American 1 Credit Union Chelsea MI | Affordable Vehicle Loans & ATM Services

Introduction

Welcome to American 1 at Chelsea Us-12, your trusted financial partner located at 12855 E Old Us Highway 12, Chelsea, MI 48118. Established in 1980, our credit union has been dedicated to serving our community with integrity and care. With a strong membership of over 66,000 individuals, we pride ourselves on fostering lasting relationships that empower our members to achieve their financial goals. At American 1, we understand the importance of financial stability. That's why we have accumulated impressive assets totaling $670,242,910 and maintain total deposits of $151,737,150. Our commitment to excellence is further reflected in our net worth of $101,561,233, ensuring that we are well-positioned to support you through various life stages. Whether you're looking for personal banking solutions like checking and savings accounts or need assistance with auto loans and mortgages, we've got you covered. Our array of services also includes business banking options designed to help local enterprises thrive. With 280 dedicated employees, led by our CEO Martha Fuerstenau and Board President Philip Hoffman, we are here to guide you every step of the way. While members can visit us at 12855 E Old Us Highway 12, official correspondence should be sent to our mailing address: 718 E Michigan Ave, Jackson, MI 49201. If you have any questions or need assistance, don't hesitate to reach out at (517) 787-6510 during our convenient operating hours: Monday through Thursday from 9 AM to 5:30 PM, Friday from 8 AM to 6 PM, and Saturday from 9 AM to 2 PM. Join us today at American 1 where your financial journey begins! Visit our website at American 1 for more information or to apply for an account. We look forward to welcoming you into our family!

Branch History & Mission

Our Mission

Our mission is simple yet profound: to provide accessible financial services that empower our members while giving back to the community. We believe that everyone deserves a chance at financial success, which is why we offer a range of services including personal banking, auto loans, mortgage options, and business banking solutions. We also emphasize online and mobile banking features, ensuring that managing your finances is easy and convenient. While members can visit us at 12855 E Old Us Highway 12, official correspondence should be sent to 718 E Michigan Ave, Jackson, MI 49201. Our operating hours are designed to accommodate our community's needs: Monday through Thursday from 9 AM to 5:30 PM, Friday from 8 AM to 6 PM, and Saturday from 9 AM to 2 PM. In addition to traditional banking services like deposits and withdrawals available through our drive-thru and ATM access, we actively engage in partnerships with local organizations to support various initiatives aimed at uplifting those in need. Whether it's through educational programs or community events, we strive to make a positive impact beyond just banking. At American 1, we pride ourselves on being ADA compliant and continuously enhancing our services with digital advancements. Our team is dedicated to creating an inclusive environment where every member feels valued and understood. We invite you to join us at American 1 in Chelsea. Experience firsthand how we can help you achieve your financial dreams while making a difference in our shared community. For more information or to open an account, please visit our website or call us at 517-787-6510. Let's build a brighter financial future together!

Branch Location & Accessibility

Nearby Landmarks and Accessibility

Our Chelsea branch is close to several local landmarks, including the charming downtown area where you can find shops and eateries. With ample parking available, visiting us is hassle-free. We also ensure that our facilities are accessible for everyone; you'll find ramps and ADA-compliant features designed with your convenience in mind.

Operating Hours and Services

At American 1, we understand that your time is valuable. That's why we offer flexible operating hours: from Monday to Thursday, we're open from 9 AM to 5:30 PM; Fridays extend until 6 PM; and on Saturdays, we welcome you from 9 AM to 2 PM. Whether you're interested in opening a checking account, applying for an auto loan, or simply need assistance with your online banking, our friendly staff is here to help. We're proud to offer a variety of services tailored to meet your financial needs. Enjoy the ease of drive-thru banking for quick deposits and withdrawals or take advantage of our ATM availability for convenient cash access. If you have questions about personal loans or credit cards with rewards, feel free to reach out!

Your Invitation to Connect

Ready to experience personalized banking? We invite you to visit us at American 1 in Chelsea or give us a call at 517-787-6510. Let us help you achieve your financial goals!

Member Eligibility

Becoming a member of American 1 is like joining a warm, welcoming family where everyone supports each other's financial journeys. If you live, work, worship, or attend school in the Chelsea area, you're already on the path to membership! We believe in making banking accessible for all, so if you meet any of these simple criteria, we invite you to join us. Plus, members enjoy exclusive benefits like competitive loan rates and personalized service that puts your needs first. For more details on eligibility and to ensure you meet the requirements, feel free to check out our guidelines at . Ready to open an account? It's easy! Just visit us at our branch located at 12855 E Old Us Highway 12 Chelsea Mi 48118, or give us a call at (517) 787-6510 for assistance. You can also start the process online by visiting http://www.american1cu.org/loan-application. Join us today and experience the community spirit of American 1!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine being able to process payments seamlessly while also having access to tools that help manage your sales effectively. Our merchant services offer just that allowing you to accept various payment methods easily and efficiently. This not only enhances customer satisfaction but also helps streamline your operations so you can focus on what matters most growing your business. Located at 12855 E Old Us Highway 12 Chelsea Mi 48118, Chelsea, MI, our team is ready to partner with you in achieving your business goals. For more information or to get started, give us a call at (517) 787-6510!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $5 in commercial loans for our members, helping businesses scale and succeed. - Additionally, 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 $448,081, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

At American 1, we believe in supporting local businesses too. Our business banking services, including merchant services and business loans, cater to entrepreneurs looking to grow their ventures. We know how important it is for small businesses to have reliable financial support.

Convenient Access

Accessibility is key in today's fast-paced world. Our branch offers basic drive-thru banking for deposits, withdrawals, and simple transactions. Plus, with our ATM services available at the branch, you can easily withdraw cash or check balances without stepping inside.

Credit Options and Support

For unexpected expenses or financial emergencies, our personal loans and debt consolidation services can help you regain control over your finances. We also offer credit cards with rewards, allowing you to earn benefits on everyday purchases while managing your spending responsibly.

Get Started Today!

With our commitment to convenience and member satisfaction at the forefront of everything we do, we're here to support you in all your financial endeavors. If you have any questions about our services or want to explore how we can assist you further, don't hesitate to reach out! Call us at 517-787-6510 or visit us online at American 1. Let us help you achieve your financial goals today!

Personal Banking Solutions

We understand that managing personal finances can sometimes feel overwhelming. That's why we offer checking and savings accounts designed to help you save for the future while enjoying easy access to your funds. Imagine being able to effortlessly transfer money, pay bills online, or even check your balance from the comfort of your home through our user-friendly online and mobile banking platforms. If you're considering purchasing a vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms that suit your budget. For those looking to buy a home or refinance an existing mortgage, our mortgage loans come with personalized support to guide you every step of the way.

Digital & Online Banking

Key Features for Your Convenience

With our online banking platform, you can access your accounts from the comfort of your home or on the go. Whether you need to check your balance, transfer funds, or pay bills, everything is just a few clicks away. Our mobile application enhances this experience further, allowing you to manage your finances directly from your smartphone. For those who prefer digital transactions, we offer person-to-person transfers that make sending money to friends and family quick and easy. You can also enjoy mobile payments, which allow you to make purchases directly from your device without reaching for your wallet.

Security and Accessibility

Your safety is our top priority. We provide electronic signature authorization for secure document signing, ensuring that all transactions are protected. Plus, with e-statements available, you can stay organized while reducing paper clutter. Our online banking services are designed with user-friendly features so that everyone can feel comfortable navigating them. You can easily view your account activity in real-time and receive notifications about important updates. In summary, American 1 offers a comprehensive suite of digital banking tools that empower you to take control of your finances securely and conveniently. Explore all these features by visiting us at https://www.american1cu.org/ today!

Financial Strength

Member-Centric Savings

Members' savings are secured through $107,611,241 in share certificates and $63,623,230 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $56,195,133, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 276 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for Your Future

With $89,539,654 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to supporting your financial goals is evident in our lending capacity; with $17,945 in used auto loans and $465,910,355 in total loans and leases, we help you achieve your dreams across various sectors.

Strong Financial Health

With a net worth of $101,561,233, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,504 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trustworthy Partnerships

Net Shares (Funds available for lending and investments): $1,057,731. Total Share and Deposit Accounts: 142,496, 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, American 1 is your trusted partner. Visit us at 12855 E Old Us Highway 12 Chelsea Mi 48118 or call (517) 787-6510 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $276,058,074 in used vehicle loans and $20,153,468 in new vehicle loans already helping members get on the road. We are here to support you whether you're purchasing a brand-new vehicle or a reliable used one.

Business Loans

For business owners, our outstanding commercial loans totaling $448,081 provide the capital needed to grow and expand. We are committed to supporting local businesses as they thrive in our community.

Credit Lines

For those who prefer having access to funds when needed, our credit lines totaling $45,000,000 are designed for convenience and peace of mind. You only pay interest on what you use, making it an efficient way to manage unexpected expenses.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $7,261,561, make buying or refinancing simple. We provide guidance throughout the process, ensuring you feel confident as you make this important investment in your future.

Refinancing Options

If you're considering refinancing any of your existing loans, we're here to help explore options that could lower your monthly payments or reduce your interest rate. Eligibility is straightforward; just reach out to discuss what makes sense for you. You can reach us at (517) 787-6510 for more details about our loan offerings or visit us at 12855 E Old Us Highway 12 Chelsea Mi 48118, Chelsea, MI. Our team is ready to assist you during our operating hours: Monday through Thursday from 9 AM to 5:30 PM, Friday from 8 AM to 6 PM, and Saturday from 9 AM to 2 PM. 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 look forward to helping you take the next step toward achieving your financial goals!

Unsecured Credit Card Loans

Managing day-to-day expenses is easier with our unsecured credit card loans. With a total of $103,573,641 in loans, we help our members maintain financial flexibility while offering rewards that can add extra value to your purchases.

Loan Aggregator

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Real-Time Rate Comparisons

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American 1