My Community Credit Union Midland TX | Low Mortgage Rates & Auto Loans

Introduction

Welcome to My Community, your trusted financial partner located at 600 W Louisiana Ave, Midland, TX 79701. Since our establishment in 1952, we have proudly served over 41,807 members, helping them achieve their financial goals and dreams. As a member-owned credit union, we prioritize the needs of our community, offering a range of services that include checking and savings accounts, auto loans, mortgages, and more. At My Community, we understand that finances can be complex. That's why our dedicated team of 121 employees, led by CEO Donna Neal and Board President Teresa DeShaw, is here to guide you every step of the way. Our total assets amount to an impressive $506,298,430, ensuring we have the resources to support your financial journey. With total deposits reaching $56,954,920 and cash in hand at $7,645,821, we are well-equipped to provide you with competitive loan options and exceptional service. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 600 W Louisiana Ave, Midland, TX 79701-1610. Whether you're looking for personal loans or business banking solutions, we're committed to making a positive impact in the Midland community. Explore our website at mccu.coop for more information on membership eligibility and how to open an account. Feel free to give us a call at 432-688-8400 during our lobby hours or stop by to speak with one of our friendly staff members. We look forward to welcoming you into the My Community family!

Branch History & Mission

At My Community, we take pride in our rich history and dedication to serving the Midland community. Established in 1952, our branch has grown alongside our members, evolving from a small credit union into a robust financial institution that now boasts over 41,000 members and total assets of $506,298,430. We are located at 600 W Louisiana Ave, Midland, TX 79701, a convenient spot for everyone in the area. Our close proximity to local landmarks makes us easily accessible, ensuring that we remain a vital part of the community. Over the years, My Community has achieved numerous milestones while maintaining our commitment to providing exceptional financial services. Our mission is simple yet profound: to empower individuals and families by offering personalized financial solutions and fostering community support. We believe that when our members thrive, so does our community. Our operating hours reflect our commitment to convenience: we welcome members in our lobby from Monday to Thursday from 9:00 am to 5:00 pm, with extended hours on Friday until 6:00 pm. For those who prefer drive-thru service, we are open Monday through Thursday from 7:30 am to 5:30 pm and Friday until 6:00 pm, as well as Saturday mornings from 9:00 am to 1:00 pm. In addition to traditional banking services like checking and savings accounts, auto loans, and mortgages, we offer innovative digital tools such as online banking and mobile payments. These advancements ensure that managing finances is easy and accessible for everyone. Our commitment extends beyond transactions; we strive for ADA compliance and continuously enhance customer-centric initiatives to serve all members effectively. While members can visit us at 600 W Louisiana Ave Midland Tx 79701, official correspondence should be sent to 600 W Louisiana Ave, Midland, TX 79701-1610 if different. We also proudly feature ATM availability for added convenience and shared service center access for seamless banking experiences across partner credit unions. Community outreach is at the heart of what we do. We work closely with local organizations to support various initiatives that uplift our neighbors. These partnerships not only strengthen ties within Midland but also demonstrate our dedication to making a positive impact. We invite you to join My Community today! Experience the difference of being part of a cooperative that genuinely cares about its members' financial well-being. Explore membership options and discover how we can help you achieve your financial goals by visiting us online or calling us at 432-688-8400. Together, let's build a brighter future for Midland!

Branch Location & Accessibility

Welcome to My Community, your friendly credit union located at 600 W Louisiana Ave in the heart of Midland, TX! Our branch is designed with your convenience in mind, making it easy for you to manage your banking needs. We're just a stone's throw away from popular local landmarks, ensuring that you can stop by while you're out and about. At My Community, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, including ramps and ample parking for those who need it. Whether you're visiting our lobby or using our drive-thru service, we aim to make your experience as smooth as possible. Speaking of convenience, our operating hours are tailored to fit your busy lifestyle. You can visit us Monday through Tuesday from 9:00 AM to 5:00 PM, Wednesday from 10:00 AM to 5:00 PM, Thursday from 9:00 AM to 5:00 PM, and Friday from 7:30 AM to 6:00 PM. Plus, if you prefer the drive-thru, we're open Monday through Thursday from 7:30 AM to 5:30 PM and Friday until 6:00 PM. Don't forget that we're also available on Saturday mornings from 9:00 AM to 1:00 PM! For those who prefer digital banking options, we've got you covered with ATM services available right here at the branch. Whether it's cash withdrawals or balance checks, managing your finances has never been easier. And if you're a member of another participating credit union, feel free to utilize our shared service center for basic transactions. While members can visit us at our physical location, official correspondence should be sent to the same address at 600 W Louisiana Ave, Midland, TX 79701-1610. We invite you to come by and see how My Community can help you with personal banking services like checking and savings accounts, auto loans, mortgages, and more! If you have any questions or need assistance before your visit, don't hesitate to give us a call at (432) 688-8400. We look forward to serving you!

Member Eligibility

At My Community, we believe that everyone deserves a chance to be part of a community that cares. Becoming a member is as easy as connecting with us! If you live, work, worship, or attend school in the Midland area, you're already on your way to enjoying the benefits we offer. We welcome individuals and their families who are looking for a financial partner that prioritizes personal service and community support. For more detailed eligibility information, feel free to check out our resource at https://www.mccu.coop/about-connect/become-a-member.html . Opening an account with us is straightforward and welcoming. You can start your journey toward membership by visiting our website for account opening details at https://refinance.mccu.coop . If you have any questions or need assistance, don't hesitate to give us a call at (432) 688-8400. Join us at 600 W Louisiana Ave Midland Tx 79701, where we look forward to helping you achieve your financial goals!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine having a reliable partner who helps you manage transactions seamlessly. Our merchant services simplify payment processing so you can focus on what matters most running your business. From credit card processing to online payment solutions, we provide the tools you need to accept payments easily and securely. Located at 600 W Louisiana Ave Midland Tx 79701 in Midland, TX, our team is ready to assist you with personalized service tailored to your business needs. Contact us at (432) 688-8400 to learn more about how we can help your business thrive!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM and Cash Withdrawal Services

We also provide ATM access for quick cash withdrawals and balance checks when you're on the go. Plus, our drive-thru service allows for convenient transactions without leaving your vehicle perfect for those busy days!

Business Banking Support

For those running a business, we offer comprehensive business banking services including merchant services and business loans. We recognize the unique challenges faced by entrepreneurs and aim to provide resources that foster growth and success.

Credit Cards and Rewards

Looking for a way to make your everyday purchases work for you? Our credit cards come with rewards that allow you to earn points on what you already buy. This means every trip to the grocery store or fill-up at the gas station is an opportunity for benefits.

Digital Banking Convenience

In today's fast-paced world, having access to your finances anytime is crucial. Our online and mobile banking platforms ensure that managing your accounts is as easy as tapping a button. You can pay bills, transfer funds, and even check balances right from your smartphone or computer.

Personal Banking Solutions

Whether you're just starting out or looking to manage your wealth, our personal banking services have got you covered. From checking and savings accounts that help you save for your future, to auto loans and vehicle financing options designed to get you on the road, we are here to assist. If you're considering purchasing a home, our mortgage loans and refinancing options can make the process smoother than ever. And if life throws unexpected expenses your way, our personal loans and debt consolidation solutions offer flexible ways to regain control.

Shared Branch Transactions

If you're traveling or need banking assistance while away from home, take advantage of our shared branch services. This feature allows members of partner credit unions to perform basic transactions such as deposits and withdrawals at participating locations. At My Community, we strive not only to meet but exceed your expectations with a comprehensive suite of services designed with you in mind. If you have questions about how we can assist you further, please don't hesitate to reach out at (432) 688-8400 or visit us online at https://www.mccu.coop/ . We look forward to serving all your financial needs!

Digital & Online Banking

Effortless Payments and Transfers

Need to send money quickly? Our person-to-person transfer option lets you send funds directly to friends or family with just a few taps on your device. And if you're someone who loves convenience, you'll appreciate our mobile payments feature that allows you to make purchases using just your phone. At My Community, we strive to provide an accessible and user-friendly experience so that managing your finances is effortless. Explore our digital banking services today and take control of your financial future!

Go Paperless with E-Statements

Want to simplify your life? Sign up for e-statements! They're not only environmentally friendly but also give you quick access to your financial statements. This feature is part of our commitment to making banking easier for our members.

Online Banking Made Easy

Our 24/7 online banking services allow you to manage your accounts whenever it suits you. You can check your balances, transfer funds, and pay bills without leaving the comfort of your home. Plus, our mobile application makes it even easier to handle your banking needs right from your smartphone.

Secure Transactions at Your Fingertips

Your security is our top priority. With electronic signature authorization available, signing documents has never been more straightforward or secure. Enjoy peace of mind knowing that your personal information is protected while you conduct transactions online.

Financial Strength

Commitment to Growth

With $51,805,147 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 $7,645 in used auto loans and $399,179,600 in total loans and leases available to help you achieve your aspirations.

Growing Trust

Total Share and Deposit Accounts: 81,367, showing a strong and growing member base that trusts us with their finances. With net shares (funds available for lending and investments) at $0, we're well-positioned to support the community. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, My Community is your trusted partner. Visit us at 600 W Louisiana Ave Midland Tx 79701 or call (432) 688-8400 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $91,246,871 in share certificates and $16,642,748 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $17,676,851, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our commitment to operational efficiency is reflected in our $0, which allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 116 full-time employees and 5 part-time employees ready to assist you with knowledge and dedication.

Solid Financial Foundation

With a net worth of $53,968,217, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,061 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 $168,964,442 in used vehicle loans and $100,900,261 in new vehicle loans already helping members get on the road. We aim to make financing your vehicle as easy as possible. Plus, refinancing options are available if you're looking to lower your monthly payments or secure better terms on your existing auto loan.

Business Financing

For business owners, our outstanding commercial loans can provide the capital needed to grow and expand your business. Although there are currently no outstanding commercial loans listed, we encourage you to reach out for future opportunities tailored specifically for entrepreneurs. At My Community, we believe in empowering our members with the financial resources they need. For more information about any of our loan products or eligibility requirements, please contact us at (432) 688-8400 or visit our website at https://www.mccu.coop/. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step toward achieving your financial dreams!

Credit Cards and Personal Loans

We also offer flexible terms on unsecured credit card loans, with a total of $7,475,450 in loans helping members manage their finances effectively. If you're considering consolidating debt or covering unexpected expenses, our personal loans can provide you with the necessary funds without the stress.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,679,697, make buying or refinancing simple. We know that purchasing a home is one of the most significant investments you'll make, so our team is here to guide you through each step of the process.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With an array of options at your fingertips, you can easily navigate the loan landscape to find what suits your needs best. Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures that all offers presented are fair and transparent. Each lender featured has undergone a thorough vetting process, allowing you to trust that you're seeing legitimate loan options. LendMesh prioritizes transparency through several key features: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: You receive up-to-date loan rates from multiple institutions, empowering you to make informed decisions. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This feedback underscores the effectiveness of using LendMesh as a reliable tool for comparing loans. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

MY COMMUNITY CREDIT UNION