Mutual Credit Union Columbus MS | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Mutual, your trusted partner in financial wellness right here in Columbus, MS. Established in 1931, we have been proudly serving our community for over nine decades. Located at 59 Yorkville Park Sq, Columbus, MS 39702, our branch is not just a place to manage your money; it's a hub for building relationships and fostering financial growth. With a total membership of 24,486 and assets exceeding $310,240,096, we are committed to ensuring that each member feels valued and supported. At Mutual, we understand that navigating the world of finance can be overwhelming. That's why we're here to provide personalized solutions tailored to your unique needs. Whether you're looking for auto loans or need assistance with mortgage refinancing, our dedicated team is ready to help. Under the leadership of CEO Michael Mathews and Board President Jerry Dean, we prioritize your financial security and satisfaction above all else. While you can visit us at our branch for all your banking needs, official correspondence should be directed to our mailing address: 59 Yorkville Park Square, Columbus, MS 39702. With a net worth of $41,492,130 and total deposits amounting to $35,118,109, our strong financial standing allows us to offer competitive rates on loans and flexible services that meet today's demands. We also maintain a solid cash reserve of $4,771,430, ensuring that we're always prepared to support our members. We invite you to explore the various services we offer from personal banking solutions like checking and savings accounts to business banking options that include merchant services and business loans. Our aim is simple: to make banking easy and accessible for everyone. Feel free to reach out to us at 662-327-7666 or visit our website at www.mutualcu.org for more information or to set up an appointment. Together, let's build a brighter financial future!

Branch History & Mission

At Mutual, we take pride in our rich history and commitment to serving the Columbus community since 1931. Our branch, located at 59 Yorkville Park Square, Columbus, MS 39702, has become a cornerstone of financial support for nearly 25,000 members over the years. As a trusted partner in their financial journeys, we have grown alongside our members and adapted to meet their evolving needs. From our humble beginnings, Mutual has continually expanded its services and offerings. With total assets now exceeding $310 million, we are dedicated to providing a range of personal banking options that include checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. Our growth reflects our commitment to not just financial stability but also community support. Our mission at Mutual is straightforward yet powerful: to empower individuals and families by providing accessible financial services while contributing positively to our community. We believe that strong communities build strong members. This belief drives us to engage in various outreach efforts and partnerships that help enhance the quality of life for everyone in Columbus. While members can visit us at our physical location, official correspondence should be sent to the same address: 59 Yorkville Park Square, Columbus, MS 39702. Our operating hours are convenient for our members; we're open Monday through Thursday from 8:30 AM to 5:00 PM and Fridays until 5:30 PM. In addition to traditional banking services, we embrace digital advancements that enhance member experience. We offer online banking, mobile payments, e-statements, and electronic signature options all designed with you in mind. Our branch is equipped with an ATM for easy cash access and drive-thru service for quick transactions. We invite you to join Mutual and experience firsthand the benefits of being part of a credit union that values its members and community alike. Discover how you can take control of your financial future with us! Visit our website or call us at (662) 327-7666 for more information on membership eligibility or to open an account today!

Branch Location & Accessibility

Convenient Access

At Mutual, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps to ensure everyone can access our services with ease. Plus, there's ample parking available, so you won't have to worry about finding a spot when you arrive.

Get in Touch

Have questions or need assistance? Feel free to call us at (662) 327-7666. Our dedicated team is always eager to help you with whatever you need. We look forward to seeing you soon at Mutual!

Operating Hours

We understand that life can get busy, which is why we offer flexible banking hours. Visit us Monday through Thursday from 8:30 AM to 5:00 PM, and on Fridays, we're here until 5:30 PM. Whether you need help with personal banking or wish to discuss loans and services, our team is ready to assist you during these hours.

Services Offered

While at Mutual, you can take advantage of various services designed with your needs in mind. From checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. Need a quick cash withdrawal? We also have ATM availability for your convenience! For those who prefer a more traditional banking experience, our drive-thru service allows for easy deposits and withdrawals without leaving your vehicle. If you're a member of another participating credit union, don't forget about our shared service center option which allows for basic transactions like deposits and withdrawals too!

Member Eligibility

At Mutual, we believe that everyone deserves access to a community that supports their financial journey. If you're looking to become a member, you're in the right place! Membership at Mutual is open to anyone who lives, works, worships, or attends school in the area. This means you can join us if you're part of our vibrant community here in Columbus or surrounding areas. Not only will you gain access to a wide range of financial products and services tailored just for you, but you'll also be joining a family that cares about your financial well-being. The process of becoming a member is simple and welcoming! You can find more detailed eligibility criteria by visiting our website at https://www.mutualcu.org/personal/personal-savings/membership-savings.html. When you're ready to take the next step, opening an account is just a click away through this link: https://app.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozadw1h8x44g4kmfila3bc8aartlnmxgf1dx4pbztbapxln9acabkbug3uu6cesonbwjdgx_qv8k9gv6cnajru2rr7zobawm2kqs01gdbr2zcea. If you have any questions or need assistance, feel free to reach out to us at (662) 327-7666. We can't wait for you to join our community at Mutual, located at 59 Yorkville Park Sq Columbus Ms 39702, where your financial goals are our priority!

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 $3 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $10 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $688,888, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine having a reliable partner that helps you manage your transactions efficiently. Our merchant services are designed for that very purpose. Whether you're a retail store or a service provider, our tools make payment processing simple and straightforward, allowing you to focus on what you do best running your business. Located at 59 Yorkville Park Sq Columbus Ms 39702, Columbus, MS, we invite you to reach out at (662) 327-7666 or visit us today. Let's work together to take your business to the next level!

Comprehensive List Of Services

Convenient Transactions

In addition to these core services, Mutual provides basic drive-thru banking for deposits, withdrawals, and simple transactions. We also participate in shared branch transactions so members can conduct their banking across various partner credit unions seamlessly. At Mutual, we strive to make banking accessible and straightforward for everyone. Our friendly team is here to assist you every step of the way. For any questions or to learn more about how we can serve you better, don't hesitate to give us a call at 662-327-7666. We invite you to explore all our offerings by visiting our website at mutualcu.org or stop by our branch today! Let us help you achieve your financial goals with ease and confidence.

Financing Your Dreams

If you're dreaming of a new car or need funds for other personal projects, look no further than our auto loans and vehicle financing options. We offer competitive rates that can help you drive away in the car you desire. Additionally, if homeownership is on your mind, our mortgage loans and refinancing services make it easier than ever to secure the home of your dreams.

Personal Banking Made Easy

For individuals and families, our personal banking options include checking and savings accounts designed for convenience and growth. Imagine easily accessing your funds through our online and mobile banking platforms, allowing you to check balances, transfer money, or pay bills right from your phone. You can also take advantage of our ATM services for quick cash withdrawals and balance checks without hassle.

Rewarding Credit Options

Our credit cards with rewards not only offer convenience but also allow you to earn benefits on everyday purchases. Whether it's cashback on groceries or points towards travel, our credit card offerings are built with your lifestyle in mind.

Simplifying Borrowing

Life can throw unexpected expenses your way, which is why we provide personal loans and debt consolidation solutions. These services are designed to assist you in managing debt more effectively while giving you the flexibility needed during tough times.

Supporting Local Businesses

For entrepreneurs and small business owners, we understand the unique challenges you face. Our business banking services include merchant services and business loans that help you grow and manage your operations efficiently.

Digital & Online Banking

Key Features for Your Convenience

Our online banking platform allows you to enjoy features like electronic statements, which help you stay organized while reducing paper clutter. Plus, with our electronic signature authorization, you can sign documents securely without needing to visit the branch. This means faster processing times for loans and other services saving you valuable time. For those on the go, our mobile application is available, bringing the power of banking right to your fingertips. You can make person-to-person transfers easily through our app or website, enabling you to send money to friends and family in seconds. And if you're into mobile payments, we've got you covered there too; simply link your account to make purchases seamlessly.

Security You Can Trust

Your security is our top priority. We implement robust measures to protect your information so that you can bank with confidence. Our user-friendly interface makes it simple for anyone to navigate their accounts without stress or confusion. With all these tools at your disposal, managing your finances has never been easier or more secure. Experience the convenience of digital banking with Mutual today!

Financial Strength

Committed Team

We also take pride in having 74 full-time employees and 5 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. The dedication of our staff enhances the member experience every day.

Member Trust

Total Share Accounts stand at 43,935, showing a strong and growing member base that trusts us with their finances. Our operational efficiency is reflected in our current net income of $0, allowing us to continue offering competitive loan rates and solid financial products for our members. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Mutual is your trusted partner. Visit us at 59 Yorkville Park Sq Columbus MS 39702 or call 662-327-7666 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.

Reinvesting for the Future

With $40,095,526 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports members' financial goals across various sectors with $30,413,304 in used auto loans and a total of $158,341,407 in loans and leases.

Secure Savings Options

Members' savings are secured through $56,610,328 in share certificates and $68,637,697 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, 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 $41,492,130, we maintain robust financial health. This strength enables us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 13.44% 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 $52,113,304 in used vehicle loans and $14,908,386 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable pre-owned option, we have tailored solutions to meet your needs.

Business Loans

For business owners, our outstanding commercial loans totaling $688,888 provide the capital needed to grow and expand. We know how important it is for local businesses to have access to funding options that support their operational needs and future ambitions.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $4,673,136, make buying or refinancing simple. We aim to provide flexible terms that fit your budget and help you settle into your dream home without hassle.

Refinancing and Eligibility Options

If you're looking for better rates or terms on existing loans, we offer refinancing options to help you save money and lower your monthly payments. To learn more about eligibility requirements, feel free to reach out to us at (662) 327-7666 or visit our website at https://www.mutualcu.org/. Our commitment is to provide personalized service and support as you navigate your borrowing options. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Come visit us today at Mutual, where we're dedicated to helping you achieve financial success!

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 $8,129,487 in loans helping members manage their finances effectively, our credit cards come with competitive rates and rewards that can benefit your lifestyle.

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Mutual