Pearl Municipal Credit Union Pearl MS | Convenient ATM Services

Introduction

Welcome to Pearl Municipal Credit Union, your trusted financial partner located at 2420 Old Brandon Rd, Pearl, MS 39208. Since our establishment in 1981, we've dedicated ourselves to serving our community with integrity and care. With a strong membership base of 677 individuals, we take pride in fostering relationships that go beyond transactions. At Pearl Municipal, we understand that managing finances can be overwhelming. That's why we're here to guide you through every step whether you're looking for loans, deposits, or simply financial advice. Our total assets of $1,945,411 reflect our commitment to providing secure and reliable services. With $301,002 in deposits and a net worth of $486,874, we ensure that your funds are in safe hands. Our team, led by CEO Karen Williams and Board President Lanell White, consists of three dedicated employees who are always ready to assist you. We believe that a personal touch can make all the difference when it comes to financial services. We invite you to explore the various offerings available at Pearl Municipal Credit Union. From loans totaling 343 to personalized banking solutions tailored just for you, we strive to meet your unique needs. While members can visit us at our branch for assistance, official correspondence should be directed to our mailing address: 2420 Old Brandon Road, Pearl, MS 39208. If you're ready to take control of your financial future or have any questions, don't hesitate to reach out! Call us at 601-939-3126, and let's start this journey together. Visit our website at pearlcu.com for more information on how we can help you achieve your financial goals.

Branch History & Mission

Looking Ahead

In today's digital world, we are committed to evolving with technology while maintaining the personal touch that sets us apart. Though we currently do not offer ATM services or drive-thru banking, our dedication remains strong in supporting member needs through other channels. As we look toward the future, we invite you to join us at Pearl Municipal Credit Union. Experience firsthand how being part of a member-focused credit union can lead to better financial health and stronger community ties. Together, let's build a brighter future! For more information about our services and how you can become a member, please visit pearlcu.com.

Our Mission

At Pearl Municipal Credit Union, our mission is simple: to serve as a trusted partner in your financial journey. We strive to offer exceptional service while ensuring our products are tailored to meet your specific needs. Our commitment goes beyond transactions; we aim to build lasting relationships based on integrity and transparency. While members can visit us at 2420 Old Brandon Rd Pearl Ms 39208, official correspondence should be sent to 2420 Old Brandon Road, Pearl, MS 39208 if different. We encourage you to reach out via phone at (601) 939-3126 for any inquiries or assistance you may need.

Our Story

Located at 2420 Old Brandon Rd, Pearl, MS 39208, our branch has been a welcoming place for families and individuals looking for reliable banking solutions. Over the years, we have built a rich history characterized by trust and dedication. With total assets reaching an impressive $1,945,411, we continue to enhance the financial well-being of our members through responsible lending and savings options. As we reflect on our journey, it's clear that our mission extends beyond just providing financial services. We aim to empower our members by helping them achieve their dreams whether that's buying a car, saving for education, or planning for retirement. Our focus on community support is evident through various outreach initiatives and partnerships that enrich the lives of those around us.

Branch Location & Accessibility

Connect With Us

While members can visit us at our main branch address, official correspondence should be sent to the same address: 2420 Old Brandon Road, Pearl, MS 39208. We invite you to stop by and experience personalized service tailored just for you. Our friendly team looks forward to helping you achieve your financial goals! Don't hesitate come see us today or give us a call! For more information about our services, visit our website at pearlcu.com.

Easy Access and Parking

Finding us is simple! We're situated near local landmarks that many recognize, which makes navigating to our location even easier. Parking is available right outside our doors, ensuring that you can come in and out with ease. Plus, our branch is designed with accessibility in mind, featuring ramps and ADA-compliant entrances to accommodate everyone.

Operating Hours and Services

While we don't have set hours, we're committed to being here when you need us. Feel free to give us a call at 601-939-3126 for more information or to schedule a visit. At Pearl Municipal Credit Union, we offer ATM services for your convenience. However, please note that we do not currently have drive-thru banking options available.

Member Eligibility

At Pearl Municipal, becoming a member means joining a friendly community that truly cares about your financial well-being. To be eligible for membership, you simply need to live, work, worship, or attend school in the Pearl area. This open-door policy ensures that many people can access our supportive services designed to help you thrive financially. We pride ourselves on providing personalized assistance and a range of financial products tailored just for you. If you're interested in learning more about the specific eligibility requirements, feel free to check out this resource: . Starting your journey with us is straightforward! You can easily open an account by reaching out to us at (601) 939-3126. We're here to guide you every step of the way and answer any questions you might have about becoming part of the Pearl Municipal family. Our branch is located at 2420 Old Brandon Rd Pearl Ms 39208, so feel free to stop by anytime!

Business Banking & Commercial Services

Loan Options for Your Business

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. In addition, 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 Work for You

Imagine having a partner that simplifies your payment processing, allowing you to focus on what matters most running your business. Our merchant services offer practical solutions tailored to your operations. Whether it's accepting payments online or managing transactions seamlessly, we help you enhance customer satisfaction while streamlining your financial processes. Located at 2420 Old Brandon Rd Pearl Ms 39208 in Pearl, MS, our team is ready to assist you in exploring how our business banking solutions can empower your enterprise. Contact us today at (601) 939-3126 to learn more about how we can support your journey!

Comprehensive List Of Services

Banking Services Tailored for You

One of the primary offerings at Pearl Municipal Credit Union is our convenient ATM services. Imagine being out and about in Pearl when you realize you need cash for a quick purchase. With our ATM services, accessing your funds is just a few taps away, making it easy to stay on top of your finances without any hassle. While we focus on essential ATM services, we also understand that many members seek digital options for their banking needs. Though we currently do not offer online banking or mobile applications, rest assured that our team is always ready to assist you in person or over the phone. You can reach us at (601) 939-3126 for any inquiries or support.

Join Us Today!

If you're ready to experience a credit union that truly cares about your financial well-being, visit us at 2420 Old Brandon Rd Pearl Ms 39208 in Pearl, MS. Our friendly staff is eager to assist you with all your banking needs. Remember, whether you're looking for ATM access or have questions about other services, we're just a call away at (601) 939-3126. Join us at Pearl Municipal Credit Union, where community and service come together!

Why Choose Us?

At Pearl Municipal, we strive to create a welcoming environment where our members feel valued and supported. We know that managing finances can sometimes be overwhelming, so our goal is to simplify the process. Whether it's withdrawing cash from an ATM or asking questions about our services, we're here to help every step of the way. We pride ourselves on being part of the Pearl community, offering personalized service that larger banks may overlook. Our commitment extends beyond just providing financial products; it's about building lasting relationships with our members.

Digital & Online Banking

Convenient Online Access

With our online banking service available at https://pearlcu.com/ , you can view your account balances, transfer funds, and manage your transactions without the need to visit a branch. This 24/7 access ensures that you're always in control of your money, whether you're at home or on the go.

Easy Transfers and Payments

Need to send money to a friend? Our person-to-person transfer feature makes it simple. You can quickly send money directly from your account without any hassle. While we currently don't offer mobile payments or a dedicated mobile application, our online platform remains user-friendly and efficient for all your banking needs.

Secure Management

We prioritize your security. Although we do not offer electronic signature authorization at this time, our systems are designed to keep your information safe while you manage your accounts online. With no e-statements available yet, you can still keep track of all transactions through our secure online portal. In summary, Pearl Municipal is committed to providing accessible and straightforward digital banking solutions. Explore more about how you can manage your finances effectively by visiting us at https://pearlcu.com/ !

Financial Strength

A Growing Community

As we look at our member base, it's clear that trust is paramount. We have 559 total share accounts, showing a strong and growing community that chooses Pearl Municipal as their financial partner. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Pearl Municipal is your trusted partner. Visit us at 2420 Old Brandon Rd Pearl Ms 39208 or call (601) 939-3126 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

Our commitment to your financial well-being is reflected in our $429,370 in undivided earnings. This means we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. With $59 in used auto loans and $1,526,447 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Member-Centric Savings

Members' savings are secured through $0 in share certificates and $0 in money market shares, offering stable and rewarding financial growth opportunities. We prioritize our members' interests by ensuring that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is evident with a net income of $30,407, which enables 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 3 part-time employees who are always ready to assist you with knowledgeable service.

Strong Financial Health

With a net worth of $486,874, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $2,503 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 provide some of the lowest rates in the industry. We have already issued over $655,763 in used vehicle loans and $229,645 in new vehicle loans, helping members get on the road efficiently. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, our team is here to assist you with flexible terms that fit your budget.

Mortgage Loans

Thinking about homeownership? At Pearl Municipal, our mortgage options make buying or refinancing simple. Although we currently do not offer Junior Lien Family Property loans, we are committed to guiding you through the process of finding the right mortgage solution for your needs.

Refinancing Options

If you're considering refinancing an existing loan, please ask us about eligibility options. We aim to help our members find the most suitable financial solutions based on their current situations. At Pearl Municipal Credit Union, we prioritize transparency and member satisfaction. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We encourage you to visit our website at pearlcu.com for more information on how we can assist you in achieving your financial dreams.

Unsecured Credit Card Loans

For those looking for flexible spending options, we also offer unsecured credit card loans. While we have not issued any unsecured credit card loans yet, we're exploring ways to support our members' financial flexibility in this area.

Loan Aggregator

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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 ensures that all offers are fair and transparent. By partnering with legitimate financial institutions, LendMesh provides users with verified data that reflects current market conditions.

PEARL MUNICIPAL FEDERAL CREDIT UNION