MyUSA Credit Union Kettering OH | Affordable Vehicle Loans & ATM Services

Introduction

Welcome to Myusa, your trusted partner in financial success! Located at 1 Reynolds Way, Kettering, OH 45430, we are proud to serve our community with dedication and care. Established to empower our members, Myusa has grown into a vital financial institution with a robust membership of 19,102 individuals who rely on us for their banking needs. At Myusa, we understand the importance of financial stability. With total assets amounting to an impressive $321,837,509 and total deposits reaching $42,646,240, we are well-equipped to support you through every stage of life. Our commitment is reflected in our extensive range of services from checking and savings accounts to auto loans and mortgage refinancing. Whether you're looking to purchase a new vehicle or consolidate debt, we've got you covered! Our leadership team is dedicated to your success. Under the guidance of CEO James Miles and Board President Kyle McGlone, we aim to foster a welcoming environment where members feel valued and supported. We also take pride in our talented staff of 80 employees, all working together to provide exceptional service. While members can visit us at our Kettering branch, official correspondence should be sent to 3600 Towne Blvd, Middletown, OH 45005-5543. Have questions or need assistance? Don't hesitate to call us at (513) 420-8640; we're here for you during our lobby hours from 9 AM to 6 PM Monday through Friday. Join us at Myusa and experience the difference that personal banking can make! Visit our website at myusacu.com for more information on how we can help you achieve your financial goals today!

Branch History & Mission

Looking Ahead

As we continue to grow, we remain dedicated to ADA compliance and customer-centric initiatives that ensure all members can access our services comfortably. With ATM availability and shared service center options, convenience is always at your fingertips. Join us at Myusa! Whether you're looking for competitive rates on loans or simply want a safe place to save for your future, we invite you to experience the benefits of being part of our family-oriented credit union. Together, let's build a brighter financial future for you and your loved ones. For more information or assistance, feel free to contact us at 513-420-8640 during our operating hours from 9 AM - 6 PM M-R and Friday until 6 PM. Let's embark on this journey together!

Our Legacy

From the moment we opened our doors, we aimed to create a welcoming environment where everyone could achieve their financial goals. Throughout the years, Myusa has grown significantly, boasting total assets of over $321 million. This growth reflects not only our dedication to providing quality financial products but also the trust our members place in us. Our headquarters in Middletown, OH, serves as the backbone of our operations. With a strong foundation and an ever-expanding membership base, we strive to adapt and innovate within the financial landscape. As technology advances, so do we offering online and mobile banking options that fit seamlessly into our members' busy lives.

Our Mission

At the heart of Myusa's mission is the desire to empower individuals and families financially while giving back to the community that supports us. We offer a range of services tailored to meet diverse needs from personal banking solutions like checking and savings accounts to various loan options including auto loans and mortgages. Our commitment extends beyond transactions; we actively engage in community outreach initiatives that uplift those around us. While members can visit us at 1 Reynolds Way in Kettering for all their banking needs, official correspondence should be sent to our mailing address: 3600 Towne Blvd, Middletown, OH 45005-5543.

Branch Location & Accessibility

Call Us or Visit Today!

If you have any questions or want more information about our services, feel free to give us a call at (513) 420-8640. Our team looks forward to welcoming you at Myusa where your financial success is our priority! Whether you're dropping by for a chat or conducting business, we're here for you every step of the way.

Operating Hours

We know how busy life can get, so we've made it easy for you to visit us. Our lobby hours are from 9 AM to 6 PM, Monday through Friday. Whether you're stopping by for a quick question or need assistance with a loan application, our dedicated staff is here to help during these hours.

Services Offered

At Myusa, we offer a variety of services designed to meet all your banking needs. From personal banking options like checking and savings accounts to loans for vehicles and mortgages, we have you covered. If you're looking for business banking solutions or even just need ATM access, we provide those as well. Plus, enjoy basic shared branch transactions if you're a member of one of our partner credit unions!

Member Eligibility

At Myusa, we believe in creating a welcoming community where everyone can thrive. Becoming a member is straightforward and inclusive, designed for those who live, work, or worship in the area. Whether you're just starting out on your financial journey or looking for a place to grow your wealth, we have something for you. To learn more about the specific eligibility criteria, feel free to check out our detailed guide at . Joining us means access to a range of benefits tailored just for you, from personal banking services like checking and savings accounts to auto loans and credit cards with rewards. If you're ready to take the next step, opening an account is easy! You can reach us at (513) 420-8640 for any questions or visit us in person at 1 Reynolds Way Kettering Oh 45430. We look forward to welcoming you into our family at Myusa!

Business Banking & Commercial Services

Financing Your Vision

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.

Merchant Services That Make Sense

In addition to loans, we offer robust merchant services that simplify transactions and enhance customer experience. Imagine being able to accept payments quickly and securely from your customers, ensuring they leave happy and satisfied. Our tools help you streamline operations so you can focus on what you do best running your business. Visit us at 1 Reynolds Way Kettering Oh 45430 in Kettering, OH, or call us at (513) 420-8640 to learn how we can help your business thrive!

Comprehensive List Of Services

ATM & Shared Branch Access

Need cash quickly? Our ATM services are available for convenient withdrawals and balance checks. Plus, as part of a network of partner credit unions, we provide basic shared branch transactions such as deposits and withdrawals making banking more accessible when you're away from home. If you're ready to explore these offerings further or have any questions about how we can assist you in achieving your financial goals, please reach out to us at (513) 420-8640 or visit us online at Reynolds And Reynolds. We look forward to serving you!

Business Banking Services

For those running a business or planning to start one, our business banking solutions offer merchant services and business loans designed specifically for entrepreneurs like you. We want to see your business thrive.

Credit Cards with Rewards

Our credit cards come with rewarding benefits that can enhance your spending power while earning points along the way. Imagine using your card for daily purchases and reaping rewards that can lead to discounts or travel perks!

Digital Banking Convenience

In today's fast-paced world, we know how important it is to have banking services at your fingertips. With online and mobile banking available, managing your accounts has never been easier. You can check balances, transfer funds, and even pay bills from the comfort of your home or on the go.

Home Financing Options

Thinking about buying a home? Our mortgage loans and refinancing options are here to support you on this exciting journey. We understand that every homeowner's needs are unique; that's why our team works closely with you to find the best mortgage solution tailored just for you.

Personal Banking Solutions

We offer various personal banking options, including checking and savings accounts that fit different lifestyles. Imagine having an account that not only helps you save for that dream vacation but also allows easy access for daily transactions. Our auto loans and vehicle financing make it simpler than ever to get behind the wheel of your next car without breaking the bank. With competitive rates and flexible terms, you can drive off with confidence.

Personal Loans for Every Need

Life can throw unexpected expenses your way, and that's where our personal loans and debt consolidation options come into play. Whether it's for medical bills, home improvements, or just a little extra cash flow, we're here to help you regain control over your finances.

Digital & Online Banking

Key Features

Our online banking service is available 24/7 through https://www.myusacu.com/ , allowing you to check balances, pay bills, and transfer funds with just a few clicks. If you prefer using your mobile device, our mobile application provides all the functionalities you need right at your fingertips. You can even make person-to-person transfers effortlessly, sending money to friends or family in an instant.

Real-Time Management

With our digital banking tools, you can manage your accounts in real-time. This means you'll always know where your finances stand and can make informed decisions quickly. Our goal is to provide you with a banking experience that is not only efficient but also empowers you to handle your financial needs with confidence. Join us at Myusa and discover how our digital and online banking services can simplify your life while keeping your information secure!

Security and Accessibility

Security is a top priority for us. We provide electronic signature authorization for transactions, ensuring that your financial activities are protected. Plus, with e-statements available, you can view your account statements online without the hassle of paper clutter.

Financial Strength

Commitment to Members

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. Our commitment to serving our members is evident in our financial strategy.

Dedicated Team

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. Our staff is dedicated to providing exceptional service every day.

Growing Membership

Total Share Accounts stand at 43,153, showing a strong and growing member base that trusts us with their finances. This growth reflects the community's confidence in our ability to manage their needs effectively. 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 1 Reynolds Way Kettering Oh 45430 or call (513) 420-8640 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operations reflect efficiency with a net income of $1,111,575, enabling us to continue offering competitive loan rates and solid financial products for our members. We strive to keep costs low while maximizing value for those who choose Myusa as their trusted credit union.

Reinvestment 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. This approach allows us to continuously improve our services and offerings.

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. This focus on member security means that your deposits are safe with us.

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.

Support for Your Financial Goals

Our lending capacity supports members' financial goals across various sectors with $936 in used auto loans and $187,014,803 in total loans and leases. Whether you're looking to finance a vehicle or need funds for other personal projects, we're here to help.

Loan Offering

Additional Options

If you're considering refinancing an existing loan or want to check your eligibility for any of our products, don't hesitate to reach out! Our knowledgeable staff is available at (513) 420-8640, ready to assist you with any questions or concerns. At Myusa, we're committed to supporting our members every step of the way. Visit us at 1 Reynolds Way Kettering Oh 45430 in Kettering, OH, or explore more about our offerings online at https://www.myusacu.com/ . We're here to help you navigate your financial journey with confidence!

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. We provide financing options for both new and used vehicles, ensuring that you can find a plan 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 that every business has unique needs, so we work closely with you to find solutions that fit.

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. Whether you're a first-time homebuyer or looking to refinance your existing mortgage, our team is here to guide you through the process.

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. This option allows you to make purchases while enjoying low-interest rates and no collateral requirements.

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. This transparency ensures that users can navigate their loan options without confusion. LendMesh guarantees accurate loan comparisons by sourcing data 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 approach ensures fair and transparent offers tailored to meet user needs. One key benefit of using LendMesh is Verified Data. Loan offers are sourced from legitimate financial institutions, ensuring complete transparency in what users see. Additionally, LendMesh features No Sponsored Listings, meaning lenders are not prioritized based on paid promotions. The platform focuses solely on providing unbiased results to help users make informed decisions. Another advantage is Real-Time Rate Comparisons. Users can access up-to-date loan rates from multiple institutions, allowing them to compare options effectively. This timely information is crucial for making sound financial choices. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the value and efficiency of the service. 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.*

MYUSA CREDIT UNION