My Community Credit Union Odessa TX | Affordable Auto Loans & Personal Banking

Introduction

Welcome to My Community at 4037 E 42nd St, Odessa, TX 79762! Established in 1952, our credit union has been a trusted partner for over 41,000 members, offering financial solutions that empower and uplift our community. With total assets exceeding $506 million and total deposits reaching $56 million, we are dedicated to providing you with exceptional service and support. At My Community, we understand that each member's journey is unique. Whether you're looking to finance your dream car, save for a home, or manage everyday expenses, we offer a range of services tailored just for you. Our offerings include personal banking accounts, auto loans, mortgage options, and credit cards with rewards all designed to meet your needs while ensuring your financial well-being. Our leadership team is committed to fostering a sense of belonging among our members. Under the guidance of CEO Donna Neal and Board President Teresa DeShaw, we strive to create a welcoming environment where everyone feels valued. With a dedicated staff of 121 employees, we're here to assist you at every step of your financial journey. While you can visit us at our branch location in Odessa for all your banking needs, please note that official correspondence should be directed to the same address: 4037 E 42nd St, Odessa, TX 79762-5935. Join us today and experience the difference that comes from being part of a community-focused credit union. For more information or assistance, feel free to call us at 432-688-8400 or visit our website at mccu.coop. Together, let's build a brighter financial future!

Branch History & Mission

Commitment to Accessibility

Accessibility is important to us. That's why we offer ADA-compliant facilities along with convenient ATM access and drive-thru banking options for easy transactions. Whether you visit us in person or connect through digital platforms like online banking or mobile applications, we're here for you. While members can visit us at 4037 E 42nd St for all your banking needs, official correspondence should be sent to our mailing address at 4037 E 42nd St, Odessa, TX 79762-5935.

Join Us Today!

As we continue this journey together, we invite you to become part of the My Community family. Experience firsthand the benefits of being a member of a credit union that truly cares about your financial future. Call us today at 432-688-8400 or visit our website for more information on how you can join us!

Our Journey

Our journey began with a vision to provide quality financial services that are accessible to everyone. From our humble beginnings at 4037 E 42nd St, Odessa, TX 79762, we have continually evolved to meet the changing needs of our members. We have embraced new technologies and practices while remaining true to our mission of supporting the financial health of our community. Over the years, we've introduced various services such as personal banking accounts, auto loans, mortgages, and credit cards with rewards. These offerings are designed not only for convenience but also to empower our members on their financial journeys. With advancements like online banking and mobile payments now available, we're able to serve you better than ever before.

Our Mission

At My Community, our mission is clear: we strive to provide exceptional financial services while making a positive impact in the communities we serve. We believe that when our members succeed financially, our entire community thrives. We are dedicated to fostering strong relationships through transparency and trust. We also prioritize community outreach initiatives that go beyond financial services. By partnering with local organizations and participating in community events, we actively contribute to the well-being of Odessa and its residents.

Branch Location & Accessibility

Operating Hours

We know your time is valuable. That's why we offer extended hours to fit your busy schedule! Our lobby is open Monday through Tuesday from 9:00 am to 5:00 pm, Wednesday from 10:00 am to 5:00 pm, and Thursday from 9:00 am to 5:00 pm. On Fridays, we stay open until 6:00 pm so you can wrap up your week without rushing. For those who prefer the convenience of drive-thru banking, our drive-thru service operates Monday through Thursday from 7:30 am to 5:30 pm, Friday from 7:30 am to 6:00 pm, and even Saturdays from 9:00 am to 1:00 pm.

Services Offered

At My Community, we offer a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered. Need cash? You can also use our ATM services anytime! Plus, if you prefer banking from home or on the go, take advantage of our online and mobile banking features. If you have any questions or need assistance, feel free to call us at 432-688-8400. We look forward to serving you at My Community! Whether you're a long-time member or considering joining us for the first time, we invite you to experience the friendly service that sets us apart. Come visit us today!

Member Eligibility

At My Community, we believe that everyone deserves a chance to be part of a friendly and supportive community. Joining us as a member is not just about banking; it's about being part of something special. If you live, work, or worship in our local area, you're likely eligible to become a member! We aim to welcome individuals from all walks of life, making it easy for you to access our services and benefits. Plus, becoming a member means you can enjoy competitive rates on loans, personalized service, and a variety of financial products designed with your needs in mind. To get started with your membership journey at My Community, simply visit us at our convenient location at 4037 E 42Nd St Odessa Tx 79762 or give us a call at (432) 688-8400. For more detailed eligibility criteria, feel free to check out this link: https://www.mccu.coop/about-connect/become-a-member.html . When you're ready to open an account, you can find all the information you need here: https://refinance.mccu.coop . We look forward to welcoming you into our community!

Business Banking & Commercial Services

At My Community, we understand that every business is unique and requires tailored financial solutions to thrive. Located at 4037 E 42Nd St Odessa Tx 79762 in Odessa, TX, we are here to support your journey, whether you're starting out or looking to expand. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no commercial loans issued, we are dedicated to developing products that can meet the diverse needs of our community. Imagine having access to merchant services that streamline your operations accepting payments easily and managing transactions seamlessly. These services can transform how you do business, allowing you to focus on what truly matters: serving your customers and growing your brand. Even if you're not yet a member, we're eager to connect with local businesses and offer flexible financing solutions. Visit us at My Community or call us at (432) 688-8400 for more information on how we can help your business flourish!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're dreaming of a new car or need reliable transportation, our Auto Loans & Vehicle Financing solutions are here for you. With competitive rates and flexible terms, financing your next vehicle has never been easier. Picture driving off in the car you've always wanted without the stress of complicated paperwork.

Business Banking

At My Community, we also cater to local businesses with our Business Banking services. We offer merchant services and business loans that help entrepreneurs thrive in today's economy. Let us partner with you in achieving success through tailored financial solutions.

Convenient Access

Need cash quickly? Our ATM and cash withdrawal services are available for easy access to your funds any time of day. Plus, our basic drive-thru banking allows you to complete simple transactions like deposits and withdrawals without leaving your vehicle. No matter what service you're interested in, we're committed to making banking easier for you. If you'd like more information about any of these offerings or want assistance getting started, don't hesitate to reach out! Call us at (432) 688-8400 or visit us at Odessa 42nd Street today we're eager to help you navigate your financial journey!

Credit Cards with Rewards

For those who enjoy earning rewards on their purchases, our Credit Cards with Rewards give you the chance to earn points on everyday spending. Use your card for groceries or gas and watch the rewards stack up!

Mortgage Loans & Refinancing

Thinking about buying a home or refinancing? Our Mortgage Loans & Refinancing options provide the support you need to make one of life's biggest investments. From first-time buyers to those looking to refinance their existing mortgage, our friendly staff will guide you through the process.

Personal Banking

We know that managing your personal finances can be challenging. That's why we offer Personal Banking options including checking and savings accounts tailored to fit your lifestyle. Imagine having easy access to your funds with our user-friendly online and mobile banking services. You can check balances, transfer money, and pay bills from the comfort of your home or on-the-go.

Personal Loans & Debt Consolidation

Life happens, and sometimes unexpected expenses arise. Our Personal Loans & Debt Consolidation services can help ease those burdens. Whether it's for medical expenses or consolidating debt into one manageable payment, we work hard to find solutions that meet your needs.

Digital & Online Banking

Key Features

Our online banking services include 24/7 access to your accounts, allowing you to check balances, transfer funds, and pay bills at your convenience. Whether you're using a computer or our mobile application, you'll find navigating your finances straightforward and user-friendly. Plus, with the added convenience of person-to-person transfers, sending money to friends or family is just a few taps away. Security is a top priority for us at My Community. We provide electronic signature authorization for important documents, giving you peace of mind while handling transactions from the comfort of your home. You can also opt for e-statements, helping you keep track of your finances without the clutter of paper statements.

Mobile Convenience

With our mobile payments feature, making purchases on the go has never been easier. You can quickly pay for items using just your smartphone. And if you prefer managing everything through an app, our mobile application is designed to meet all your banking needs right from your pocket. At My Community, we're committed to providing accessible and efficient banking solutions tailored for you. Explore all our digital offerings today at https://www.mccu.coop/ and see how easy it is to manage your financial life with us!

Financial Strength

Growing Together

We are honored to support a community of 81,367 total share accounts. This growth reflects the trust our members place in us as their financial partner. Net Shares (Funds available for lending and investments): $0. 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 4037 E 42Nd St Odessa Tx 79762 or call (432) 688-8400 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.

Investing Back into Our Community

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.

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 operations reflect our commitment to efficiency; our $0 showcases this dedication. 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.

Solid Financial Health

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.

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. Whether you're interested in financing a new ride or a reliable used car, we have options available that make the process straightforward and accessible.

Credit Lines

In addition to our core loan products, we provide access to credit lines totaling $153,197,858. This option can be helpful for managing unexpected expenses or funding personal projects without the hassle of traditional loans. At My Community, we're committed to providing personalized service and guidance throughout your borrowing experience. For any questions about our loan offerings or to discuss refinancing options, don't hesitate to reach out at (432) 688-8400. 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 us today and discover 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 $2,679,697, make buying or refinancing simple. We offer various mortgage solutions tailored to fit your budget and lifestyle. If you're considering refinancing your current mortgage, we can help explore eligibility options that may lower your monthly payments or provide cash for other needs.

Unsecured Credit Card 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. These cards come with rewards programs that can benefit you while making everyday purchases easier.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers come from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: Unlike many comparison tools, LendMesh does not prioritize lenders based on paid promotions. Our goal is to provide unbiased results that empower users. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, allowing for informed decision-making. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Take control of your financial decisions today. Compare real-time loan offers at LendMesh and discover 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.*

How LendMesh Ensures Accurate Loan Comparisons

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 rigorous approach ensures that all loan offers are fair and transparent. By relying on verified institutions, LendMesh eliminates the guesswork often associated with finding competitive rates.

MY COMMUNITY CREDIT UNION