At a glance
From its website, read 2 Nov 2026Members Exchange Federal Credit Union is a credit union based in Ridgeland, Mississippi. Its website describes auto loans, commercial real estate loans, equipment loans and 3 other loan types. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (601) 922-3350 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.mecuanywhere.com |
| Office (official list) | 107 Marketridge Drive, Ridgeland, MS 39157 |
What their website says about applying
Applying for a business loan is simple. Complete these three forms below and someone from our Business Dept will contact you:
sourceSchedule an appointment with one of our expert Business Lenders by filling out the form below.
sourceapply for an auto loan from Members Exchange. With pre-approved financing in hand, you can shop for a new or used vehicle with confidence!
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | 2.99%-8.49% | source |
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | 5.99%-8.49% | source |
| Personal / consumer loans | Rate stated, not as an APR: see their wording | 10.49 – 16.49% | source |
| Personal / consumer loans | Rate stated, not as an APR: see their wording | 11.99 – 18.00% | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 1 Jul 2026 |
| RSSD ID | 513498 |
| Address | 107 Marketridge Drive, Ridgeland, MS 39157 Directions (Google Maps) |
| Website | www.mecuanywhere.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. The pages do not state a service area or loan amount ranges. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | apply for an auto loan from Members Exchange | source |
| Commercial real estate loans | — | Commercial Real Estate and Investment Property Loans | source |
| Equipment loans | — | Heavy Equipment and Office Equipment | source |
| Personal / consumer loans | — | Unsecured Personal Loan | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | MEFCU is an SBA Participating Lender | source |
| Small-business loans | — | we offer a variety of business loans and services to support your business needs. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Online application available
source
Pages read (7)
- https://www.mecuanywhere.com/
- https://www.mecuanywhere.com/loans/rates/auto-loan-rates/
- https://www.mecuanywhere.com/loans/rates/personal-loan-rates/
- https://www.mecuanywhere.com/loans/rates/recreational-vehicle-loan-rates/
- https://www.mecuanywhere.com/loans/rates/
- https://www.mecuanywhere.com/business/loans/
- https://www.mecuanywhere.com/loans/auto-loans/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and personal loans?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your commercial real estate loans and equipment loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as MEMBERS EXCHANGE (charter 24952). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $143.6 million (as of 30 Jun 2026) |
|---|---|
| Members | 11,662 (as of 30 Jun 2026) |
| Offices | 3 (as of 30 Jun 2026) |
Offices by state and county (3)
Mississippi (3 offices)
- Hinds County (1): 5640 I 55 S, Byram 39272
- Madison County (1): 107 Marketridge Dr, Ridgeland 39157 (main office)
- Rankin County (1): 101 Metroplex Blvd, Pearl 39208
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Members Exchange Federal Credit Union (NCUA charter 24952, filed as “MEMBERS EXCHANGE”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $64.5 million, 15,162 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 2.1% from $63.2 million on 30 Jun 2025 |
| Members | 11,662 (as of 30 Jun 2026); 12,291 (as of 30 Jun 2025) |
| Loans per member | $5,528 (total loans divided by members, 30 Jun 2026) |
| Total assets | $143.6 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $8 million | 12.5% |
| Used vehicle loans | $21.1 million | 32.7% |
| First-lien home mortgages (1-4 family) | $2.6 million | 4.1% |
| Other real estate loans (junior liens, other) | $3.9 million | 6.0% |
| Commercial (business) loans | $9.9 million | 15.3% |
| Credit cards | $1.1 million | 1.7% |
| Other unsecured loans | $6.5 million | 10.1% |
| Leases and other secured loans | $11.5 million | 17.8% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $143.6 million | Larger than 50% of the 6 other certified credit unions in Mississippi (median $139.9 million). |
| Loans as a share of assets | 45% | Median of the same 6 credit unions: 67%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $63.2 million → $64.5 million (+2%) | Median change of 6 other certified credit unions in Mississippi: +2%. Rank by loans held among these 7: 4 → 5. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Mississippi | 6 | larger than 50% |
| Loans held then vs now | certified credit unions in Mississippi reporting both dates | 6 | rank 4 → 5 of 7 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Ridgeland and Mississippi
- BancPlus CorporationBank holding company · Ridgeland, MSOfficial list only
- BANK OF BROOKHAVENBank or thrift · Brookhaven, MSAuto / vehicle loans, Home repair / improvement loans, Home mortgages, Small-business loansVerified
- BANKPLUSBank or thrift · Belzoni, MSCredit-builder loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
- Bancorp Of Okolona, INcBank holding company · Okolona, MSVerified
- Bank of AnguillaBank or thrift · Anguilla, MSAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Bank of CommerceBank or thrift · Greenwood, MSAgriculture / farm loans, Auto / vehicle loans, Credit-builder loans, Home repair / improvement loans…Verified
Work at Members Exchange Federal Credit Union? Link to this page
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