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

Introduction

Welcome to Mutual, your trusted partner in financial services right here at 4210 Clay St, Vicksburg, MS 39183. Established in 1931, we have been committed to serving our community for over nine decades. With a total membership of 24,486 and assets exceeding $310 million, we pride ourselves on providing personalized banking solutions that truly meet your needs. At Mutual, we understand the importance of community and strive to make a positive impact on the lives of our members. Whether you are looking for a new vehicle loan, a mortgage, or simply want to open a checking account, we offer an array of services designed to help you thrive financially. Our total loans and leases amount to 14,701, while our deposits stand strong at $35,118,109. Our dedicated team of 79 employees is led by CEO Michael Mathews and Board President Jerry Dean, who are both passionate about ensuring that every member feels valued and supported. We believe in building lasting relationships with our members through trust and transparency. While you can visit us at our branch location for all your banking needs, official correspondence should be sent to the same address: 4210 Clay St, Vicksburg, MS 39183-3438. We invite you to explore what Mutual has to offer. Feel free to call us at 601-638-4521 or visit our website at mutualcu.org for more information. Join us today and experience the difference that comes from being part of a credit union that truly cares about its members!

Branch History & Mission

Welcome to Mutual, where our roots run deep in the heart of Vicksburg, MS. Established in 1931, we have proudly served our community for over nine decades, building a legacy of trust and support. Our branch is located at 4210 Clay St, a place that has become synonymous with community banking and personalized service. From our humble beginnings, we have witnessed tremendous growth. Today, we are honored to serve more than 24,000 members and manage assets totaling over $310 million. This journey has been marked by milestones that reflect our commitment to providing quality financial services while fostering a sense of belonging among our members. At Mutual, our mission goes beyond banking; we are dedicated to enriching the lives of those we serve. We strive to provide accessible financial solutions that empower individuals and families to achieve their goals. Whether it's through personal banking services like checking and savings accounts or auto loans and mortgages, we aim to meet the diverse needs of our community. Our dedication extends to offering online and mobile banking options, making it easier than ever for members to manage their finances on their terms. While members can visit us at 4210 Clay St, official correspondence should be sent to 4210 Clay St, Vicksburg, MS 39183-3438 if needed. Our operating hours are Monday through Thursday from 8:30 AM to 5:00 PM and Friday until 5:30 PM, ensuring we are available when you need us most. Additionally, our drive-thru service offers convenience for quick transactions without leaving your vehicle. Our commitment to excellence includes not only providing traditional banking services but also being a part of the Vicksburg community through various outreach efforts. We collaborate with local organizations to support initiatives that uplift our residents and promote financial literacy. As technology continues to shape the way we bank, we remain focused on enhancing accessibility for all members. With features like mobile payments and online banking services available around the clock, we make managing your finances simple and secure. Join us at Mutual as we continue our journey of service and support in Vicksburg. Experience firsthand how we can help you thrive financially while becoming part of a community-focused credit union that truly cares. For more information or to become a member today, call us at 601-638-4521 or visit our website at mutualcu.org. Let's build a brighter future together!

Branch Location & Accessibility

Convenient Access and Features

At Mutual, we prioritize accessibility for all our members. Our branch is designed with ADA compliance in mind, featuring ramps and spacious areas for easy navigation. Parking is readily available, so you can visit us without any hassle. Plus, we offer a drive-thru banking option for those who prefer a quick and convenient way to handle transactions like deposits and withdrawals. While members can visit us at 4210 Clay St, official correspondence should be sent to our mailing address at 4210 Clay St, Vicksburg, MS 39183-3438.

Get In Touch

We invite you to visit us soon! If you have any questions or need assistance before stopping by, don't hesitate to give us a call at 601-638-4521. The team at Mutual is eager to help you navigate your financial journey with ease and confidence. Your community credit union is here for you come see how we can make banking better together!

Operating Hours

We know that life can get busy, which is why our operating hours are designed to fit your schedule. Our lobby is open from 8:30 AM to 5:00 PM Monday through Thursday and until 5:30 PM on Fridays. This allows you ample time during the week to come in and speak with one of our friendly staff members about your banking needs.

Services We Offer

Our Clay Street Branch offers a range of services tailored to meet your financial goals. From personal banking options such as checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. Enjoy the convenience of online and mobile banking or visit us for basic shared branch transactions if you're a member of partner credit unions. If you're looking for an ATM, you're in luck! We provide ATM access right at our location for quick cash withdrawals and balance checks.

Member Eligibility

At Mutual, we believe that everyone deserves a chance to be part of a supportive and thriving community. Joining us is simple! If you're a resident of Warren County or work in the area, you're likely already eligible for membership. We welcome individuals who are committed to building their financial future with us. To learn more about the specific eligibility requirements, feel free to check out our detailed guide at https://www.mutualcu.org/personal/personal-savings/membership-savings.html. Becoming a member at Mutual opens up a world of financial opportunities designed just for you. From competitive savings accounts to affordable loans, our services are tailored to help you achieve your goals. Plus, our friendly staff is always here to assist you every step of the way! When you're ready to take the next step, opening an account is quick and easy simply visit us at https://app.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozadw1h8x44g4kmfila3bc8aartlnmxgf1dx4pbztbapxln9acabkbug3uu6cesonbwjdgx_qv8k9gv6cnajru2rr7zobawm2kqs01gdbr2zcea or give us a call at (601) 638-4521. We can't wait for you to join our family at Mutual, located at 4210 Clay St Vicksburg Ms 39183!

Business Banking & Commercial Services

Financing Solutions Tailored for You

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 That Make Life Easier

In addition to loans, we offer merchant services that simplify everyday transactions. Imagine having a reliable partner that helps you accept payments seamlessly, manage cash flow effectively, and improve customer experiences all from one place. Our merchant services can help you focus more on what matters: growing your business. If you're ready to take your business to the next level, visit us at 4210 Clay St Vicksburg Ms 39183 in Vicksburg, MS or call us at (601) 638-4521. Let's build something great together!

Comprehensive List Of Services

Business Banking

For small business owners, Mutual provides essential resources through our Business Banking services. From Merchant Services that help streamline transactions to Business Loans for growth and expansion, we support local businesses every step of the way.

Convenient Digital Access

In today's fast-paced world, convenience matters. Our Online & Mobile Banking services allow you to manage your accounts anytime, anywhere. You can easily check balances, transfer funds, and pay bills right from your phone or computer. With features like ATM & Cash Withdrawal Services, accessing cash is also simple and hassle-free.

Get Started Today!

At Mutual, we believe in making banking easy and accessible for everyone in our community. If you're ready to take the next step towards better financial management or want more information about any of our services, don't hesitate to reach out! Call us at (601) 638-4521 or visit us online at https://www.mutualcu.org/. We look forward to serving you!

Personal Banking

Our personal banking services are designed with you in mind. We offer various Checking & Savings Accounts that fit different lifestyles and goals. If you're planning to purchase a new car, our Auto Loans & Vehicle Financing options can help make that dream a reality. For those considering homeownership or refinancing, our Mortgage Loans provide competitive rates and terms tailored to your financial situation. We understand that life can throw unexpected expenses your way. That's why we offer Personal Loans & Debt Consolidation solutions, making it easier for you to manage your finances without added stress. Plus, don't forget about our Credit Cards with Rewards, which allow you to earn points on everyday purchases.

Transaction Services

For those who prefer in-person banking, our branch offers Basic Drive-Thru Banking for quick deposits and withdrawals without leaving your car. Additionally, if you're a member of a partner credit union, we provide basic shared branch transactions for easy access to your funds when you're away from home. We also have Basic ATM Access, allowing you to perform simple tasks like balance checks and cash withdrawals at your convenience.

Digital & Online Banking

Key Features

Our commitment to security means you can bank with confidence. We provide electronic signature authorization for a quick and secure way to sign important documents online. You'll also enjoy e-statements that give you instant access to your financial records without the clutter of paper. Say goodbye to waiting for mail; everything you need is available right when you need it. For those who love convenience, our mobile payments feature allows you to make purchases directly from your phone, making transactions faster and easier than ever. Need to send money to a friend? Our person-to-person transfer option lets you do just that in seconds no cash needed! Accessibility is key in today's fast-paced world, and we strive to make your banking experience simple and user-friendly. With tools like these, managing your money is not just easy; it's also efficient. Join us at Mutual and take advantage of our advanced digital banking solutions that keep you in control of your finances whenever and wherever you need it.

Financial Strength

Commitment to 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. Our lending capacity supports members' financial goals across various sectors with $30,513,304 in used auto loans and a total of $158,341,407 in loans and leases.

Growing Member Base

Total Share Accounts stand at 43,935, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments amount to $436,036, enhancing our capacity to meet 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 4210 Clay St Vicksburg MS 39183 or call 601-638-4521 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $0 net income reflects our operational efficiency during this period. This allows us to continue offering competitive loan rates and solid financial products for our members. 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.

Secure Savings Opportunities

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.

Solid Financial Position

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.

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 new vehicle or a reliable used option, we have solutions tailored for you.

Business Loans

For business owners, our outstanding commercial loans totaling $688,888 provide the capital needed to grow and expand your operations. We are dedicated to supporting local businesses and contributing to the community's economic development. If you're considering refinancing any existing loans or would like to learn about eligibility options, please don't hesitate to ask our knowledgeable staff. We're here to ensure you have all the information you need to make informed decisions about your financial future. 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 our loan products today and see how we can assist you on your financial journey!

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 guide you through the process and provide competitive rates that fit your budget.

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. These cards can be an excellent way to build credit while enjoying rewards and benefits.

Loan Aggregator

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Mutual