Municipal Empl Credit Union Randallstown MD | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to the Randallstown Branch of the Municipal Empl.credit Union Of Balt, where our commitment to serving our community shines through every interaction. Established in 1936, we have proudly supported our members for over 85 years, growing alongside them and adapting to their financial needs. Located at 8700 Liberty Rd, Randallstown, MD 21133, our branch is more than just a place to bank; it's a hub of support and service for our 102,023 members. With a total asset base of $1,237,900,198 and total deposits reaching $24,686,001, we ensure that your money is safe and working hard for you. Our dedication is reflected in the strong relationships we've built within the community and the financial strength we've maintained over the years. Under the leadership of our CEO, John Hamilton, and Board President, Roman Clark, we focus on providing personalized banking solutions tailored to your lifestyle. Whether you need assistance with auto loans where we have facilitated over 44,880 loans or exploring mortgage options, our knowledgeable staff is here to guide you every step of the way. While members can visit us at our branch location for personal banking services including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards, official correspondence should be sent to the same address: 8700 Liberty Rd, Randallstown, MD 21133-4706. At the Randallstown Branch, we believe in giving back. We are dedicated to making a positive impact in our community while fostering an environment where all members feel valued and supported. Ready to experience exceptional service? Don't hesitate to reach out! Call us at 410-752-8313 or visit us online at www.mecu.com for more information about how we can help you achieve your financial goals. Your journey starts here!

Branch History & Mission

Community Commitment

We are proud to provide essential services such as online banking, mobile payments, and ATM access for your convenience. Our lobby hours are designed with you in mind: Monday through Friday from 9:00 AM to 5:30 PM and Saturday from 9:00 AM to 1:00 PM. Although we do not offer drive-thru service, we do have shared service center availability for added flexibility. In every aspect of our operations from digital advancements to ADA compliance we strive to create a welcoming environment where our members feel valued and supported.

Join Us Today!

As we look forward to the future, we invite you to become part of our growing family at Municipal Empl. Credit Union of Baltimore. Experience firsthand how we can help you achieve your financial goals while contributing positively to the community around us. For more information or assistance, don't hesitate to reach out at 410-752-8313 or visit us online at mecu.com. Together, let's build a brighter tomorrow!

Our Evolution

Over the decades, we have continuously adapted to meet the changing needs of our community. From humble beginnings focused on providing basic financial services to now offering a comprehensive range of products including personal banking, auto loans, mortgages, and business financing our mission has always been centered on the well-being of our members. We pride ourselves on being a member-focused organization that prioritizes both financial success and community support.

Our Mission

At Municipal Empl. Credit Union of Baltimore, our mission is clear: we aim to empower our members by providing exceptional financial services while fostering community growth and engagement. We believe that everyone deserves access to quality banking solutions that enhance their lives. This commitment drives us to offer products tailored to meet diverse needs and ensure our services are accessible to everyone. Our branch not only serves as a banking hub but also as a resource for financial education and community involvement. We actively engage in outreach initiatives and partnerships that benefit local organizations and enhance the lives of those in our area. While members can visit us at 8700 Liberty Rd, official correspondence should be sent to 8700 Liberty Rd, Randallstown, MD 21133-4706 if different from the branch address.

Branch Location & Accessibility

Accessibility and Features

Our branch is designed with your comfort in mind. We provide ample parking spaces right outside the entrance, making it easy for you to stop by. The branch is ADA compliant and features ramps for easy access. Inside, you'll find a welcoming environment where our friendly staff is ready to assist you with personal banking services like checking and savings accounts, auto loans, mortgage loans, and much more.

Operating Hours

We understand that your time is valuable. That's why we've tailored our operating hours to fit your busy schedule. Our lobby is open from Monday through Thursday from 9:00 AM to 4:00 PM, Friday until 5:30 PM, and Saturday from 9:00 AM to 1:00 PM. We are closed on Sundays. Feel free to drop by during these hours or give us a call at 410-752-8313 if you have any questions!

Services Offered

At our Randallstown Branch, we offer a variety of services designed for both personal and business needs. From basic ATM access for withdrawals and balance checks to shared banking services for partner credit union members, we aim to make your banking experience as smooth as possible. Plus, our ATM is available for quick cash withdrawals whenever you need it.

Visit Us Today!

We invite you to come see us soon! Whether you're looking for assistance with loans or just want to learn more about what we offer, our team at the Randallstown Branch is excited to help. Your financial journey matters to us let's take it together!

Member Eligibility

At Municipal Empl.credit Union Of Balt, we believe in creating a welcoming community where everyone can thrive. Becoming a member is an exciting step toward accessing a range of financial services tailored to your needs. If you live, work, or worship in the area, or if you're a family member of someone who does, you're likely eligible to join our credit union! This means you can enjoy benefits like competitive rates on loans and savings accounts, personalized service, and a sense of belonging among fellow members. To learn more about specific eligibility requirements, feel free to check out this resource: . Once you're ready to take that next step, opening an account with us is simple! You can call us at (410) 752-8313 for assistance or visit us at our branch located at 8700 Liberty Rd Randallstown Md 21133. We're here to help you every step of the way as you join our vibrant community at Municipal Empl.credit Union Of Balt!

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 $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 daily operations easier. Imagine accepting payments seamlessly from your customers whether they pay with a card or mobile wallet allowing you to focus on what you do best: running your business. Located at 8700 Liberty Rd Randallstown Md 21133 in Randallstown, MD, we invite you to explore how our business banking services can elevate your company. For inquiries, call us at (410) 752-8313 and let's discuss how we can work together for your success!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options make it easier than ever to get behind the wheel of your dream vehicle. With competitive rates and flexible terms, you can find a plan that works for your budget. Plus, our dedicated team is here to guide you through the process, ensuring you have all the information you need.

Business Banking Services

For our members who own businesses, we provide comprehensive business banking services including merchant services and business loans. We know how crucial it is for entrepreneurs to have reliable financial backing, and our team is here to support you at every step.

Convenient Access & Support

At Municipal Empl.credit Union Of Balt, we believe in making banking accessible and convenient for everyone. In addition to traditional branch services, we offer ATM access for easy cash withdrawals and balance checks. Our shared service center allows partner credit union members basic transactions like deposits and withdrawals without hassle. If you're ready to take control of your finances or have questions about any of our services, don't hesitate to reach out! Call us at (410) 752-8313 or visit us during lobby hours from Monday through Friday from 9:00 AM - 4:00 PM (and until 5:30 PM on Fridays). We're excited to serve you at Randallstown Branch!

Credit Cards with Rewards

Take advantage of our credit cards with rewards, allowing you to earn points on every purchase. Whether you're using it for everyday shopping or special occasions, these rewards can add up quickly, giving you benefits like cash back or travel perks.

Mortgage Loans & Refinancing

If homeownership is on your horizon or if you're considering refinancing, our mortgage loans can help turn that dream into reality. We provide personalized service to assist you in navigating the mortgage process, whether you're buying your first home or seeking better terms on an existing loan.

Personal Banking Solutions

We understand that managing your finances can sometimes feel overwhelming. That's why we offer various personal banking services such as checking and savings accounts tailored to fit your lifestyle. Imagine having easy access to your funds anytime you need them through our online and mobile banking platforms. You can manage your accounts, pay bills, and even transfer money from the comfort of your home or on the go.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our personal loans are designed to give you the financial flexibility you need when those situations arise. Additionally, if you're feeling overwhelmed by debt, we can help with debt consolidation options that simplify payments and potentially lower interest rates.

Digital & Online Banking

Accessibility and Convenience

With our commitment to making banking accessible for everyone, you'll find that managing your finances has never been easier. Our mobile payments feature allows you to make purchases directly from your phone, ensuring you're always ready for whatever life throws at you. At Municipal Empl.credit Union Of Balt, we're dedicated to helping you stay in control of your finances with ease. Explore more about our digital banking services today by visiting https://www.mecu.com .

Key Features

Our online banking platform lets you view your account balances, transfer funds, and pay bills with just a few clicks. We take your security seriously, which is why we offer electronic signature authorization for safe transactions right from your device. Plus, with e-statements available, you can keep track of your finances without the clutter of paper statements.

Mobile Banking Made Easy

For those on the go, our mobile application provides all the features you need at your fingertips. Whether you're making mobile payments or sending money to friends through person-to-person transfers, everything is designed to be user-friendly and efficient. You can even manage your accounts while waiting in line or during your commute.

Financial Strength

Commitment to Growth

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 is reflected in our $12,645 in used auto loans and $809,504,500 in total loans and leases, supporting members' financial goals across various sectors. Our $1,023,121 reflects our operational efficiency, 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.

Member-Centric Savings Options

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 focus our resources on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $156,004,327, we maintain robust 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.

Trust Built on Transparency

The financial data presented here is sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. This commitment to transparency underscores our dedication to providing you with reliable information about your credit union's health. 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 8700 Liberty Rd Randallstown Md 21133 or call (410) 752-8313 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Financing Options

For those looking for more than just personal financing, our outstanding commercial loans totaling $62,123,638 provide business owners with the capital needed to grow and expand their ventures. Additionally, if you're interested in managing debt or need funds for other purposes, our credit lines totaling $403,916,500 can be an excellent option. We also understand that life changes and sometimes requires reevaluating your current financial obligations. That's why we offer refinancing options across our loan products to help you secure better terms as your financial situation evolves. Feel free to reach out to us at (410) 752-8313 or visit us at 8700 Liberty Rd Randallstown Md 21133, Randallstown, MD. Our dedicated team is here to assist you with any questions regarding our loan offerings or eligibility requirements. Your journey toward financial success starts here!

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. We provide flexible terms that fit your budget, making it easier for you to drive away in a vehicle you love.

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 can guide you through every step of the process to ensure you find the right mortgage solution for your situation.

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. Our credit cards come with rewards and features that allow you to earn while you spend.

Loan Aggregator

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 ). This ensures that the offers presented are fair and transparent. By relying on verified financial institutions, LendMesh guarantees that the information users receive is both accurate and trustworthy.

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions. This level of transparency builds trust among users looking for reliable information. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results that truly reflect the best available options. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, making it easier to compare and choose the right option for their needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight how effective this tool can be in securing better loan terms. Explore your options today! Compare real-time loan offers at LendMesh and find the best rates tailored to your financial situation. 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.

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