Vicksburg Railroad Credit Union Vicksburg MS | Best Auto Loans & Business Banking

Introduction

Welcome to Vicksburg Railroad Credit Union, your trusted financial partner located at 2101 Cherry St, Vicksburg, MS 39180. Since our establishment in 1934, we have proudly served our community with a commitment to providing exceptional personal banking solutions. With a membership base of over 1,000 members and total assets amounting to $12,178,407, we understand the unique needs of our members and strive to meet them with personalized services. At Vicksburg Railroad Credit Union, we believe in the power of community. Our dedicated team, led by CEO David Bell and Board President Hugh Freeman, Jr., is here to support you with a variety of services ranging from checking and savings accounts to auto loans and mortgages. We currently manage approximately $533,645 in deposits and have issued a total of 547 loans, reflecting our strong commitment to helping our members achieve their financial goals. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: P O Box 802, Vicksburg, MS 39181-0802. Whether you're looking for assistance with personal loans or need guidance on managing your finances, we're here to help. We invite you to explore how we can make banking easier for you. Feel free to reach out at (601) 638-3134 or visit our website at vrcums.com for more information. Your journey toward financial success starts here!

Branch History & Mission

At Vicksburg Railroad Credit Union, we are proud to have a rich legacy that dates back to 1934. Established with the vision of providing financial services to our members, we have grown from humble beginnings into a trusted institution in Vicksburg, MS. Our branch is located at 2101 Cherry St, Vicksburg, MS 39180, a convenient spot that serves as a cornerstone for the community. If you need to send us official correspondence, please use our mailing address: P O Box 802, Vicksburg, MS 39181-0802. Over the years, we have built a strong membership base of over 1,027 individuals who rely on us for their financial needs. With total assets reaching $12,178,407, we continue to demonstrate our commitment to sound financial practices and member satisfaction. Our mission is simple yet profound: to empower our members by providing personalized banking solutions while supporting and uplifting the communities we serve. Our operating hours are designed for your convenience Monday through Friday from 9:00 AM to 5:00 PM. While we currently do not offer ATM services, our drive-thru banking makes it easy for members to handle their transactions efficiently. We understand that accessibility is key; thus, we prioritize ADA compliance and customer-centric initiatives in all aspects of our operations. As part of our mission, we believe in giving back to the community that has supported us for decades. We actively seek partnerships with local organizations and engage in outreach efforts that make a real difference in people's lives. This spirit of collaboration not only strengthens our ties within the community but also enhances the financial well-being of our members. In this digital age, we embrace technology to improve service delivery. Our online banking platform allows members to manage their accounts easily from anywhere at any time. Whether you're checking balances or transferring funds, we've made sure that your banking experience is straightforward and secure. Join us at Vicksburg Railroad Credit Union and discover how we can help you achieve your financial goals. Experience firsthand the personal touch and commitment that sets us apart as more than just a credit union we're your financial partner dedicated to your success! For more information or inquiries, feel free to reach out at 601-638-3134. We look forward to welcoming you into our family!

Branch Location & Accessibility

Accessibility Features

At Vicksburg Railroad Credit Union, we prioritize accessibility for all our members. Our branch is equipped with features that comply with ADA standards, ensuring everyone can access our services comfortably. We offer ample parking space right outside our doors, so you won't have to worry about finding a spot.

Call to Action

We invite you to come by and discover how Vicksburg Railroad Credit Union can help you achieve your financial goals. Whether you're looking for a new checking account or need assistance with a loan, we're here to serve you! Visit us today or give us a call we can't wait to welcome you!

Operating Hours and Services

We're here for you Monday through Friday from 9:00 AM to 5:00 PM. Our friendly staff is ready to assist you with a variety of personal banking services including checking and savings accounts, auto loans, mortgage loans, and even business banking solutions. Plus, enjoy the convenience of our drive-thru service for quick deposits and withdrawals without leaving your vehicle! If you need to reach us, feel free to call us at 601-638-3134. While you can visit us at our Cherry St location, please note that any official correspondence should be sent to P O Box 802, Vicksburg, MS 39181-0802.

Member Eligibility

At Vicksburg Railroad, we believe that everyone deserves the opportunity to be part of a caring community focused on your financial well-being. Becoming a member is simple and welcoming! If you live, work, or worship in our vibrant area or have family members who are already part of our credit union, you're eligible to join us. This means you'll not only gain access to our range of services but also become part of a supportive network that prioritizes your needs. To learn more about the specific eligibility criteria, feel free to check out the details at . Once you're ready to take the next step, opening an account with us is just as straightforward! Our team is here to guide you through the process, ensuring that you feel confident and informed every step of the way. If you have any questions or need assistance, don't hesitate to reach out at (601) 638-3134. Join us at Vicksburg Railroad, located at 2101 Cherry St Vicksburg Ms 39180, and let's work together toward your financial goals!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine a busy restaurant seamlessly handling customer transactions while managing inventory and sales data all in one place. Our services make it easy for you to focus on what you do best: running your business. With the right tools at your fingertips, you can enhance customer experiences and drive sales without the hassle of complicated payment systems. Located at 2101 Cherry St, Vicksburg, MS 39180, our team is ready to partner with you on your journey toward success. Contact us today at 601-638-3134 to learn more about how we can support your business needs!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. Although we currently have no member or non-member commercial loans funded, we are dedicated to providing flexible financing solutions when opportunities arise.

Comprehensive List Of Services

Additional Services

For cash transactions, take advantage of our basic drive-thru banking where deposits and withdrawals can be handled quickly without stepping out of your vehicle. Although we currently do not have ATM services available at this branch, we're committed to providing alternative solutions for your cash withdrawal needs. We invite you to discover all these services and more at Vicksburg Railroad! Feel free to reach out via phone at (601) 638-3134 if you have any questions or want more information about how we can serve you better. Visit us today at 2101 Cherry St Vicksburg Ms 39180 in Vicksburg, MS we look forward to helping you achieve your financial dreams!

Auto Loans & Vehicle Financing

Dreaming of a new car? Our auto loans and vehicle financing options can help turn that dream into reality. Whether you're buying new or used, we provide competitive rates that fit your budget. Imagine driving off in your new vehicle while knowing that you're making smart financial decisions with our assistance.

Business Banking Services

If you're a business owner, we haven't forgotten about you! Our business banking services, including merchant services and business loans, are designed to support your entrepreneurial journey. We know that running a business comes with its own set of challenges, and we're here to help simplify your banking experience.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why at Vicksburg Railroad Credit Union, we offer robust online and mobile banking solutions. Whether you're checking your account balance or transferring funds on the go, our user-friendly platforms allow you to manage your finances anytime, anywhere. Plus, enjoy features like person-to-person payments which make sending money simple!

Credit Cards That Reward You

With our credit cards featuring rewards, you can earn points on everyday purchases. Whether you're shopping for groceries or planning a vacation, your spending can come back to benefit you in exciting ways!

Home Financing Made Easy

For those looking to buy their first home or refinance an existing mortgage, our mortgage loans and refinancing options are here to help. We guide you through the process, ensuring you understand every step along the way. Owning a home is one of life's biggest milestones, and we want to make it as accessible as possible for our members.

Personal Banking Solutions

When it comes to managing your personal finances, we offer various options that cater to different lifestyles. Our checking and savings accounts are perfect for everyday banking needs, allowing you to easily access and manage your money. If you're looking to make a big purchase or need funds for unexpected expenses, consider our personal loans and debt consolidation services. We aim to help you navigate through financial challenges with ease.

Digital & Online Banking

Always Here for You

At Vicksburg Railroad, we believe in offering support when you need it most. That's why our online banking services are available 24/7, allowing you to bank on your schedule. Whether it's day or night, you can trust that your financial needs are just a click away. Explore all that digital banking has to offer with us today! Visit https://www.vrcums.com/ to get started on simplifying your banking experience at Vicksburg Railroad.

Key Features of Our Online Services

With just a few clicks, you can access your accounts anytime through our online banking portal at https://www.vrcums.com/. Enjoy the flexibility of real-time account management and make transactions whenever it suits you. You can also sign important documents digitally thanks to our electronic signature authorization feature, making it faster and easier to complete transactions without needing to visit a branch. We also provide e-statements for your convenience. Say goodbye to paper clutter and access your financial statements securely online whenever you need them. If you're looking for quick ways to send money to friends or family, our person-to-person transfer service makes it simple and fast no need for cash or checks.

Mobile Banking Made Easy

For those who prefer banking on their smartphones, our mobile application is available for download. With this app, you can check balances, pay bills, and transfer funds right from your device. While we currently do not support mobile payments, our other features ensure that managing your finances is still straightforward and efficient.

Financial Strength

Dedicated Team Ready to Serve

We also take pride in having 3 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Together

Total Share Accounts: 1,421, showing a strong and growing member base that trusts us with their finances. This growth reflects the confidence that our community has placed in us over the years. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Vicksburg Railroad is your trusted partner. Visit us at 2101 Cherry St Vicksburg Ms 39180 or call (601) 638-3134 to learn more about how we can help you achieve your financial goals.

Member Savings Secure

Members' savings are secured through $2,415,221 in share certificates, offering stable and rewarding financial growth opportunities. While we currently do not have money market shares, our focus remains on maximizing the benefits for our members.

Prioritizing Our 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.

Reinvesting in You

With $3,788,152 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment to improvement translates into better experiences for all who choose Vicksburg Railroad.

Strong Financial Health

With a net worth of $3,831,622, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $3,146 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Goals

We proudly offer $143 in used auto loans and have extended support through $7,915,516 in total loans and leases. Our lending capacity allows us to assist members across various sectors as they work toward achieving their financial goals. Our operational efficiency is reflected in our $43,470, which empowers us to continue offering competitive loan rates and solid financial products tailored to your needs.

Loan Offering

Additional Services

In addition to our core loan offerings, Vicksburg Railroad provides personal banking services including checking and savings accounts, personal loans for debt consolidation, and business banking solutions. We also facilitate online and mobile banking for added convenience. For those interested in refinancing options or determining eligibility for our various loan products, please feel free to contact us directly. Our team is ready to assist you with any questions you may have regarding our loan offerings. 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 products can support your financial journey today!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $3,309,092 in used vehicle loans and $2,364,425 in new vehicle loans already helping members get on the road. Whether you're looking for a brand-new model or a reliable used vehicle, we've got financing options that can fit your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. While we currently do not have junior lien family property loans available, we're here to guide you through the process and help you explore your options.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. Although we currently do not have any outstanding unsecured credit card loans issued, we're committed to helping our members manage their finances effectively through responsible lending practices.

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