My Community Credit Union Midland TX | Best Auto Loans & ATM Access

Introduction

Welcome to My Community, your trusted partner in financial well-being, located at 4001 N Big Spring St, Midland, TX 79705. Since our establishment in 1952, we have been dedicated to serving the needs of our members and the community, nurturing strong relationships built on trust and reliability. With a total membership of over 41,000 individuals, we take pride in being more than just a credit union; we're a vital part of Midland. At My Community, we understand that financial decisions are personal and impactful. That's why we offer a variety of services tailored to your unique needs, from auto loans and mortgages to savings accounts and business banking. Our commitment is reflected in our impressive assets totaling $506,298,430 and robust total deposits of $56,954,920. With a strong net worth of $53,968,217 and cash reserves amounting to $7,645,821, you can rest assured that your finances are in safe hands. Led by our CEO Donna Neal and Board President Teresa DeShaw, our team of 121 employees is passionate about providing exceptional service. We believe that every member deserves personalized attention and support as they navigate their financial journeys. Whether you're visiting us for basic transactions or seeking advice on loans or savings plans, you will find knowledgeable staff ready to assist you. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 4001 N Big Spring St, Midland, TX 79705. Ready to take control of your financial future? Give us a call at 432-688-8400 or visit us online at mccu.coop to learn more about how we can help you achieve your financial goals. Join us today and experience the difference that comes with being part of a community-focused credit union!

Branch History & Mission

Community Focus

My Community thrives on partnerships and outreach initiatives designed to uplift those around us. We actively engage in various community events and support local organizations that align with our values of helping others. By working together with our members and local businesses, we aim to create a lasting impact that benefits everyone involved. As we continue this journey together, we invite you to join us at My Community. Experience firsthand how being part of a credit union can enhance your financial future while contributing positively to your community. Whether you're looking for personal banking solutions or want to explore new opportunities with us, we're here for you every step of the way. For more information about becoming a member or exploring our services further, please call us at 432-688-8400 or visit us online at www.mccu.coop. Join My Community today together, let's build a brighter future!

Our Mission

Our mission is simple yet impactful: to provide exceptional financial services while nurturing a supportive community environment. At My Community, we believe that financial empowerment goes hand in hand with community engagement. We strive to create opportunities for our members through personalized service and innovative solutions tailored to their unique needs. Whether it's through online banking or mobile payments, we have embraced digital advancements to ensure that our services are accessible and user-friendly. Our commitment to customer satisfaction is reflected in our operating hours Monday through Friday with convenient drive-thru options on Saturdays making it easy for you to manage your finances when it suits you best. While members can visit us at 4001 N Big Spring St for all their banking needs, official correspondence should be sent to the same address as we maintain transparency and accessibility in everything we do.

Branch Location & Accessibility

Location Highlights

Situated near local landmarks, including the bustling downtown area and various shopping centers, our branch is easy to find and reach. Ample parking is available right outside our doors, making your visit as smooth as possible. We also prioritize accessibility with features like ADA-compliant ramps to ensure everyone can enjoy our services comfortably.

Operating Hours

At My Community, we understand that life can be busy. That's why we offer flexible operating hours designed to accommodate your schedule. Our lobby is open from 9:00 AM to 5:00 PM on Mondays and Tuesdays, 10:00 AM to 5:00 PM on Wednesdays, and until 6:00 PM on Fridays. For those who prefer drive-thru service, we're ready to assist you from 7:30 AM during the week and even on Saturday mornings from 9:00 AM to 1:00 PM.

Services Available

We're proud to provide a range of services tailored just for you whether it's personal banking options like checking and savings accounts, auto loans, or mortgage refinancing. If you're in need of quick cash or access to your funds, we have an ATM available for your convenience. Plus, our shared service center allows members of partner credit unions to conduct basic transactions too! While members can visit us at 4001 N Big Spring St, official correspondence should be sent to the same address since it serves as both our branch and mailing location. We encourage you to stop by or give us a call at 432-688-8400 if you have any questions about how we can help you achieve your financial goals. Your community matters to us let's build a brighter future together!

Member Eligibility

At My Community, we believe that everyone deserves a chance to be part of a supportive financial community. Becoming a member is simple and welcoming! If you live, work, or attend school in the Midland area, you're likely eligible to join us. Our membership is open to individuals who share our values and vision for financial wellness. Plus, as a member, you'll enjoy access to a range of services designed to help you thrive, from checking accounts and loans to online banking options. If you're ready to take the next step, opening an account with us is straightforward! You can find detailed eligibility criteria by visiting https://www.mccu.coop/about-connect/become-a-member.html . For those interested in starting the process, more information about account opening can be found at https://refinance.mccu.coop . If you have any questions or need assistance, don't hesitate to call us at (432) 688-8400. Join us at My Community, located at 4001 N Big Spring St Midland Tx 79705, and become part of our growing family today!

Business Banking & Commercial Services

Loan Options That Fuel Growth

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.

Merchant Services That Make Life Easier

In addition to loans, we offer merchant services that simplify transactions for your business. Picture this: you're at a busy event, and customers want to make purchases on the spot. Our merchant services enable quick and easy credit card processing, ensuring you never miss a sale. From payment solutions to cash management, we equip you with tools that streamline operations so you can focus on what matters most growing your business. Visit us at 4001 N Big Spring St Midland Tx 79705 in Midland, TX, or call us at (432) 688-8400 to learn more about how we can help your business thrive!

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash quickly? Our ATM services allow for easy withdrawals and balance checks without stepping inside the branch. Plus, our basic drive-thru banking makes transactions straightforward whether it's deposits or simple withdrawals, we've got you covered.

Business Banking Solutions

If you're a business owner, our banking services extend to you too! From merchant services that facilitate smooth transactions to business loans designed to help you grow, we support local businesses in achieving their goals.

Credit Cards and Rewards

Why not earn rewards while making purchases? Our credit cards come with attractive rewards that add value to your spending habits. Enjoy cash back or points that can be redeemed for various perks making every purchase count!

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services. You can easily manage your accounts from anywhere at any time check balances, transfer funds, and pay bills all from your smartphone or computer. With features like person-to-person payments and electronic statements, staying on top of your finances has never been simpler.

Personal Banking Services

We offer a variety of personal banking solutions that cater to your everyday needs. Our checking and savings accounts are designed with you in mind, providing flexibility and convenience for managing your money. If you're considering a new vehicle or need financing options, our auto loans and vehicle financing programs can help you hit the road with confidence. For those dreaming of home ownership, we provide mortgage loans and refinancing options that make buying or upgrading your home easier than ever. And if life throws unexpected expenses your way, our personal loans and debt consolidation services are available to help you regain control.

Shared Branch Transactions

As part of our commitment to accessibility, we also offer shared branch transactions for members of partner credit unions. This means you can make deposits and withdrawals even if you're away from your home branch. In conclusion, at My Community, we are dedicated to providing comprehensive financial services tailored for every aspect of life from personal banking needs to business growth opportunities. We invite you to visit us at 4001 N Big Spring St Midland Tx 79705 or give us a call at (432) 688-8400 for more information about how we can assist you today! Don't forget to explore our website at Big Spring St for more details on all the services we offer.

Digital & Online Banking

Convenient Online Banking

With our 24/7 online banking services available at https://www.mccu.coop/ , you can check your account balances, pay bills, and transfer funds with just a few clicks. No more waiting in line; everything is right at your fingertips. Plus, our mobile application makes it even easier to bank on the go, allowing you to manage your accounts directly from your smartphone.

E-Statements and Mobile Payments

Say goodbye to paper clutter! Enjoy e-statements that keep all your financial records organized and accessible. You can also make payments quickly and easily using mobile payments just another way we help simplify your life.

Easy Money Transfers

Need to send money to a friend or family member? Our person-to-person transfer feature allows you to send money directly to anyone with just a few taps on your device. It's fast, simple, and convenient! In short, My Community offers a comprehensive suite of digital banking tools designed for modern life. Experience the ease of managing your finances wherever you are, whenever you need it! For more information, visit us online at https://www.mccu.coop/ today.

Secure Transactions

We prioritize your security. With features like electronic signature authorization, you can sign important documents safely without needing to visit a branch. Our online platform uses top-notch security measures to protect your personal information and transactions.

Financial Strength

A Solid Foundation

With a net worth of $53,968,217, we maintain strong 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.

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.

Operational Efficiency

Our $0 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 116 full-time employees and 5 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Trust Built on Results

Total Share Accounts: 81,367, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0 further highlights our ability to support your needs. 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 4001 N Big Spring St Midland Tx 79705 or call (432) 688-8400 to learn more about how we can help you achieve your financial goals.

Your Savings Are Safe

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.

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 provide financing options for both new and used vehicles, making it simple for you to find a plan that fits your budget.

Credit Lines

If you need extra flexibility in your finances, our total credit lines amounting to $153,197,858 can provide the additional support you need. This option allows you to borrow as needed while only paying interest on what you use. At My Community, we're committed to making financing accessible and straightforward for our members. If you're considering refinancing or want to know about eligibility options for any of these products, we encourage you to reach out. Our financial insights and data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're here to help you navigate your financial journey with confidence!

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're here to assist you every step of the way, whether you're a first-time buyer or looking to refinance an existing mortgage.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging, which is why 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. These cards come with competitive rates and no collateral required, giving you peace of mind when unexpected costs arise.

Loan Aggregator

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Ensuring Accurate Comparisons

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MY COMMUNITY CREDIT UNION - Midland, TX