AAC Credit Union Spring Lake MI | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Aac, your trusted partner in financial growth since 1937. Located at 17228 Van Wagoner Rd, Spring Lake, MI 49456, we are proud to serve a vibrant community with a commitment to excellence and member satisfaction. With over 14,837 members and total assets of $191,062,004, we understand the importance of personalized banking solutions tailored to meet your unique needs. At Aac, our financial services are designed to empower you whether you're looking for checking and savings accounts, auto loans, mortgage options, or credit cards with rewards. Our dedicated team is here to guide you through every step of your financial journey. We currently hold $14,316,087 in deposits and have facilitated 8,298 loans to help our members achieve their goals. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address as our branch location: 17228 Van Wagoner Rd, Spring Lake, MI 49456-9702. Under the leadership of CEO Brian Turmell and Board President Thane Barden, our focus remains on building strong relationships within the community. We invite you to experience the Aac difference today! Call us at 616-842-3172 or visit our website at aaccreditunion.org for more information about how we can support your financial journey. Join us as we continue to grow together!

Branch History & Mission

Welcome to Aac, where our roots run deep in the vibrant community of Spring Lake, MI. Established in 1937, we have been proudly serving our members for over eight decades, nurturing financial growth and stability. Our journey began with a handful of dedicated individuals who believed in the power of community banking. Today, we are thrilled to have grown into a trusted institution with a total membership of 14,837 members and total assets reaching an impressive $191,062,004. Located at 17228 Van Wagoner Rd Spring Lake Mi 49456, just a stone's throw away from local landmarks, our branch is easily accessible to all residents. While you can visit us at this address for your banking needs, please note that official correspondence should be sent to our mailing address: 17228 Van Wagoner Rd, Spring Lake, MI 49456-9702. At Aac, our mission is simple yet profound: to empower our members through exceptional financial services while fostering a sense of belonging and support within the community. We strive to provide personalized banking solutions that cater to individual needs, whether it's opening a checking account, securing an auto loan, or exploring mortgage options. Our commitment extends beyond transactions; we actively participate in community outreach initiatives designed to uplift and strengthen the neighborhoods we serve. As technology has evolved, so have we. We embrace digital advancements that enhance your banking experience while ensuring accessibility for everyone. Our ADA-compliant facilities and user-friendly online and mobile banking options make it easy for you to manage your finances on your terms. With 24/7 ATM availability and drive-thru services, convenience is at the heart of what we do. We believe in collaboration as well. Our partnerships with local organizations allow us to give back effectively, supporting various causes and projects that matter most to our community members. Join us on this exciting journey! If you're looking for a credit union that prioritizes your financial well-being and values community spirit, look no further than Aac. Visit us during our operating hours from Monday to Friday, 9 a.m. - 5 p.m., or call us at (616) 842-3172 to learn more about how you can become part of our family. Experience firsthand the benefits of being a member-driven institution where you truly belong!

Branch Location & Accessibility

A Welcoming Atmosphere

While members can visit us at 17228 Van Wagoner Rd, official correspondence should be sent to the same address. Our branch offers shared services with partner credit unions, so if you're a member elsewhere, you can still access many of our services without any issues. Whether you're looking for basic transactions or more specialized assistance, we're here for you.

Convenient Access

Our branch offers ample parking and is fully ADA compliant, ensuring that everyone can access our services without hassle. If you prefer not to come inside, we also have a drive-thru banking option available for quick deposits and withdrawals. Plus, our ATM is ready for use anytime you need cash or want to check your balance without stepping foot inside.

Get In Touch!

If you have questions or need more information about what we offer, don't hesitate to give us a call at 616-842-3172. Our team looks forward to welcoming you into the Aac family and helping you achieve your financial goals!

Operating Hours

We understand that life can be busy! That's why we're open Monday through Friday from 9 a.m. to 5 p.m., giving you plenty of time to visit us after work or during your lunch break. Whether you're stopping by for personal banking services like checking accounts, auto loans, or even mortgage refinancing, our knowledgeable staff is here to assist you every step of the way.

Member Eligibility

At Aac, we believe that everyone deserves a chance to be part of a caring and supportive financial community. Becoming a member is easy and welcoming! If you live, work, or attend school in the local area, you're likely eligible to join us. We're here to offer you personalized service and a range of financial products designed to meet your needs. The benefits of membership include lower loan rates, higher savings returns, and access to exclusive member services that truly make a difference in your financial journey. For more detailed eligibility information, feel free to check out our resource at . Ready to take the next step? Opening an account with us is straightforward and can be done online. Visit our account opening page at https://www.joinmycu.com/115/apply or give us a call at (616) 842-3172 if you have any questions. We're located at 17228 Van Wagoner Rd Spring Lake Mi 49456, and we can't wait to welcome you into the Aac family!

Business Banking & Commercial Services

Financing Options for Growth

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 Made Easy

In addition to loans, our merchant services simplify payment processing, allowing you to focus on what matters most your customers. Imagine seamlessly accepting payments through various channels, whether it's in-store or online. This flexibility enhances customer experience and boosts sales. Visit us at 17228 Van Wagoner Rd Spring Lake Mi 49456 in Spring Lake, MI, or call us at (616) 842-3172 to learn more about how our business banking and commercial services can help your business thrive.

Comprehensive List Of Services

Business Banking Solutions

For entrepreneurs and small business owners, we offer business banking services, including merchant services and business loans. Let us help you grow your business with financial solutions tailored specifically for your needs.

Convenient Access Points

We understand that accessibility matters. That's why we have an ATM available right at our branch location for quick cash withdrawals and balance checks. Our basic drive-thru banking allows for simple transactions like deposits and withdrawals without leaving your car perfect for busy days!

Credit Cards with Benefits

Our credit cards with rewards are an excellent choice for those who want to earn while they spend. Enjoy cash back on purchases or travel rewards that can take you places you've always wanted to visit!

Loans Tailored to Your Needs

When it comes time to finance a new car or consolidate debt, our auto loans and vehicle financing can get you behind the wheel without breaking the bank. If you're thinking about purchasing a home, consider our mortgage loans and refinancing options, which can help make homeownership more attainable. Additionally, we provide personal loans for various needs whether it's funding a special project or managing unexpected expenses.

Personal Banking

For those looking to manage their everyday finances, our personal banking options are perfect for you. We offer checking and savings accounts that make it easy to keep track of your money and save for future goals. Imagine the convenience of accessing your funds anytime with our online and mobile banking services. You can easily check balances, transfer money, or pay bills from wherever you are.

Shared Branch Transactions

If you're a member of another credit union that partners with us, you can also take advantage of our shared branch transactions, making deposits and withdrawals easy no matter where you bank. With all these services available at Aac, we're here to support you in achieving your financial goals. Whether you prefer visiting us in person during our lobby hours from Monday to Friday between 9 a.m. and 5 p.m., or using our digital tools from the comfort of your home, we've got you covered. If you'd like to learn more about any of these services or how we can assist you further, don't hesitate to reach out! Give us a call at (616) 842-3172 or visit our website at Spring Lake Branch today!

Digital & Online Banking

Key Features

Managing your money has never been easier. Our mobile payments feature allows you to make quick and secure transactions directly from your smartphone. Whether you're splitting a dinner bill with friends through our person-to-person transfers or paying for groceries, you'll find it simple and efficient. We also offer e-statements to help you keep track of your finances without the clutter of paper statements. Not only does this save trees, but it also makes accessing your account history quick and hassle-free. And for those who prefer added convenience, electronic signature authorization will soon be available, making signing documents faster than ever.

Security and Ease of Use

Your security is our top priority. Our online banking services are designed with the latest encryption technology to protect your personal information while ensuring a user-friendly experience. You can manage your accounts in real time, giving you peace of mind that you're always in control. At Aac, we are committed to providing accessible financial solutions tailored to fit your lifestyle. Explore all that our digital banking services have to offer today!

Financial Strength

Commitment to Operational Efficiency

Our operational efficiency shines through with a net income of $1,628,021, allowing us to continue offering competitive loan rates and solid financial products for our members. We pride ourselves on having a dedicated team of 36 full-time employees and 7 part-time employees, ensuring that we are always ready to assist you.

Growing Member Base

As of now, we have a total of 31,800 share accounts, demonstrating a strong and growing member base that trusts us with their finances. This growth further supports our mission to provide exceptional services tailored to your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Aac is your trusted partner. Visit us at 17228 Van Wagoner Rd Spring Lake Mi 49456 or call (616) 842-3172 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Members' Savings Secured

Your savings are secure with us. We have $59,098,580 in share certificates and $15,056,737 in money market shares, both of which offer stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members first. With non-member deposits at $250,000, our focus remains on providing you with better loan rates and exclusive perks.

Reinvestment for Better Services

We believe in reinvesting back into our community. With $43,107,708 in undivided earnings, we can enhance our banking tools, lending options, and security measures to serve you better. Our capacity to support your financial goals is also reflected in the $2,402 in used auto loans and $125,764,928 across total loans and leases.

Strong Financial Position

With a net worth of $45,151,214, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation is further highlighted by our net worth ratio of $2,358, which demonstrates our ability to provide loans and competitive savings rates 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 $31,204,985 in used vehicle loans and $7,307,432 in new vehicle loans already helping members get on the road. Whether you're eyeing a reliable used vehicle or a fresh-off-the-lot new model, our financing options can make it happen.

Credit Lines and Unsecured Credit Cards

For those who prefer flexibility, we provide total credit lines amounting to $23,000,000, allowing you to access funds as needed for unexpected expenses or planned purchases. We also offer flexible terms on unsecured credit card loans, with a total of $5,465,150 in loans helping members manage their finances effectively. If you're considering refinancing any existing loans or want to check your eligibility for one of our offerings, please don't hesitate to reach out. Our team at Aac, located at 17228 Van Wagoner Rd Spring Lake Mi 49456, Spring Lake, MI MI, is ready to assist you. You can give us a call at (616) 842-3172 during our operating hours from Monday to Friday, 9 a.m. - 5 p.m. We are committed to supporting your financial needs with tailored solutions that fit your lifestyle.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $14,814,601, make buying or refinancing simple. We're here to guide you through every step of the mortgage process so you can feel confident in your investment.

Loan Aggregator

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 ensures that users receive fair and transparent offers tailored to their needs. Each loan option presented is backed by legitimate financial institutions, which helps build trust in the information provided.

Key Benefits of Using LendMesh

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