American 1 Credit Union Manchester MI | Affordable Auto Loans & Business Banking

Introduction

Welcome to American 1, your trusted financial partner in the heart of Manchester, MI! Located at 10903 Mi State Road 52, we have proudly served our community since our establishment in 1980. With a commitment to excellence and a focus on member satisfaction, we are here to help you achieve your financial goals. At American 1, we believe that every member matters. Our growing family includes over 66,000 members, all benefiting from our range of financial products and services tailored just for you. With total assets exceeding $670 million and deposits totaling around $151 million, our strong financial foundation allows us to offer competitive rates on loans and savings accounts. We understand the importance of personalized service. Our dedicated team of 280 employees, led by CEO Martha Fuerstenau and Board President Philip Hoffman, is always ready to assist you with your banking needs. Whether you're interested in auto loans, mortgage financing, or business banking solutions, we're here to provide guidance and support. While members can visit us at our branch location, we also prioritize convenience through online banking options and an ATM service for easy access to your funds. If you have questions or need assistance, don't hesitate to reach out at 517-212-9434. Join us at American 1 today where community and finance come together! We invite you to explore how we can assist you further by visiting our website at American 1. Let's build a brighter financial future together!

Branch History & Mission

Community Focus

At American 1, we take pride in giving back. Our partnerships with local organizations highlight our dedication to community outreach. Whether through educational workshops or charitable events, we strive to make a positive impact in Manchester and beyond. While you can visit us at 10903 Mi State Road 52, official correspondence should be directed to our mailing address if different. Our operating hours are designed for your convenience: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 2 PM.

Join Us!

As we look ahead, American 1 remains focused on innovation and member satisfaction. With online banking options, mobile payments, and personalized services tailored just for you, we're here to help simplify your financial journey. We invite you to join the American 1 family today! Experience firsthand the benefits of being a member of a credit union that truly cares about its community. For more information or to open an account, give us a call at 517-212-9434 or visit us online at American 1 Credit Union. Together, let's build a brighter financial future!

Our Journey

From our humble beginnings, American 1 has evolved into a vital part of Manchester's landscape. Our branch at 10903 Mi State Road 52 is conveniently situated near local landmarks that make us easily accessible to all. We understand that banking needs change, and we have adapted by enhancing our services and facilities. With features such as drive-thru banking and ATM availability, we ensure that members can manage their finances with ease. Throughout our history, we've remained committed to our mission: to provide exceptional financial services while supporting our community's growth and wellbeing. This mission is not just about banking; it's about building relationships and fostering a sense of belonging among our members. We believe in empowering individuals through financial education and support, making it easier for them to achieve their goals.

Branch Location & Accessibility

ATM Access

Need cash on the go? Our branch also features an ATM available for your convenience, ensuring you have easy access to your funds whenever you need them. If you have any questions or would like more information about our services, don't hesitate to call us at 517-212-9434. We look forward to welcoming you into the American 1 family!

Accessibility Features

We understand the importance of accessibility. Our branch is equipped with features that cater to everyone, including ADA-compliant ramps and parking spaces to ensure ease of access. Whether you're stopping by to deposit a check or seeking financial advice, you will find our facilities welcoming and accommodating.

Operating Hours & Services

Our doors are open for you Monday through Thursday from 9 AM to 5 PM, Fridays until 6 PM, and Saturdays from 9 AM to 2 PM. This flexible schedule allows you to visit us at a time that suits you best. At American 1, we offer a variety of services tailored to meet your personal banking needs. From checking and savings accounts to auto loans, mortgages, and credit cards with rewards, we've got you covered. Plus, enjoy the convenience of our drive-thru banking for quick transactions.

Member Eligibility

At American 1, we believe that everyone deserves a place in our financial family. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in Washtenaw County or have an immediate family member who does, you're already eligible to join us. We're here to support you on your financial journey with personalized services tailored just for you. With membership, you gain access to a range of benefits including competitive rates on loans and savings accounts, online banking convenience, and community-focused initiatives that make a real difference. Ready to take the next step? Opening your account is easy! You can find all the details about how to get started at http://www.american1cu.org/loan-application. If you have any questions or need assistance, feel free to give us a call at (517) 212-9434. For more information on eligibility criteria, check out our website at . Join us at American 1 located at 10903 Mi State Road 52 Manchester Mi 48158, where we look forward to welcoming you into our community!

Business Banking & Commercial Services

Business Loans That Fuel 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. Each loan we provide is tailored to meet the unique needs of our local entrepreneurs, enabling them to invest in equipment, hire new staff, or expand their operations. For those outside our member base, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions to keep your business moving forward.

Merchant Services That Make Transactions Easy

In today's fast-paced world, effective merchant services are crucial for any business's success. Our offerings simplify payment processing so you can focus on what matters most running your business. Imagine serving customers quickly with seamless transactions that enhance their experience. With our merchant services, you can do just that while keeping your cash flow steady. With an outstanding commercial loan portfolio of $448,081, we continue to drive economic growth by financing new and expanding businesses right here in Manchester, MI. Explore how American 1 can empower your business today! Visit us at 10903 Mi State Road 52 Manchester Mi 48158 or call us at (517) 212-9434 for more information.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

With our ATM services available both at the branch and throughout the community, accessing cash is straightforward and convenient. You can withdraw cash or check your balance easily whenever needed.

Auto Loans & Vehicle Financing

Looking to purchase a new car? Our auto loans and vehicle financing options make it easier than ever to drive away in the vehicle of your dreams. With competitive rates and flexible terms, you can find a plan that suits your budget without any hassle.

Business Banking

For our business members, we offer comprehensive business banking services including merchant services and business loans. We aim to help local businesses thrive by providing accessible financial solutions tailored specifically for entrepreneurs.

Credit Cards with Rewards

Enjoy shopping and earning rewards? Our credit cards come with attractive benefits that allow you to earn points on purchases. It's an easy way to get something back while using your card for everyday expenses.

Drive-Thru Services

Need quick access without stepping inside? Our drive-thru banking offers a range of services such as deposits, withdrawals, and simple transactions perfect for those on the go! At American 1, we're not just about transactions; we're about building relationships with our members. If you're ready to explore how we can support your financial journey, give us a call at (517) 212-9434, or visit us today! Let us help you achieve your financial dreams with confidence.

Mortgage Loans & Refinancing

Buying a home or looking to refinance? Our mortgage loans provide you with the financial backing you need. Our team will guide you through the process, ensuring you understand every step, from application to closing.

Online & Mobile Banking

In today's fast-paced world, convenience is key. Our online and mobile banking platforms allow you to manage your finances anytime, anywhere. Whether it's transferring funds, checking balances, or making payments, you have everything at your fingertips.

Personal Banking

We understand that managing your money is essential for achieving your goals. That's why we offer various personal banking solutions, including checking and savings accounts tailored to fit your lifestyle. Whether you're saving for a special occasion or just want easy access to your funds, we've got you covered.

Personal Loans & Debt Consolidation

If life throws unexpected expenses your way, our personal loans can help ease the burden. Additionally, if you're feeling overwhelmed by debt, consider our debt consolidation options that can simplify your payments and potentially lower your interest rates.

Digital & Online Banking

Key Services

Our online banking platform allows you to check balances, transfer funds, and pay bills whenever you need to. You can also take advantage of electronic signatures, making it simple to sign important documents without needing to visit a branch. Plus, with e-statements available, you can access your financial statements digitally saving paper and keeping everything organized.

Mobile Convenience

For those on the go, our mobile application offers all the features you need in the palm of your hand. Whether you want to make mobile payments or send money quickly through person-to-person transfers, our app makes it easy and secure. You'll love how accessible your finances are with just a few taps on your smartphone.

Security First

We prioritize your security with robust measures in place to protect your information. You can feel confident knowing that your data is safe while using our online services. Our user-friendly design means you won't have to struggle to find what you need everything is laid out clearly for easy navigation. In summary, at American 1, we're committed to providing you with the tools necessary for effective account management anytime, anywhere. Experience the convenience of modern banking today!

Financial Strength

A Trusted Partner

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 10903 Mi State Road 52 Manchester Mi 48158 or call (517) 212-9434 to learn more about how we can help you achieve your financial goals.

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 in Our Community

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 you extends beyond savings; with $17,945 in used auto loans and $465,910,355 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Secured 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.

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.

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 make it easy for you to drive away in a vehicle that fits your lifestyle and budget. Our team is ready to guide you through the financing process so you can focus on finding the perfect car.

Credit Lines and Unsecured Loans

If you're looking for more flexibility with your finances, consider our credit lines. With a total of $45,000,000 available in credit lines loans, you can access funds when you need them most. Additionally, we also offer flexible terms on unsecured credit card loans. With a total of $103,573,641 in unsecured credit card loans helping members manage their finances effectively, this option is great for those who prefer not to secure their borrowing against an asset.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $7,261,561. We provide flexible terms and competitive rates to make buying or refinancing simple and straightforward. You deserve a place to call home, and we're here to support you every step of the way.

Refinancing Options

We understand that circumstances change. If you're considering refinancing your current loan or mortgage for better rates or terms, our team can help evaluate your options and find the best solution tailored to your needs. To get started with any of our loan offerings or if you have questions about eligibility or refinancing options, feel free to reach out at 517-212-9434. Our branch located at 10903 Mi State Road 52, Manchester MI 48158 is open Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 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. At American 1 Credit Union, we are dedicated to providing personalized service and expert guidance throughout your borrowing journey. Let's work together toward achieving your financial dreams!

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American 1