Mutual Credit Union Raymond MS | Best Auto Loans & Quick Personal Loans

Introduction

Welcome to Mutual, where your financial well-being is our top priority! Located at 503 E Main St, Raymond, MS 39154, our credit union has been serving the community since 1931. With a strong commitment to our members, we proudly support over 24,486 individuals and families, helping them achieve their financial goals. At Mutual, we understand that trust is built on reliability and transparency. That's why we are proud to report total assets of $310,240,096 and total deposits amounting to $35,118,109. Our net worth stands strong at $41,492,130, ensuring that your money is in safe hands. We also boast a total loan portfolio of 14,701, showcasing our dedication to providing affordable financing options. While you can visit us directly at our branch for all your banking needs, official correspondence should be sent to the same address: 503 E Main St, Raymond, MS 39154-9700. Whether you're looking for personal banking solutions or business services, we offer a range of products tailored to meet your needs from checking accounts and auto loans to mortgages and credit cards with rewards. Under the leadership of CEO Michael Mathews and Board President Jerry Dean, our team of dedicated employees 79 in total is here to assist you every step of the way. We're not just about numbers; we're about relationships. Our drive-thru service and ATM availability make banking convenient for everyone. Ready to take the next step? Don't hesitate to reach out! Call us at 601-857-3249 or explore more about what we offer on our website: www.mutualcu.org. Join us today and experience the difference that comes from being part of a community-focused credit union!

Branch History & Mission

Community Focus

Mutual takes pride in being more than just a financial institution. We believe in partnerships with local organizations and initiatives that align with our values. Whether it's sponsoring local events or providing financial literacy workshops, we aim to make a difference where it matters most. In today's world, convenience is key. That's why we offer features like online banking, mobile payments, and ATM access to ensure that your banking experience is smooth and user-friendly. Our drive-thru service adds another layer of convenience for quick transactions.

Join Us

As we look towards the future, Mutual remains dedicated to serving you with excellence. We invite everyone in Raymond and surrounding areas to experience what makes us special. Become part of a community-oriented credit union where your financial goals are supported by friendly staff who genuinely care about your success. Join us today at Mutual Credit Union or call us at 601-857-3249 to learn more about how we can help you achieve your financial dreams!

Our Mission

At Mutual, our mission is clear: we strive to enhance the financial well-being of our members while making a positive impact on the communities we serve. We offer a range of personal banking services such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards tailored to meet diverse needs. Furthermore, our commitment extends beyond banking; we actively engage in community outreach programs that uplift those around us. While members can visit us at our main location in Raymond, official correspondence should be sent to our mailing address: 503 E Main St, Raymond, MS 39154-9700. This ensures that all communications are handled efficiently.

Branch Location & Accessibility

ATM Access and Drive-Thru Banking

For those on the go, we offer ATM availability right at our location. Our drive-thru banking option ensures you can complete simple transactions without even having to leave your vehicle. While members can visit us at 503 E Main St, official correspondence should be sent to our mailing address at 503 E Main St, Raymond, MS 39154-9700.

Get in Touch

Have questions? Don't hesitate to give us a call at 601-857-3249. Our dedicated staff is eager to help you with all your banking needs! Come visit us today and experience the friendly service that makes Mutual a trusted part of the Raymond community.

Nearby Landmarks and Accessibility

Located near local favorites and community landmarks, our branch is just a stone's throw from the vibrant downtown area. We understand how important convenience is, which is why we offer ample parking and ensure our facilities are ADA compliant. You'll find ramps and other accessibility features that make visiting us smooth for everyone.

Operating Hours and Services

Our friendly team is ready to serve you during our convenient operating hours: Monday through Friday from 8:30 AM to 5:00 PM, with extended Drive-Thru hours on Fridays until 5:30 PM. Whether you need assistance with personal banking, auto loans, or credit card options with rewards, we've got you covered. Plus, if you're a member of a partner credit union, feel free to utilize our shared service center for basic transactions.

Member Eligibility

Joining the Mutual family is not just about opening an account; it's about becoming part of a warm, welcoming community that truly cares for its members. If you're looking to join us at Mutual, you'll be pleased to know that membership is open to anyone who lives, works, worships, or attends school in the Hinds County area. This means that whether you're a long-time resident or new to the community, you can enjoy the benefits of our services and support. As a member of Mutual, you'll gain access to a range of financial products designed with your needs in mind, from personal loans to rewarding checking accounts. The process of becoming a member is simple and inviting! Just visit our eligibility page at https://www.mutualcu.org/personal/personal-savings/membership-savings.html for all the details and then head over to our account opening link here: https://app.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozadw1h8x44g4kmfila3bc8aartlnmxgf1dx4pbztbapxln9acabkbug3uu6cesonbwjdgx_qv8k9gv6cnajru2rr7zobawm2kqs01gdbr2zcea. If you have any questions or need assistance, don't hesitate to give us a call at (601) 857-3249. We're excited to welcome you into our community at 503 E Main St, Raymond, MS 39154!

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

When it comes to managing transactions smoothly, our merchant services stand out. Imagine having a payment solution that allows your customers to pay effortlessly while you focus on running your business. From card processing to mobile payments, we provide tools that simplify everyday operations, ensuring you never miss a sale. Located at 503 E Main St Raymond Ms 39154, Raymond, MS, our team is ready to assist you. Contact us today at (601) 857-3249 and discover how we can help your business grow!

Comprehensive List Of Services

Business Banking Services

For business owners, Mutual provides essential services like merchant services and business loans. We understand that running a business comes with its challenges, and we're here to support you in making it thrive.

Credit Card Rewards

We also offer credit cards with rewards, allowing you to earn points on your everyday purchases. Whether it's groceries or gas, every swipe gets you closer to exciting rewards.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking solutions. Access your accounts anytime, anywhere. With features like ATM and cash withdrawal services, managing your finances has never been easier. Imagine being able to transfer money instantly using our person-to-person payment service or checking your balance from the comfort of your home through online banking. Our mobile application ensures that all these functionalities are just a tap away.

Drive-Thru & Shared Branch Transactions

For those who prefer face-to-face interactions but want speed, our basic drive-thru banking allows for quick deposits and withdrawals without leaving your car. Additionally, as part of a larger network, we provide basic shared branch transactions for members of partner credit unions, ensuring that you can access funds no matter where you are.

Get in Touch!

With all these services designed with your needs in mind, we invite you to visit us at our branch or reach out via phone at 601-857-3249. Experience how Mutual is more than just a credit union; we're your partner in achieving financial success! For more information or to open an account today, visit us online at Mutual's website. Join us at Mutual where your financial future matters!

Personal Banking Solutions

Whether you are looking to open a checking or savings account, we have options tailored just for you. Imagine having a safe place for your money while earning interest on your savings. With our personal loans and debt consolidation options, we can help you manage expenses and achieve your financial goals. For those considering a new vehicle, our auto loans and vehicle financing make it easy to get behind the wheel without breaking the bank. Plus, if you're thinking about purchasing a home, our mortgage loans and refinancing services are here to guide you through every step of the process.

Digital & Online Banking

Key Services

Our online banking system at https://www.mutualcu.org/ provides you with 24/7 access to your accounts. Whether you're checking your balance or paying bills, everything is just a click away. You can also enjoy the convenience of e-statements, allowing you to view your financial activity without the clutter of paper statements. Need to send money to a friend? Our person-to-person transfer feature lets you quickly and easily send funds directly from your account to theirs. Plus, with our mobile application available for download, managing your money on the go has never been simpler.

Security and Convenience

Security is a top priority for us. With electronic signature authorization enabled, you can confidently sign documents online without worrying about compromising your information. We ensure that all transactions are protected so you can focus on what matters most your financial goals. And if you're looking to make purchases quickly, our mobile payments feature allows you to pay directly from your smartphone. Whether it's groceries or gifts, just tap and go! At Mutual, we're dedicated to making banking accessible for everyone. Our digital services empower you to manage your accounts in real-time, giving you control over your finances whenever and wherever you need it. Experience the future of banking today!

Financial Strength

Dedicated 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. Our staff is dedicated to making your banking experience as smooth as possible.

Focused on Members

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. Your interests come first in everything we do.

Lending Capacity

Our capacity to support your financial goals is evident with $3,047 in used auto loans and $158,341,407 in total loans and leases. This range of lending options ensures that whether you're purchasing a vehicle or planning for other investments, we're here to help.

Member Savings

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. This means your deposits are not only safe but also working hard for you.

Member Trust

Total Share and Deposit Accounts stand at 43,935, showing a strong and growing member base that trusts us with their finances. This trust reinforces our mission to provide exceptional service tailored to your needs. 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 503 E Main St Raymond Ms 39154 or call (601) 857-3249 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.*

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. Efficient operations mean more resources can be directed towards enhancing member experiences.

Reinvestment for Growth

With $40,095,526 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment to improvement allows us to adapt and grow alongside you.

Strong Financial Health

With a net worth of $41,492,130, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,344 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. We provide flexible financing options that make it easier than ever to drive away with the vehicle you need.

Credit Lines and Business Loans

For those looking for additional flexibility, our total credit lines amount to $34,347,524. This service ensures you have access to funds when needed without the hassle of applying for multiple loans. Additionally, if you're a business owner, our outstanding commercial loans totaling $688,888 provide the capital needed to grow and expand your business operations. At Mutual, we believe that understanding your options is crucial. If you're considering refinancing or want to explore eligibility options, please don't hesitate to ask our team for assistance. We're here to ensure that you find the right loan product suited to your needs. For performance insights and financial data about our offerings, we reference the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us today and let's work together toward achieving your financial goals!

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 streamline the process so you can focus on enjoying your new home rather than getting bogged down by paperwork.

Unsecured Credit Card Loans

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. This option provides peace of mind for unexpected expenses or everyday purchases, all while building your credit score.

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Mutual