Mutual Credit Union Oxford MS | Affordable Vehicle Loans & ATM Services

Introduction

Welcome to Mutual, your trusted partner in financial well-being since 1931. Located conveniently at 1101 Jackson Avenue, Oxford, MS 38655, our credit union is committed to serving the vibrant community of Oxford and surrounding areas. With a robust membership of 42,417 individuals, we pride ourselves on being more than just a financial institution; we are a vital part of your community. At Mutual, we understand that every member has unique financial needs. That's why we offer a wide range of services, including personal banking options such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. We also cater to businesses with our merchant services and business loans, ensuring that everyone has access to the resources they need to thrive. With total assets amounting to an impressive $488,090,681 and total deposits reaching $73,081,550, you can trust that your finances are in safe hands. Our net worth stands at $60,921,798, reflecting our commitment to stability and growth for our members. Additionally, with $6,762,927 in cash readily available for lending and investment opportunities, we're here to help you achieve your financial goals. Led by our dedicated CEO Michael Mathews and Board President Jerry Dean, our team of 127 employees is here to ensure you receive personalized service every time you visit or call us at 601-351-9200. While you can always reach out for assistance over the phone or through our website at mutualcu.org, we invite you to stop by our branch for a friendly chat about how we can assist you on your financial journey. Whether you're looking to open an account or simply want more information about our services, we encourage you to explore what Mutual has to offer. Join us today and experience the difference of being part of a community-focused credit union!

Branch History & Mission

Community Connections

We are committed to giving back to the communities we serve. Our partnerships with local organizations enable us to engage in outreach efforts that promote financial literacy and support those in need. By working together with residents and businesses alike, we continue to make Oxford a better place for everyone. As part of our dedication to accessibility, we have implemented various digital advancements such as online banking and mobile payment options. These tools ensure that our members can manage their finances conveniently anytime and anywhere.

Join Us Today!

If you are looking for a financial partner that truly cares about your success and well-being, look no further than Mutual. We invite you to become part of our growing family and experience firsthand the benefits of membership. Visit us today or explore more about what we offer by heading over to our website. Together, let's build a brighter financial future!

Our Mission

At Mutual, we believe in the power of community and strive to make a positive impact on everyone we serve. Our mission is clear: to provide accessible financial solutions that enhance the lives of our members while fostering a spirit of cooperation and support within our community. We focus on delivering exceptional service through personal banking options, online and mobile banking tools, and resources for business banking. In addition to standard banking services, we are proud to offer shared service center access, allowing members from partner credit unions to perform essential transactions with ease. While you can visit us at 1101 Jackson Avenue for all your banking needs, official correspondence should be directed to the same address as our mailing address.

Branch Location & Accessibility

Welcome to the Mutual Credit Union branch located at 1101 Jackson Avenue, Oxford, MS 38655! Situated in the heart of Lafayette County, our location is easily accessible and surrounded by local favorites, making your visit convenient and enjoyable. Whether you're stopping by after a trip to the nearby University of Mississippi or exploring the vibrant downtown area, we're here to serve you with friendly smiles and expert assistance. At our Oxford branch, you'll find ample parking right outside, along with features designed for accessibility, ensuring that everyone can comfortably access our services. If you need to send official correspondence, please note that it should be directed to the same address: 1101 Jackson Avenue, Oxford, MS 38655. We understand that your time is valuable. That's why we offer flexible operating hours from Monday to Friday, 8:30 AM to 5:00 PM, and on Wednesdays from 9:00 AM to 5:00 PM. Whether you're looking to open an account or need help with loans and financial planning, our dedicated staff is ready to assist you during these hours. While we currently do not have ATM or drive-thru services available at this branch, we are proud to be part of a shared service center network. This means members can conduct basic transactions at partner credit unions as well. If you're ready to take your financial journey to the next level or simply have questions about our services including checking and savings accounts, auto loans, mortgages, or credit cards don't hesitate to reach out! You can give us a call at 601-351-9200 for more information or stop by today. We look forward to welcoming you into the Mutual family!

Member Eligibility

At Mutual, we believe that becoming a member is like joining a warm and welcoming family. If you live, work, worship, or attend school in the vibrant community of Oxford, MS, you're likely already eligible to join us. We welcome individuals who appreciate personalized service and want to take advantage of our range of financial products designed with your needs in mind. To learn more about the specific eligibility criteria, feel free to check out our detailed resource at https://www.mutualcu.org/personal/personal-savings/membership-savings.html. Opening an account is a breeze! Simply visit us at our branch located at 1101 Jackson Avenue Oxford Ms 38655, or if you prefer, you can start the process online by visiting https://app.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozadw1h8x44g4kmfila3bc8aartlnmxgf1dx4pbztbapxln9acabkbug3uu6cesonbwjdgx_qv8k9gv6cnajru2rr7zobawm2kqs01gdbr2zcea. If you have any questions or need assistance, don't hesitate to reach out to us at (601) 351-9200. Join us today and experience the many benefits of being part of the Mutual community!

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 $20 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $13 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $3,819,752, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to our lending options, we offer merchant services that simplify payment processing for your business. Imagine being able to accept payments from customers anytime, anywhere whether they're shopping online or visiting your storefront. Our services make it easy to manage transactions efficiently, allowing you to focus on what matters most: growing your business. Located at 1101 Jackson Avenue Oxford Ms 38655 in Oxford, MS, we're here to partner with you every step of the way. Contact us at (601) 351-9200 today to learn more about how we can help your business succeed!

Comprehensive List Of Services

Convenient Access and Support

To ensure all members can easily access their accounts and get assistance when needed, we offer Online & Mobile Banking features along with ATM and cash withdrawal services. For those who prefer face-to-face interactions, basic shared branch transactions such as deposits and withdrawals for partner credit union members are available as well. At Mutual, we're not just about transactions; we're about building relationships that help you thrive financially. If you're interested in exploring our services further or have any questions, feel free to reach out at 601-351-9200 or visit us at mutualcu.org. We're here to help you every step of the way!

Credit Cards and Business Banking

Our Credit Cards with Rewards program is another way we strive to enhance your financial journey. You earn rewards for everyday purchases, which can lead to savings on future spending or special treats. If you own a business, our Business Banking services, including merchant services and business loans, can support your entrepreneurial goals. We know running a business comes with its challenges; having reliable banking solutions should not be one of them.

Home Financing

For those considering homeownership, our Mortgage Loans & Refinancing solutions make the process straightforward. We assist you in navigating options that best suit your needs whether you're buying your first home or looking to refinance an existing mortgage for better rates.

Personal Banking Solutions

Starting with personal banking, we offer Checking & Savings Accounts designed to help you manage your finances efficiently. Imagine having easy access to your funds through online and mobile banking features. You can check balances, transfer money, and even pay bills from the comfort of your home or on the go. When it comes to financing a vehicle, our Auto Loans & Vehicle Financing options provide competitive rates that can fit any budget. Picture driving off in your dream car without breaking the bank. We also understand that life can bring unexpected expenses; that's why our Personal Loans & Debt Consolidation services aim to ease financial stress by offering flexible repayment terms tailored to your situation.

Digital & Online Banking

Always Available Support

You can enjoy 24/7 online banking services that ensure you're in control of your finances whenever you need it. No matter if it's early morning or late at night, managing your money is just a click away with Mutual. We prioritize security, so you can bank with peace of mind knowing your information is protected. In summary, Mutual is committed to providing accessible and user-friendly digital banking options that fit into your busy lifestyle. Experience the convenience today by visiting us at https://www.mutualcu.org/!

Key Features for Your Convenience

Our online banking services allow you to check balances, pay bills, and transfer funds with just a few clicks. You can sign important documents quickly and securely with our electronic signature authorization feature, eliminating the need for printing and mailing paperwork. Plus, with e-statements available, you can view your account statements electronically, which helps keep your finances organized while also being environmentally friendly. If you're on the go, our mobile application makes banking even simpler. It offers mobile payments so you can make purchases right from your phone. Whether you're at the store or dining out, paying has never been easier. Our person-to-person transfer feature lets you send money to friends and family without hassle perfect for splitting bills or sending gifts.

Financial Strength

A Solid Foundation

With a net worth of $60,921,798, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 15.41% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Commitment to Growth

With $41,043,559 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 $4,757 in used auto loans and $248,563,490 in total loans and leases.

Member-Centric Savings

Members' savings are secured through $91,365,107 in share certificates and $72,349,052 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.

Operational Efficiency

Our $1,914,369 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 121 full-time employees and 6 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Trustworthy Partnership

Net Shares (Funds available for lending and investments): $380,237. Total Share and Deposit Accounts: 75,891, showing 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, Mutual is your trusted partner. Visit us at 1101 Jackson Avenue Oxford Ms 38655 or call (601) 351-9200 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $89,284,798 in used vehicle loans and $26,392,210 in new vehicle loans already helping members get on the road. We also provide flexible refinancing options for those who wish to lower their monthly payments or take advantage of better rates.

Business Financing

For business owners, our outstanding commercial loans totaling $3,819,752 provide the capital needed to grow and expand. We understand that every business has unique needs, and our loan officers are ready to work with you to find the best financing solution. At Mutual, we're dedicated to providing personalized service and support throughout your borrowing journey. If you're interested in learning more about our loan offerings or have questions about eligibility, don't hesitate to reach out at (601) 351-9200 or visit us at our branch located at 1101 Jackson Avenue Oxford Ms 38655 in Oxford, MS. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how we can help you today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $11,286,074, make buying or refinancing simple. Whether you're purchasing your first home or looking to refinance your current mortgage, our team is here to guide you through the process.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $11,952,007 in loans helping members manage their finances effectively. These cards come with competitive rates and no annual fees, making them an excellent choice for everyday purchases.

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MUTUAL FEDERAL CREDIT UNION - Oxford, MS

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