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

Introduction

Welcome to Circle, your trusted partner in financial wellness! Nestled at 507 E Main St, Niles, MI 49120, our branch has been proudly serving the community since 1975. With a strong commitment to our members, we've grown to support over 5,900 individuals and families, making us not just a credit union, but a vital part of your financial journey. At Circle, we understand that every member's needs are unique. That's why we offer a variety of personal banking services including checking and savings accounts, auto loans, mortgages, and credit cards with rewards. We also provide business banking solutions like merchant services and business loans. As of now, our total assets stand at an impressive $110,228,504, backed by a robust net worth of $9,038,836. Our dedicated team of 37 employees, led by CEO Susan Larson and Board President Richard Knott, is here to ensure you receive personalized service tailored to your financial goals. Whether you're looking to secure an auto loan from our total loan portfolio of 2,589 or simply want to explore how our online and mobile banking services can make managing your finances easier, we're here for you. While members can visit us at our branch for all their banking needs, official correspondence should be sent to our mailing address at PO Box 490, Niles, MI 49120. We invite you to experience the difference that comes with being part of Circle Credit Union. Give us a call at (269) 684-6005 or visit our website at www.circlefcu.org for more information. Join us today and let's work together towards achieving your financial dreams!

Branch History & Mission

Join Us!

We invite you to become part of the Circle family. Experience the advantages of being a member of a credit union that prioritizes your financial well-being while giving back to the community. Discover how Circle can help you achieve your financial goals today! Visit us online at circlefcu.org or stop by our branch your journey towards financial empowerment starts here!

Our Journey

Circle began its journey with a simple yet powerful mission: to provide accessible financial services that empower individuals and businesses alike. From modest beginnings, we have evolved into a full-service credit union offering a wide range of products including checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards. Our growth is not just measured in numbers; it reflects our dedication to fostering strong relationships within the community. As we celebrate our history, we also embrace the future. We have integrated modern conveniences such as online banking, mobile payments, and e-statements to ensure our members can manage their finances easily and securely. With ADA compliance and customer-centric initiatives in place, we strive to create an inclusive environment where everyone feels welcome.

Our Mission

At Circle, our mission goes beyond just providing financial services. We are dedicated to uplifting our community through partnerships and outreach efforts. We believe that when our members succeed financially, the entire community benefits. This commitment drives us to engage in local events and support various charitable organizations throughout Niles. Our operating hours reflect our desire to be available when you need us most: Monday through Thursday from 9:00 AM to 5:00 PM and Tuesday from 10:00 AM to 5:00 PM. Additionally, our drive-thru service offers convenient access for quick transactions without leaving your vehicle. While members can visit us at 507 E Main St Niles Mi 49120, official correspondence should be sent to PO Box 490, Niles, MI 49120. For any inquiries or assistance you may need, feel free to reach out to us at (269) 684-6005.

Branch Location & Accessibility

Call to Action

We invite you to stop by and experience the welcoming atmosphere of Circle Niles Branch today! Explore how we can help you achieve your financial goals while enjoying the convenience of a local credit union. Your financial journey starts here!

Convenience and Accessibility

Finding us is easy! Our branch is situated near local landmarks that many residents know well. With ample parking available right outside, visiting us is hassle-free. Plus, our building is ADA compliant, ensuring that everyone can access our services comfortably. While members can visit us at 507 E Main St Niles Mi 49120, official correspondence should be sent to our mailing address at PO Box 490, Niles, MI 49120.

Operating Hours

We understand that your time is valuable. That's why we offer flexible operating hours to accommodate your busy schedule. You can stop by on Mondays, Wednesdays, and Thursdays from 9:00 AM to 5:00 PM. On Tuesdays, we open a bit later at 10:00 AM but still close at 5:00 PM. Our Fridays feature main lobby hours from 9:00 AM to 5:00 PM as well.

Services Available

At Circle Niles Branch, we provide a wide range of services tailored to meet your needs. Whether you're looking for checking and savings accounts, auto loans, mortgage refinancing, or even credit cards with rewards, we've got you covered! We also offer basic drive-thru banking for your convenience and ATM access for quick cash withdrawals or balance checks. Our friendly staff is always ready to assist you with any questions or services you may need. Feel free to give us a call at (269) 684-6005 if you have any inquiries before your visit!

Member Eligibility

Joining the Circle family at Circle is more than just opening an account; it's stepping into a community that cares about your financial well-being. If you live, work, or worship in the Niles area, you're likely eligible to become a member! We welcome individuals who share our values and want to be part of a supportive network. To learn more about the specific eligibility criteria, feel free to visit our eligibility page. Becoming a member at Circle, located at 507 E Main St Niles Mi 49120, opens up a world of benefits tailored for you. From competitive loan rates to personalized service, we strive to make your banking experience easy and fulfilling. Ready to take the next step? You can find all the details for account opening on our account setup page or give us a call at (269) 684-6005. We're excited to welcome you into our community!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer comprehensive merchant services that make transactions easier for you and your customers. Imagine having a reliable partner who helps you manage payments seamlessly, allowing you to focus on what really matters growing your business. Our tools can help streamline your operations, making it easier for you to accept payments and manage cash flow effectively. Visit us at 507 E Main St Niles Mi 49120 in Niles, MI or call us at (269) 684-6005 to explore how our business banking and commercial services can propel your business forward. Together, let's build a brighter future for your enterprise!

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

Business Banking Services

For small business owners, Circle offers specialized services including merchant services and business loans. We understand the unique challenges that come with running a business, which is why we aim to support you with flexible financing options and tools that simplify transaction processes.

Convenient Access Points

Accessing your money has never been easier. Our branch features a drive-thru service for quick deposits, withdrawals, and simple transactions without leaving your vehicle. Plus, with our ATM availability, you can perform essential functions like cash withdrawals and balance checks at any time.

Credit Card Rewards

Don't forget about our credit cards with rewards! These cards not only offer the convenience of cashless transactions but also allow you to earn points on purchases that can be redeemed for exciting rewards. It's an easy way to make the most out of your everyday spending.

Digital Banking Features

In today's fast-paced world, we know how important it is to have banking solutions that fit into your lifestyle. That's why we offer robust online and mobile banking features. You can manage your accounts, pay bills, transfer funds between accounts, and even send money directly to friends through our person-to-person payment service all from the comfort of your home or on the go. At Circle in Niles, MI, we are dedicated to providing exceptional service in every aspect of your financial journey. If you're ready to explore how we can assist you further or if you'd like more information about becoming a member, don't hesitate to reach out at 269-684-6005, or visit us online at Circle FCU. We look forward to serving you!

Loans for Every Need

When it comes to financing, we've got you covered with a variety of loan options. If you're thinking about purchasing a new car, our auto loans and vehicle financing make it straightforward to get behind the wheel without stretching your budget too thin. For homeowners, our mortgage loans and refinancing options can help make your dream home a reality. Additionally, if life throws unexpected expenses your way, our personal loans and debt consolidation options are here to provide relief.

Personal Banking Solutions

Whether you're looking to manage everyday expenses or plan for future goals, our personal banking services are tailored just for you. We offer both checking and savings accounts that help you keep track of your finances easily. Imagine being able to set up automatic savings transfers while enjoying the convenience of checking your balance anytime through our online and mobile banking platforms.

Digital & Online Banking

Easy Access Anytime, Anywhere

Our online banking services are available 24/7, giving you the flexibility to check your account balances, transfer funds, and pay bills whenever it suits you. Just visit https://www.circlefcu.org/ to get started. Whether you're at work or relaxing at home, you'll have real-time access to your accounts, making it easy to stay on top of your finances.

Go Mobile

For those who prefer banking on the move, our mobile application is here to help. With mobile payments enabled, making purchases directly from your phone is quick and straightforward. You can download our app today and experience the convenience of banking in your pocket. At Circle, we are committed to providing services that enhance your banking experience while ensuring that everything remains user-friendly and accessible. Explore all the benefits of digital banking today!

Pay with Ease

Need to send money quickly? Our person-to-person transfer feature allows you to easily send money to friends or family members without any hassle. It's fast and convenient perfect for those moments when cash just won't cut it.

Security You Can Trust

Your security is our priority. We use advanced technology to keep your personal information safe while you bank online. Plus, with electronic signature authorization available, signing documents is simple and secure. You can enjoy peace of mind knowing that every transaction is protected.

Stay Updated with E-Statements

Say goodbye to paper clutter! With e-statements available, you can view and manage your statements electronically. This not only helps you stay organized but also reduces your environmental footprint.

Financial Strength

A Growing Member Base

Total Share and Deposit Accounts: 15,786, showing a strong and growing member base that trusts us with their finances. 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 507 E Main St Niles Mi 49120 or call (269) 684-6005 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.*

Investing in Your 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. We are dedicated to supporting your financial goals across various sectors; currently, we have $731 in used auto loans and $82,725,686 in total loans and leases.

Operational Efficiency

Our operational efficiency is reflected in our $718,874, 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.

Secure Savings Options

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.

Strong Capital Foundation

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 and $0 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new or used vehicle, our dedicated team can guide you through every step of the process.

Credit Lines and Unsecured Credit Card Loans

For those looking for additional flexibility, we also provide credit lines with a total amount of $13,665,000 available for our members. Plus, we have flexible terms on unsecured credit card loans, with a total of $1,563,352 in loans helping members manage their finances effectively. These products are great for unexpected expenses or everyday purchases. At Circle, we believe that everyone deserves access to financial resources that support their goals. If you're considering refinancing any existing loans or exploring eligibility options for our products, feel free to reach out. Our team is ready to assist you with personalized advice and solutions tailored just for you. You can contact us at (269) 684-6005, or visit us at our branch located at 507 E Main St Niles Mi 49120 in Niles, MI. Let's work together towards achieving your financial dreams! *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

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. We offer various terms and assistance to help you find the right fit for your budget.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment ensures that users receive fair and transparent offers. By partnering with trusted financial institutions, LendMesh guarantees that the information you see is both reliable and relevant.

CIRCLE FEDERAL CREDIT UNION