MyUSA Credit Union Kettering OH | Best Auto Loans & Business Banking

Introduction

Welcome to Myusa, your trusted financial partner located at 21 W Dorothy Ln, Kettering, OH 45429. With over 19,000 members benefiting from our services, we take pride in being a community-focused credit union that puts your needs first. Since our establishment, we have grown significantly, managing assets of approximately $321,837,509 and offering loans totaling 12,721 to help you achieve your financial goals. Under the leadership of CEO James Miles and Board President Kyle McGlone, we strive to create a welcoming environment for all members. We understand that every financial journey is unique, which is why we offer a variety of services including personal banking, auto loans, mortgage options, and business banking solutions. Our dedicated team of 80 employees is here to provide personalized support tailored to your individual circumstances. At Myusa, we believe in transparency and empowerment. That's why our net worth stands at an impressive $46,347,215, ensuring stability and security for our members. You can also feel confident knowing that we maintain cash reserves of about $1,481,175, ready to assist you when needed. While you can visit us at our branch for face-to-face assistance or use our ATM and drive-thru services for quick transactions, official correspondence should be sent to the same address: 21 W Dorothy Ln, Kettering, OH 45429-1446. We invite you to explore our website at myusacu.com for more information about our offerings. If you're ready to take the next step in your financial journey or have any questions, please don't hesitate to call us at 937-610-3390. Together, let's build a brighter financial future!

Branch History & Mission

Welcome to Myusa, where we have proudly served the Kettering community since our inception. Located at 21 W Dorothy Ln, Kettering, OH 45429, our branch has been a cornerstone of financial support and growth for our members. As we continue to flourish, we are honored to have built a strong membership base of over 19,102 individuals who trust us with their financial needs. Myusa was established with a mission to empower our community through accessible financial services. Our journey began with a vision to provide not just banking solutions but also support that enriches lives. Over the years, we have seen significant milestones, including achieving total assets of $321,837,509, which reflects our commitment to sound financial management and service excellence. Our mission is simple yet impactful: to enhance the financial well-being of our members while fostering a sense of community. We believe that everyone deserves access to quality financial products and services. This philosophy drives us to offer a range of personal banking options, including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking solutions. While members can visit us at 21 W Dorothy Ln, official correspondence should be sent to 21 W Dorothy Ln, Kettering, OH 45429-1446. Our branch operates Monday through Friday from 9 AM - 6 PM and offers Saturday drive-thru service from 9 AM - 1 PM for added convenience. We also provide ATM access and drive-thru banking services so that you can manage your finances with ease. In addition to our core services, Myusa is dedicated to community outreach. We partner with local organizations to ensure that we contribute positively to the neighborhoods we serve. Our commitment extends beyond transactions; it's about building lasting relationships based on trust and mutual respect. As technology continues to advance, we strive to stay ahead by offering online and mobile banking solutions that meet your needs. From e-statements to person-to-person payments, we make managing your finances as straightforward as possible. Join us today at Myusa in Kettering! Experience the difference that comes from being part of a credit union that truly cares about its members and their community. Whether you're looking for a new account or need assistance with loans or mortgages, we're here for you every step of the way. Call us at 937-610-3390 or visit our website at myusacu.com for more information on how we can help you achieve your financial goals!

Branch Location & Accessibility

Get in Touch!

Ready to experience friendly service and community-focused banking? We invite you to visit us at Myusa in Kettering! If you have any questions or need assistance before stopping by, don't hesitate to give us a call at 937-610-3390. We look forward to welcoming you!

Nearby Landmarks and Accessibility

Our branch is easily accessible and well-connected. You'll find ample parking available, ensuring that your visit is hassle-free. Plus, we are committed to being accessible for everyone; our facility includes ADA-compliant features like ramps for ease of entry.

Operating Hours and Services

We're here to serve you with convenient operating hours! You can come see us from 9 AM to 6 PM Monday through Friday, and on Saturday, we're open from 9 AM to 1 PM. So whether you need assistance with checking and savings accounts or are looking into auto loans or mortgages, our team is ready to help. For those on the go, we also offer drive-thru banking services for quick deposits and withdrawals without leaving your vehicle. And if you need cash or want to check your balance after hours, our ATM is available for your convenience. We also participate in shared services, allowing members from partner credit unions access to basic transactions like deposits and withdrawals here at Myusa.

Member Eligibility

At Myusa, we believe that becoming a member is like joining a family, where you can find support and resources tailored just for you. If you're looking to join us at our Kettering branch located at 21 W Dorothy Ln Kettering Oh 45429, you'll be glad to know that eligibility is designed to be inclusive. Generally, anyone who lives, works, or attends school in the community is welcome to apply. This means that whether you're a long-time resident or new to the area, there's a place for you here! Plus, being a member comes with fantastic benefits like competitive loan rates and personalized service. Starting your journey with us is straightforward. You can find more details about eligibility by checking out our website at . If you have any questions or need assistance during the process, feel free to give us a call at (937) 610-3390. We're excited to help you become part of our vibrant community!

Business Banking & Commercial Services

Merchant Services That Make a Difference

In today's competitive market, having reliable merchant services can set you apart. At Myusa, we offer tailored merchant solutions that simplify payment processing and enhance customer experience. Imagine accepting payments seamlessly at your storefront or online our services help you focus on what matters most: growing your business. Located conveniently at 21 W Dorothy Ln Kettering Oh 45429, Kettering, OH 45429, we're here to partner with you in achieving your financial goals. Call us at (937) 610-3390 or visit us during our operating hours from 9 AM to 6 PM on weekdays and 9 AM to 1 PM on Saturdays. Let's build your business together!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $12 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $184 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $4,842,418, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

For our business members, we offer specialized services that include merchant services and business loans to help your venture thrive. We recognize the unique challenges faced by businesses today and are here to support you in achieving your goals.

Convenient Digital Banking

In this fast-paced world, convenience matters. That's why online and mobile banking are essential parts of what we offer at Kettering. With just a few clicks or taps, you can manage your accounts, transfer funds, and pay bills from anywhere. Our ATM services allow for quick cash withdrawals and balance checks whenever you need them.

Credit Options

In addition to traditional loans, we understand that life sometimes requires a little extra financial support. That's why we provide personal loans for everything from unexpected expenses to debt consolidation. Plus, our credit cards with rewards allow you to earn while you spend, making every purchase count toward something special.

Drive-Thru & Shared Branch Services

We also feature basic drive-thru banking, where you can conduct simple transactions like deposits and withdrawals without leaving your car. For members of partner credit unions, our shared branch transactions provide even more flexibility when accessing funds while traveling. Whether you're visiting us at our branch located at 21 W Dorothy Ln Kettering Oh 45429, calling us at (937) 610-3390, or using our digital platforms, we're dedicated to making your banking experience as smooth as possible. If you're ready to explore how we can assist you in achieving your financial goals, visit us today or check out our website at https://www.myusacu.com/. We're excited to serve you!

Personal Banking Solutions

For individuals and families, we offer comprehensive personal banking services. You can choose from a variety of checking and savings accounts designed to help you manage your money effectively. Need a new car? Our auto loans and vehicle financing options make it easy to get behind the wheel with favorable rates and terms. If you're looking to buy a home or refinance your existing mortgage, our mortgage loans provide competitive rates and flexible options that fit your lifestyle.

Digital & Online Banking

At Myusa, we understand that managing your finances should be easy and secure. That's why we offer a range of digital and online banking services designed to fit your busy lifestyle. Whether you're at home or on the go, our online platform provides you with the tools you need to stay in control of your money. With our 24/7 online banking services, available at https://www.myusacu.com/, you can check your account balance, transfer funds, and pay bills anytime, anywhere. Our user-friendly interface makes it simple to navigate through your accounts. Plus, if you prefer going paperless, you'll appreciate our E-Statements feature, allowing you to access your statements online whenever you need them. For those times when you want to send money quickly to friends or family, our Person-to-Person Transfers make it straightforward. Just a few clicks are all it takes! If you're on the move, don't forget to download our mobile application, which offers all the features of online banking right in your pocket. Security is our top priority. With Electronic Signature Authorization, signing documents digitally is not only safe but also incredibly convenient. You won't have to worry about printing or mailing paperwork ever again. While we currently don't support mobile payments directly, we are committed to providing innovative services that meet your needs. Rest assured that our online banking options are built with security measures in place to keep your information safe. Experience the convenience of managing your finances from anywhere with Myusa's digital banking solutions. Start today by visiting https://www.myusacu.com/!

Financial Strength

Growing Member Trust

Total Share Accounts: 43,153, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $502,884 further exemplifies 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, Myusa is your trusted partner. Visit us at 21 W Dorothy Ln Kettering Oh 45429 or call (937) 610-3390 to learn more about how we can help you achieve your financial goals.

Member Savings Security

Members' savings are secured through $42,777,422 in share certificates and $78,386,642 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.

Operational Efficiency

Our $1,111,575 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 78 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for Growth

With $22,008,750 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 with $936 in used auto loans and $187,014,803 in total loans and leases.

Solid Financial Foundation

With a net worth of $46,347,215, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,440 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 $11,103,557 in used vehicle loans and $37,399,493 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a dependable used vehicle, our flexible terms and competitive rates make it easy to find a solution that fits your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $4,842,418 provide the capital needed to grow and expand your business. We understand the unique challenges that entrepreneurs face and are committed to supporting your success. If you're considering refinancing any of these products or want more information about eligibility options, please don't hesitate to reach out. We're here to help you navigate all your borrowing needs. You can visit us at 21 W Dorothy Ln Kettering Oh 45429, Kettering, OH 45429, or give us a call at (937) 610-3390. Our team is ready to assist you from 9 AM to 6 PM on weekdays and 9 AM to 1 PM on Saturdays. 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 how our loan offerings can help turn your financial dreams into reality today!

Credit Lines

Our total credit lines amount to $43,229,435, providing additional flexibility for unexpected expenses or planned purchases. This option is perfect for members who want quick access to funds without having to apply for a new loan each time.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $27,980,925, make buying or refinancing simple. We're here to guide you through the process, offering personalized service and expert advice every step of the way.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $8,289,539 in loans helping members manage their finances effectively. Our credit cards come with rewards and no annual fees, allowing you to enjoy your purchases while building your credit history.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions, ensuring transparency and trustworthiness in the information provided. - No Sponsored Listings: Unlike many comparison tools, LendMesh does not prioritize lenders based on paid promotions. The focus is solely on delivering unbiased results to help users find the best deals. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, making it easier to compare offers and select the right fit for their needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights the effectiveness of the platform in helping consumers save money. 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.*

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 commitment ensures that all offers are fair and transparent, allowing users to make informed decisions without hidden surprises.

Myusa