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

Introduction

Welcome to American 1, your trusted financial partner located at 3192 W Carleton Rd, Hillsdale, MI 49242. Established in 1980, we have proudly served our community for over four decades, building strong relationships and fostering financial growth for our 66,032 members. With total assets amounting to an impressive $670,242,910, we are dedicated to providing you with the best in personal banking services. At American 1, we understand the importance of being a reliable resource for your financial needs. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing, we have tailored solutions just for you. Our commitment to excellence is reflected in our total deposits of $151,737,150 and a net worth of $101,561,233, ensuring that your money is safe and sound. Under the leadership of our CEO, Martha Fuerstenau, and Board President Philip Hoffman, our team of 280 employees works diligently to support your financial journey. We pride ourselves on offering not only competitive rates but also personalized service that makes each member feel valued. With a total loan portfolio comprising 54,041 loans and leases, we're here to help you achieve your goals whatever they may be. While you can reach us at our branch during operating hours from Monday to Friday between 9 a.m. and 7 p.m., and Saturday from 9 a.m. to 3 p.m., feel free to explore more about us online at American 1 Credit Union. If you have any questions or need assistance, don't hesitate to call us at 517-437-3676. Join us at American 1 as we continue to make a positive impact in Hillsdale and beyond! Your financial future starts here.

Branch History & Mission

Community Commitment

American 1 is deeply committed to making a positive impact in Hillsdale. We regularly partner with local organizations to support various causes and initiatives that uplift our community. Our team is always looking for ways to give back whether through sponsorships or volunteer efforts because we know that a strong community benefits everyone.

Join Us

As we continue this journey together, we invite you to become part of the American 1 family. Experience firsthand how we prioritize your financial well-being and community involvement. Whether you need assistance with personal finances or you're interested in business banking services, we're here for you. Visit us during our operating hours Monday through Friday from 9 a.m. to 7 p.m., and Saturday from 9 a.m. to 3 p.m. or call us at (517) 437-3676 for more information about how you can join and benefit from what American 1 has to offer. Together, let's build a brighter future!

Mission and Values

Our mission is simple yet powerful: we strive to empower our members with the financial resources they need while actively supporting the communities we serve. We believe that when our members succeed, so does the community. That's why we focus not only on providing excellent financial products but also on engaging in outreach initiatives that strengthen local ties. In addition to traditional banking services like checking and savings accounts, auto financing, and credit cards with rewards, we embrace modern technology with online and mobile banking options. This allows us to offer convenient access while ensuring ADA compliance for all members.

Our Journey

Since opening our doors more than four decades ago, American 1 has continually evolved to meet the changing needs of our members. From offering basic savings accounts to now providing a wide range of services including auto loans, mortgages, personal loans, and business banking solutions, our growth reflects our dedication to helping individuals and families achieve their financial goals. With total assets reaching an impressive $670,242,910, we are well-equipped to support our members' aspirations.

Branch Location & Accessibility

Accessibility Features

We prioritize accessibility for all members. Our branch features ADA-compliant entrances and ramps, ensuring that everyone can visit us without hassle. Ample parking is available right outside our doors, so you won't have to worry about finding a spot when you arrive.

Call to Action

If you have any questions or want to learn more about what we offer, don't hesitate to give us a call at 517-437-3676 or come visit us today! We look forward to welcoming you into the American 1 family at our Hillsdale branch!

Nearby Landmarks

Located just a short drive from downtown Hillsdale, we're close to familiar sites like the Hillsdale College and the scenic Baw Beese Lake. This prime location means you can easily stop by while running errands or enjoying a day out.

Operating Hours

We're here for you during convenient hours! Visit us Monday through Friday from 9 a.m. to 7 p.m., and Saturdays from 9 a.m. to 3 p.m. Our friendly staff is ready to assist you with anything you need within those hours.

Services Offered

At American 1, we offer a variety of services tailored to meet your needs, including checking and savings accounts, auto loans, mortgage options, and credit card rewards programs. Plus, with our ATM availability and drive-thru banking service, managing your finances has never been easier.

Member Eligibility

Joining American 1 is like becoming part of a caring community that prioritizes your financial well-being. To become a member, you'll need to meet certain eligibility criteria, which are designed to keep our community strong and supportive. If you live, work, worship, or attend school in the Hillsdale area, you're likely eligible! This makes it easy for local residents to access our wide range of services while enjoying personalized support. For more specific details on eligibility, feel free to check out this resource. Opening an account with us is a straightforward process that welcomes everyone. You can start by visiting us at 3192 W Carleton Rd Hillsdale Mi 49242, where our friendly staff will assist you every step of the way. If you prefer to get things done from home, you can easily open an account online through this link. Should you have any questions or need assistance, don't hesitate to call us at (517) 437-3676. We're here to help you take that first step toward joining our wonderful community!

Business Banking & Commercial Services

Practical Merchant Services

Beyond loans, we offer practical merchant services that simplify payment processing for your business. Imagine your customers making purchases effortlessly while you enjoy faster cash flow. Our solutions help streamline transactions so you can focus on what matters growing your business. Visit us at 3192 W Carleton Rd Hillsdale Mi 49242 in Hillsdale, MI or call us at (517) 437-3676 to learn how we can support your business journey!

Tailored Loan Options for Growth

Imagine being able to expand your operations or invest in new equipment without the stress of financial constraints. 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. - 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 Solutions

For local entrepreneurs, we provide comprehensive business banking services including merchant services and business loans. We understand the challenges of running a business, and we're here to support your growth with tailored financial products.

Convenient Access Anytime, Anywhere

Our branch features an ATM for easy cash withdrawals and balance checks, along with basic drive-thru banking for quick deposits and withdrawals. You can count on us to be there when you need us most, with operating hours from Monday through Friday 9 a.m. - 7 p.m., and Saturday 9 a.m. - 3 p.m. At American 1, we believe that managing your finances should be straightforward and stress-free. If you're ready to experience the difference in personalized service and community-focused banking, don't hesitate! Call us at 517-437-3676 or visit our website at www.american1cu.org today to learn more about how we can assist you on your financial journey!

Credit That Works for You

With our credit cards featuring rewards, every purchase can bring you closer to exciting benefits. Whether you're shopping for groceries or planning a vacation, our credit card rewards program is here to make your spending work for you.

Financing Your Dreams

Thinking about purchasing a new car? Our auto loans and vehicle financing options are designed with competitive rates to help you get behind the wheel without breaking the bank. For those looking to buy a home or refinance an existing mortgage, our mortgage loans come with flexible terms that can fit your budget. We also offer personal loans and debt consolidation options for when life throws unexpected expenses your way.

Personal Banking Made Easy

When it comes to personal banking, we understand that everyone has unique requirements. That's why we offer checking and savings accounts tailored to help you save and manage your day-to-day expenses. Imagine effortlessly keeping track of your spending through our user-friendly online and mobile banking platforms. Whether it's checking your balance or transferring funds, everything is just a few taps away.

Digital & Online Banking

At American 1, we understand that managing your finances should be as easy and secure as possible. That's why we offer a range of digital and online banking services designed to fit your lifestyle. Whether you're at home, on the go, or anywhere in between, our online banking solutions provide you with the convenience you need to stay in control of your money. With our comprehensive online banking platform available at https://www.american1cu.org/, you can access your accounts anytime, anywhere. You'll enjoy features like 24/7 account access, allowing you to check balances, make transfers, and pay bills at your convenience. Plus, with electronic signature authorization, signing important documents has never been simpler or more secure. For those who prefer to go paperless, our e-statements feature allows you to receive your account statements electronically. This not only helps you stay organized but also reduces clutter and is better for the environment. If you're always on the move, our mobile application lets you manage your finances right from your smartphone. You can view transactions, deposit checks, and even set up mobile payments for quick and easy purchases. Sending money to friends or family is hassle-free with our person-to-person transfer option. Just a few taps on your phone or clicks on your computer and the funds are sent instantly! We prioritize security in all our digital services so that you can feel confident while managing your finances online. At American 1, we're committed to providing you with accessible and user-friendly tools for real-time account management. Explore all that our digital banking services have to offer today!

Financial Strength

Growing Member Base

We have successfully built a strong community of trust with 142,496 total share accounts. This shows that more members are choosing American 1 as their trusted partner for financial needs. 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 3192 W Carleton Rd Hillsdale Mi 49242 or call (517) 437-3676 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.*

Investment in Your Future

Our commitment to reinvesting in the community is evident with $89,539,654 in undivided earnings. These funds help us enhance banking tools, strengthen lending options, and improve security measures to serve our members better. With $17,945 in used auto loans and $465,910,355 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Member-Centric Savings Solutions

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 operational efficiency is reflected in our $0, which enables 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 who are always ready to serve you with a knowledgeable, committed team.

Solid 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. This robust net worth translates into a net worth ratio of $1,504, which demonstrates a solid capital foundation. This ensures that we can continue providing loans, competitive savings rates, and uninterrupted services 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 $276,058,074 in used vehicle loans and $20,153,468 in new vehicle loans already helping members get on the road. We provide flexible financing options that allow you to choose terms that fit your budget. Plus, if you're considering refinancing an existing auto loan, we can help with that too!

Business Financing

For business owners looking to expand or invest in new opportunities, our outstanding commercial loans totaling $448,081 provide the capital needed to grow. We are committed to supporting local businesses and helping them succeed. Whether you're interested in personal loans or want to learn more about our credit lines totaling $45,000,000, we're here to answer your questions and help you find the best solutions for your financial needs. If you're ready to explore your options or need assistance with eligibility requirements, feel free to reach out at 517-437-3676. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us at 3192 W Carleton Rd Hillsdale Mi 49242 or check out our website at American 1 for more information on how we can assist you today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple and accessible. We offer Junior Lien 1-4 Family Residential Properties loans totaling $7,261,561, giving you a solid foundation for your future. Let us assist you in navigating the home-buying process with ease and confidence.

Unsecured 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. These cards come with competitive interest rates and no hidden fees making them a smart choice for everyday purchases or unexpected expenses.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan 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 guarantees that all loan offers are fair and transparent. Each listing is verified to ensure that you receive accurate information, allowing you to make informed decisions about your financial future.

American 1