Pearl Municipal Credit Union Pearl MS | Reliable ATM Services Access

Introduction

At Pearl Municipal Credit Union, we believe in the power of community and financial empowerment. Established in 1981, our commitment to serving the residents of Pearl, MS has grown stronger over the years. With a dedicated membership of 677 individuals, we are proud to offer personalized services that cater to the unique needs of our members. Located at 2878 Teasley Dr, Pearl, MS 39208, our branch stands as a trusted financial partner in your neighborhood. While you can visit us here for all your banking needs, please note that we don't have set operating hours; feel free to reach out at 601-259-2347 for assistance. With total assets amounting to an impressive $1,945,411 and total deposits reaching $301,002, Pearl Municipal is not just a credit union; we are a community-focused institution designed to help you achieve your financial goals. Our strong net worth of $486,874 reflects our stability and commitment to providing secure banking solutions. Under the leadership of CEO Karen Williams and Board President Lanell White, our team is dedicated to fostering relationships built on trust and transparency. We understand that every member's journey is different, which is why we tailor our offerings be it loans or savings options to fit your lifestyle. Join us at Pearl Municipal Credit Union where you can experience friendly service and comprehensive financial support. Visit us online at pearlcu.com or give us a call today!

Branch History & Mission

At Pearl Municipal Credit Union, we pride ourselves on a rich history that began in 1981. Established in the heart of Pearl, MS, our credit union has been dedicated to serving the community for over four decades. Located at 2878 Teasley Dr, Pearl, MS 39208, we have grown alongside our members and adapted to meet their needs. With a total membership of 677 and assets totaling $1,945,411, we continue to be a trusted financial partner for many. Our mission is simple yet powerful: to provide exceptional financial services while fostering a sense of community. We understand that banking is about more than just numbers; it's about relationships. At Pearl Municipal Credit Union, our goal is to empower our members through accessible financial solutions that make a positive impact on their lives. We are committed to supporting local initiatives and outreach programs, ensuring that our success translates into benefits for the entire community. As we evolved over the years, we've embraced advancements to better serve you. While we currently do not have set operating hours or ATM services, our focus remains on offering personalized assistance and building lasting relationships with each member who walks through our doors. Though we don't have drive-thru services or shared service centers available at this time, our small but dedicated team is here to assist you with your financial needs. Whether it's saving for a home or planning for retirement, we are committed to providing guidance every step of the way. As part of our commitment to transparency and accessibility, we invite you to reach out with any questions or concerns. You can contact us at 601-259-2347. Join us today and experience the difference that comes from being part of a credit union that truly cares about its members and community! Visit us online at pearlcu.com to learn more about our services and how you can become a member. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to the Pearl Municipal Credit Union, located at 2878 Teasley Dr, Pearl, MS 39208. We are proud to serve our members in the vibrant community of Pearl and the surrounding areas. Our branch is conveniently situated near local landmarks, making it easy for you to stop by and take care of your banking needs. At Pearl Municipal, we understand that accessibility is key. Our branch features ADA-compliant facilities, ensuring everyone can navigate comfortably. While parking is available nearby, we also encourage you to explore our services without hassle. You can reach us at 601-259-2347 for any questions or assistance you may need. Please note that we operate without set hours, allowing us to be flexible in meeting your needs. Our friendly staff is always ready to assist you with various banking services, including ATM services. If you're looking for a community-focused credit union that prioritizes convenience and accessibility, come visit us today! We look forward to welcoming you into our family.

Member Eligibility

Welcome to the Pearl Municipal family! Joining us at Pearl Municipal is not just about opening an account; it's about becoming part of a community that values you and your financial well-being. To become a member, you simply need to meet a few friendly eligibility criteria. We welcome individuals who live, work, or worship in our area, as well as their family members. This inclusive approach ensures that everyone can enjoy the benefits of membership, from lower loan rates to personalized service. If you're ready to take the next step and open an account, the process is straightforward and welcoming. You can find all the details on how to get started by visiting our website at . If you have any questions or need assistance, don't hesitate to reach out to us at (601) 259-2347. We're here to help! Join us at Pearl Municipal, located at 2878 Teasley Dr Pearl Ms 39208, and experience the support and services we offer for your financial journey.

Business Banking & Commercial Services

Business Loan Options

Imagine securing the funds necessary to expand your operations or invest in new technology. Our commercial loan programs can help turn that vision into reality. 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. - 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

In today's fast-paced market, having reliable payment solutions is crucial. Our merchant services simplify transactions, allowing you to focus on what you do best running your business. From accepting payments to managing cash flow, we provide practical tools that enhance your operational efficiency. Located at 2878 Teasley Dr Pearl Ms 39208 in Pearl, MS, we're here to empower local businesses. Let us partner with you as you navigate the exciting landscape of entrepreneurship! For more information, call us at (601) 259-2347 or visit our website at https://pearlcu.com/ .

Comprehensive List Of Services

A Commitment to Convenience

Though we may not have drive-thru options or 24/7 online banking just yet, our commitment remains strong in ensuring that you feel valued as a member. We believe in creating relationships built on trust and transparency, so you can count on us for reliable support whenever you need it. We invite you to join the Pearl Municipal family today! Visit us at 2878 Teasley Dr Pearl Ms 39208 or reach out via phone at (601) 259-2347 for more information about our current services and what's coming next. Your financial journey matters to us, and we're here to help every step of the way!

Banking Services Made Easy

One of the key offerings at Pearl Municipal is our convenient ATM services. We understand that having access to cash is essential, which is why we ensure that our members can easily find an ATM nearby. Imagine being able to withdraw cash quickly when you're out shopping or need to pay for something unexpectedly. This service is designed to help you handle everyday transactions with ease.

Personalized Support and Accessibility

While we currently focus on ATM services, we are committed to expanding our offerings in the future. Our friendly staff is always ready to assist you with any questions you may have about your account or other services. Whether it's through phone support at (601) 259-2347 or in-person visits, we prioritize making your banking experience as smooth as possible.

Digital & Online Banking

Key Features

One of the standout features we offer is person-to-person transfers. This makes sending money to friends or family a breeze no need for cash or checks! Simply log into your account and initiate a transfer in just a few clicks. While we don't have mobile payments or a dedicated mobile application at this time, our online banking service is fully accessible from any device with internet access. You can easily check your balance, pay bills, and review transaction history without any hassle. Our online banking services are available 24/7, which means you can take care of your financial needs whenever it suits you. Whether you're making payments late at night or checking your account on the weekend, we're here for you. At Pearl Municipal, we're committed to providing services that meet the needs of our members. While electronic signature authorization isn't offered yet, we're always looking for ways to enhance your experience. Explore all the possibilities with us today!

Financial Strength

Growing Trust

Total Share Accounts stand at 559, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending amount to $0, reflecting our ability to support your borrowing needs effectively. 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 2878 Teasley Dr Pearl Ms 39208 or call (601) 259-2347 to learn more about how we can help you achieve your financial goals.

Member-Centric Focus

Members' savings are secured through $0 in share certificates and $0 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 $30,407 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 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Your Benefit

With $429,370 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our strong lending capacity is evidenced by $59 in used auto loans and $1,526,447 in total loans and leases, supporting your financial goals across various sectors.

Solid 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 offer some of the lowest rates in the industry, with over $655,763 in used vehicle loans and $229,645 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new model or a reliable used vehicle, our financing options make it easy for you to drive away happy. We also have refinancing options available to help you save even more.

Credit Lines and Unsecured Loans

For those who want flexibility in managing their expenses, we offer unsecured credit card loans totaling $0. This allows our members to handle their day-to-day purchases without worrying about high interest rates or complicated terms. If you're interested in exploring these loan products further or have questions about eligibility, feel free to reach out! You can contact us at 601-259-2347 or visit us at 2878 Teasley Dr Pearl Ms 39208. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. No matter what your financial goals are, Pearl Municipal is here to support you every step of the way.

Mortgage Options

Thinking about homeownership? Our mortgage options make buying or refinancing simple. While we currently do not offer Junior Lien 1-4 Family Residential Properties loans, we encourage you to check back as we are constantly updating our offerings to better serve our members.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate 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 to sourcing ensures that all offers presented are fair and transparent. Each lender's information is verified, giving users confidence in the accuracy of what they see.

PEARL MUNICIPAL FEDERAL CREDIT UNION