Mutual Credit Union Vicksburg MS | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Mutual, your trusted financial partner located at 2086 S Frontage Rd, Vicksburg, MS 39180. Established in 1931, our credit union has been dedicated to serving the community with integrity and care for over 90 years. With a strong membership base of 24,486 individuals, we pride ourselves on being more than just a place to bank; we are a part of your journey toward financial well-being. At Mutual, we understand that every member's needs are unique. That's why we offer a range of services tailored just for you from personal banking solutions like checking and savings accounts to auto loans and mortgages. As of now, our total assets stand at an impressive $310,240,096, ensuring that we have the resources necessary to support your financial goals. While members can visit us at our branch, official correspondence should be sent to 2086 S Frontage Rd, Vicksburg, MS 39180. We invite you to explore our offerings and discover how we can help you achieve your dreams. With total deposits amounting to $35,118,109 and cash in hand of $4,771,430, we are here to provide you with the stability and security you need. Led by CEO Michael Mathews and Board President Jerry Dean, our team is committed to fostering a welcoming environment where your financial aspirations can flourish. Our knowledgeable staff of 79 employees is always ready to assist you with personalized service. We encourage you to reach out or stop by our branch! Whether you have questions about opening an account or need assistance with loans, give us a call at 601-638-4521 or visit us online at Mutual Credit Union. Your financial future starts here!

Branch History & Mission

Welcome to Mutual, a credit union with a proud history and a strong commitment to the community in Vicksburg, MS. Since opening our doors in 1931, we have been dedicated to serving our members and fostering financial well-being. Our branch is located at 2086 S Frontage Rd, conveniently situated near local landmarks that make us easily accessible to everyone in the area. Over the years, Mutual has evolved significantly. We have grown from a small organization into a vital financial institution that now serves over 24,486 members. With total assets reaching an impressive $310,240,096, we are proud to offer a wide range of financial services tailored to meet the needs of our diverse membership base. Our offerings include personal banking products like checking and savings accounts, auto loans, mortgage loans, and even business banking solutions. At the heart of Mutual is our mission: to empower individuals and families by providing them with financial tools and resources that enhance their lives. We believe in building strong relationships with our members and supporting their financial journeys every step of the way. Whether you're looking for help with budgeting or seeking financing for your dream home, our team is here to provide guidance and support. Our commitment extends beyond traditional banking services; we prioritize community involvement through outreach programs and partnerships designed to uplift those around us. We actively participate in local events and initiatives aimed at enhancing the quality of life in Vicksburg. To accommodate our members' busy lifestyles, we offer convenient operating hours from 8:30 AM to 5:00 PM Monday through Thursday and until 5:30 PM on Fridays. For those who prefer digital solutions, we've made advancements in online banking with features such as mobile payments and electronic statements. While members can visit us at 2086 S Frontage Rd for all their banking needs, official correspondence should be sent to the same address for consistency. Additionally, we are equipped with ATM services and drive-thru banking options for added convenience. Join us at Mutual and experience firsthand the benefits of being part of a community-focused credit union. Our friendly staff is eager to assist you on your financial journey. Call us today at 601-638-4521 or visit our website here to learn more about how we can help you achieve your financial goals!

Branch Location & Accessibility

Welcome to the Mutual branch located at 2086 S Frontage Rd in Vicksburg, MS! Our convenient location makes it easy for you to manage your banking needs, whether you're stopping by for a quick transaction or exploring our full range of services. Nestled near local landmarks and easily accessible from main roads, we invite you to come experience our friendly atmosphere. At Mutual, we strive to ensure that all members feel welcome. Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and ramps to accommodate everyone. Plus, there's ample parking available so you can visit us without any hassle. We understand that your time is valuable. That's why we offer flexible operating hours. Join us Monday through Thursday from 8:30 AM to 5:00 PM and on Fridays until 5:30 PM for your convenience. Whether you need to open an account, discuss loan options, or simply make a deposit or withdrawal, our dedicated staff is here to assist you. For those who prefer banking on the go, we have ATM availability right outside our branch, along with drive-thru banking options for quick transactions without leaving your vehicle. Additionally, if you're a member of a partner credit union, enjoy shared service center transactions with ease. While members can visit us at 2086 S Frontage Rd, official correspondence should be sent to the same address. If you have any questions or need assistance, don't hesitate to give us a call at 601-638-4521. We look forward to welcoming you at the Mutual branch where great service meets community spirit!

Member Eligibility

At Mutual, we believe that becoming a member means joining a caring community that's dedicated to your financial well-being. If you're wondering about eligibility, it's quite simple! Anyone who lives, works, worships, or attends school in the area around Vicksburg can apply to become a member. This includes family members of existing members too. By choosing Mutual, you're not just opening an account; you're gaining access to personalized services and benefits tailored to meet your needs. Starting your journey with us is easy! You can find all the necessary details about eligibility by visiting our website at https://www.mutualcu.org/personal/personal-savings/membership-savings.html. When you're ready to open an account, just head over to https://app.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozadw1h8x44g4kmfila3bc8aartlnmxgf1dx4pbztbapxln9acabkbug3uu6cesonbwjdgx_qv8k9gv6cnajru2rr7zobawm2kqs01gdbr2zcea. If you have any questions or need assistance, feel free to give us a call at (601) 638-4521. We're here to help you every step of the way!

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 running your retail shop and having access to fast, reliable payment processing. Our merchant services streamline transactions, making it easier for your customers to pay while you focus on what you do best growing your business. From point-of-sale systems to online payment solutions, we've got you covered. If you're ready to take your business to the next level, visit us at 2086 S Frontage Rd Vicksburg Ms 39180 in Vicksburg, MS, or call us at (601) 638-4521 to learn more about how we can assist you!

Comprehensive List Of Services

Additional Services

We also cater to basic banking needs with our Basic Drive-Thru Banking, where you can handle deposits and withdrawals quickly without leaving your car. For members of partner credit unions, our Basic Shared Branch Transactions allow for effortless deposits and withdrawals as well. If you're ever in need of assistance or have questions about your account, don't hesitate to reach out! You can contact us at (601) 638-4521, or visit us at our branch located at 2086 S Frontage Rd Vicksburg Ms 39180 in Vicksburg. At Mutual, we are committed to serving you with integrity and care. Discover how we can help you achieve your financial goals by visiting us online at South Frontage Road Branch today!

Business Banking Services

For entrepreneurs and small business owners, we offer specialized Business Banking solutions, including Merchant Services & Business Loans. We know how crucial it is for businesses to have reliable financial support, so we're dedicated to helping you grow your venture.

Credit Cards and Rewards

At Mutual, we believe in rewarding our members. Our Credit Cards with Rewards program allows you to earn points for everyday purchases, making it easier to enjoy life's little pleasures while building your credit score.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking options that let you manage your finances from anywhere at any time. You can easily check balances, transfer funds, and pay bills right from your smartphone or computer. Plus, our ATM & Cash Withdrawal Services ensure that cash is always within reach when you need it.

Personal Banking Solutions

We understand that managing your finances can be overwhelming at times. That's why our personal banking options include Checking & Savings Accounts tailored for various needs. Imagine having easy access to your funds while earning interest our accounts help you achieve just that. Additionally, if you're considering buying a new car, our Auto Loans & Vehicle Financing make it simple and affordable. With competitive rates and flexible terms, you can drive off in your dream vehicle without breaking the bank. For those looking to purchase a home or refinance their existing mortgage, our Mortgage Loans & Refinancing services offer great options with guidance throughout the process. We also provide Personal Loans & Debt Consolidation, perfect for unexpected expenses or consolidating multiple debts into one manageable payment.

Digital & Online Banking

Key Features

Our online banking offers 24/7 access to your accounts, so whether it's early morning or late at night, you can check balances, transfer funds, and pay bills without any hassle. With our mobile application, managing your money on the go has never been simpler. You can make person-to-person transfers to friends and family in just a few taps, making splitting costs or sending gifts quick and straightforward. For added peace of mind, we support electronic signature authorization, allowing you to complete transactions securely from your device. Plus, by opting for e-statements, you can easily view and manage your financial documents without cluttering your inbox or mailbox.

Security and Convenience

At Mutual, security is our top priority. Our online banking system is equipped with robust security measures to ensure your personal information remains safe while you enjoy the convenience of digital banking. With features like mobile payments, making purchases has never been easier or more secure. Whether you're checking your balance or transferring money between accounts, you'll find that our online tools are designed with simplicity in mind. We aim to empower our members by giving them real-time access to their finances while ensuring ease-of-use every step of the way. In today's fast-paced world, having reliable digital banking options is essential. At Mutual, we're committed to providing you with the tools needed for effective financial management right from the comfort of your home or on the go. Explore all that we have to offer at https://www.mutualcu.org/ today!

Financial Strength

At Mutual, 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 are proud to share insights into our strong financial position, which reflects our commitment to serving you effectively. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 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. 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. 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. Our lending capacity supports your financial goals across various sectors with $30,413,304 in used auto loans and a total of $158,341,407 in loans and leases. While we report a net income of $0, this reflects our careful management of resources during this period. 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 and committed team. The funds available for lending and investments amount to $436,036 in net shares. Our growing member base is evident with a total of 43,935 share accounts, reflecting the trust our community places in us. 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 2086 S Frontage Rd Vicksburg Ms 39180 or call 601-638-4521 to learn more about how we can help you achieve your financial goals.

Loan Offering

At Mutual, we understand that everyone's financial journey is unique. Whether you're looking to buy a new car, refinance your home, or manage your finances more effectively, we have a variety of loan products designed to meet your needs. With over 14,701 loans issued, we've helped thousands of members achieve their financial goals. Our auto loans are particularly popular among our members; if you're in the market for a vehicle, consider our competitive rates. We've already issued $52,113,304 in used vehicle loans and $14,908,386 in new vehicle loans, making it easier for our members to get on the road. If homeownership is on your mind, take a look at our mortgage options. Our Junior Lien 1-4 Family Residential Properties loans total $4,673,136, offering a straightforward approach to buying or refinancing your home. For those who need a little extra cash flow, our unsecured credit card loans can help with flexible terms and a total of $8,129,487 available. This can be a great way to manage everyday expenses or unexpected costs without the burden of collateral. Additionally, business owners can benefit from our commercial loans, which total $688,888. These loans provide the necessary capital for growth and expansion opportunities. We also offer total credit lines amounting to $34,347,524, giving you access to funds when you need them most. Interested in refinancing? We provide options tailored to fit various financial situations, making it simpler than ever to adjust your current loan terms to better suit your needs. If you're ready to explore any of these options or have questions about eligibility, feel free to reach out to us at (601) 638-4521 or visit us at 2086 S Frontage Rd Vicksburg Ms 39180 in Vicksburg, 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. Visit our website at https://www.mutualcu.org/ for more information about our services and loan offerings.

Loan Aggregator

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