Advantage One Southgate MI Credit Union

Introduction

Welcome to Advantage One, your trusted financial partner in Southgate, MI! Located at 13050 Fort St, our branch has been serving the community since 1952. With a commitment to making banking easier for our 17,986 members, we pride ourselves on offering personalized service and a wide array of financial products. At Advantage One, we understand that every member's financial journey is unique. That's why we manage over $256 million in assets and provide loans totaling 18,226 to help you achieve your goals. Whether you're looking to purchase a new car or save for the future, we have solutions tailored just for you. Our total deposits stand at an impressive $17,727,124, reflecting the trust our members place in us. Our leadership team, including CEO Christopher Corkery and Board President Richard Lindemann, is dedicated to fostering a welcoming environment where your financial well-being comes first. With a strong net worth of $26,060,018 and cash reserves of $1,568,230, you can feel secure knowing your money is safe with us. While you can visit us at our Southgate location, all official correspondence should be directed to the same address: 13050 Fort St, Southgate, MI 48195-1101. If you have any questions or need assistance, don't hesitate to give us a call at 734-676-7000. Join us in building a better financial future together! Visit our website at Advantage One to learn more about our services and how we can assist you today!

Branch History & Mission

At Advantage One, we take pride in our rich history and unwavering commitment to the community. Established in 1952, our Southgate branch has been a cornerstone of financial support for local residents for over seven decades. Located at 13050 Fort St, Southgate, MI 48195, we are not just a credit union; we are a family dedicated to helping our members achieve their financial dreams. Over the years, Advantage One has grown significantly. From our humble beginnings, we now proudly serve 17,986 members and manage total assets of $256,109,827. This growth reflects our dedication to providing exceptional service and fostering lasting relationships with our members. Our team is here to assist you with a range of services tailored to meet your needs. Our mission is clear: we strive to provide accessible financial services while making a positive impact in the communities we serve. We focus on empowering individuals through education and support, ensuring that each member feels valued and understood. Whether it's offering competitive loan rates or personalized banking solutions, our goal is to enhance the financial well-being of every person who walks through our doors. While members can visit us at 13050 Fort St, official correspondence should be sent to 13050 Fort St, Southgate, MI 48195-1101 if different from the branch address. Our operating hours reflect our commitment to being available when you need us: Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. At Advantage One, we also understand the importance of technology in today's world. We offer online banking services and mobile payments so you can manage your finances conveniently. Although we do not have ATMs or drive-thru services at this location, our digital options ensure that your banking experience remains smooth and efficient. Community engagement is central to our mission. We actively participate in local events and initiatives that uplift those around us. By partnering with various organizations, we aim to create opportunities for growth and support for everyone in Southgate. Join us at Advantage One where your financial goals become our mission! Experience firsthand how we prioritize your needs while contributing positively to the community. Call us today at 734-676-7000 or visit our website here for more information about becoming a member!

Branch Location & Accessibility

Welcome to Advantage One's Southgate Branch Office, located at 13050 Fort St, Southgate, MI 48195. Our branch is conveniently situated near local landmarks, making it easy for you to visit us while running your errands or enjoying a day out in the community. Whether you're heading to nearby shopping centers or just passing through, we're here to serve your financial needs. At our Southgate location, we prioritize accessibility for all members. You'll find ample parking available, along with features that comply with ADA guidelines to ensure everyone can access our services comfortably. Our friendly staff is always ready to assist you with any questions or transactions you may have. We understand that your time is valuable, which is why we offer convenient operating hours. Visit us Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. Feel free to drop by during these times; we're eager to help you with everything from account inquiries to loan applications. While our branch does not currently offer ATM or drive-thru services, our team is dedicated to providing excellent in-person service. If you need assistance outside of regular hours, don't hesitate to give us a call at 734-676-7000. If you're looking for a community-focused credit union where members come first, look no further! We invite you to visit Advantage One at our Southgate Branch Office and discover how we can help you achieve your financial goals.

Member Eligibility

Joining Advantage One is like becoming part of a caring family that's dedicated to your financial well-being. If you're looking to become a member, it's quite simple! At Advantage One, we welcome anyone who lives, works, or worships in the community, as well as their family members. This means if you have a connection to our area, you're likely eligible to join us at our branch located at 13050 Fort St Southgate Mi 48195. By becoming a member, you gain access to personalized financial services designed with your needs in mind, along with competitive rates and a supportive network. To find out more about the eligibility criteria and ensure you meet all the requirements, check out our detailed guidelines at . If you're ready to take the next step towards membership or have any questions, feel free to give us a call at (734) 676-7000. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services That Matter

Managing transactions smoothly is crucial for any business. That's why our merchant services are designed to streamline your payment processes. Imagine being able to accept payments easily from customers, whether they're shopping online or visiting your store. Our services help you manage sales efficiently so you can focus on what really matters growing your business. At Advantage One, we're more than just a bank; we're your partner in success. Let us help you achieve your business goals today! For inquiries, call us at (734) 676-7000 or visit us during our operating hours.

Supporting Your 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 $66 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.

Comprehensive List Of Services

Conclusion

At Advantage One, we're committed not only to offering comprehensive financial services but also to ensuring that our members feel supported every step of the way. Whether you're managing everyday transactions or planning for future goals, we're here for you in Southgate, MI. Ready to learn more about how we can help? Don't hesitate! Visit us today or give us a call at 734-676-7000 we look forward to serving you!

Digital Banking Features

In addition to traditional banking services, we prioritize digital accessibility to enhance your experience with us. With features like mobile payments and person-to-person transfers, managing your money has never been easier. Imagine being able to send money to a friend or family member instantly through your phone it's just one example of how we're making banking more user-friendly.

Loan Products

When it comes to loans, Advantage One is here to support you in achieving your dreams. While we currently offer ATM Services Only, our commitment extends beyond just cash access. If you're considering a vehicle purchase or need funds for unexpected expenses, our friendly staff can guide you through potential loan options when they become available. We aim to provide competitive rates and flexible terms that suit your budget.

Member Support

We also understand that questions may arise as you navigate your financial journey. Our dedicated team is always ready to assist you by phone at 734-676-7000 during regular operating hours: Monday through Thursday from 9:00 AM to 5:00 PM, Friday until 6:00 PM, and Saturday until 1:00 PM. We strive to create a welcoming environment where all members feel valued and understood.

Personal Banking Services

One of our core offerings includes essential banking services that make managing your finances easier. Whether you're looking to open a new checking or savings account, we ensure that the process is straightforward and tailored to your lifestyle. In today's fast-paced world, convenience is key; that's why we provide online banking options so you can check balances, transfer funds, and pay bills from anywhere at any time.

Digital & Online Banking

Convenient Online Banking Services

With our 24/7 Online Banking service, you can access your accounts around the clock from the comfort of your home or on the go. Simply visit us at https://www.brandforce.com/domain/AdvantageOne.com/ to get started. You can check balances, transfer funds, and even pay bills without stepping foot in a branch.

Easy Transfers and Payments

Need to send money to a friend? Our Person-to-Person Transfers feature makes it simple to send cash without hassle. Just a few taps on your screen and the money is on its way! At Advantage One, we strive to make banking accessible and convenient for everyone. With our digital banking services, managing your finances has never been easier!

On-the-Go Banking with Our Mobile App

Our user-friendly Mobile Application allows you to manage your accounts right from your smartphone. Whether you're out shopping or relaxing at home, you'll have instant access to all your banking needs. And if you're into mobile payments, our Mobile Payments Feature lets you make purchases quickly and securely using just your device.

Secure Transactions Made Simple

Security is our top priority. Enjoy peace of mind knowing that we provide Electronic Signature Authorization, making it easier for you to sign documents securely online. Plus, with E-Statements, you can go paperless and keep track of your finances without clutter.

Financial Strength

At Advantage One, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share insights into our financial strength, demonstrating our commitment to serving you reliably. With a net worth of $26,060,018, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.16% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $59,124,297 in share certificates and $11,482,238 in money market shares, offering stable and rewarding financial growth opportunities. 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. With $25,560,164 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $40,095,000 in used auto loans and $194,327,996 in total loans and leases. Our operational efficiency is highlighted by a net income of $0, which allows us to keep offering competitive loan rates and solid financial products for our members. We also take pride in having 58 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Net Shares (Funds available for lending and investments): $70,872. Total Share and Deposit Accounts: 32,041, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Advantage One is your trusted partner. Visit us at 13050 Fort St Southgate MI 48195 or call 734-676-7000 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We currently have over $68,678,517 in used vehicle loans and $11,644,010 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new model or a reliable used vehicle, our financing options make it easier for you to drive away with confidence.

Credit Lines and Refinancing Options

For those looking for more flexibility, we provide credit lines up to $34,150,000. This option allows you to borrow as needed and pay interest only on what you use. If you're considering refinancing existing loans for better rates or terms, our team is here to discuss eligibility options that might save you money in the long run. We are committed to serving our community by providing accessible financial solutions at competitive rates. Our branch is located at 13050 Fort St Southgate Mi 48195, and we're just a phone call away at 734-676-7000 if you have any questions or need assistance. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to help you take the next step towards achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $22,277,884, make buying or refinancing simple. We can guide you through every step of the process and help you secure competitive rates that fit your budget.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $13,869,778 in loans helping members manage their finances effectively. Our credit cards come with benefits designed to ease your financial journey while giving you access to cash when you need it most.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures 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 rigorous sourcing process ensures that every loan offer you see is fair and transparent.

Advantage One