Baraga County Lanse MI Credit Union | Affordable Auto Loans & Drive-Thru Banking

Introduction

Welcome to Baraga County Federal Credit Union, your trusted partner in financial well-being since 1952. Located conveniently at 101 E Broad St, Lanse, MI 49946, we are proud to serve our community with dedication and care. With a total membership of 4,507 and assets exceeding $56,124,099, we are committed to providing personalized services that meet your unique financial needs. At Baraga County FCU, we understand that every member's journey is different. Whether you're looking for personal banking solutions, auto loans, or mortgage refinancing options, our experienced team is here to help you every step of the way. Under the leadership of our CEO, Dawn Jahfetson, and Board President, Cathryn Beer, we strive to create an environment where you feel valued and supported. Our commitment goes beyond just numbers; it's about building lasting relationships within our community. With total deposits of $1,943,429 and a net worth of $5,393,556, we ensure that your funds are secure while offering competitive rates on loans over 2,051 loans and leases have already helped our members achieve their dreams. While you can visit us at our branch for all your banking needs, please remember that official correspondence should be directed to our mailing address: PO Box 38, Lanse, MI 49946. Explore the range of services we offer at baragafcu.com, or give us a call at 906-524-6151 during our lobby hours from Monday to Friday between 8:30 AM - 5:00 PM. We're here to help you navigate your financial journey with ease!

Branch History & Mission

At Baraga County Federal Credit Union, we pride ourselves on a rich history that began in 1952. Nestled in the heart of Lanse, MI, at 101 E Broad St, our credit union has been a steadfast partner for the local community for over seven decades. From humble beginnings, we have grown to serve a dedicated membership of 4,507 individuals and families, all while maintaining a commitment to provide exceptional financial services tailored to our community's needs. Our mission is simple yet powerful: to empower our members by offering accessible financial solutions while fostering a spirit of community support. We believe that everyone deserves the opportunity to thrive financially. This belief drives us to offer a range of services from personal banking including checking and savings accounts to auto loans, mortgages, and business banking options. We aim not just to meet your financial needs but also to help you achieve your dreams. Throughout the years, Baraga County Federal Credit Union has evolved alongside our community. We have embraced digital advancements such as online banking and mobile applications, ensuring our members can manage their finances conveniently and securely. Additionally, our branch is ADA compliant, making sure that all members feel welcome when they visit us. Our commitment extends beyond financial services; we actively participate in community outreach initiatives that uplift and support those around us. Whether it's partnering with local organizations or sponsoring events that bring people together, we are dedicated to making a positive impact in Baraga County. For official correspondence, please send mail to PO Box 38, Lanse, MI 49946. We invite you to stop by during our lobby hours from Monday through Friday between 8:30 AM and 5:00 PM. With an ATM available for your convenience and drive-thru service for quick transactions, we strive to make banking easy for you. As we look toward the future, we remain committed to providing sound financial advice and services that enhance the lives of our members. Join us at Baraga County Federal Credit Union and experience firsthand how we can be your trusted financial partner in achieving your goals. Together, let's build a brighter future for our community!

Branch Location & Accessibility

Connect With Us

We invite you to come by and explore how Baraga County Federal Credit Union can support your financial journey. If you have questions or would like more information about our services, don't hesitate to give us a call at 906-524-6151. Your community credit union is here for you!

Location Highlights

Our branch is conveniently situated near local landmarks, making it easy to stop by while you're out and about. If you're in the area for shopping or dining, just swing by and see us! We offer ample parking right outside, ensuring that you can access our services without any hassle. Plus, we are committed to accessibility with features that accommodate everyone, including ADA-compliant ramps for those who need them.

Operating Hours & Services

At Baraga County Federal Credit Union, we want to make your banking experience as smooth as possible. Our lobby is open Monday through Friday from 8:30 AM to 5:00 PM, giving you plenty of time to visit us during the week. For added convenience, we also offer drive-thru banking services for quick deposits and withdrawals. If you prefer self-service, our ATM is available on-site for balance checks and cash withdrawals whenever you need it. We take pride in offering a wide range of services tailored to meet your needs whether you're looking for checking and savings accounts, auto loans, mortgage refinancing, or credit cards with rewards. Our dedicated team is here to provide personalized service and assist you with all your financial goals. While members can visit us at 101 E Broad St, please note that official correspondence should be sent to PO Box 38, Lanse, MI 49946.

Member Eligibility

Becoming a member of Baraga County is like joining a close-knit community where your financial goals matter. If you live, work, or attend school in Baraga County, you're already on the right path to membership! We welcome individuals and families who share our values of community and support. Membership opens the door to a variety of benefits, from personalized banking services to competitive loan rates tailored just for you. To make it even easier, you can start the account opening process by visiting us at 101 E Broad St Lanse Mi 49946 or give us a call at (906) 524-6151 for any questions. For more details on eligibility requirements, check out this resource. We're excited to have you on board!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer merchant services that streamline payment processing, allowing you to focus on what you do best running your business. Imagine accepting payments effortlessly while ensuring fast transactions for your customers. Our tools help enhance customer experiences and keep your cash flow steady. Located at 101 E Broad St Lanse Mi 49946 in Lanse, MI, we're here to partner with you on your journey towards success. Connect with us today at (906) 524-6151 to learn how we can help elevate your business!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 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 $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking of buying a new car? Our auto loans and vehicle financing options are flexible and affordable. We work with you to find a loan that fits your budget, making it easier for you to drive away in the car of your dreams.

Business Banking

For our business members, we offer specialized services including merchant services and business loans. We know running a business can be challenging; that's why we're here to support your growth with financial products designed just for you.

Convenient Access

Accessing your money should be simple and convenient. That's why at Baraga County Federal Credit Union, we provide ATM and cash withdrawal services, as well as basic drive-thru banking for deposits, withdrawals, and other simple transactions. You can also take advantage of basic ATM access for quick balance checks on-the-go. In today's fast-paced world, being able to manage your finances digitally is crucial. With our robust online banking platform and mobile application, managing your accounts has never been easier or more secure. We invite you to visit us at Baraga County Federal Credit Union, where our commitment is not just about providing services it's about building relationships with our members. If you have any questions or want more information about how we can assist you financially, don't hesitate to call us at 906-524-6151 or drop by during our lobby hours from Monday to Friday, 8:30 AM - 5:00 PM. Let us help you take the next step towards financial success!

Mortgage Loans & Refinancing

For those considering homeownership or wanting to refinance an existing mortgage, we offer comprehensive mortgage loans tailored to fit your needs. Our experienced team will guide you through the entire process, ensuring you understand all your options along the way.

Personal Banking

We understand that every member has different needs when it comes to banking. That's why we offer personal banking services like checking and savings accounts that help you manage your day-to-day finances effectively. With easy access through online and mobile banking, you can check balances, make transfers, and pay bills anytime from anywhere. Plus, our credit cards come with rewards designed to benefit your lifestyle.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or trying to consolidate debt, our personal loans provide a great solution. These loans can help simplify your payments and reduce stress by allowing you to combine multiple debts into one manageable monthly payment.

Digital & Online Banking

Key Features

One of the standout features at Baraga County is the ability to complete transactions securely with electronic signature authorization. This means you can sign important documents from the comfort of your home, eliminating the need for physical visits. Additionally, e-statements are available, allowing you to view your financial statements electronically no more paper clutter! For those on the go, our mobile application makes banking even simpler. You can manage your accounts right from your smartphone, ensuring that you always have access to your finances wherever life takes you. Although we currently do not support mobile payments, we do offer person-to-person transfers. This feature lets you send money to friends or family quickly and effortlessly. Whether you're setting up recurring payments or making one-time transfers, our online banking services provide real-time account management that helps you stay on top of your finances. With these tools at your fingertips, you'll find it easier than ever to keep track of where your money goes. At Baraga County, we are committed to providing accessible and secure banking solutions tailored to meet the needs of our members. Experience the convenience of digital banking today!

Financial Strength

Commitment to Growth

With $5,324,224 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 significant: with $641 in used auto loans and $18,785,671 in total loans and leases, we support members' financial goals across various sectors.

Growing Member Base

Total Share and Deposit Accounts stand at 9,222, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $56,437, further demonstrating our capacity 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, Baraga County is your trusted partner. Visit us at 101 E Broad St Lanse Mi 49946 or call (906) 524-6151 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.

Member Savings and Resources

Members' savings are secured through $8,945,381 in share certificates and $12,968,770 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our commitment to efficiency is reflected in our $173,633, which allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 9 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundation

With a net worth of $5,393,556, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.61% 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 $8,809,790 in used vehicle loans and $1,322,907 in new vehicle loans already helping members get on the road. With flexible terms and quick approval processes, we make it easy for you to drive away with the vehicle you want.

Credit Lines

In addition to these offerings, we provide credit lines totaling $5,600,000 for those who need extra flexibility in their finances. Whether it's for unexpected expenses or planned purchases, our credit lines can be a reliable resource.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $665,826, making buying or refinancing simple. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, our team is here to guide you through each step of the process.

Refinancing Options

If you're considering refinancing any existing loans or exploring eligibility options for our various loan products, our knowledgeable staff is here to assist you. We can help you find the right solutions based on your individual needs and circumstances. At Baraga County located at 101 E Broad St Lanse Mi 49946, we pride ourselves on personalized service and a deep understanding of our members' needs. If you have any questions or want to discuss your loan options further, please don't hesitate to reach out at 906-524-6151. 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 navigate your financial future today!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $412,368 in loans helping members manage their finances effectively. Our credit cards come with competitive rates and no hidden fees, allowing you to use them confidently for everyday purchases or emergencies.

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BARAGA COUNTY FEDERAL CREDIT UNION - Lanse, MI

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