Municipal Empl Credit Union Baltimore MD | Affordable Auto Loans & Top Checking

Introduction

Welcome to the Loch Ridge Center Branch of the Municipal Empl.credit Union Of Balt, where our commitment to serving you runs deep. Established in 1936, we've grown into a trusted financial partner for over 102,000 members in the Baltimore area. Our branch, located at 8507 Loch Raven Blvd, Baltimore, MD 21286, is not just a place for banking; it's a community hub where your financial well-being is our top priority. At the heart of our operations is a strong foundation built on trust and reliability. With total assets reaching an impressive $1,237,900,198, we are equipped to provide a wide range of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans, mortgages, and business banking solutions our diverse offerings are designed to empower you financially. Your deposits are safe with us; we proudly manage over $24,686,001 in total deposits and maintain a robust net worth of $156,004,327. Our team works tirelessly to ensure that your money is not just stored but actively working for you. We also have $15,304,259 in cash readily available to cater to your immediate needs. Under the leadership of CEO John Hamilton and Board President Roman Clark, we prioritize your experience and satisfaction. Our dedicated staff of 307 employees is here to assist you six days a week. Whether you're visiting during lobby hours from Monday through Friday between 12:00 PM - 7:00 PM or Saturday from 9:00 AM - 1:00 PM, or using our 24-hour ATM service, we're ready to help you navigate your financial journey. While members can visit us at our branch address, official correspondence should be sent to the same location. We invite you to explore all that we have to offer by visiting our website at mecu.com or calling us at 410-547-3220. Join us today and discover how we can support your financial goals!

Branch History & Mission

Our Journey

Since our inception, we have grown significantly, now boasting a total membership of 102,023 individuals. This growth reflects our dedication to providing exceptional financial services tailored to the needs of our members. Over the years, we've expanded our offerings from basic savings accounts to a comprehensive range of services that includes auto loans, mortgage financing, and business banking solutions. Today, our total assets stand at an impressive $1,237,900,198, showcasing our strong financial foundation and trust within the community. We take pride in being more than just a credit union; we are a community partner. Throughout our history, we've engaged in numerous outreach initiatives aimed at improving financial literacy and supporting local causes. Whether it's sponsoring educational programs or participating in community events, we believe in giving back to the neighborhoods that have supported us.

Our Mission

At Loch Ridge Center Branch, our mission is clear: to empower our members with reliable financial services while fostering a sense of belonging and community spirit. We strive to provide personalized banking experiences that meet your unique needs whether you're looking to open a checking account or secure financing for your dream home. Our operating hours are designed for your convenience: we're open Monday through Friday from 12:00 PM to 7:00 PM and Saturday from 9:00 AM to 1:00 PM. Plus, with 24-hour ATM availability and drive-thru banking services, accessing your funds has never been easier. While members can visit us at 8507 Loch Raven Blvd, official correspondence should be sent to 8507 Loch Raven Blvd, Baltimore, MD 21286 if different. Should you have any questions or require assistance, don't hesitate to reach out by calling us at 410-547-3220. As we look ahead to the future, we invite you to join us on this journey. Experience firsthand how being part of the Municipal Employees Credit Union of Baltimore can benefit you and your family. Together, let's build a brighter financial future for our community!

Branch Location & Accessibility

Banking Hours and Services

Our doors are open Monday through Friday from 12:00 PM to 7:00 PM, and on Saturdays from 9:00 AM to 1:00 PM. If you need cash or want to check your balance outside of these hours, our ATM is available 24/7 for your convenience. Plus, if you prefer the drive-thru experience, we have that covered too! You can handle simple transactions like deposits and withdrawals without leaving your vehicle. At the Municipal Empl. Credit Union of Baltimore, we offer a range of services including checking and savings accounts, auto loans, mortgage refinancing, personal loans, and credit cards with rewards. Our dedicated team is ready to assist you whether in person or through our online banking services.

Connect With Us

While members can visit us at 8507 Loch Raven Blvd for all their banking needs, please note that official correspondence should be sent to the same address. Have questions? Feel free to give us a call at 410-547-3220 we're here to help! We invite you to stop by and see how we can support your financial journey today!

Getting Here

Whether you're visiting us for personal banking or to explore our various loan options, you'll find our branch easily accessible. We offer ample parking right outside, making it simple for you to drop by without any hassle. For those who require accessibility features, rest assured that our location is ADA compliant with ramps and easy entry points.

Member Eligibility

At Municipal Empl.credit Union Of Balt, we believe that everyone deserves to be part of a supportive community that prioritizes their financial well-being. Joining us is simple and welcoming! If you live, work, worship, or attend school in our local area, you're likely eligible to become a member. We're proud to offer a range of benefits tailored just for you, from personalized banking services to competitive loan rates and rewards programs. To learn more about what it takes to join our family at Municipal Empl.credit Union Of Balt, feel free to check out the eligibility details at . Once you see how easy it is, you can start your journey by opening an account with us just give us a call at (410) 547-3220 for assistance or visit us at our branch located at 8507 Loch Raven Blvd Baltimore Md 21286. We can't wait to welcome you into our community!

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 $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

In addition to our loan offerings, we provide essential merchant services that make everyday transactions smoother for your business. Imagine a busy Saturday at your café; with our point-of-sale systems, you can quickly process payments and keep your lines moving. Plus, our online payment solutions ensure you can accept payments anytime, anywhere allowing you to focus on what matters most: serving your customers. Explore how Municipal Empl.credit Union Of Balt can partner with you on your business journey. For more information or to get started, visit us at 8507 Loch Raven Blvd Baltimore Md 21286 in Baltimore, MD or give us a call at (410) 547-3220. Let's grow together!

Comprehensive List Of Services

Business Banking

For entrepreneurs and small business owners, we offer tailored business banking solutions including merchant services and business loans. We understand the importance of having reliable support when running a business, which is why our team is here to assist you every step of the way.

Convenient Access

In today's fast-paced world, convenience matters. Our online and mobile banking services empower you to manage your accounts from anywhere at any time. Whether it's making deposits, transferring funds, or checking balances, everything is just a click away. Plus, our ATM services are available 24/7 for cash withdrawals or balance checks whenever you need them.

Drive-Thru & ATM Services

Need quick access? Take advantage of our basic drive-thru banking services for deposits, withdrawals, and simple transactions without leaving your car. Our ATMs provide quick access for cash withdrawals and balance inquiries around the clock. At Municipal Empl.credit Union Of Balt, we're not just about transactions; we're about building relationships with our members in Baltimore. Our friendly staff is always ready to assist you with any questions or needs that may arise. If you're interested in learning more about how we can help you achieve your financial goals or if you're ready to get started with one of our services, don't hesitate to reach out! Call us at (410) 547-3220 or visit us at 8507 Loch Raven Blvd Baltimore Md 21286 for personalized service today!

Loans and Credit Solutions

Life sometimes throws unexpected challenges your way. That's why we provide personal loans and debt consolidation services, giving you the flexibility to manage your finances more effectively. Plus, with our credit cards offering rewards, you can earn while you spend.

Personal Banking

Whether you're looking to save for a rainy day or manage your daily expenses, our personal banking options have got you covered. We offer checking and savings accounts that fit different lifestyles and financial goals. For those planning to purchase a vehicle, our auto loans and vehicle financing solutions make it easier than ever to drive home in your dream car. If buying a home is on your agenda, explore our mortgage loans and refinancing options that can help you secure the best rates available.

Digital & Online Banking

Key Features

Security is a top priority at Municipal Empl.credit Union Of Balt. You can rest easy knowing that all transactions are protected with robust encryption and authentication measures. We also support electronic signature authorization, making it simple and safe to sign documents digitally without the hassle of printing or mailing. For environmentally conscious members, we offer e-statements that allow you to receive your bank statements electronically. This not only helps reduce paper waste but also ensures you have instant access to your financial information. Need to send money quickly? Our person-to-person transfer feature allows you to easily send money to friends and family directly from your account. And if you're looking to make purchases effortlessly, our mobile payments feature enables quick transactions right from your smartphone. At Municipal Empl.credit Union Of Balt, we believe in making banking accessible and convenient for everyone. Explore our digital banking services today at https://www.mecu.com and experience how easy managing your money can be!

Financial Strength

At Municipal Empl.credit Union Of Balt, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that knowing the strength of your credit union is crucial to your peace of mind, which is why we are proud to share our financial highlights. 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. 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. 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. Our operational efficiency is reflected in our $1,023,121, enabling 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. Total Share and Deposit Accounts: 178,002, show 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, Municipal Empl.credit Union Of Balt is your trusted partner. Visit us at 8507 Loch Raven Blvd Baltimore Md 21286 or call (410) 547-3220 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 $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 purchasing a brand-new vehicle or a reliable pre-owned option, we have financing solutions that make it easier for you.

Credit Lines and Unsecured Loans

For those looking for flexible borrowing options, our total credit lines amount to $403,916,500. These lines allow you to access funds whenever you need them without the hassle of reapplying each time. Additionally, 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. This is an excellent way to cover unexpected expenses while keeping your budget intact.

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 also provide competitive rates and terms that can help ease the process of securing your dream home.

Refinancing Options

If you're considering refinancing your existing loans or want to know about eligibility options, our team is here to help guide you through the process. We believe in making financial solutions accessible and straightforward for all our members. At Municipal Empl.credit Union Of Balt, we're committed to helping you find the right loan product for your specific situation. For more information on how we can assist you with your financial journey, feel free to visit us at 8507 Loch Raven Blvd Baltimore Md 21286, call us at (410) 547-3220, or check out our website at https://www.mecu.com. 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 partner with you in achieving your financial goals today!

Loan Aggregator

Accurate Loan Comparisons

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Key Benefits of Using LendMesh

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Municipal Emplcredit Union Of Balt