Business Details
Trusted Financial Services in Winston-Salem, NC
Members Credit Union has been dedicated to empowering its members through personalized financial solutions since its inception. Our mission is to serve as a trusted financial partner, enabling members to focus less on finances and more on what truly matters in their lives. With a diverse range of deposit products, including checking, savings, and certificate accounts, we prioritize accessibility and affordability, offering features like free online banking, mobile apps, and thousands of ATMs across North Carolina. Our loan portfolio caters to diverse needs, from auto financing and home improvement loans to debt consolidation and credit-building options, all supported by competitive rates and flexible terms. We extend our commitment to financial well-being through insurance products, investment planning services, and educational resources, ensuring members have the tools to protect their families and assets.Backed by federal insurance and a network of over 5,400 shared branches nationwide, we combine local expertise with nationwide convenience. Our team emphasizes transparency, with no hidden fees and clear terms, while innovative solutions like the MemCU CardNav app provide real-time control over accounts. Through community initiatives and partnerships, we strive to make a positive impact, exemplified by programs like our annual charity fundraising events. Whether you're managing daily transactions, planning for retirement, or seeking to improve your home, Members Credit Union delivers reliable, member-centric services designed to foster long-term financial success.
Services
Checking Accounts
Savings Accounts
Auto Loans
Home Improvement Loans
Investment Planning
Insurance Products
Online Banking
Mobile App Services
Credit Cards
Financial Education
Highlights and features
- We offer 24/7 online and mobile banking with real-time account control via the MemCU CardNav app.
- Our federally insured deposit products include no-minimum savings accounts and free checking benefits.
- We provide debt consolidation loans with terms up to 15 years and auto financing up to 125% of MSRP.
- Our investment services partner with LPL Financial to deliver retirement and estate planning expertise.
- We support local communities through initiatives like our annual Children's Cancer Partners charity program.
Associations and certifications
- NCUA
Services
Auto Loan
Members Credit Union offers competitive auto loans for new and used vehicles with fixed rates starting at 3.99% APR. Terms extend up to 84 months, allowing borrowers to finance up to 125% of the MSRP. Our streamlined application process provides instant offers without impacting credit scores, making it easier to secure financing for your next vehicle purchase.
Home Improvement Loan
Our unsecured home improvement loans feature rates starting at 4.99% APR with terms up to 15 years. Designed for projects like kitchen remodels or HVAC upgrades, these loans allow members to borrow up to $30,000. Funds can be used for contractor payments, materials, or emergency repairs, with flexible repayment options tailored to individual budgets.
Investment Planning
Through our partnership with LPL Financial, we provide comprehensive investment services including retirement planning, estate conservation, and mutual fund options. Certified professionals offer personalized consultations to develop strategies aligned with financial goals. Services cover risk assessment, portfolio diversification, and long-term wealth-building approaches for individuals at all experience levels.
Checking Account
Our no-minimum checking accounts include free Visa debit cards, mobile banking, and nationwide ATM access. Members enjoy features like free online bill pay, direct deposit, and overdraft protection options. Specialized accounts cater to youth, seniors, and those seeking financial education, with all accounts insured by the NCUA up to $250,000.
Debt Consolidation Loan
Fixed-rate debt consolidation loans at 5.24% APR help members simplify payments by combining multiple high-interest debts into one affordable monthly payment. Available up to $30,000 with terms up to 180 months, these loans reduce financial stress while improving cash flow through predictable repayment schedules.
Questions
What loan options are available for first-time car buyers?
We offer auto loans with fixed rates starting at 3.99% APR for terms up to 84 months, including financing up to 125% of MSRP for qualified members.
How can I access my account after hours?
Our 24/7 online and mobile banking platforms allow real-time account access, transaction monitoring, and bill payments from any device.
What investment services do you provide?
Through LPL Financial, we offer retirement planning, estate conservation, mutual funds, and personalized investment strategies with certified professionals.
Are there special accounts for teenagers?
Yes, we offer youth checking accounts with no minimum balance for ages 13-20, featuring free mobile banking and parental joint ownership until age 18.
How do I report a lost debit card?
Call our 24-hour lost card hotline at (888)-241-2510 for immediate assistance and card replacement services.
What home improvement financing options exist?
Our unsecured home improvement loans start at 4.99% APR with terms up to 15 years and loan amounts up to $30,000 for qualified applicants.
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