Arbor Financial Credit Union Three Rivers MI | Affordable Vehicle Loans & Personal Banking

Introduction

Welcome to Arbor Financial, your trusted credit union serving the vibrant community of Three Rivers, MI. Located at 811 W Michigan Ave, we have been committed to enhancing the financial well-being of our members since our establishment in 1935. With a strong focus on personal service and community involvement, Arbor Financial has grown to support over 46,802 members, helping them navigate their financial journeys with confidence. At Arbor Financial, we understand that banking is about more than just transactions; it's about building relationships. Our dedicated team, led by CEO Julie Blitchok and Board President David Aubry, strives to provide personalized solutions tailored to your needs. Whether you're looking for auto loans, mortgages, or savings accounts, we're here to help you achieve your financial goals. As of now, we proudly manage total assets of $938,273,331, with total deposits reaching $70,613,294. Our members can also benefit from a robust loan portfolio with 25,877 loans and leases available. We maintain a solid net worth of $84,258,525, ensuring that your funds are safe and sound. While members can visit us at our branch location in Three Rivers, official correspondence should be sent to our mailing address: 811 W MICHIGAN AVE, THREE RIVERS, MI 49093-2134. We invite you to explore our wide range of services designed for both individuals and businesses. From online banking to personalized loan options, we are equipped to meet your diverse financial needs. Feel free to reach out to us at (269) 278-7076 or visit our website at www.arborfcu.org for more information. Join us today and experience the Arbor Financial difference where you are not just a member but part of a family dedicated to your success!

Branch History & Mission

Join Us Today!

As we continue to grow and adapt to meet the needs of our members, we invite you to be part of this journey. Visit us at 811 W Michigan Ave or reach out via phone at 269-278-7076 for any inquiries you may have. While members can visit us at this location for all their banking needs, official correspondence should be sent to 811 W MICHIGAN AVE, THREE RIVERS, MI 49093-2134 if necessary. Join Arbor Financial today and experience firsthand the benefits of being part of a community-focused credit union dedicated to helping you thrive financially!

Modern Banking Services

As part of our commitment to serving you better, we have embraced digital advancements that make banking more accessible than ever. With features like online banking and mobile payments available at your fingertips, managing your finances has never been easier. Additionally, our branch offers drive-thru service for quick transactions and ATM access for convenient cash withdrawals. Our operating hours are designed with your schedule in mind: we're open 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.

Our Mission

At Arbor Financial, our mission is clear: we strive to deliver exceptional financial services while actively supporting the communities we serve. We believe in putting people before profits, ensuring that our members receive personalized attention and solutions that fit their unique circumstances. Whether it's through personal banking options like checking and savings accounts or offering auto loans and mortgages, our goal is to help you achieve your financial dreams. We also understand the importance of community involvement. Over the years, we've partnered with local organizations to promote outreach initiatives that uplift those in need. From financial literacy programs to charitable events, we aim to make a positive impact in Three Rivers and beyond.

Branch Location & Accessibility

Welcome to Arbor Financial, your friendly neighborhood credit union located at 811 W Michigan Ave in the heart of Three Rivers, MI. Our location is easily accessible for all members and visitors, making it convenient for you to manage your financial needs. Whether you're stopping by for a quick transaction or exploring our range of services, we're here to help. As you navigate through Three Rivers, look out for nearby landmarks like the scenic St. Joseph River and the vibrant downtown area that offer a welcoming atmosphere. At Arbor Financial, we strive to ensure that every visit is a pleasant one. We have ample parking available right outside our branch, making your trip hassle-free. Plus, our facility is designed with accessibility in mind, featuring ramps and ADA-compliant entrances to assist all members. Our operating hours are tailored to fit your busy schedule: we are open Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. This flexibility allows you to visit us when it's most convenient for you. In addition to our lobby services, we also offer drive-thru banking for quick deposits and withdrawals without leaving your car. For those who prefer cash access on the go, our ATM is available around the clock for your convenience. While members can visit us at 811 W Michigan Ave Three Rivers Mi 49093, official correspondence should be sent to 811 W MICHIGAN AVE, THREE RIVERS, MI 49093-2134. If you have any questions or need assistance, feel free to call us at (269) 278-7076 our team is always ready to help! We invite you to come see what Arbor Financial has to offer. Stop by today or give us a call; we can't wait to meet you!

Member Eligibility

At Arbor Financial, we believe that everyone deserves access to a financial community that truly cares. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in our vibrant Three Rivers area, you're already eligible to join us. We aim to support our members through various services tailored to meet your financial needs from personal banking to loans and beyond. Plus, being part of Arbor Financial means joining a network of over 46,000 members who enjoy personalized service and community involvement. For detailed eligibility criteria, feel free to check out our website at https://www.arborfcu.org/about/membership/benefits . Ready to open an account? It's an easy process! Just visit us at https://forms.fivision.com/arborfcu/oa/ to get started or give us a call at (269) 278-7076 if you have any questions. We're here for you, so come join the Arbor Financial family today at our branch located at 811 W Michigan Ave Three Rivers Mi 49093.

Business Banking & Commercial Services

Loan Options that Work for You

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.

Merchant Services Made Easy

In addition to loans, our merchant services make it simple for you to accept payments and manage transactions efficiently. Imagine a busy Saturday where you can serve customers without worrying about payment processing delays. Our services ensure that you can focus on what really matters growing your business. Visit us at 811 W Michigan Ave, Three Rivers, MI 49093 or call us at 269-278-7076 to discover how Arbor Financial can be a partner in your business journey. Together, let's build something great!

Comprehensive List Of Services

Business Banking Services

For local businesses, we provide essential Business Banking services. From Merchant Services that simplify payment processing to tailored Business Loans designed to help you grow and expand, we aim to support the backbone of our community our small businesses.

Convenient Digital Banking

In today's fast-paced world, convenience is key. Our robust Online & Mobile Banking platforms allow you to manage your finances anytime and anywhere. Whether it's checking balances, transferring funds, or paying bills, everything is just a few taps away. Plus, with ATM & Cash Withdrawal Services, accessing cash is simple and hassle-free.

Drive-Thru and ATM Services

If you prefer face-to-face interactions for basic transactions, take advantage of our Basic Drive-Thru Banking, where you can easily make deposits or withdrawals without leaving your vehicle. For quick cash access or balance checks, our Basic ATM Access ensures you're covered around the clock. At Arbor Financial, we strive to offer services that cater to every aspect of financial life while ensuring a friendly experience for all members. To learn more about how we can assist you further or if you're ready to take the next step towards financial empowerment, feel free to call us at (269) 278-7076 or visit us at Three Rivers Office today!

Financial Flexibility

We understand that life can throw unexpected challenges your way. That's why our Personal Loans & Debt Consolidation solutions are here to help you regain control over your finances when needed most. Plus, with our Credit Cards with Rewards, you can earn points on everyday purchases turning spending into savings.

Personal Banking Solutions

For individuals and families, we offer Personal Banking options that include checking and savings accounts, which are perfect for managing day-to-day expenses or saving for future needs. Imagine having a reliable account that not only keeps your money safe but also helps it grow! Our Auto Loans & Vehicle Financing make it easier for you to get behind the wheel of your dream car without breaking the bank. If you're thinking about homeownership, our Mortgage Loans & Refinancing options can guide you through the process smoothly, making it possible for you to own a piece of your dream.

Digital & Online Banking

At Arbor Financial, we understand that managing your finances should be easy, secure, and convenient. That's why we've developed a range of digital and online banking services designed to fit your lifestyle. With our commitment to providing you with safe and user-friendly options, you can access your accounts anytime, anywhere. One of the standout features is our comprehensive Online Banking service available at https://www.arborfcu.org/ . This platform allows you to check balances, transfer funds, and manage your account on the go. Plus, with 24/7 Online Banking Services, you're never out of reach of your financial information. For those who prefer using their mobile devices, our Mobile Application makes banking even more accessible. You can pay bills, deposit checks, and send money to friends through our Person-to-Person Transfers feature all at the touch of a button. And if you're looking for convenience in payments, our Mobile Payments Feature lets you make purchases directly from your smartphone. Security is a top priority for us. That's why we offer Electronic Signature Authorization to simplify document signing while keeping your information safe. Additionally, our members can opt for E-Statements, making it easy to stay organized without the clutter of paper statements. At Arbor Financial, we believe that banking should be tailored to your needs. Our services are designed to provide real-time account management while ensuring ease-of-use and accessibility. Explore all that digital banking has to offer by visiting us today!

Financial Strength

A Growing Community

Total Share Accounts: 110,657, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments stand at $6,671,717, further highlighting our capability to support your needs. 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 811 W Michigan Ave Three Rivers Mi 49093 or call 269-278-7076 to learn more about how we can help you achieve your financial goals.

Commitment to Growth and Innovation

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 supports members' financial goals across various sectors with $4,112 in used auto loans and $724,444,789 in total loans and leases.

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 are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our robust operational efficiency is reflected in our 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, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Solid Financial Health

With a net worth of $84,258,525, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 8.97% 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 $50,662,701 in used vehicle loans and $14,089,687 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have options tailored just for you.

Business Loans

For business owners, our outstanding commercial loans totaling $81,691,929 provide the capital needed to grow and expand your business. From startup costs to equipment purchases and everything in between, our team is here to support your entrepreneurial journey. At Arbor Financial located at 811 W Michigan Ave Three Rivers MI 49093, we pride ourselves on providing personalized service. If you're interested in refinancing options or want to see if you're eligible for any of our loan products, please don't hesitate to reach out at (269) 278-7076. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. No matter what your financial goals may be, Arbor Financial is here to assist you every step of the way!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $74,626,576, make buying or refinancing simple. We are here to guide you through each step of the mortgage process so you can feel confident as you make this significant investment.

Unsecured Credit Card Loans

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. These cards come with no collateral requirements and are perfect for everyday purchases or unexpected expenses.

Loan Aggregator

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ARBOR FINANCIAL CREDIT UNION - Three Rivers, MI