Mower County Employees Credit Union Austin MN | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Mower County Employees Credit Union, your trusted financial partner located at 900 18th Ave NW, Austin, MN 55912. Established in 1961, we have proudly served our community for over six decades, building strong relationships with our 777 members and focusing on their financial well-being. Our commitment to providing personalized services is reflected in our impressive total assets of $11,708,775 and total deposits amounting to $110,823. At Mower County Employees, we understand that financial needs vary from person to person. That's why we offer a wide range of services including checking and savings accounts, auto loans, mortgage options, personal loans, and business banking solutions. Whether you're looking to finance your dream car or need assistance with debt consolidation, our dedicated team is here to help. Under the leadership of our CEO, Stephanie Riles, and Board President, Duane Felt, we strive to create a welcoming environment where members feel valued and supported. With a total of 4 employees, we ensure that each member receives the attention they deserve. While members can visit us at our main branch for all their banking needs, official correspondence should be sent to the same address: 900 18th Ave NW, Austin, MN 55912. We invite you to explore our website at mowercountyecu.org for more information about our services and how we can assist you. Join us today and experience a credit union that truly cares about its community. Call us at 507-437-6360 or stop by during our lobby hours from 11:00 AM to 4:00 PM on weekdays. Let's work together towards achieving your financial goals!

Branch History & Mission

The Mower County Employees Credit Union has a rich history of serving the community since its establishment in 1961. Over the decades, we have grown from a small group of dedicated members into a vital financial institution with a total membership of 777. Our branch is located at 900 18th Ave NW, Austin, MN 55912, conveniently situated near local landmarks that make it easy for our members to access our services. Our mission is straightforward yet impactful: to provide personalized financial services while supporting our members and the community around us. We understand that financial well-being goes hand in hand with strong community ties, which is why we strive to make a difference through various outreach initiatives and partnerships. We aim not just to serve our members' banking needs but also to uplift the community by participating in local events and supporting charitable causes. As we have evolved, we've embraced modern advancements to enhance member experiences. Our services include personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Additionally, we offer online and mobile banking solutions, ensuring our members can manage their finances conveniently from anywhere. At Mower County Employees Credit Union, we prioritize accessibility and inclusivity. Our branch features ADA-compliant facilities and offers basic drive-thru banking for quick transactions like deposits and withdrawals. While we do not currently provide ATM services, our drive-thru service remains available during our operating hours: Monday through Friday from 11:00 AM to 4:00 PM. If you need to reach us for any inquiries or assistance, feel free to call us at 507-437-6360. While members can visit us at 900 18th Ave NW, official correspondence should be sent to the same address as our mailing address. Join us at Mower County Employees Credit Union and experience the benefits of being part of a community-focused financial institution dedicated to helping you achieve your financial goals. We invite you to become a member today and be part of our journey towards better financial health for everyone in Austin and beyond!

Branch Location & Accessibility

Accessibility Features

At Mower County Employees Credit Union, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, ensuring that everyone can visit us comfortably. Parking is ample and easily accessible, allowing for a hassle-free experience when you arrive.

Operating Hours

We understand that life can be busy, which is why our doors are open Monday through Friday from 11:00 AM to 4:00 PM. These hours provide you with plenty of time during the week to stop by and take care of your personal banking needs.

Services Offered

While you're here, take advantage of our drive-thru service for quick deposits and withdrawals without leaving your vehicle. Although we currently do not offer ATM services at this branch, our friendly staff is always ready to assist you with personal banking options such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. If you're looking for additional information or need assistance outside of these hours, feel free to reach out to us at 507-437-6360. While members can visit us at 900 18Th Ave Nw, official correspondence should be sent to the same address since it doubles as our mailing address. We invite you to come by Mower County Employees Credit Union today! Experience our commitment to serving you with a smile and discover how we can support your financial journey.

Member Eligibility

Becoming a member of Mower County Employees is like joining a close-knit community where your financial well-being is our top priority. If you live or work in Mower County, you're already on the right track! We welcome individuals who are employed by or are retired from Mower County and related organizations. This means that whether you're starting your career or enjoying retirement, you can take advantage of all the benefits we offer. By becoming a member, you'll gain access to personalized services that cater to your unique needs, such as competitive loan rates and tailored financial solutions. Opening an account with us is straightforward and welcoming just visit us at 900 18Th Ave Nw Austin Mn 55912 or give us a call at (507) 437-6360 for more details on how to start your membership journey. For those looking for further specifics about eligibility, feel free to check out our website at . Join us at Mower County Employees, where we're excited to support you 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. For those who aren't members yet, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions tailored to meet diverse needs.

Merchant Services

In addition to loans, we offer comprehensive merchant services designed to simplify your transactions. Imagine being able to process payments seamlessly while focusing on what you do best growing your business. Our services allow you to accept various payment methods, ensuring your customers have a smooth shopping experience. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses. Join us at Mower County Employees and discover how we can help turn your business dreams into reality!

Comprehensive List Of Services

Additional Services

While visiting us at the branch, enjoy our basic drive-thru banking, where you can handle deposits, withdrawals, and simple transactions without stepping inside. We aim to make every visit quick and efficient. If you have questions or need assistance with any of our services, don't hesitate to reach out! You can call us at 507-437-6360, and our friendly team will be more than happy to help.

Business Banking Solutions

We understand that businesses also require solid financial backing. Our business banking services include tailored solutions such as merchant services and business loans designed to help local businesses thrive.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why at Mower County Employees, we offer robust online and mobile banking platforms. Check your balance, transfer funds, or pay bills from the comfort of your home or on-the-go using our user-friendly mobile application. You can even take advantage of our person-to-person payment options for easy transactions between friends and family.

Join Us Today!

At Mower County Employees, we are committed to helping you achieve your financial goals with ease and convenience. Explore all that we offer by visiting our website at Mower County Employees Credit Union. We look forward to serving you!

Personal Banking Services

Managing your money should be simple and straightforward. That's why we offer checking and savings accounts that fit your lifestyle. Need to purchase a new car? Our auto loans and vehicle financing options make it easy to drive away with a great deal. If you're thinking about buying a home, check out our mortgage loans and refinancing services that help you navigate the process smoothly. For those unexpected expenses, our personal loans and debt consolidation options provide the support you need to get back on track. Plus, don't forget about our credit cards with rewards, which give you the opportunity to earn while you spend!

Digital & Online Banking

Key Services

Explore our online banking platform at https://www.mowercountyecu.org/ where you can access 24/7 online banking services. This means you can check your account balances, pay bills, and transfer money all at your convenience. Need to send money to a friend? Our person-to-person transfer feature makes it easy to send funds directly from your account to theirs, hassle-free. For those who prefer mobile banking, we offer a user-friendly mobile application that allows you to handle your transactions right from your smartphone. Whether you're making payments or checking your statements, it's all just a tap away. Plus, with electronic signature authorization, signing documents is quick and straightforward no need for paper or ink.

Security & Accessibility

Your security is our top priority. Our online banking services come with robust security features that protect your personal information while giving you peace of mind as you manage your finances. We also provide e-statements for those who prefer digital records over paper statements keeping your information organized and accessible. Although we currently do not support mobile payments, our online and mobile platforms are continually evolving to meet your needs. At Mower County Employees, we strive to make banking as easy and efficient as possible so that you can focus on what matters most. Experience the convenience of modern banking today with Mower County Employees!

Financial Strength

Commitment to Growth

With $1,584,166 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. This commitment allows us to support your financial goals effectively. We have also provided $10,371,476 in total loans and leases, including $222 in used auto loans, demonstrating our capacity to assist members across various sectors.

Growing Member Base

Total Share Accounts: 1,476, 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, Mower County Employees is your trusted partner. Visit us at 900 18Th Ave Nw Austin Mn 55912 or call 507-437-6360 to learn more about how we can help you achieve your financial goals!

Operational Efficiency

Our net income of $38,572 reflects our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 4 full-time employees ready to serve you with a knowledgeable and committed team.

Secure Savings Options

Members' savings are secured through $3,555,283 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $1,942,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $1,851,895, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 15.74% 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 $3,400,264 in used vehicle loans and $739,119 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have options tailored for you.

Credit Lines and Personal Loans

For those needing extra flexibility, we offer credit lines totaling $750,000. These can be an excellent way to manage unexpected expenses or fund personal projects. We also provide unsecured credit card loans that allow members to manage their finances effectively; currently totaling $0, these options are designed with your financial health in mind.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,567,792, make buying or refinancing simple. We strive to provide flexible solutions that help you navigate the path toward owning your dream home.

Refinancing Options

If you're looking to lower your monthly payments or consolidate debt, our refinancing options could be just what you need. We encourage you to reach out for more information on eligibility requirements and how we can assist you in making your financial situation easier. You can contact us at 507-437-6360 for any questions or if you're ready to explore our loan offerings further. Our team is here to help guide you through every step of the process. 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 Mower County Employees, we're dedicated to supporting our community's financial well-being with transparent loan products designed for real-life needs. Visit us at 900 18th Ave NW, Austin, MN 55912 or check our website at mowercountyecu.org for more details!

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MOWER COUNTY EMPLOYEES CREDIT UNION - Austin, MN