BlueOx Credit Union Coldwater MI | Affordable Auto Loans & Business Banking

Introduction

Welcome to Blueox, your trusted community partner in financial success! Located at 415 N Willowbrook Rd, Coldwater, MI 49036, we have proudly served our members since 1936. Over the years, we've grown to a vibrant membership of 30,979 individuals, all benefiting from our commitment to exceptional service and financial empowerment. With total assets amounting to an impressive $370,202,330 and total deposits reaching $28,726,325, we provide a solid foundation for all your banking needs. Our offerings include personal banking services like checking and savings accounts, auto loans, mortgage loans, and business banking solutions tailored just for you. Whether you're looking to purchase a new vehicle or consolidate debt, we've got you covered with over 18,846 loans and leases currently funded. At Blueox, we believe in supporting our community not just through financial services but also through genuine relationships. Led by our dedicated CEO Kristopher Lewis and Board President Don Hicks, our team of 134 employees is here to ensure you receive personalized assistance every step of the way. We encourage you to visit us at our Coldwater branch or explore our website at ignitecreditunion.com for more information about our services. Feel free to call us at 517-279-8059 if you have any questions or need assistance. Join us today and experience the difference that comes with being part of the Blueox family!

Branch History & Mission

Community Commitment

Over the years, we have remained steadfast in our commitment to giving back to Coldwater and the surrounding areas. Through various outreach programs and partnerships with local organizations, we strive to create positive impacts that extend beyond banking. Our shared service center allows us to collaborate with other credit unions to enhance member convenience while ensuring everyone feels welcomed and valued.

Get Involved

We invite you to join our Blueox family! Experience firsthand the benefits of membership at our Coldwater branch. With operating hours from 9:00 am to 5:00 pm Monday through Friday, you can easily visit us or reach out at 517-279-8059 for more information about how we can help you achieve your financial goals. Together, let's build a brighter future for our community!

Modern Banking Solutions

As we embrace the future, Blueox continues to advance our services with modern technology. From online banking and mobile payments to electronic signatures and e-statements, we ensure our members can manage their finances easily and securely. We also pride ourselves on being ADA compliant, making our services accessible to all.

Our Mission

Our mission is simple yet profound: to provide exceptional financial services while fostering a strong sense of community support. We believe in empowering our members through personalized banking solutions that meet their unique needs. Whether it's helping families secure auto loans or providing individuals with the resources they need for debt consolidation, we are committed to being a reliable partner in their financial journeys.

Branch Location & Accessibility

Convenient Access and Features

At Blueox, we understand that your time is valuable. That's why we offer a drive-thru banking option, allowing you to handle your transactions without leaving your vehicle. Our branch is equipped with ADA-compliant features, ensuring everyone can access our services comfortably. Plus, parking is ample and easy to navigate, making your visit hassle-free. While members can visit us at 415 N Willowbrook Rd for all their banking needs, any official correspondence should be sent to the same address. We're here to assist you during our lobby hours from 9:00 am to 5:00 pm on weekdays. You can reach us at (517) 279-8059 if you have any questions or need assistance.

Join Us Today!

Whether you're looking for a new place to bank or need assistance with financial decisions, we invite you to stop by the Blueox branch in Coldwater. Our friendly team is eager to help you find the right products and services tailored just for you! Come see us soon!

Services Tailored for You

Our Coldwater Branch offers a variety of services designed to help you manage your finances effectively. From personal checking and savings accounts to auto loans and mortgages, we've got options that fit your lifestyle. Additionally, our shared service center allows partner credit union members to access their accounts conveniently. With an ATM available on-site, you can withdraw cash or check balances anytime during business hours. We're committed to providing a full range of banking solutions that cater to both personal and business needs.

Member Eligibility

Becoming a member of Blueox is like joining a family where your financial well-being is our top priority. If you live, work, worship, or attend school in the Coldwater area, you're likely eligible to join us! We believe in making banking accessible and personal, so whether you're looking for checking accounts, auto loans, or just want to benefit from our community-focused services, we welcome you with open arms. For the most current details on membership eligibility, feel free to visit our website at . Once you see how easy it is to become a member, you'll be eager to get started! To open an account and begin enjoying all the perks of membership, simply give us a call at (517) 279-8059 or visit us at our branch located at 415 N Willowbrook Rd Coldwater Mi 49036. We can't wait to meet you!

Business Banking & Commercial Services

Merchant Services That Make Sense

Imagine running your business smoothly while keeping track of sales effortlessly. Our merchant services help you accept payments easily, manage transactions, and keep your cash flow healthy. By partnering with us, you can focus on what really matters growing your business. Visit us at 415 N Willowbrook Rd Coldwater Mi 49036 in Coldwater, MI, or call us at (517) 279-8059 to learn more about how we can help your business thrive!

Unlocking Opportunities with Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $74 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $143 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $11,050,022, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Drive-Thru Services

We also provide convenient ATM access for quick cash withdrawals and balance checks. If you prefer in-person service but need something simple like deposits or withdrawals, our basic drive-thru banking is perfect for those on the go. Moreover, partner credit union members can benefit from shared branch transactions as well.

Business Services

If you're a business owner, you'll appreciate our business banking services that include merchant services and business loans. These tools are designed to help your business thrive and grow within the community.

Digital Banking Convenience

In today's fast-paced world, we know convenience is key. That's why Blueox offers robust online and mobile banking features. With just a few taps on your smartphone or clicks on your computer, you can manage your accounts from anywhere at any time. Our mobile payments feature makes transactions even easier while ensuring security.

Get in Touch!

Ready to explore all that Blueox has to offer? Call us at (517) 279-8059 or visit us at 415 N Willowbrook Rd Coldwater Mi 49036 today! Our friendly staff is here to assist you with any questions about our services or help you get started on your financial journey. Join us in making your banking experience not just convenient but enjoyable!

Home Financing

For those dreaming of homeownership or looking to refinance their existing mortgage, our mortgage loans are here to assist. We understand that buying a home is one of the biggest decisions you'll make, which is why we work closely with our members to find the right mortgage solution that fits their financial situation.

Personal Banking

Our personal banking services include checking and savings accounts tailored to fit various lifestyles. If you're saving for a special occasion or managing everyday expenses, we have account options that can help you reach your goals. Additionally, if you're considering purchasing a new vehicle or refinancing your current one, our auto loans and vehicle financing solutions are designed with competitive rates and flexible terms. When life throws unexpected expenses your way, our personal loans and debt consolidation options provide the support you need. Plus, with our credit cards that offer rewards, you can earn while spending on everyday purchases.

Digital & Online Banking

Key Features for Your Convenience

Our 24/7 online banking services allow you to access your accounts whenever you need to, without the hassle of traditional banking hours. You can check balances, transfer funds, and even make person-to-person transfers with ease. Whether you're sending money to a friend or paying bills, our platform is designed for simple navigation and quick transactions. One of the standout features is our mobile application. This app not only supports all your banking needs but also includes mobile payments, letting you pay directly from your phone at participating merchants. Plus, with electronic signature authorization, signing documents is a breeze no more printing or scanning!

Stay Organized and Informed

We know how important it is to keep track of your finances, which is why we offer e-statements that provide a clear view of your account activities without the clutter of paper statements. With real-time updates and notifications, you can stay informed about your financial health right from your device. Security is a top priority for us at Blueox. We utilize advanced measures to protect your data while ensuring that our services remain user-friendly. Your information stays safe, giving you peace of mind as you manage your finances online. Experience the freedom of modern banking with Blueox today! Visit https://ignitecreditunion.com/ to explore all the digital services available at your fingertips.

Financial Strength

Community Trust

Total Share and Deposit Accounts stand at 70,215, showcasing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $296,037, demonstrating our capacity to support your needs effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Blueox is your trusted partner. Visit us at 415 N Willowbrook Rd Coldwater Mi 49036 or call (517) 279-8059 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

With $17,167,187 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 robust, with $4,483 in used auto loans and $284,489,265 in total loans and leases supporting your financial goals across various sectors.

Member-Focused Savings

Members' savings are secured through $55,825,323 in share certificates and $75,817,372 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $5,975,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $1,118,767 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 133 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Health

With a net worth of $38,715,170, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,043 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 provide some of the lowest rates in the industry. We have already issued over $67,106,829 in used vehicle loans and $38,891,903 in new vehicle loans, helping many members get on the road without breaking the bank. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, we have options that suit your budget.

Business Loans

For business owners looking to expand or enhance their operations, our outstanding commercial loans total $11,050,022. This capital can assist you in taking your business to the next level.

Credit Lines

Our total credit lines amount to $43,301,606, providing additional flexibility for managing larger purchases or unexpected costs. These lines can be an excellent resource for those who prefer having funds available as needed. We invite you to explore these opportunities further. If you're considering refinancing or want more details about eligibility for any of our loan products, please don't hesitate to reach out. 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 Blueox be your partner in achieving financial success!

Mortgage Loans

Thinking about homeownership? Our mortgage options are designed to make buying or refinancing simple. With $22,583,052 allocated for Junior Lien 1-4 Family Residential Property loans, we can help turn your dream of owning a home into reality. We also offer refinancing options to help you lower your monthly payments or access cash from your home's equity.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. That's why we provide flexible terms on unsecured credit card loans, totaling $9,549,383 in loans available to our members. This option allows you to handle unforeseen expenses and manage your finances more effectively.

Loan Aggregator

Benefits of Using LendMesh

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IGNITE CREDIT UNION - Coldwater, MI