Arbor Financial Credit Union Otsego MI | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Arbor Financial, your trusted partner in financial growth and community support, located at 1389 M89, Otsego, MI 49078. Established in 1935, we have proudly served our members for decades, helping them achieve their financial dreams with personalized services and a commitment to excellence. With a robust membership base of 46,802 and total assets exceeding $938 million, we are dedicated to providing our members with the resources they need for success. At Arbor Financial, we understand that each member's journey is unique. Whether you're looking to open a checking account, secure an auto loan, or explore business banking options, our team is here to guide you every step of the way. Our financial strength is reflected in our total deposits of $70,613,294 and a net worth of $84,258,525, ensuring that your funds are safe and accessible whenever you need them. Led by our CEO Julie Blitchok and Board President David Aubry, our team of 193 employees is committed to making a positive impact in the community. We strive not just to meet your banking needs but also to contribute to the well-being of Otsego and the surrounding areas. While members can visit us at our branch location, official correspondence should be sent to the same address: 1389 M-89, OTSEGO, MI 49078. If you have any questions or want to learn more about what we offer, don't hesitate to reach out at (269) 685-9587. Join us today at Arbor Financial where your financial goals become our mission! Visit us online at arborfcu.org or stop by our branch during our operating hours: 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. Let's work together towards a brighter financial future!

Branch History & Mission

Community Connection

We take pride in being a member-focused organization that prioritizes community support. Through partnerships with local organizations and initiatives, we strive to uplift those around us. Whether it's sponsoring events or contributing to local charities, Arbor Financial believes in giving back to the community that has supported us throughout the years. While members can visit us at 1389 M89, official correspondence should be sent to 1389 M-89, OTSEGO, MI 49078 if different from the branch address. Join us at Arbor Financial! Experience firsthand how we can help you navigate your financial journey while contributing positively to our beloved Otsego community. For any inquiries or assistance, feel free to call us at 269-685-9587. Together, let's build a brighter financial future!

Our Mission

At the heart of Arbor Financial is our mission: to empower our members to achieve their financial goals while making a positive impact in the community. We believe that everyone deserves access to quality financial services that support their aspirations. Our offerings include checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions tailored to meet diverse needs. We understand that financial education is crucial for success. That's why we actively engage with our community through workshops and outreach programs aimed at improving financial literacy. Our commitment extends beyond transactions; we aim to foster relationships built on trust and understanding. As technology continues to evolve, so do we. Our online and mobile banking services allow you to manage your finances conveniently from anywhere. With features like electronic signatures and mobile payments, banking has never been easier or more secure.

Branch Location & Accessibility

Accessibility Features

At Arbor Financial, we prioritize accessibility for all our members. Our branch features ADA-compliant entryways and ramps, ensuring that everyone can visit us comfortably. Parking is readily available on-site, so you can find a spot without any hassle.

Contact Us

If you have questions or need assistance before your visit, feel free to give us a call at (269) 685-9587. Our friendly staff is always eager to assist you! Come by today and discover how Arbor Financial can support your financial journey!

Operating Hours

We know your time is valuable! That's why we offer flexible hours to accommodate your busy schedule. You can 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. Whether you're here to open an account or simply need assistance with a transaction, our team is ready to help during these hours.

Services Offered

Our Otsego-Plainwell Office provides a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Plus, enjoy the ease of ATM access and drive-thru banking for quick transactions without leaving your car. While members can visit us at 1389 M89 Otsego Mi 49078, official correspondence should be sent to our mailing address at 1389 M-89, OTSEGO, MI 49078.

Member Eligibility

At Arbor Financial, we believe that everyone deserves a chance to be part of a community that truly cares. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in certain areas of Michigan, you're already eligible to join us. We're here to support you with a range of financial services tailored just for our members. To explore the specific eligibility criteria and find out if you qualify, check out our detailed information at this link. Joining is as easy as filling out an application, and you can start the process right away by visiting our account opening page here. If you have any questions or need assistance, feel free to give us a call at (269) 685-9587. We're excited to welcome you to Arbor Financial, located at 1389 M89 Otsego Mi 49078, where you'll enjoy personalized service and a community-focused approach to your financial needs!

Business Banking & Commercial Services

Merchant Services That Make a Difference

In today's fast-paced world, having reliable merchant services can be the difference between a thriving business and one that struggles. Our merchant solutions provide businesses with tools to accept payments effortlessly, manage transactions securely, and improve cash flow. Imagine serving your customers better while reducing operational hassles this is what our services aim to deliver. Join us at Arbor Financial located at 1389 M89 Otsego, MI 49078. Together, we can build a strong financial foundation for your business's future! For more information or to get started, call us at 269-685-9587.

Unlocking Growth with Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $235 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $35 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $81,691,929, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM and Drive-Thru Access

We know that sometimes you need quick access to cash or want to handle simple transactions without stepping inside the branch. That's why we offer ATM access for withdrawals and balance checks as well as basic drive-thru banking for deposits and withdrawals. This ensures that whether you're in a hurry or just prefer not to enter the branch, Arbor Financial remains accessible. We invite you to experience all that Arbor Financial has to offer. For any questions or assistance with opening an account, please give us a call at 269-685-9587 or visit our website at www.arborfcu.org. Join us today and let's work together toward achieving your financial aspirations!

Business Banking Services

For small businesses and entrepreneurs, Arbor Financial offers dedicated support through our business banking services. This includes merchant services that simplify payment processing and business loans tailored to help you grow your operations. We understand that running a business comes with its own set of challenges, and we're here to provide the financial tools needed for success.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we emphasize our robust online and mobile banking features. With just a few taps on your smartphone or clicks from your computer, you can manage your accounts from anywhere. Our services include easy access to account balances, online bill pay, and person-to-person payment options making it simple to send money when needed.

Personal Banking Solutions

For individuals and families, we offer various personal banking services including checking and savings accounts that help you manage your day-to-day finances. If you're considering buying a new vehicle, our auto loans and vehicle financing options are designed to make the process easier. We also provide mortgage loans and refinancing to help you secure your dream home or lower your monthly payments. In addition to these essential services, our personal loans and debt consolidation options can assist you in managing expenses more effectively. Plus, with our credit cards that come with rewards, you can earn benefits while making purchases.

Digital & Online Banking

Accessible and User-Friendly

Navigating through our digital banking tools is straightforward and user-friendly. Whether you're tech-savvy or just starting with online banking, our resources are designed to help you manage your finances efficiently. Real-time account management means you'll always be up-to-date on your financial situation. At Arbor Financial, we're committed to making banking easier for you. Discover how our digital services can help simplify your life today!

Key Features for Your Convenience

Our online banking platform is available 24/7, allowing you to check your account balance, pay bills, or transfer funds whenever it fits your schedule. With our mobile application, managing your money on the go has never been easier. Simply download the app to access all your banking needs right from your smartphone. Need to send money to a friend? Our person-to-person transfer feature makes it simple and fast. Just a few taps, and you're done! Plus, with mobile payments enabled, you can make purchases directly from your phone no need for cash or cards. Security is also a top priority for us. We utilize electronic signature authorization for secure transactions, ensuring that your information remains safe while you bank online. And if you prefer going paperless, you'll be pleased to know we offer e-statements for easy access to your financial records without the clutter.

Financial Strength

Commitment to Growth

With $78,184,916 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is impressive as well, with $4,112 in used auto loans and a total of $724,444,789 in loans and leases supporting our members' financial goals across various sectors.

Efficient Operations

Our operations remain efficient with a net income of $4,869,094, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 177 full-time employees and 16 part-time employees. This dedicated team ensures our branches are always ready to serve you with knowledge and commitment.

Growing Member Trust

We currently manage a total of 110,657 share accounts, showcasing a strong and growing member base that trusts us with their finances. Furthermore, net shares available for lending and investments stand at $6,671,717, reinforcing our capability to support our community effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Arbor Financial is your trusted partner. Visit us at 1389 M89 Otsego Mi 49078 or call (269) 685-9587 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $109,610,716 in share certificates and $78,158,256 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $24,162,000, we ensure that our resources focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Foundation

With a net worth of $84,258,525, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation is further evidenced by our net worth ratio of $897, which ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Services for Businesses

For business owners, our outstanding commercial loans totaling $81,691,929 provide the capital needed to grow and expand. We understand that running a business comes with its unique challenges and opportunities; that's why we strive to support local businesses with tailored financing solutions.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $50,662,701 in used vehicle loans and $14,089,687 in new vehicle loans, helping our members get on the road with confidence. Whether you're purchasing a brand-new model or a reliable used vehicle, our competitive rates make financing straightforward and hassle-free.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $74,626,576, making buying or refinancing simple. We aim to guide you through every step of the mortgage process so that you can focus on creating memories in your new home.

Refinancing Options

If you currently have existing loans or mortgages and are looking for better rates or terms, be sure to ask about our refinancing options. We are here to help you explore eligibility options that may lead to lower monthly payments or cash-out refinancing for other financial needs. For more information on any of these loan products or to start your application process today, feel free to contact us at 269-685-9587 or visit us at our branch located at 1389 M89 Otsego Mi 49078. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Your financial journey starts here at Arbor Financial!

Unsecured Credit Card Loans

Managing day-to-day expenses? We also offer flexible terms on unsecured credit card loans, with a total of $30,465,016 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits that can assist you in making the most out of your spending.

Loan Aggregator

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ARBOR FINANCIAL CREDIT UNION - Otsego, MI