Circle Credit Union Edwardsburg MI | Affordable Auto Loans & ATM Access

Introduction

Welcome to Circle, your trusted financial partner since 1975! Located at 68925 M62 Suite A, Edwardsburg, MI 49112, we take pride in serving our community with dedication and care. With a robust membership of 5,931 individuals, we are committed to providing personalized banking solutions that cater to your unique needs. At Circle, we understand that financial wellness is essential for everyone. That's why we offer a variety of services including checking and savings accounts, auto loans, mortgage options, and credit cards with rewards. Our members benefit from an impressive total asset value of $110,228,504 and total deposits amounting to $5,889,905. With a strong net worth of $9,038,836, you can trust that your funds are safe and secure with us. Led by our dedicated CEO Susan Larson and Board President Richard Knott, our team of 37 employees is here to assist you every step of the way. Whether you need help with personal banking or business financing, we have the expertise to guide you through it all. While members can visit us at our branch address for in-person assistance, official correspondence should be sent to 68925 M-62, Suite A, Edwardsburg, MI 49112-9150 if different from the physical location. We invite you to explore our services further by visiting our website at www.circlefcu.org. Feel free to call us at 269-414-4327 for any inquiries or assistance. Join us today and experience the Circle difference where your financial success is our top priority!

Branch History & Mission

Welcome to the Circle Edwardsburg Branch, where our commitment to community and financial wellness began in 1975. Nestled at 68925 M62 Suite A, Edwardsburg, MI, we have proudly served our members for decades. With a rich history that reflects our dedication to helping individuals and families thrive, we have grown alongside our community, evolving to meet the changing needs of our members. From our modest beginnings, Circle has blossomed into a trusted financial partner with over 5,900 members and total assets amounting to $110,228,504. Our mission is clear: we aim to provide accessible financial services while fostering a supportive environment that empowers our members. We believe in building lasting relationships based on trust and transparency. At the heart of our mission is the desire to uplift the community. We understand that finance is more than just numbers; it's about people. That's why we focus not only on providing personal banking services like checking and savings accounts, auto loans, and credit cards but also on giving back through community outreach initiatives. Whether it's sponsoring local events or partnering with schools and organizations, we strive to make a positive impact in Edwardsburg and beyond. While members can visit us at our branch location, official correspondence should be sent to 68925 M-62, Suite A, Edwardsburg, MI 49112-9150. Our operating hours are designed for your convenience: Monday through Friday from 9:00 AM to 5:00 PM, with extended hours on Tuesday from 10:00 AM to 5:00 PM and Saturday from 9:00 AM to 12:00 PM. We are here for you whether you prefer visiting us in person or utilizing our digital banking services such as online banking and mobile payments. Circle is proud to offer modern conveniences including ATM availability and drive-thru banking options, making it easier for you to access your finances when you need them most. Our commitment extends beyond transactions; we are dedicated to ensuring that all members feel welcome and supported. As we look towards the future, we invite you to become part of our growing family at Circle. Join us today and experience how together we can achieve your financial goals while enriching the community around us. Visit us online at Circle FCU or call us at 269-414-4327 for more information on membership and services. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility and Features

At Circle, we prioritize accessibility for all our members. Our branch is designed with ADA compliance in mind, featuring ramps and ample parking to ensure everyone can visit us comfortably. Plus, we offer both ATM access and drive-thru banking for your convenience, allowing you to manage your accounts quickly without leaving your car.

Operating Hours

We understand that life can be busy, which is why our operating hours are tailored to fit your schedule. You can visit us from 9:00 AM to 5:00 PM on Mondays, Wednesdays, Thursdays, and Fridays. On Tuesdays, we're open from 10:00 AM to 5:00 PM, and we welcome you on Saturdays from 9:00 AM until noon. Feel free to call us at 269-414-4327 if you have any questions or need assistance before you come in!

Services Offered

At Circle's Edwardsburg Branch, we offer a wide range of services designed to meet your financial needs from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. We also have credit cards with rewards and business banking services available. Whether you're looking for help with day-to-day transactions or planning for the future, our team is here to support you every step of the way. While members can visit us at 68925 M62 Suite A Edwardsburg Mi 49112, official correspondence should be sent to 68925 M-62, Suite A, Edwardsburg, MI 49112-9150 if different. We invite you to stop by Circle's Edwardsburg Branch today! Experience personalized service in a welcoming environment where every member matters. Whether you're opening a new account or just stopping by for some questions, we're excited to meet you!

Member Eligibility

Becoming a member of Circle feels like joining a close-knit family where everyone is valued and supported. To be eligible, you simply need to live, work, worship, or attend school in our community or have a family member who is already part of our credit union. We believe that everyone deserves access to affordable financial services, and that's why we strive to keep our membership inclusive and welcoming. If you're interested in learning more about the specific eligibility criteria, feel free to check out the details at http://www.circlefcu.org/become-a-member . Opening an account with us is straightforward and hassle-free! You can easily start your journey towards membership by visiting our account opening page at http://www.circlefcu.org/home_banking_login_31.html . If you have any questions or need assistance along the way, don't hesitate to reach out at (269) 414-4327. Our friendly team at Circle, located at 68925 M62 Suite A Edwardsburg Mi 49112, is here to help you every step of the way as you join our vibrant community!

Business Banking & Commercial Services

Merchant Services That Make Transactions Easy

In today's fast-paced market, having efficient payment solutions is vital. Our merchant services help streamline your transactions, enabling you to focus on what truly matters growing your business. Imagine a busy Saturday where customers are lined up to pay; with our services, you can process payments quickly and keep those sales coming. Visit us at 68925 M62 Suite A Edwardsburg Mi 49112 or call us at (269) 414-4327 to explore how our business banking and commercial services can empower your journey towards success!

Tailored Loan Options for Growth

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

Business Banking

If you're a small business owner, you'll find our business banking services particularly beneficial. We provide essential tools like merchant services to help streamline your transactions and business loans to support your growth ambitions.

Credit Cards and Rewards

We understand the importance of rewarding our members for their loyalty. That's why we offer credit cards with rewards that give back every time you spend. From cashback on purchases to points redeemable for travel and merchandise, these cards are designed with you in mind.

Digital Banking Made Easy

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features, allowing you to manage your accounts anytime, anywhere. With services like ATM access for withdrawals and balance checks, along with capabilities for mobile payments, you'll never be far from your finances.

In-Person Services

For those who prefer face-to-face interactions, we have basic drive-thru banking available for deposits, withdrawals, and simple transactions. Our friendly staff at the branch is always ready to assist you with any inquiries or support you might need. At Circle, we're not just about providing services; we're about building relationships that last. Your financial wellbeing is our priority, and we strive to ensure that every interaction leaves you feeling valued and empowered. To learn more about how we can assist you or to open an account today, feel free to reach out at (269) 414-4327 or visit us online at Edwardsburg Branch. Join our community and experience financial service designed just for you!

Personal Banking Solutions

Whether you're looking to open a new checking account or save for future goals, our personal banking services have got you covered. We offer checking and savings accounts designed to help you manage your finances efficiently. If you're considering purchasing a vehicle, explore our auto loans and vehicle financing options that can make your dream car a reality without breaking the bank. For those who are ready to invest in a home, we provide mortgage loans and refinancing solutions that cater to your unique situation. And if life throws unexpected expenses your way, our personal loans and debt consolidation services can help ease the burden.

Digital & Online Banking

Always Available

We offer 24/7 online banking services so that you can take control of your finances on your schedule. No matter if it's early in the morning or late at night, you'll have access to everything you need to manage your accounts effectively. At Circle, we prioritize both convenience and security, ensuring that you have a reliable way to stay connected with your finances. With our user-friendly digital banking tools, you'll find that managing your money has never been easier!

Stay Connected on the Go

For those who prefer mobile banking, our dedicated mobile application provides all the functionality you need right at your fingertips. Whether you're making person-to-person transfers or setting up mobile payments, everything is designed for quick and easy access. You can even check your account balances and transaction history whenever you need to.

User-Friendly Features

Our online banking services are not just convenient; they're also packed with features that make managing your money a breeze. You can enjoy the ease of e-statements, allowing you to view and manage your statements digitally without the clutter of paper. Plus, if you need to sign documents quickly, our electronic signature authorization makes it simple and secure.

Financial Strength

Growing Together

With total share accounts reaching 15,786, we're proud of the strong member base that trusts us with their finances. Our net shares available for lending are healthy at $537,728, which further emphasizes our ability to support your financial journey. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Circle is your trusted partner. Visit us at 68925 M62 Suite A Edwardsburg Mi 49112 or call (269) 414-4327 to learn more about how we can help you achieve your financial goals.

Investing in Our Future

With $8,245,304 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment enables us to support your financial goals effectively.

Lending Capacity

Our lending capacity is robust, with $731 in used auto loans and $82,725,686 in total loans and leases available for our members. This reflects our dedication to helping you achieve your dreams whether it's purchasing a new vehicle or financing other important life events.

Member Savings

Members' savings are secured through $27,589,996 in share certificates and $12,995,734 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $2,736,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $718,874 shows our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 35 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Our Financial Health

With a net worth of $9,038,836, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $819 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 $11,388,339 in used vehicle loans already helping members get on the road. We provide flexible terms and competitive rates that make it easier for you to drive away in your new or used vehicle.

Credit Lines

For those needing extra flexibility in managing expenses or unexpected costs, our total credit lines amounting to $13,665,000 ensure you have access to funds when you need them most.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $14,020,473, make 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 every step of the process.

Refinancing and Eligibility Options

If you're considering refinancing your current loans for better rates or terms, we encourage you to explore our options. Our team is ready to assist you with eligibility requirements and guide you through the refinancing process. 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 Circle, we prioritize your financial health and strive to provide lending solutions that work for you. For more information or assistance with any of our loan products, feel free to contact us at (269) 414-4327 during our operating hours: Monday through Friday from 9:00 AM - 5:00 PM (with extended hours on Tuesday) and Saturday from 9:00 AM - 12:00 PM.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,563,352 in loans helping members manage their finances effectively. This option provides an excellent way to make purchases while building your credit score.

Loan Aggregator

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CIRCLE FEDERAL CREDIT UNION - Edwardsburg, MI