Your Hometown Credit Union Mayfield KY | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Your Hometown Federal Credit Union, where community and financial well-being come together. Located at 2338 State Route 45 N, Mayfield, KY 42066, we have been proudly serving our members since 1965. With a strong commitment to providing personalized financial solutions, we currently support over 2,500 members with a robust asset base of $27,335,018. At Your Hometown Federal Credit Union, we believe in the power of relationships. Our dedicated team of 6 employees, led by CEO Mark Spillman and Board President Denny Foy, is here to ensure you receive the best possible service. Whether you're looking for checking and savings accounts, auto loans, or business banking services, our diverse offerings cater to all your financial needs. Our total deposits stand at an impressive $2,888,280, reflecting the trust our members place in us. We take pride in being a stable financial partner with a net worth of $2,646,593 and cash on hand amounting to $330,769. This solid foundation allows us to provide competitive loans currently totaling 937 loans and leases to help you achieve your goals. While members can visit us at our branch location, official correspondence should be sent to the same address: 2338 State Route 45 N, Mayfield, KY 42066. We invite you to explore how we can support your financial journey. Feel free to give us a call at 270-247-6458 or visit our website at yourhometownfcu.org for more information. Join us today and experience the difference that comes from being part of a member-focused credit union!

Branch History & Mission

Join Us!

As we look ahead to the future, we invite you to be part of our growing family at Your Hometown Federal Credit Union. Experience firsthand the benefits of being a member personalized service tailored to your unique needs and a commitment that goes beyond banking. Visit us today or reach out at 270-247-6458 to learn how you can join our movement towards better financial well-being!

Our Mission

At Your Hometown Federal Credit Union, our mission is clear: We strive to empower every member by providing quality financial products paired with exceptional service. We believe in supporting our community beyond just financial transactions. Through various outreach programs and partnerships with local organizations, we aim to uplift those around us and make a positive impact in Mayfield. Whether you're looking for checking accounts or need assistance with debt consolidation, we're here to guide you every step of the way. Our dedicated team is committed to ensuring your experience with us is beneficial and rewarding.

Our Story

Nestled at 2338 State Route 45 N, Mayfield, KY 42066, Your Hometown is more than just a credit union; it's part of the fabric of this vibrant community. From our early days, we have focused on creating strong relationships with our members and adapting to their needs. With the introduction of services like personal banking, auto loans, mortgage refinancing, and business banking solutions, we have made it easier for individuals and families in Graves County to thrive financially. As we evolved, so did our facilities and offerings. We understand that convenience matters. That's why we offer drive-thru banking for easy access to deposits and withdrawals during busy days. While we currently do not have ATM services available at this location, we ensure that our online and mobile banking options are user-friendly and efficient.

Branch Location & Accessibility

Convenient Access and Features

Our branch is not only easy to find but also offers plenty of parking for our members. If you're traveling by car, you'll appreciate our accessible drive-thru service that allows you to complete transactions without leaving your vehicle. For those who may need assistance, we have features in place to ensure everyone can comfortably access our services.

Get in Touch!

Have questions? Feel free to give us a call at 270-247-6458. Our team is eager to help you with all your banking needs! We invite you to visit us soon and experience the personalized service that sets Your Hometown Federal Credit Union apart.

Operating Hours Tailored for You

We understand that life can be busy, which is why we're here for you Monday through Thursday from 7:30 AM to 3:15 PM and on Fridays until 6:00 PM. Whether you're stopping by during lunch or after work, we're ready to assist you.

Services That Meet Your Needs

At Your Hometown Federal Credit Union, we offer a range of services tailored just for you, including checking and savings accounts, auto loans, mortgage options, and personal loans. Our drive-thru is perfect for quick deposits or withdrawals and other simple transactions. While we currently do not have ATM services available at this location, our friendly staff is always on hand to help with any questions or transactions you might need. If you need to send official correspondence, please note that while members can visit us at our physical address, mail should be directed to the same address: 2338 State Route 45 N, Mayfield, KY 42066.

Member Eligibility

At Your Hometown, we believe that everyone deserves a place in our community, and becoming a member is your gateway to a world of financial support and opportunities. If you live, work, worship, or attend school in the area around 2338 State Route 45 N Mayfield Ky 42066, you're already on your way to joining us! Our doors are open to individuals from all walks of life, ensuring that you can access tailored services designed just for you. By becoming a member, you'll enjoy competitive rates on loans, personalized service from our friendly team, and access to a variety of banking products that can help you achieve your financial goals. Ready to take the next step? Opening an account is simple and welcoming. You can find all the details on how to join us at . If you have any questions or need assistance, feel free to give us a call at (270) 247-6458. We can't wait to welcome you into the Your Hometown family!

Business Banking & Commercial Services

Commercial Loan Options

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

Imagine having a reliable partner that helps streamline your payment processes. Our merchant services make it easy for you to accept payments from customers seamlessly. From point-of-sale systems to online payment processing, we provide the tools necessary to enhance your business operations, allowing you to focus on what you do best growing your business. If you're located in or around Mayfield, KY, visit us at 2338 State Route 45 N Mayfield Ky 42066 or call us at (270) 247-6458 to learn more about how we can support your business goals today!

Comprehensive List Of Services

Business Banking Tailored for You

For our entrepreneurial members, we haven't forgotten about you! Our business banking services include merchant services and business loans designed to help you grow and manage your enterprise efficiently. With us by your side, you can focus on what matters most building your business.

Convenient Access Anytime

We know convenience is key in today's fast-paced world. That's why we've invested in robust online and mobile banking services that allow you to manage your finances anytime, anywhere. Whether you're making deposits or withdrawing cash, our basic drive-thru banking ensures quick access to essential transactions without the hassle. If you have any questions or need assistance, feel free to reach out at (270) 247-6458 during our operating hours: Monday through Thursday from 7:30 AM to 3:15 PM and Friday until 6:00 PM. At Your Hometown Federal Credit Union, we're committed to being more than just a financial institution; we aim to be a trusted partner in achieving your financial goals. Join us today and experience the difference personalized service makes!

Personal Banking Solutions

When it comes to personal banking, we offer checking and savings accounts that fit various lifestyles. Whether you're saving for a dream vacation or managing everyday expenses, our accounts come with features that make banking easier. Imagine having the ability to check your balance or transfer funds from the comfort of your home through our online and mobile banking platforms. In addition, if you're considering buying a new car, our auto loans and vehicle financing options can help make that dream a reality. Our competitive rates ensure that you can drive away without breaking the bank. And if homeownership is on your radar, our mortgage loans and refinancing options provide flexible solutions tailored to your situation.

Support for Life's Financial Challenges

Life can sometimes throw unexpected challenges your way, which is why we also offer personal loans and debt consolidation services. Whether it's funding an important purchase or consolidating debt for simpler management, we're here to help you navigate those tricky waters. And let's not forget about rewards! With our credit cards offering rewards programs, you can earn points on your everyday purchases. This means more value for your spending think of it as getting rewarded just for living life!

Digital & Online Banking

Key Features of Our Digital Banking Services

With our online banking services, you can check your account balances, transfer funds, and pay bills all from the comfort of your own home. Our user-friendly interface makes it simple to navigate through your financial information. You can enjoy real-time account management without any hassle. While we currently do not offer electronic signature authorization or e-statements, our mobile application is available for download, making it easy for you to manage your accounts right from your smartphone. Plus, we're excited to share that you can utilize mobile payments soon! For those who enjoy sending money to friends and family, we do not currently support person-to-person transfers; however, we are committed to enhancing our offerings in the future.

Security You Can Trust

Your security is our top priority. We employ robust measures to protect your personal information while using our online banking services. You can feel confident knowing that your data is safe as you handle your banking needs digitally. At Your Hometown, we're dedicated to providing accessible and easy-to-use digital banking options tailored just for you. With our commitment to improving member experiences, we're here to help you stay connected with your finances anytime, anywhere. Explore all that we have to offer by visiting us at https://www.yourhometownfcu.org/ today!

Financial Strength

Committed Team

We also take pride in having 5 full-time employees and 1 part-time employees who are always ready to serve you with a knowledgeable, committed team. Their dedication ensures that you receive personalized service every time you visit us.

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Your Hometown is your trusted partner. Visit us at 2338 State Route 45 N Mayfield Ky 42066 or call (270) 247-6458 to learn more about how we can help you achieve your financial goals.

Focused on You

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 Financial Health

With a net worth of $2,646,593, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $968 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvestment for Growth

With $2,451,107 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This strategy allows us to continually improve our offerings while ensuring your funds are managed wisely.

Secure Savings Options

Members' savings are secured through $5,333,412 in share certificates, offering stable and rewarding financial growth opportunities. While we currently do not have money market shares available, our commitment to safeguarding your deposits remains unwavering.

Supporting Your Financial Goals

Our lending capacity supports members' financial goals across various sectors. We proudly offer $445 in used auto loans and have a total of $13,647,563 in loans and leases available to meet your needs. Our operational efficiency is reflected in our $195,486, enabling us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,855,047 in used vehicle loans and $1,090,313 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have options tailored for you.

Credit Lines

We also provide access to credit lines totaling $600,000. This option can be beneficial if you're looking for ongoing access to funds without having to reapply each time you need assistance. If you're considering refinancing any existing loans or want to check eligibility for one of our products, feel free to reach out! Our team is here to assist you through every step of the process. For more information about our loan offerings or to speak with someone directly, please call us at (270) 247-6458 or visit us at our branch located at 2338 State Route 45 N Mayfield Ky 42066 in Mayfield, KY. We're dedicated to providing personalized service that meets your unique financial needs!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $43,788, make buying or refinancing simple. We aim to provide competitive rates and flexible terms to make your home purchase as straightforward as possible.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's where our unsecured credit card loans come into play. With a total of $85,412 in loans helping members manage their finances effectively, our credit cards offer flexibility and convenience for your purchasing needs.

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. With a focus on transparency and reliability, LendMesh is a trusted tool for consumers seeking the best borrowing options. LendMesh ensures 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 commitment to using verified data guarantees that users receive fair and transparent offers. One of the standout features of LendMesh is its dedication to providing verified data. Loan offers are sourced exclusively from legitimate financial institutions, which means you can trust that the information presented is both accurate and reliable. Additionally, LendMesh prioritizes user experience by offering no sponsored listings. Unlike other platforms that may promote lenders based on paid advertisements, LendMesh presents results without bias, ensuring you see the best options available. With real-time rate comparisons, LendMesh keeps you updated with the most current loan rates from multiple institutions. This feature allows users to make informed decisions quickly, without having to sift through outdated information or hidden fees. 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!" If you're ready to explore your options, 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.*

YOUR HOMETOWN FEDERAL CREDIT UNION - Mayfield, KY