Christian Financial Credit Union Saint Clair Shores MI

Introduction

Welcome to Christian Financial, your trusted partner in financial well-being since 1967! Located at 31065 Harper Ave, Saint Clair Shores, MI 48082, our St. Clair Shores Branch is dedicated to serving our community with integrity and care. With a total membership of over 56,000 and assets exceeding $876 million, we're proud to be a cornerstone of financial support for individuals and families in the area. At Christian Financial, we understand that banking goes beyond transactions; it's about building relationships. Whether you're looking for personal banking services, auto loans, or business financing solutions, we are here to help you achieve your financial goals. Our total deposits stand at a solid $51.9 million, showcasing our commitment to providing secure and reliable services for our members. Under the leadership of our CEO, Patricia Campbell, and Board President, James Banaszak, we strive to create a welcoming environment where every member feels valued. Our team of 182 dedicated employees is here to assist you with personalized service tailored to your unique needs. While you can visit us at our branch for face-to-face assistance, official correspondence can be directed to the same address: 31065 Harper Ave, Saint Clair Shores, MI 48082. We invite you to explore our wide range of services available through online and mobile banking platforms at Christian Financial. Join us today and become part of a community-focused credit union that puts its members first! For any inquiries or assistance, feel free to call us at 586-296-5980. Let's work together towards a brighter financial future!

Branch History & Mission

Community Engagement

Christian Financial takes pride in being more than just a financial institution. Our branch actively engages in community outreach efforts aimed at enhancing the well-being of those around us. We believe that by investing in our local community, we can help foster growth and prosperity for all residents. As we look toward the future, we invite you to join us on this journey. Experience the benefits of being part of a credit union that genuinely cares about its members and strives for excellence in every service provided. If you're ready to take your financial journey to new heights with Christian Financial, reach out or visit us today!

Embracing Technology

We recognize the importance of digital advancements in today's fast-paced world. That's why we offer online banking and mobile payment options to ensure our members have convenient access to their accounts anytime, anywhere. Our commitment to customer service also includes ADA compliance initiatives that make our services accessible for everyone.

Our Mission

At Christian Financial, our mission is clear: to provide our members with exceptional financial services while fostering a strong sense of community. We understand that each member's needs are unique; that's why we offer a variety of products including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. Our commitment extends beyond just financial products; we strive to support our local community through outreach efforts and partnerships that make a difference. While members can visit us at 31065 Harper Ave for in-person assistance during our operating hours Monday through Friday from 9:00 AM to 6:30 PM and Saturday from 9:00 AM to 2:00 PM official correspondence should be sent to the same address.

Branch Location & Accessibility

Call-to-Action

We invite you to visit us at our St. Clair Shores location! Our friendly team is ready to assist you with all your banking needs. Don't hesitate to drop by or call us with any questions you may have your financial well-being is our top priority!

Convenient Access

Our branch features ample parking, ensuring you can stop by without any hassle. We're also proud to be ADA compliant, with accessible ramps and entrances for all our members. Whether you're visiting us for personal banking or looking for support with loans and services, we aim to provide a warm welcome and ease of access.

Operating Hours

We know that life can get busy, so we offer flexible operating hours to fit your schedule. Visit us Monday through Friday from 9:00 AM to 6:30 PM and on Saturday from 9:00 AM to 2:00 PM. If you need assistance outside these hours, feel free to give us a call at 586-296-5980.

Services Offered

At Christian Financial, we provide a range of banking services designed to meet your needs. From checking and savings accounts to auto loans, mortgages, and even business banking solutions, we're here to help you manage your finances effectively. Plus, enjoy the convenience of our ATM services right at the branch.

Member Eligibility

At Christian Financial, we believe that everyone deserves the chance to be part of a caring community that prioritizes their financial well-being. Becoming a member is simple and welcoming! If you live, work, or worship in our vibrant Saint Clair Shores area, you're likely already eligible. Our friendly team is eager to help guide you through the process of joining us. Enjoy a range of benefits including competitive loan rates, personalized service, and access to our diverse banking products designed just for you. To get started, check out the detailed eligibility criteria available at . When you're ready to open your account, visit us at https://www.christianfinancialcu.com/about/contact/opt-in-to-receive-special-offers/ or give us a call at (586) 296-5980. We can't wait to welcome you to the Christian Financial family at 31065 Harper Ave, Saint Clair Shores, MI 48082!

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 $192 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $251 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $52,762,833, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine being able to accept payments easily and efficiently. Our merchant services empower your business with tools to manage transactions seamlessly. This means you can focus on serving your customers while we handle the payment processing making life simpler for you and enhancing customer satisfaction. Located at 31065 Harper Ave Saint Clair Shores Mi 48082, Saint Clair Shores, MI, our dedicated team is ready to partner with you. For personalized assistance, call us at (586) 296-5980 or visit us during our lobby hours from Monday to Friday, 9:00 AM - 6:30 PM. Let's work together to turn your business vision into reality!

Comprehensive List Of Services

ATM Access & Shared Branching

Need cash quickly? Our ATM services ensure you can access your funds effortlessly. We also provide basic shared branch transactions, allowing members of partner credit unions to deposit or withdraw funds conveniently through our network. At Christian Financial, we're not just about transactions; we're about building relationships with our members and supporting their financial well-being. If you're curious about how we can assist you further or if you have any questions about our services, feel free to reach out at (586) 296-5980 or visit us during our operating hours: Monday through Friday from 9:00 AM to 6:30 PM and Saturday from 9:00 AM to 2:00 PM. Explore all that we have to offer at St. Clair Shores Branch your trusted partner in achieving financial success!

Business Banking Solutions

For our local business owners, we offer a suite of business banking services, including merchant services and business loans that can help fuel growth and streamline operations. Our team understands the challenges faced by small businesses and is committed to providing support tailored just for you.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer comprehensive online and mobile banking features that allow you to manage your accounts anytime, anywhere. Whether it's checking balances, transferring funds, or paying bills on the go, our digital tools are designed to make banking simpler for you.

Loans for Every Need

Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation options come into play. Whether you're looking to consolidate existing debt or cover unforeseen costs, we've got flexible solutions ready for you. Plus, our credit cards with rewards let you earn benefits on everyday purchases, making spending more rewarding.

Personal Banking Services

Our personal banking services are crafted with you in mind. We offer checking and savings accounts that make it easy for you to manage your day-to-day finances while saving for the future. If you're looking to purchase a vehicle, our auto loans and vehicle financing options provide competitive rates that can help you drive off in style without breaking the bank. For those thinking about homeownership, we also have mortgage loans and refinancing solutions tailored to fit different budgets and lifestyles.

Digital & Online Banking

E-Statements and Mobile Payments

Say goodbye to paper statements! With e-statements available, you can easily view your financial records online without the clutter of paperwork. And if you're into mobile payments, you'll love that we support this feature too making it easier than ever to make purchases directly from your phone. At Christian Financial, we strive to provide our members with accessible and user-friendly digital banking solutions that fit into their busy lives. Whether you're checking your balance before heading out or making a quick payment at a café, our services are designed to help you stay in control of your finances effortlessly.

Key Features

Our online banking platform allows you to check balances, pay bills, and transfer money right from the comfort of your home or on the go. If you're looking to send money quickly, our person-to-person transfer feature makes it simple. Plus, with our mobile application available for download, you can manage your finances from your smartphone anytime. Security is a top priority for us. While we don't offer electronic signature authorization, we ensure that all transactions are protected with advanced security measures so you can bank with peace of mind.

Financial Strength

A Solid Foundation

With a net worth of $93,231,457, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.62% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Commitment to Growth

With $70,894,178 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; we have $69,979 in used auto loans and a total of $639,134,211 in loans and leases available to support your financial goals across various sectors.

Member Trust

Total Share Accounts stand at 153,736, showcasing a strong and growing member base that trusts us with their finances. Additionally, our net shares available for lending and investments amount to $369,005, highlighting our dedication to meeting your needs efficiently. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Christian Financial is your trusted partner. Visit us at 31065 Harper Ave Saint Clair Shores MI 48082 or call 586-296-5980 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $0 net income reflects our commitment to providing quality services while managing expenses effectively. We also take pride in having 171 full-time employees and 11 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Security for Your Savings

Members' savings are secured through $221,106,806 in share certificates and $131,810,146 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $110,536,820 in used vehicle loans and $26,059,841 in new vehicle loans already helping members get on the road. Whether you're eyeing a brand-new model or a reliable used vehicle, we have competitive rates and flexible terms that make it easy for you to drive away with confidence.

Business Financing

For business owners, our outstanding commercial loans totaling $52,762,833 provide the capital needed to grow and expand your enterprise. With personalized support and guidance from our team at Christian Financial, you'll find solutions that cater specifically to your business needs. At Christian Financial located at 31065 Harper Ave Saint Clair Shores MI 48082, we are committed to serving our community through tailored financial solutions. For more information or to discuss eligibility options for any of our loan products, please don't hesitate to reach out at 586-296-5980 during our operating hours: Monday-Friday 9:00am - 6:30pm and Saturday 9:00am - 2:00pm. 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 with us!

Credit Lines

Need extra flexibility? Our credit lines totaling $99,500,000 provide an excellent option for those looking for convenient access to funds when they need them most. This product is perfect for managing larger purchases or unexpected expenses.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $33,407,090, which can help you secure the home you've always wanted. We also offer refinancing options to help you adjust your mortgage to better fit your current financial situation.

Unsecured Credit Card Loans

Managing your finances effectively is crucial in today's world. We offer flexible terms on unsecured credit card loans, with a total of $27,166,751 in loans available to our members. These cards come with rewards and benefits that can help you navigate everyday expenses without added stress.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool is designed to help you navigate the lending landscape with ease. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This means that all information is based on the latest results, giving users access to fair and transparent offers (Source: https://www.ncua.gov ). One of the key benefits of using LendMesh is its commitment to verified data. All loan offers come from legitimate financial institutions, ensuring transparency and trustworthiness. Additionally, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. Instead, the focus remains on providing unbiased results that empower users to make informed decisions. Another significant advantage is the real-time rate comparisons available on LendMesh. Users can see up-to-date loan rates from multiple institutions, allowing them to weigh their options effectively. Thousands of users trust LendMesh for loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" If you're ready to compare real-time loan offers today, visit LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

CHRISTIAN FINANCIAL CREDIT UNION