MTC Credit Union Midland City AL | Best Auto Loans & Checking

Introduction

Welcome to Mtc, your trusted financial partner located at 3792 Mance Newton Rd Ste 2, Midland City, AL 36350. Since our establishment in 1976, we've been dedicated to serving our community with personalized banking solutions that fit your needs. With a total membership of 16,731, we pride ourselves on building strong relationships and offering a sense of belonging to every member. At Mtc, we understand the importance of financial security. That's why we manage assets totaling an impressive $281,244,430 and have facilitated loans and leases exceeding 15,982. Our commitment is not just about numbers; it's about empowering you to achieve your financial goals. With total deposits amounting to $25,047,389 and a net worth of $38,007,671, you can trust that your money is safe and working for you. Led by our passionate CEO William Love and Board President Marion King, our team of 79 dedicated employees is here to assist you every step of the way. Whether you're looking for personal banking services like checking accounts or auto loans, or business banking solutions including merchant services and business loans, we've got you covered. While members can visit us at our branch for assistance or inquiries, official correspondence should be sent to the same address: 3792 Mance Newton Rd Ste 2, Midland City, AL 36350. Ready to take control of your financial future? Visit us online at mtcfederal.com or give us a call at 334-983-2114 today! We look forward to being part of your journey toward financial wellness.

Branch History & Mission

Commitment to Accessibility

In line with our mission, we ensure that our services are accessible to everyone. We are proud to comply with ADA standards so that all members can comfortably access our facilities. Additionally, with ATM availability at our branch, you can easily manage your cash needs any time of day.

Community Engagement

At Mtc, giving back is part of who we are. We actively engage in community initiatives that support local causes and foster development in Midland City. Whether it's sponsoring local events or partnering with organizations aimed at improving lives, we believe in making a positive impact. As we look toward the future, our resolve remains strong: to continue supporting our members with integrity and compassion. If you're looking for a financial partner who truly cares about your success, we invite you to join us at Mtc. Experience firsthand the benefits of being part of a credit union dedicated not just to its members but also to the community as a whole. Let's build a better tomorrow together! Visit us or give us a call at (334) 983-2114 today!

Our Journey

From our humble beginnings, Mtc has evolved significantly. We started with the goal of providing accessible financial services tailored to the needs of our community. Over the years, we have embraced change and innovation, ensuring that we remain relevant in a rapidly changing world. Our location at 3792 Mance Newton Rd Ste 2 Midland City Al 36350 is not just a place for transactions; it's a welcoming space where relationships are nurtured, and dreams are realized. While members can visit us at 3792 Mance Newton Rd Ste 2 Midland City Al 36350, official correspondence should be sent to 3792 Mance Newton Rd Ste 2, Midland City, AL 36350. Our branch is conveniently located near key landmarks that many locals recognize, making it easy for anyone to stop by and learn more about what we offer.

Our Mission

Our mission at Mtc is simple yet profound: to provide exceptional financial services while fostering a strong sense of community. We believe that banking goes beyond numbers it's about people. That's why we strive to create meaningful connections through personalized service, community outreach programs, and partnerships that uplift those around us. We are proud to offer a range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. Our commitment extends beyond traditional banking; we provide online and mobile banking services designed to make managing your finances easy and convenient.

Branch Location & Accessibility

Additional Features

For your convenience, we offer ATM access for quick cash withdrawals and balance checks. Unfortunately, we do not have drive-thru services at this location, but we're committed to providing exceptional service inside the branch. Feel free to give us a call at 334-983-2114 if you have any questions or need assistance before your visit. We look forward to welcoming you at Mtc where your financial journey begins!

Convenient Access

At Mtc, we understand the importance of accessibility. Our branch features ADA-compliant entrances and parking spots close to the entrance, ensuring everyone can visit us with ease. If you need to send official correspondence, please note that our mailing address is the same as our branch address.

Operating Hours & Services

We're here for you during the week with lobby hours from 7:00 AM to 11:00 AM and then again from 12:00 PM to 3:00 PM, Monday through Friday. Whether you're looking to open a new checking account, explore auto loans, or get advice on mortgage refinancing, our friendly team is ready to help!

Member Eligibility

At Mtc, we believe that becoming a member is like joining a close-knit family where everyone supports each other. If you're wondering how to become part of our community, it's quite simple! Our membership is open to individuals who live, work, or worship in specific areas around Midland City, AL. This means that if you're a local resident or connected to the community through your job or faith, you're likely eligible! For more detailed information on eligibility criteria, feel free to check out this link: http://www.mtcfederal.com/membership-agreement/ . Once you confirm your eligibility, opening an account with us is just as easy. You can reach out by calling us at (334) 983-2114, and our friendly staff will guide you through the process. We're excited to offer a range of services tailored for our members, from personal loans and auto financing to online banking options. Joining Mtc means stepping into a world where your financial needs are prioritized and supported 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 also support the broader business community with $19 in non-member commercial loans, providing flexible financing solutions. Imagine being able to invest in new equipment or hire additional staff without the financial strain. With our commercial loan options, you can focus on what matters most growing your business.

Merchant Services

In addition to loans, we offer merchant services that simplify payment processing for your customers. Whether you run a retail shop or a service-based business, our solutions enable smooth transactions, allowing you to serve your clients better. This means less time worrying about payments and more time enjoying the success of your hard work. If you're located in Midland City, AL, stop by our branch at 3792 Mance Newton Rd Ste 2 Midland City Al 36350 or give us a call at (334) 983-2114 to learn how we can help your business flourish!

Comprehensive List Of Services

Business Banking Support

For small business owners, we offer specialized business banking services that include merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we understand the importance of having reliable financial support.

Connect with Us

We invite you to visit us or call us at (334) 983-2114 for more information about how we can assist you in achieving your financial dreams. At Mtc, we're not just about transactions; we're about building relationships and supporting our community's financial well-being. Experience the difference today by exploring all the services we offer! For more details on membership eligibility and additional offerings, please visit us online at Us4. We're here for you!

Digital Banking Convenience

We know that convenience matters in today's busy world. Our online and mobile banking services allow you to access your accounts anytime, anywhere. Need cash? Our ATM and cash withdrawal services make it simple to get what you need without any hassle. Plus, basic ATM access lets you check balances or withdraw funds on the go.

Loans Made Easy

Life can throw unexpected expenses your way, but with our personal loans and debt consolidation options, you can tackle those challenges head-on. Imagine being able to combine multiple debts into one easy monthly payment our team is here to assist you every step of the way. And if you're looking for rewards while spending, check out our credit cards with rewards that give back as you shop.

Personal Banking Solutions

Whether you're just starting out or looking to expand, our personal banking services are tailored for you. From checking and savings accounts that help manage your everyday expenses to auto loans and vehicle financing options that make purchasing a car easier than ever, we've got you covered. If you're considering buying a home, our mortgage loans and refinancing solutions can guide you through the process with ease.

Digital & Online Banking

Key Features for Your Convenience

Our online banking platform is user-friendly and equipped with essential features that make managing your money easier than ever. Enjoy the benefits of e-statements, which allow you to view your account statements electronically no more waiting for mail! Plus, with electronic signature authorization available, signing documents is quick and secure. For those on the go, our mobile application brings banking right to your fingertips. You can make person-to-person transfers with ease perfect for splitting bills or sending money to friends. While mobile payments are not available yet, we ensure that other features meet your needs effectively.

Real-Time Account Management

With real-time account management tools, you'll always know where you stand financially. Monitor spending habits, track deposits, and manage transfers without any hassle. This kind of accessibility means you're in control of your financial journey. Join us at Mtc and experience how digital and online banking can simplify your life while keeping your information secure!

Security You Can Trust

Security is a top priority at Mtc. We implement advanced measures to protect your personal information and transactions. Our online banking services include robust security protocols so you can bank with confidence, knowing that your data is safe.

Financial Strength

A Committed Team

Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 78 full-time employees and 1 part-time employees ready to assist you with knowledgeable service.

Growing Together

Total Share Accounts: 34,863, showcasing a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) stand at $0, highlighting our ability to support your needs effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Mtc is your trusted partner. Visit us at 3792 Mance Newton Rd Ste 2 Midland City Al 36350 or call (334) 983-2114 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

With $37,810,383 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 across various sectors, with $3,138 in used auto loans and $169,084,378 in total loans and leases.

Secure Savings Options

Members' savings are secured through $56,654,815 in share certificates and $64,576,856 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $499,000, 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 $38,007,671, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,350 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 $49,596,109 in used vehicle loans and $10,304,382 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates, making it easier for you to drive away in the vehicle you desire.

Credit Lines and Refinancing Options

Additionally, our credit lines loans total $85,740,250, providing members with easy access to funds when needed. If you're considering refinancing an existing loan, we encourage you to explore your options with us. Our team can assist you in finding the best solutions tailored to your financial situation. For more information or to speak with one of our representatives about your loan options, please call us at (334) 983-2114. We are located at 3792 Mance Newton Rd Ste 2 Midland City Al 36350, Midland City, AL, and we're here to help you navigate your financial choices confidently. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Whether you're ready to apply or just have questions about our services, reach out today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $11,259,471, make buying or refinancing simple. We guide you through each step of the process, ensuring you understand your options and can make informed decisions.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging, which is why we also offer flexible terms on unsecured credit card loans. With a total of $18,917,717 in loans helping members manage their finances effectively, our credit cards come with features designed to suit your spending habits.

Loan Aggregator

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MTC FEDERAL CREDIT UNION