American 1 Credit Union Clarklake MI | Affordable Auto Loans & Drive-Thru Banking

Introduction

At American 1, we believe in building strong connections with our community and members. Located at 3101 Jefferson Rd, Clarklake, MI 49234, our branch has been a trusted financial partner since 1980. With over 66,000 members and a commitment to delivering exceptional service, we are here to help you achieve your financial goals. As part of the American 1 Credit Union, we manage total assets of approximately $670 million and have successfully provided loans amounting to 54,041. Our members benefit from total deposits exceeding $151 million, showcasing our dedication to fostering a secure and supportive banking environment. Under the leadership of our CEO, Martha Fuerstenau, and Board President, Philip Hoffman, we strive to offer personalized banking solutions tailored to your needs. Our friendly staff of 280 employees is always ready to assist you, whether you're looking for auto loans, mortgages, or business financing. While members can visit us at our branch location, official correspondence should be sent to 718 E Michigan Ave, Jackson, MI 49201. For any inquiries or assistance, feel free to reach out by phone at 517-787-6510. Join us at American 1 today! Explore our services online at American 1 and discover how we can support your journey toward financial success. We look forward to welcoming you!

Branch History & Mission

American 1 has a rich legacy of service and growth in the heart of Clarklake, MI. Since opening its doors in 1980, this credit union has been dedicated to providing exceptional financial services while fostering a strong sense of community. Located at 3101 Jefferson Rd, Clarklake, MI 49234, our branch is easily accessible for all members and visitors. If you need to send us official correspondence, please use our mailing address: 718 E Michigan Ave, Jackson, MI 49201. Over the years, American 1 has evolved significantly. With a total membership of over 66,000 and assets amounting to an impressive $670,242,910, we have grown alongside our community. Our mission is simple yet powerful: to empower our members through affordable financial solutions and unwavering support. We aim to enhance the lives of our members by offering a range of services including personal banking, auto loans, mortgage financing, and business banking. At American 1, we believe that financial health goes hand-in-hand with community well-being. Our commitment extends beyond transactions; we actively engage in outreach programs and partnerships that benefit local organizations and initiatives. This dedication is reflected not only in our financial offerings but also in our efforts to create lasting relationships within the community. To ensure that we meet the needs of our diverse membership base, we provide modern conveniences such as online banking and mobile payment options. Members can access their accounts anytime through our user-friendly digital platforms. We also maintain ADA compliance throughout our facilities, ensuring accessibility for everyone. For those who prefer face-to-face interactions, American 1 offers drive-thru banking services along with extended lobby hours Monday through Thursday from 9 am to 6 pm, Friday until 7 pm, and Saturday from 9 am to 2 pm. Our ATM availability ensures that you can manage your cash needs conveniently. As we continue forward with pride in our history and enthusiasm for what lies ahead, we invite you to join the American 1 family. Experience firsthand how we blend financial expertise with genuine care for our members and community. Together, let's build a brighter future! For more information or to open an account today, visit us at American 1 or call us at (517) 787-6510.

Branch Location & Accessibility

Easy Access and Amenities

At American 1, we prioritize accessibility. Our branch features ADA-compliant facilities to ensure that everyone can comfortably visit us. Ample parking is available right outside our doors, making it hassle-free for you to drop by. Plus, for those who prefer a quicker option, we offer drive-thru banking services for deposits and withdrawals without leaving your vehicle.

Operating Hours That Fit Your Schedule

We understand that life gets busy, so we've designed our operating hours to accommodate your schedule. Our lobby is open Monday through Thursday from 9 AM to 6 PM, Friday from 9 AM to 7 PM, and Saturday from 9 AM to 2 PM. This ensures you have plenty of opportunities to visit us during the week or on weekends.

Services Tailored For You

American 1 offers a range of personal banking services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgages, we are here to help you every step of the way. Additionally, with ATM availability on-site and access to online and mobile banking options, managing your finances has never been easier. Feel free to give us a call at 517-787-6510 if you have any questions or need assistance before your visit. We look forward to welcoming you soon at American 1!

Member Eligibility

At American 1, we believe that everyone deserves a chance to be part of a community that supports their financial well-being. Joining us is simple! If you live, work, worship, or attend school in the local area, you're likely eligible for membership. We welcome individuals from various backgrounds and situations because we understand that each member brings something unique to our community. Plus, being a member means you can enjoy a range of benefits, including competitive rates on loans and personalized financial services tailored just for you. To start your journey with us, visit our branch located at 3101 Jefferson Rd Clarklake Mi 49234 or give us a call at (517) 787-6510. For more detailed eligibility criteria, check out our resource at . Opening an account is easy and can be done online through this link: http://www.american1cu.org/loan-application . We can't wait to welcome you into our family!

Business Banking & Commercial Services

Loan Options for Every Stage of Growth

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. - 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.

Merchant Services That Work for You

In addition to our loan offerings, we provide essential merchant services designed to streamline your operations. Whether you need point-of-sale systems or online payment solutions, we've got you covered. These services not only enhance customer satisfaction but also free up your time so you can focus on what matters most growing your business. Located conveniently at 3101 Jefferson Rd Clarklake Mi 49234 in Clarklake, MI, our team is ready to assist you. Call us today at (517) 787-6510 and let's explore how we can support your business journey together!

Comprehensive List Of Services

ATM and Drive-Thru Access

Need quick cash? Take advantage of our ATM services for easy withdrawals and balance checks without stepping inside. If you're on the go, our drive-thru banking provides a simple way to handle deposits and withdrawals safely from your vehicle.

Business Banking Options

For local business owners, we offer comprehensive business banking services. From merchant services that simplify transactions to business loans that help you expand your operations, we're here to support your entrepreneurial journey.

Call Us Today!

At American 1, we're committed to providing exceptional service with a personal touch. Whether you're interested in opening an account or have questions about any of our offerings, don't hesitate to reach out! Give us a call at (517) 787-6510 or visit us during our operating hours: M-TH 9 am-6 pm, F 9 am-7 pm, and Sat 9 am-2 pm. Join us today and experience banking that puts you first!

Credit Card Solutions

Don't forget about our credit cards with rewards! These cards not only allow you to make everyday purchases but also earn points towards exciting rewards. This makes shopping feel even more rewarding literally!

Digital Banking Features

In today's busy world, convenience is key. That's why we've invested in online and mobile banking solutions that allow you to manage your finances anytime, anywhere. With features like mobile payments, e-statements, and person-to-person payment options, handling your money has never been easier.

Personal Banking Services

Whether you're looking to open a checking or savings account, we've got you covered. Our personal banking options are tailored for everyone, from students starting their first accounts to families looking for more robust savings solutions. You can also explore our competitive auto loans and vehicle financing options that make it easier to hit the road without breaking the bank. If you're dreaming of owning a home, our mortgage loans and refinancing services can guide you through the process, ensuring you understand every step. For those unexpected expenses or plans that require extra cash, our personal loans and debt consolidation services can offer the flexibility and support you need.

Digital & Online Banking

Key Features for Your Convenience

Our online banking service is available 24/7, allowing you to check balances, pay bills, and transfer money whenever you need. Whether you're at home or on the go, managing your finances is just a few clicks away. Plus, our mobile application makes it even simpler to bank on the move. You can deposit checks, make payments, and more all from the palm of your hand. We also offer electronic signature authorization for quick and secure document signing. This means you can handle important paperwork without having to visit a branch. And with e-statements available, you'll have instant access to your financial statements without cluttering your mailbox.

Safe and Easy Transactions

Need to send money to a friend? Our person-to-person transfers let you do just that with ease no need for cash or checks. Additionally, our mobile payments feature allows you to make purchases directly from your smartphone, giving you even more freedom. At American 1, we prioritize your security. Our systems are equipped with advanced protection measures to keep your information safe while you enjoy the benefits of convenient banking. No matter what time it is or where you are, accessing your accounts has never been easier or more secure. Join us at American 1 and experience the future of banking today!

Financial Strength

A Solid Foundation

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.

Commitment to Growth

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 capacity for lending is evident with $17,945 in used auto loans and $465,910,355 in total loans and leases, supporting our members' financial goals across various sectors. Our operational efficiency is reflected in our $0, 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 ready to serve you with a knowledgeable, committed team.

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.

Trust Built on Transparency

Net Shares (Funds available for lending and investments): $1,057,731. Total Share 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 3101 Jefferson Rd Clarklake Mi 49234 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. Whether you're eyeing a brand-new model or a reliable used vehicle, our flexible terms can fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $448,081 provide the capital needed to grow and expand. Whether you need funds for inventory, equipment, or other business expenses, we're here to help you succeed.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $103,573,641 in loans helping members manage their finances effectively. Our credit cards come with competitive rates and benefits tailored to suit your lifestyle.

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 understand that purchasing a home is one of the most significant investments you'll make. Our team is here to support you every step of the way.

Refinancing Options

If you're considering refinancing any of your existing loans, we have options available that could lower your monthly payments or reduce your interest rates. Our team can guide you through eligibility requirements and help you find the best solution for your situation. For more information about our loan offerings or to discuss which option might be right for you, please reach out at (517) 787-6510 or visit us at our branch. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step toward achieving your financial dreams!

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AMERICAN 1 CREDIT UNION - Clarklake, MI