Community Financial Atlanta MI Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Community Financial, your trusted credit union located at 12483 State St, Atlanta, MI 49709. Established in 1951, we have proudly served our community for over 70 years, building lasting relationships with our members and providing them with the financial support they need. With a strong membership base of 84,060 individuals and total assets reaching an impressive $1,547,538,402, we are committed to helping you achieve your financial goals. At Community Financial, we believe in the power of community. Our dedicated team of 375 employees, led by CEO Tansley Stearns and Board President Teresa Kuehn, works tirelessly to offer personalized services tailored to meet the unique needs of our members. Whether you're looking for checking accounts, auto loans, or mortgage options, we have solutions designed just for you. While you can visit us at our branch location in Atlanta, feel free to reach out to us at 877-937-2328 for any inquiries or assistance. If you prefer official correspondence, please send it to our mailing address: 12483 State St, PO Box 596, Atlanta, MI 49709. With a solid net worth of $153,985,145 and total deposits amounting to $20,614,641, we're here to ensure your money is safe and growing. Our commitment extends beyond just finances; we aim to uplift our community through various initiatives that make a positive impact. Explore more about what we offer by visiting our website at www.cfcu.org. We invite you to experience the Community Financial difference where you're not just a member; you're part of our family. Join us today and take the first step toward a brighter financial future!

Branch History & Mission

A Legacy of Growth

Throughout our history, Community Financial has consistently evolved to meet the changing needs of our members. Our journey began with a simple mission: to provide accessible financial solutions while fostering a sense of community and belonging. As we expanded our offerings over the years including personal banking services, auto loans, mortgages, and business banking we remained focused on the goal of empowering individuals and families in our community. With total assets exceeding $1.5 billion today, our growth reflects not only the trust placed in us by our members but also our unwavering commitment to their financial well-being. We strive to ensure that every member feels valued and supported.

Join Us

As we look ahead, we invite you to become part of the Community Financial family. Whether you're seeking a checking account or looking for guidance on financing your next vehicle or home, we're here for you every step of the way. Experience the benefits of being part of a credit union that truly cares about its members. For any official correspondence, please use our mailing address at PO Box 596, Atlanta, MI 49709. To learn more about what we offer or to open an account today, visit us online at Community Financial or call us at 877-937-2328. Together, let's build a brighter financial future!

Our Mission Statement

At Community Financial, we believe that financial services should be more than just transactions they should be about building lasting relationships and making a positive impact on lives. Our mission is clear: to help our members achieve their dreams by providing personalized financial solutions while actively supporting local initiatives that strengthen our community. From educational workshops on budgeting and saving to partnerships with local organizations that uplift those in need, we are dedicated to giving back and fostering growth within Atlanta and its surrounding areas.

Branch Location & Accessibility

Welcome to Community Financial located at 12483 State St, Atlanta, MI 49709! Nestled in the heart of Montmorency County, our branch is easily accessible and designed with your convenience in mind. Whether you're stopping by for a quick transaction or looking to explore our full range of banking services, we are here to help. Our location is just a stone's throw away from local landmarks, making it easy to pop in while you're out and about. Plus, you'll find plenty of parking available right outside our doors, ensuring your visit is hassle-free. We also take pride in being accessible to everyone, with features like ADA-compliant ramps for those who need them. At Community Financial, we understand that your time is valuable. That's why we offer flexible operating hours: Monday through Thursday from 9:00 a.m. to 5:00 p.m., Friday from 9:00 a.m. to 6:00 p.m., and Saturday from 9:00 a.m. to 12:00 p.m. Our friendly staff is ready to assist you during these hours with services including checking and savings accounts, auto loans, mortgages, and more. For added convenience, we have an ATM on-site and a drive-thru service for quick transactions without leaving your vehicle. Whether you need cash or want to make a deposit on the go, we've got you covered. If you prefer to handle matters from home or on the move, don't forget that online and mobile banking options are also available! While members can visit us at 12483 State St, official correspondence should be sent to PO Box 596, Atlanta, MI 49709. Ready to see how Community Financial can serve your needs? Give us a call at 877-937-2328, or better yet, stop by today! We look forward to welcoming you into our community.

Member Eligibility

At Community Financial, we believe that everyone deserves the chance to be part of a community that truly cares. Becoming a member is simple and welcoming, making it easy for you to access a range of services tailored just for you. To join us, you typically need to live, work, worship, or attend school in our vibrant local area. This means that if you're a part of our community in any way, you're likely eligible to enjoy the benefits we offer. Once you're ready to take the next step, opening an account is straightforward! Just visit us at our branch located at 12483 State St Atlanta Mi 49709, or give us a call at (877) 937-2328 for more information on how to get started. You can also check out our website at for the most up-to-date eligibility details. We can't wait to welcome you into the Community Financial family!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $148 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $897 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $152,128,207, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine having the ability to accept payments from customers easily whether they prefer credit cards, debit cards, or mobile payments. Our merchant services simplify transactions so you can focus on what you do best: growing your business. By using our services, you gain access to tools that make managing cash flow easier and more efficient. Located at 12483 State St, Atlanta, MI 49709, we invite you to explore how Community Financial can partner with your business on this journey toward success. For inquiries, call us at 877-937-2328 or visit our website at www.cfcu.org. Let's build something great together!

Comprehensive List Of Services

ATM Services

Need cash quickly? Our branch offers ATM and cash withdrawal services, along with basic drive-thru banking for deposits, withdrawals, and simple transactions. This means you can handle your banking needs without stepping inside if you're short on time. At Community Financial, we're committed to making sure every member feels supported in their financial journey. If you'd like to learn more about any of these services or have specific questions, don't hesitate to reach out! Call us today at (877) 937-2328, or visit us at Community Financial Atlanta online at our website. Let's work together towards achieving your financial goals!

Business Banking

For entrepreneurs, we offer comprehensive business banking services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, our team is ready to assist you in navigating the financial aspects of running a business.

Credit Cards and Rewards

Don't forget about our credit cards with rewards! These cards not only offer convenience for daily purchases but also give you points that can be redeemed for exciting rewards. Picture yourself enjoying a weekend getaway funded by the rewards you've earned just by shopping!

Digital Banking Convenience

In today's fast-paced world, having access to your finances anytime, anywhere is crucial. That's why we provide robust online and mobile banking features that allow you to check balances, pay bills, and transfer funds with just a few taps on your smartphone. Our easy-to-use platform ensures that managing your money is straightforward and convenient.

Personal Banking

Whether you're opening your first checking account or saving for a big purchase, our personal banking services cater to everyone. With options like checking and savings accounts, you can manage your everyday finances effortlessly. For those looking to buy a new car or refinance an existing loan, our auto loans and vehicle financing solutions offer competitive rates and flexible terms. Imagine driving off in that new vehicle with peace of mind knowing you secured the best deal available! If you're considering buying a home or refinancing your current mortgage, our mortgage loans and refinancing options are tailored to suit your goals. We also provide personal loans and debt consolidation services to help simplify your finances. Our aim is to support you in achieving financial freedom.

Digital & Online Banking

Key Features for Your Convenience

Managing your money is easier than ever with features like electronic signature authorization, which allows you to complete transactions without having to visit a branch. Plus, our e-statements give you a clear view of your account activity while being eco-friendly no more paper clutter! For those who love using their smartphones, our mobile application offers everything you need on the go. You can also take advantage of mobile payments, making it easy to shop securely without carrying cash or cards. And if you need to send money to friends or family, our person-to-person transfer feature lets you do just that with just a few taps.

Online Banking Services

With our 24/7 online banking services available at https://www.cfcu.org/ , you can access your accounts anytime, anywhere. Whether you're checking balances, paying bills, or transferring funds, our platform makes it simple and secure. You can feel confident knowing that your information is protected with the latest security measures.

User-Friendly Experience

We aim to create an experience that is not only user-friendly but also empowering. With real-time account management tools and straightforward navigation, handling your finances has never been simpler. Whether you're a tech-savvy user or new to online banking, you'll find our services easy to understand and use. Experience the freedom and flexibility of digital banking at Community Financial today! Whether it's through your computer or mobile device, we're here to support your financial journey every step of the way.

Financial Strength

Commitment to Growth

With $142,809,034 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 $19,655 in used auto loans and $1,413,612,142 in total loans and leases, supporting members' financial goals across various sectors.

Member Trust

Total Share and Deposit Accounts: 208,374, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $8,067,076. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Community Financial is your trusted partner. Visit us at 12483 State St Atlanta Mi 49709 or call (877) 937-2328 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $538,150 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 362 full-time employees and 13 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secured Savings

Members' savings are secured through $473,595,720 in share certificates and $293,676,051 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $20,975,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Position

With a net worth of $153,985,145, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $993 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 $339,720,564 in used vehicle loans and $100,532,198 in new vehicle loans already helping members get on the road. Whether you're interested in a brand-new model or a reliable pre-owned vehicle, we provide competitive financing options that make purchasing your next car straightforward and affordable.

Business Financing

For business owners, our outstanding commercial loans totaling $152,128,207 provide the capital needed to grow and expand your business. We understand that every business has different needs; therefore, we work closely with you to create tailored financing solutions that suit your specific goals.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $278,078,749, make buying or refinancing simple. We offer various mortgage products designed for first-time buyers as well as seasoned homeowners looking to refinance at lower rates.

Refinancing Options

If you're considering refinancing any existing loans, we have options available that could help reduce your monthly payments or lower your interest rate. Our team is ready to discuss eligibility requirements and how we can assist you in making the most financially sound decisions. For more information on our loan offerings or to see how we can assist you in reaching your financial aspirations, please visit us at 12483 State St Atlanta Mi 49709, Atlanta, MI, or call us at (877) 937-2328. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We look forward to helping you navigate your financial journey!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $43,116,550 in loans helping members manage their finances effectively. These cards come with no collateral requirement, making it easy for you to access funds when you need them without the burden of securing them against an asset.

Loan Aggregator

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 ensures that users receive fair and transparent offers. By tapping into verified financial institutions, LendMesh guarantees that the information presented is not only accurate but also reliable.

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions. This commitment to transparency means users can trust the information they see. - No Sponsored Listings: Unlike many comparison tools that prioritize lenders based on paid promotions, LendMesh provides unbiased results. The focus is solely on delivering genuine comparisons to users. - Real-Time Rate Comparisons: The platform showcases up-to-date loan rates from multiple institutions, empowering users to make informed choices quickly. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback reinforces the platform's credibility and effectiveness. If you're ready to find the best loan rates available, compare real-time loan offers today at LendMesh and discover options that meet 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.

COMMUNITY FINANCIAL CREDIT UNION