Natchez Educators Credit Union Natchez MS | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Natchez Educators, your trusted financial partner in the heart of Natchez, Mississippi! Located at 10 Homochitto St, Natchez, MS 39120, we have been dedicated to serving our community since 1961. With a strong commitment to our members, we proudly support over 382 individuals and families, helping them achieve their financial goals. At Natchez Educators, we believe that banking should be personal. That's why we offer a range of services tailored to meet your needs from checking and savings accounts to auto loans and mortgage refinancing. As of now, our total assets stand at an impressive $1,327,328, with total deposits reaching $213,975. We are here to provide you with competitive rates and reliable service. Under the leadership of our CEO, Teresa Ford, and Board President, Lorene Mock, our team is small but mighty consisting of just 2 employees who are passionate about making a difference in our members' lives. Our financial health is solid, with a net worth of $651,820 and cash in hand amounting to $50, ensuring we can meet your banking needs effectively. While members can visit us at our branch location for all your banking needs, official correspondence should be sent to our mailing address: P.O. Box 774, Natchez, MS 39121. We invite you to join our growing family today! Feel free to give us a call at 601-445-2851 for more information or stop by during our lobby hours on Monday, Wednesday, and Friday from 8:30 a.m. to 4:30 p.m. Let us help you navigate your financial journey with confidence!

Branch History & Mission

At Natchez Educators, we take pride in our rich history and commitment to serving the community of Natchez, MS. Since our founding in 1961, we've grown from a small credit union to a trusted financial partner for over 382 members. Located at 10 Homochitto St, we are ideally situated near local landmarks that make us accessible and convenient for all your banking needs. Our mission is simple yet profound: to provide exceptional financial services while fostering community support and development. We aim to empower our members through personalized banking solutions, including checking and savings accounts, auto loans, mortgage financing, personal loans, and business banking services. Each step we take is focused on enhancing the financial well-being of our members and the communities we serve. Over the years, we have adapted to meet the evolving needs of our members. With total assets reaching $1,327,328, we are committed to maintaining a strong financial foundation. Our operating hours on Monday, Wednesday, and Friday from 8:30 a.m. to 4:30 p.m. ensure that you can access our services conveniently. While we currently do not offer ATM or drive-thru services, our dedicated staff is always ready to assist you within our lobby. Though our mailing address differs slightly at P.O. Box 774, Natchez, MS 39121, you can always reach us directly at (601) 445-2851 for any inquiries or assistance. As part of our commitment to inclusivity and accessibility, Natchez Educators actively engages in community outreach initiatives that support local schools and charitable organizations. We believe that by investing in our community's future, we help create a stronger tomorrow for everyone. We invite you to join us at Natchez Educators experience firsthand how we can help you achieve your financial goals while being a part of a caring community. Together, let's build a brighter financial future!

Branch Location & Accessibility

Easy Access and Amenities

Our branch is designed with your convenience in mind. While visiting us at 10 Homochitto St, you'll find ample parking available to ensure a hassle-free experience. We are committed to accessibility for all our members, featuring ADA-compliant facilities that include ramps and easy entryways. We operate with friendly hours to fit your busy schedule: Monday, Wednesday, and Friday from 8:30 a.m. to 4:30 p.m. Whether you're stopping by for personal banking services or seeking assistance with auto loans or credit cards, our team is ready to help during these times.

Get in Touch!

While you can visit us at our physical address, if you need to send official correspondence, please use our mailing address: P.O. Box 774, Natchez, MS 39121. Have questions? Don't hesitate to reach out! You can call us at 601-445-2851. We invite you to stop by and discover how we can support your financial journey. Your satisfaction is important to us at Natchez Educators!

Services Tailored Just for You

At Natchez Educators, we offer a variety of services tailored to meet your financial needs. Our offerings include personal banking with checking and savings accounts, auto loans for your vehicle financing needs, mortgage loans and refinancing options, as well as personal loans for debt consolidation. If you're a business owner, we also provide merchant services and business loans. Although we currently do not have ATM availability or drive-thru banking at this location, our dedicated staff is here to assist you directly inside the branch.

Member Eligibility

Joining the Natchez Educators community is not just about opening a bank account; it's about becoming part of a supportive family that truly cares about your financial well-being. If you live, work, or attend school in Adams County or have a family member who is already a member, you're eligible to join us! We believe in making banking accessible and friendly for everyone, and as a member, you'll enjoy personalized services and competitive rates on loans and savings. To learn more about the eligibility criteria, feel free to check out our detailed information at . Opening an account with us is simple! Just give us a call at (601) 445-2851, and our friendly staff will guide you through the process. We're located at 10 Homochitto St Natchez Ms 39120, where we look forward to welcoming you into our community. Come experience the benefits of being a Natchez Educators member today!

Business Banking & Commercial Services

Business Loans 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. Even if you're not a member yet, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions that can adapt to your needs.

Merchant Services That Simplify Transactions

In today's fast-paced market, efficient payment processing is crucial. Our merchant services offer easy-to-use solutions that allow you to accept payments seamlessly whether online or in-store. Imagine your customers enjoying a smooth checkout experience while you focus on what you do best: running your business. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses right here in Natchez, MS. Come visit us at 10 Homochitto St Natchez Ms 39120 or call us at (601) 445-2851 to learn more about how our business banking and commercial services can support your entrepreneurial journey!

Comprehensive List Of Services

Additional Services

While we may not have ATMs or drive-thru services at this location, our commitment remains strong in providing excellent service during our lobby hours: Monday, Wednesday, and Friday from 8:30 a.m. to 4:30 p.m. If you need assistance or have questions about any of our services, feel free to reach out at 601-445-2851. At Natchez Educators, we're more than just a credit union; we're a community partner dedicated to helping you achieve your financial dreams. Come visit us today or give us a call we're excited to assist you!

Business Banking Services

For our business members, we provide essential business banking services, including merchant services and business loans. Whether you're a startup or an established business, we are here to support your growth with tailored financial solutions.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why Natchez Educators offers online and mobile banking solutions. You can manage your accounts anytime, anywhere check balances, transfer funds, and pay bills all from the comfort of your home or on-the-go.

Loans for Every Need

In addition to auto loans and mortgages, we also offer personal loans and debt consolidation options. Whether you're facing unexpected expenses or looking to simplify your payments by consolidating debt, our team can help you choose the right loan to get back on track financially. Our credit cards with rewards allow you to earn points on everyday purchases, giving you more value from your spending while enjoying the flexibility of credit.

Personal Banking Solutions

We understand that managing your personal finances can be challenging. That's why we offer checking and savings accounts that make banking straightforward and convenient. You can easily keep track of your finances and set aside money for future goals. For those looking to purchase a vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms, making it easier for you to drive away in the car you want without stretching your budget. If you're considering buying a home or refinancing an existing mortgage, our mortgage loans and refinancing services are designed to guide you through the process with ease. We work closely with you to find the best mortgage solution that fits your financial situation.

Digital & Online Banking

Future Enhancements

We understand the importance of person-to-person transfers in today's fast-paced world. While this feature is not yet available at Natchez Educators, we are committed to exploring options that will allow you to send money easily to friends and family. At Natchez Educators, we're dedicated to making banking accessible and user-friendly for everyone. Stay tuned for updates on how we plan to expand our digital offerings, helping you take control of your finances effortlessly!

Mobile Features

While mobile payments and a dedicated mobile application are also not offered yet, we believe that having such features can make banking even more convenient for our members. Imagine being able to make payments or transfer money with just a tap on your phone!

Online Banking Services

With our 24/7 online banking services, you can access your accounts anytime, anywhere. While we currently do not offer an online banking portal at , we are continuously looking for ways to enhance our member experience in the future. You'll be able to check balances, review transactions, and manage your finances with just a few clicks when these services become available.

Security and Accessibility

Security is our top priority. Although electronic signature authorization is not available at this time, we ensure that all transactions are protected through robust measures. You can bank with peace of mind, knowing that your financial information is secure.

Financial Strength

Growing Member Base

Our total share accounts stand at 397, showcasing a strong and growing member base that trusts us with their finances. This trust strengthens our position and allows us to create more opportunities for all members. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Natchez Educators is your trusted partner. Visit us at 10 Homochitto St Natchez Ms 39120 or call (601) 445-2851 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Your savings are secure with us. Although we currently hold no share certificates or money market shares, we focus on creating value for our members through other means. Unlike traditional banks, we prioritize our members' needs. This commitment helps us direct resources toward better loan rates and exclusive perks without relying heavily on non-member deposits.

Operational Efficiency

Our $22,018 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 0 full-time employees and 2 part-time employees ready to assist you with a knowledgeable and committed team.

Reinvestment for Growth

With $629,802 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve you better. Our capacity to provide support is reflected in our $539,456 total loans and leases, as well as our $8 in used auto loans. This demonstrates our commitment to helping you achieve your financial goals across various sectors.

Strong Financial Foundation

With a net worth of $651,820, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $4,911 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 $139,815 in used vehicle loans and $115,492 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, ensuring that you find the right fit for your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. While we currently do not have Junior Lien 1-4 Family Residential Properties loans available, we encourage you to reach out for future opportunities as they arise.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, although currently there are no funds allocated in this category. However, as you plan your financial journey, consider how our services can evolve to meet your needs. If you're interested in refinancing or exploring eligibility options for any of our loan products, feel free to contact us at 601-445-2851. Our dedicated team is here to guide you through the process and ensure you find the best solution for your financial situation. 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 at 10 Homochitto St, Natchez, MS 39120 during our lobby hours on Monday, Wednesday, and Friday from 8:30 a.m. to 4:30 p.m., or give us a call for more information about our loan offerings. Let's work together towards your financial success!

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