Municipal Empl. Credit Union Baltimore MD | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Municipal Empl.credit Union Of Balt, located conveniently at 4801 Seton Dr, Baltimore, MD 21215. Established in 1936, our credit union has been a trusted financial partner for over 87 years, dedicated to serving the needs of our members and the community. With a strong commitment to enhancing the financial well-being of our 102,023 members, we offer a range of services designed to empower you on your financial journey. At Municipal Empl.credit Union Of Balt, we are proud to manage total assets exceeding $1.23 billion and provide over 44,880 loans, demonstrating our capacity to support diverse financial needs from personal loans and mortgages to auto financing and business banking. Our total deposits stand at an impressive $24,686,001, reflecting the trust our members place in us. Additionally, our net worth is robust at $156,004,327, ensuring stability and security for all who bank with us. Led by our CEO John Hamilton and Board President Roman Clark, our team of 307 employees is here to assist you with personalized service and expert advice. Whether you're looking for checking accounts, savings options, or credit cards with rewards, we're committed to helping you achieve your financial goals. While you can visit us at our branch for all your banking needs, please note that official correspondence should be directed to our mailing address: 4801 Seton Drive, Baltimore, MD 21215. We invite you to explore what we have to offer. Call us today at 410-752-8313 or visit our website at www.mecu.com to learn more about how we can serve you better. Join us in building a brighter financial future together!

Branch History & Mission

Community Engagement

Our partnerships within the community are a testament to our commitment to making a positive impact. We actively participate in local events and support various initiatives aimed at improving life in Baltimore. By working together with local organizations, we help create opportunities for growth and development for all residents.

Join Us

As we look toward the future, we invite you to become a part of our family at Municipal Empl. Credit Union of Baltimore. Experience firsthand how your membership can lead to better financial health and contribute positively to your community. Together, let's build a brighter tomorrow! Visit us during our operating hours Monday through Thursday from 9:00 AM to 4:00 PM, Friday until 5:30 PM, and Saturday until 1:00 PM or explore more about what we offer on our website at mecu.com.

Mission Statement

At the heart of everything we do is our mission: to provide exceptional financial services that enhance the lives of our members and support the community. We believe in not just offering accounts and loans but also fostering financial literacy and wellness among our members. Our outreach programs aim to educate and empower individuals with the tools they need for successful financial management. While members can visit us at 4801 Seton Dr, official correspondence should be sent to 4801 Seton Drive, Baltimore, MD 21215 if needed. We encourage you to reach out with any questions or concerns at 410-752-8313.

Our Journey

From our humble beginnings, we've transformed into a vital part of the Baltimore community. With over 102,000 members today, we have built a reputation for reliability and trustworthiness. Our assets have reached an impressive $1,237,900,198, reflecting not only our growth but also our dedication to the financial well-being of those we serve. As we evolved over the years, we have embraced advancements in technology while ensuring accessibility for all. Our commitment to ADA compliance and customer-centric initiatives means that everyone can benefit from our services. Whether it's through online banking or our convenient drive-thru service, we strive to make banking as easy and accessible as possible.

Branch Location & Accessibility

Call to Action

Have questions or need assistance? Don't hesitate to reach out at 410-752-8313; our team is ready to help! We look forward to seeing you soon at the Seton Branch where community banking meets convenience!

Nearby Landmarks and Accessibility

Situated in the heart of Baltimore City, our branch is close to notable landmarks like the beautiful Preakness Stakes Park and just a short drive from the bustling shopping areas on Reisterstown Road. This prime location ensures that whether you're coming from work or home, popping in for a visit is always easy. Our branch features ADA-compliant access points, including ramps and spacious parking options to accommodate all our members.

Operating Hours and Services

We understand that life can be busy! That's why our lobby is open Monday through Thursday from 9:00 AM to 4:00 PM, extending our Friday hours until 5:30 PM and Saturday mornings until 1:00 PM. Need to make a quick deposit or withdrawal? Take advantage of our Drive-Thru service available on weekdays. Plus, with a 24-hour ATM located in the first lane, you can access your funds whenever it suits you.

Member Eligibility

Joining the community at Municipal Empl.credit Union Of Balt is a wonderful way to enjoy financial services tailored just for you! To become a member, you'll need to meet some simple eligibility criteria. While specifics can vary, generally, if you live, work, or worship in the Baltimore area, you're likely eligible to join us. Being a member of Municipal Empl.credit Union Of Balt means more than just banking; it's about being part of a supportive network that cares about your financial well-being. You'll have access to great products and services designed to help you achieve your goals. Opening an account is easy and welcoming! Just visit us at our location on 4801 Seton Dr Baltimore Md 21215 or give us a call at (410) 752-8313 for more information. For detailed eligibility requirements, check out this resource: . We're excited to have you as part of our family!

Business Banking & Commercial Services

Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $69 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $72 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $62,123,638, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine being able to process payments quickly and easily, ensuring smooth transactions for your customers. Our merchant services help you do just that. By offering tools that streamline payment processing, we enable you to focus more on what matters most growing your business. From credit card processing to point-of-sale solutions, we provide everything you need to manage your sales effectively. Visit us at 4801 Seton Dr Baltimore Md 21215 in Baltimore, MD or call us at (410) 752-8313 to learn how our business banking solutions can help you thrive!

Comprehensive List Of Services

Business Banking

If you're a business owner, we haven't forgotten about you! Our Business Banking services include essential tools like Merchant Services and Business Loans designed to help your business thrive. We understand the challenges small businesses face and are here to support your growth.

Convenient Access

At Municipal Empl.credit Union Of Balt, convenience is key. With our ATM & Cash Withdrawal Services, you can access your money anytime through our ATMs located nearby. Plus, our drive-thru banking allows for quick transactions without leaving your car perfect for busy days when you're on the go! Our friendly staff is ready to assist you with any questions or concerns about our services. Feel free to reach out at (410) 752-8313 or visit us during our operating hours: Monday through Thursday from 9:00 AM - 4:00 PM, Friday until 5:30 PM, and Saturday until 1:00 PM. Join us at Municipal Empl.credit Union Of Balt and experience financial services that truly put you first! For more information about what we offer, visit us online at Seton Branch. We look forward to serving you!

Credit Cards

Looking for rewards while you spend? Our Credit Cards with Rewards program allows you to earn points on everyday purchases, giving you something back every time you swipe.

Home Financing

When it comes to purchasing a home, we understand that this is one of the biggest investments you'll make. Our Mortgage Loans & Refinancing services provide flexible options tailored to first-time buyers and seasoned homeowners alike. With competitive rates and personalized support, we help simplify the mortgage process so you can focus on making memories in your new home.

Personal Banking

Managing your money shouldn't be complicated. At Municipal Empl.credit Union Of Balt, we offer Personal Banking services that include both checking and savings accounts designed to fit your lifestyle. You can easily set up direct deposits and manage your funds with our convenient Online & Mobile Banking tools. Imagine being able to check your balance or transfer money while on the go it's as simple as a few taps on your phone!

Personal Loans

Sometimes life throws unexpected expenses your way, and that's where our Personal Loans & Debt Consolidation come in handy. Whether it's for medical bills, home repairs, or consolidating debt into one manageable payment, we're here to assist you in finding the right solution.

Vehicle Financing

Are you dreaming of driving a new car? Our Auto Loans & Vehicle Financing options make it easy for you to hit the road without the stress of high monthly payments. We work with you to find terms that suit your budget, whether you're buying a new car or refinancing an existing loan.

Digital & Online Banking

Key Features

Our online banking service offers a range of features that help you stay in control of your money. You can view your account balances, transfer funds, and pay bills all from one place. Plus, with our electronic signature authorization, signing documents is quick and hassle-free no more waiting for paperwork in the mail! For those who prefer paperless options, we provide e-statements to keep you updated on your account activity without cluttering your inbox. You'll receive notifications when new statements are available, making it easier than ever to manage your finances.

Mobile Banking

Don't forget about our mobile application! With this handy tool, you can perform all the same functions as online banking right from your smartphone. Need to send money to a friend? Use our person-to-person transfer feature it's fast and secure. Plus, if you're out shopping, take advantage of mobile payments to make transactions directly from your phone.

Security & Accessibility

Security is our top priority at Municipal Empl.credit Union Of Balt. We use advanced encryption technology to ensure that your personal information remains safe while you bank online. Our platform is user-friendly, allowing members of all ages to navigate with ease. With real-time account management and 24/7 access to online banking services, you can check on your finances whenever it suits you best. At Municipal Empl.credit Union Of Balt, we're committed to making banking simpler and more accessible for everyone. Join us today and experience the benefits of modern banking!

Financial Strength

A Growing Community

Total Share Accounts stand at 178,002, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $0, further highlighting our commitment to supporting your financial journey. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Municipal Empl.credit Union Of Balt is your trusted partner. Visit us at 4801 Seton Dr Baltimore Md 21215 or call (410) 752-8313 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $237,084,890 in share certificates and $75,967,167 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $250,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our ability to generate income is reflected in our $1,023,121, showcasing 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 296 full-time employees and 11 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinventing for You

With $154,735,855 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 members' financial goals across various sectors with $12,645 in used auto loans and $809,504,500 in total loans and leases.

Solid Financial Health

With a net worth of $156,004,327, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,260 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 $253,400,609 in used vehicle loans and $55,628,345 in new vehicle loans already helping members get on the road. Whether you're looking for a reliable used vehicle or a brand-new ride, we have financing options that work for you.

Business Financing

For business owners, our outstanding commercial loans totaling $62,123,638 provide the capital needed to grow and expand your business operations. We are committed to supporting local businesses and helping them thrive. At Municipal Empl.credit Union Of Balt, we believe in making borrowing accessible and straightforward. Our team is here to assist you with any questions regarding refinancing or eligibility options available for our loan products. We pride ourselves on transparency and customer service, ensuring that you feel confident in your financial decisions. For more information about our loan offerings or to speak with a representative, feel free to call us at (410) 752-8313 or visit us at 4801 Seton Dr Baltimore Md 21215 in Baltimore, MD. 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's work together toward your financial success!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $73,497,832, make buying or refinancing simple. We aim to support our members throughout the entire home-buying process with straightforward terms and flexible eligibility options.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $37,337,663 in loans helping members manage their finances effectively. These cards provide an easy way to handle unexpected expenses while maintaining control over your budget.

Loan Aggregator

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Ensuring 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 ), ensuring fair and transparent offers. Each lender's information is regularly updated to reflect current rates and terms, allowing users to make informed decisions without uncertainty.

MUNICIPAL EMPL.CREDIT UNION OF BALT CREDIT UNION