Chief Financial Credit Union Pontiac MI | Affordable Auto Loans & ATM Services

Introduction

Welcome to Chief Financial, your trusted partner in financial services located at 790 Joslyn Ave, Pontiac, MI 48340. Since our establishment in 1941, we have proudly served our community with a commitment to excellence and member satisfaction. With over 20,556 members and total assets exceeding $207 million, we are dedicated to helping you achieve your financial goals. At Chief Financial, we understand that every member's needs are unique. That's why we offer a wide range of services including personal banking, auto loans, mortgage financing, and business banking solutions. Our team is here to support you through every step of your financial journey. Under the leadership of our CEO, Tom Dluzen, and Board President, Melody Sugden, we strive to create a welcoming environment where you can feel confident about your finances. Our experienced staff of 46 employees is always ready to assist you with any questions or concerns. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be sent to the same address: 790 Joslyn Ave, Pontiac, MI 48340. With a strong net worth of $23,911,586 and total deposits amounting to $14,608,634, Chief Financial stands as a pillar of stability in the community. We take pride in offering accessible services like online banking and mobile payments to make managing your finances easier than ever. If you're ready to experience personalized service with a focus on community impact, we invite you to stop by or give us a call at (248) 335-9493. Discover how Chief Financial can help you thrive financially!

Branch History & Mission

Our Journey

Chief Financial started as a small credit union with a simple goal: to provide accessible financial services that empower individuals and families. As we evolved through the years, we embraced innovation while staying true to our core values of integrity, service, and community support. Our journey has been marked by significant milestones, including expanding our services to include personal banking, auto loans, mortgage loans, and business banking solutions. Located conveniently on Joslyn Ave, our branch is easily accessible for all your banking needs. Whether you're visiting us for deposits or exploring loan options, you'll find a welcoming atmosphere where our dedicated staff is ready to assist you. For those who prefer online services, we offer robust digital banking features that allow you to manage your finances from anywhere.

Our Mission

At Chief Financial, our mission is clear: to improve the financial well-being of our members while actively contributing to the community's growth. We believe that everyone deserves access to quality financial services tailored to their unique needs. That's why we focus on providing personalized service and fostering relationships built on trust. We also take pride in giving back to the Pontiac area through various outreach programs and partnerships that support local initiatives. By participating in community events and supporting local charities, we aim to uplift those around us and create a positive impact. While members can visit us at 790 Joslyn Ave Pontiac Mi 48340, official correspondence should be sent to 790 Joslyn Ave, Pontiac, MI 48340. Our operating hours are Monday through Wednesday from 9:30 AM to 5:00 PM, Thursday and Friday from 9:30 AM to 6:00 PM, and Saturday from 9:30 AM to 12:00 PM. We also offer convenient drive-thru banking and ATM access for added flexibility. Join us at Chief Financial and become part of a community-focused credit union that prioritizes your financial goals while making a difference right here in Pontiac. We invite you to experience firsthand how we can help you thrive financially while contributing positively to our beloved community. Reach out today at (248) 335-9493 or visit our website at Chief Financial. Let's grow together!

Branch Location & Accessibility

Operating Hours

We understand that life can be busy, which is why we offer flexible operating hours. Visit us Monday through Wednesday from 9:30 a.m. to 5:00 p.m., and on Thursday and Friday until 6:00 p.m. Need to stop by on Saturday? Our drive-thru is open from 9:30 a.m. to 12:00 p.m., making it easy for you to fit banking into your weekend plans.

Services Available

At Chief Financial, we pride ourselves on providing a wide range of services tailored to meet your needs. Whether you're interested in checking and savings accounts, auto loans, mortgage refinancing, or credit cards with rewards our knowledgeable staff is here to guide you through every step of the process. Plus, with ATM availability and drive-thru banking options, managing your finances has never been easier! While members can visit us at 790 Joslyn Ave, official correspondence should be sent to the same address for consistency. If you have any questions or need assistance, don't hesitate to reach out at 248-335-9493. Come see us today and discover how Chief Financial can help you achieve your financial goals!

Member Eligibility

Joining the Chief Financial family is like stepping into a community where your financial well-being is our top priority. To become a member, you need to meet some simple eligibility criteria, which mostly revolve around living, working, or attending school in the areas we serve. It's as easy as that! Whether you're looking for personal banking options, loans, or just want to be part of a supportive network, Chief Financial welcomes you with open arms. For specific details about membership eligibility, feel free to check out this resource: . Opening an account at Chief Financial is straightforward and inviting. You can start your journey towards better banking today by giving us a call at (248) 335-9493, or simply visiting us at our location on 790 Joslyn Ave Pontiac Mi 48340. We're here to help you every step of the way!

Business Banking & Commercial Services

Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $26 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $43 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $9,663,673, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to our loan offerings, we provide merchant services that simplify payment processing for your business. Imagine being able to accept payments seamlessly whether in-store or online without hassle. Our solutions empower you to focus on what you do best while leaving the payment complexities to us. Located at 790 Joslyn Ave Pontiac Mi 48340 in Pontiac, MI, we're here to partner with you for your financial success. Reach out at (248) 335-9493 today, and let's discuss how we can help your business thrive!

Comprehensive List Of Services

Business Banking

For entrepreneurs and small business owners, we offer specialized business banking services including merchant services and business loans. You can focus on growing your business while we handle the financial side.

Convenient Access

We know convenience is key in today's busy world. That's why we have ATM access for quick cash withdrawals and drive-thru banking for simple transactions like deposits and withdrawals. Plus, our shared branch transactions allow members from partner credit unions to perform basic banking tasks at our location. In addition to these services, Chief Financial prides itself on offering robust online and mobile banking platforms where you can manage all aspects of your finances from anywhere. With features like person-to-person payments and e-statements, staying on top of your finances has never been easier. If you're ready to experience personalized financial service tailored just for you, visit us at Chief Financial in Pontiac or give us a call at 248-335-9493. Your journey toward financial empowerment begins here!

Credit Cards with Rewards

Our credit cards not only provide a safe way to make purchases but also come with rewards that let you earn while you spend! Whether it's cashback on groceries or points toward travel, enjoy benefits that enhance your everyday spending.

Home Loans

Thinking about buying a home? Our mortgage loans come with flexible options and refinancing solutions designed to make homeownership more accessible. With guidance from our experienced staff, you can navigate the process smoothly and confidently.

Personal Banking

Whether you're looking to open a new checking or savings account, we have options designed to fit your lifestyle. Our personal banking services offer flexibility and convenience, allowing you to manage your funds easily through online and mobile banking. Imagine being able to check your balance, transfer money, or pay bills right from your phone that's what we strive for!

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's why we offer personal loans for those moments when you need extra cash. Additionally, if you're looking to manage debt more effectively, our debt consolidation services can help simplify your payments into one manageable monthly amount.

Vehicle Financing

If you're in the market for a new car or need financing for a vehicle, our auto loans provide competitive rates and terms tailored for you. Picture driving off in your dream car with an affordable payment plan that fits your budget. We also assist with vehicle refinancing, ensuring you get the best possible deal.

Digital & Online Banking

Key Features

Our online banking platform, available at http://www.chiefonline.com , is user-friendly and packed with features that make banking a breeze. You can check your account balance, transfer funds, and pay bills all from the comfort of your home or on the go. Plus, with our 24/7 online banking services, you never have to worry about whether the bank is open; your accounts are always at your fingertips. For those who prefer managing their finances via mobile devices, our mobile application makes it easy to bank right from your phone. Whether you're making person-to-person transfers or tapping into mobile payments, everything is just a swipe away. And if you ever need to review past statements, you'll appreciate the convenience of e-statements, which provide a quick and eco-friendly way to keep track of your transactions.

Security and Accessibility

Your security is our top priority. While we currently do not offer electronic signature authorization, we ensure that all online activities are protected with robust security measures. This means you can feel confident when accessing your financial information. With our digital banking tools, you can manage your money in real-time no more waiting for statements to arrive in the mail or calling during business hours for assistance. Everything you need is right where you need it: in our secure online environment. Experience the convenience of modern banking today! Whether it's through our website or mobile app, Chief Financial has made it easier than ever for you to stay connected with your finances. Visit us at http://www.chiefonline.com to learn more about how we can help simplify your banking experience.

Financial Strength

Committed Team at Your Service

Behind our success is a dedicated team. With 43 full-time employees and 3 part-time employees, we ensure that our branches are always ready to serve you with knowledgeable support.

Growing Together

We proudly serve a robust community with a total of 30,384 share accounts, showing the trust our growing member base places in us. With net shares available for lending and investments totaling $0, we remain well-positioned to help you achieve your dreams. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Chief Financial is your trusted partner. Visit us at 790 Joslyn Ave Pontiac Mi 48340 or call (248) 335-9493 to learn more about how we can help you achieve your financial goals.

Member Savings and Investments

Your savings are secure with us. We hold $44,619,199 in share certificates and $29,486,363 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members evident with non-member deposits totaling $32,208,695. This focus allows us to provide better loan rates, lower fees, and exclusive perks designed just for you.

Our Financial Health

With a net worth of $23,911,586, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This strong foundation is further supported by our net worth ratio of $1,152, which demonstrates our solid capital base. This means we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvesting for Your Benefit

Our commitment to you extends beyond just managing funds; with $18,208,252 in undivided earnings, we reinvest in innovative banking tools and stronger lending options. This ensures that we continually enhance our security measures and improve the services we offer.

Supporting Your Financial Goals

We understand the importance of access to credit when it comes to achieving your financial goals. That's why we provide $4,394 in used auto loans and have a total of $147,733,915 in loans and leases available to support various financial needs. Our operational efficiency is demonstrated through our impressive net income of $133,446, allowing us to keep offering competitive loan rates and solid financial products for all members.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $55,901,632 in used vehicle loans and $17,317,086 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, ensuring you find the right fit for your budget.

Business Financing

For business owners seeking growth opportunities, our outstanding commercial loans totaling $9,663,673 provide the capital needed to expand operations or invest in new projects. We are committed to supporting local businesses and helping them thrive in our community.

Credit Lines and Unsecured Loans

For those looking for extra flexibility, we offer total credit lines amounting to $53,155,578. This allows you to manage unexpected expenses or make larger purchases without stress. Additionally, we also provide flexible terms on unsecured credit card loans, with a total of $685,437 in loans helping members manage their finances effectively.

Customer Support

Our dedicated team is here to assist you every step of the way. Whether you're applying for a loan or have questions about refinancing options, feel free to reach out at 248-335-9493 or visit us at 790 Joslyn Ave, Pontiac MI 48340. We're open Monday through Wednesday from 9:30 a.m. to 5:00 p.m., Thursday and Friday from 9:30 a.m. to 6:00 p.m., and Saturday from 9:30 a.m. to 12:00 p.m. 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 Chief Financial, we're here to help you navigate your financial options with confidence!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $4,893,892, make buying or refinancing simple. We believe that owning a home should be attainable for everyone. If you're considering refinancing your current mortgage, our team can guide you through the eligibility options available.

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CHIEF FINANCIAL FEDERAL CREDIT UNION