage options, our goal is to help you thrive financially. For more detailed eligibility criteria, feel free to visit our website at https://www.mlfcu.net/community/about-us-membership/ . Ready to take the next step? Opening an account with us is easy and straightforward! Just head over to our account opening page at https://www.realtimehomebanking.com/enroll.aspx?clientid=20053 . If you have any questions or need assistance, don't hesitate to reach out at 814-834-9518. We're here to help you every step of the way!

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 $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 merchant services designed to simplify your transactions. Picture a bustling retail shop that needs reliable payment processing options. Our services allow businesses to accept various payment methods seamlessly, making it easier for customers to make purchases while ensuring you get paid quickly. Located at 413 S Michael St Saint Marys Pa 15857 in Saint Marys, PA, our team is ready to assist you with all your business banking needs. Whether you're looking for a loan or want to enhance your payment systems, we're here to help you thrive. Contact us today at (814) 834-9518 for more information!

Comprehensive List Of Services

Banking Convenience at Your Fingertips

At Mountain Laurel, we know convenience matters. That's why we also feature basic drive-thru banking services for quick deposits and withdrawals without stepping inside the branch. If digital is more your style, take advantage of our online and mobile banking capabilities to handle all your transactions securely. In addition to these offerings, we ensure that members have access to ATM services for cash withdrawals when needed making banking accessible around the clock. If you're ready to experience personalized financial services backed by a supportive team, give us a call at (814) 834-9518 or visit us today at 413 S Michael St Saint Marys Pa 15857 in Saint Marys, PA. We look forward to being part of your financial journey!

Financing Your Dreams

When it comes to financing, we provide competitive auto loans and vehicle financing options. Whether you're buying a new car or refinancing an existing loan, our flexible terms ensure that you get a deal that suits your budget. Additionally, if you're dreaming of homeownership, our mortgage loans and refinancing services are designed to help you secure that perfect home at a rate you'll love.

Help with Personal Needs

Life can throw unexpected expenses your way, which is why we also offer personal loans and debt consolidation solutions. These products are aimed at helping you manage those financial hurdles without stress. Plus, our credit cards with rewards allow you to earn while you spend perfect for everyday purchases or special treats!

Personal Banking Made Easy

We offer various personal banking options including checking and savings accounts tailored to fit different lifestyles. Imagine having the ability to access your funds quickly through our online and mobile banking platforms. You can check your balance, transfer money, and pay bills all from the comfort of your home or on the go! Our convenient features make managing your finances simpler than ever.

Support for Local Businesses

For our business members, we provide essential services such as merchant services and business loans. This support helps local entrepreneurs thrive in the community by giving them access to the capital they need for growth.

Digital & Online Banking

Key Features

One of the great benefits of banking with us is the option to sign up for e-statements. Enjoy the ease of receiving your statements electronically, which helps reduce clutter while keeping all your important information secure and accessible. If you're looking to send money quickly, our person-to-person transfer feature makes it easy to send funds directly to friends or family without any hassle. For those who prefer using their smartphones, our mobile application is here for you. You can check balances, deposit checks, and manage transactions right from the palm of your hand. Although we don't currently offer mobile payments, our app still provides essential features to help you stay on top of your finances.

Security and Accessibility

We prioritize your security with every transaction. Rest assured that your information is protected as you bank online. Although we do not offer electronic signature authorization at this time, we continue to uphold high standards for safeguarding your personal data. In a world where life moves fast, Mountain Laurel aims to provide accessible solutions that fit into your lifestyle. Our online banking services not only save you time but also give you real-time control over your accounts. Whether it's checking balances or making transfers from anywhere, we've got you covered!

Financial Strength

Dedicated Team

We also take pride in having 29 full-time employees and 9 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Membership

With a total of 29,148 share accounts, we showcase 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, Mountain Laurel is your trusted partner. Visit us at 413 S Michael St Saint Marys Pa 15857 or call (814) 834-9518 to learn more about how we can help you achieve your financial goals.

Lending Capacity

Our lending capacity supports members' financial goals across various sectors. With $2,068 in used auto loans and $80,401,246 in total loans and leases, we're here to help you secure the financing you need for your next purchase or project.

Member-Focused Resources

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 $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Reinvestment in Services

With $24,220,155 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment to reinvestment allows us to keep up with your evolving needs.

Secure Savings Options

Members' savings are secured through $4,257,059 in share certificates, offering stable and rewarding financial growth opportunities. While we currently do not have any money market shares, rest assured that your deposits are protected and working hard for you.

Strong Financial Health

With a net worth of $27,138,135, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,759 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

Additional Options

For those looking for even more financing solutions, we have total credit lines available amounting to $4,900,000. This gives you access to funds when you need them most. If you're interested in refinancing any of your existing loans or exploring eligibility options for our various products, we encourage you to reach out. Our dedicated staff at Mountain Laurel is ready to assist you with all your questions. You can visit us at our branch located at 413 S Michael St, Saint Marys, PA 15857 or give us a call at 814-834-9518 for more details about our offerings. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. At Mountain Laurel, we're committed to helping you navigate your financial journey efficiently and effectively!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $30,312,532 in used vehicle loans and $16,371,920 in new vehicle loans already helping members get on the road. We provide flexible financing options for both new and used vehicles to make your purchase easier.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,095,882 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits that can fit your lifestyle.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,111,195, make buying or refinancing simple. Whether you're a first-time buyer or looking to refinance your existing mortgage, our team is here to guide you through every step of the process.

Loan Aggregator

Ensuring Accurate Loan Comparisons

LendMesh prioritizes transparency and reliability in its comparisons. The 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 to using verified sources ensures fair and transparent offers for all users.

Key Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, providing peace of mind to users looking for trustworthy options. - No Sponsored Listings: Unlike many comparison tools, LendMesh does not prioritize lenders based on paid promotions. Instead, the platform aims to deliver unbiased results that serve the best interests of users. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, allowing them to make informed decisions quickly and efficiently. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This feedback highlights how LendMesh can significantly impact users' financial decisions. To explore your options further, 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.

MOUNTAIN LAUREL FEDERAL CREDIT UNION