Community Financial Lewiston MI Credit Union | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Community Financial in Lewiston, where we believe in building a brighter financial future for our members. Located at 4970 Salling Avenue, Lewiston, MI 49756, our branch has been a cornerstone of the community since 1951. With a membership base of over 84,000 individuals, we are committed to providing exceptional service and tailored financial solutions to meet your needs. As a member-owned credit union, we prioritize your financial well-being above all else. Our total assets exceed an impressive $1.5 billion, allowing us to offer competitive rates on loans and deposits. Currently, we hold $20,614,641 in deposits and have facilitated over 50,311 loans and leases for our valued members. This reflects our strong dedication to supporting the local economy and helping you achieve your personal and business financial goals. While you can visit us at our branch location for all your banking needs, please note that any official correspondence should be sent to our mailing address: PO BOX 9, Lewiston, MI 49756. At Community Financial, our leadership team is here to guide you every step of the way. Under the direction of CEO Tansley Stearns and Board President Teresa Kuehn, we strive to create an environment that fosters trust and reliability. Our team of 375 employees is ready to assist you with everything from checking accounts to auto loans and mortgage financing. We invite you to experience the difference at Community Financial! Whether you're looking for a new loan or simply want to explore your savings options, our friendly staff is just a phone call away at 877-937-2328. Visit us today or check out our website at www.cfcu.org for more information on how we can help you reach your financial dreams!

Branch History & Mission

Commitment to Innovation and Accessibility

As technology evolves, so do we. Our branch embraces digital advancements that allow members to manage their finances conveniently through online banking and mobile apps. We are committed to making banking accessible for everyone, ensuring that all facilities meet ADA standards for inclusivity. With ATM access available and drive-thru banking options for quick transactions, we prioritize convenience while maintaining a personal touch with each visit.

Community Engagement

Our journey would not be complete without recognizing the importance of community involvement. From sponsoring local events to partnering with organizations that support education and wellness initiatives, Community Financial believes in giving back. We are here not just as your credit union but as an active participant in making Lewiston a better place for all. We invite you to join us at Community Financial! Experience firsthand how our member-focused approach can help you achieve your financial goals while being part of a caring community. For more information or assistance, feel free to call us at 877-937-2328 or visit us during our operating hours Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 12 PM. Together, let's build a brighter future!

Our Mission

At Community Financial, our mission is clear: we aim to empower our members by offering personalized financial solutions that enhance their lives. We believe in building strong relationships within the community and supporting local initiatives. Our focus extends beyond just financial transactions; we strive to make a real difference in the lives of those around us. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing, we tailor our services to meet your needs. We also provide business banking solutions like merchant services and business loans because we understand that local businesses are vital to a thriving community.

Branch Location & Accessibility

Banking Options at Your Fingertips

We also offer convenient features such as drive-thru banking and ATM access so you can manage your finances without stepping inside if you're short on time. Our friendly staff is always ready to assist with services like checking and savings accounts, auto loans, mortgage options, personal loans, and much more. If you're looking for a supportive financial partner in Montmorency County, look no further than Community Financial! Feel free to give us a call at 877-937-2328 or simply drop by our branch we can't wait to meet you!

Convenient Access and Features

Our branch is designed with your comfort in mind. We have ample parking available right outside our doors, making it easy for you to stop by and take care of your banking tasks. Plus, we are committed to being accessible to everyone, featuring ADA-compliant ramps and pathways. While you can visit us at 4970 Salling Avenue for all your banking needs, please remember that any official correspondence should be sent to our mailing address: PO BOX 9, Lewiston, MI 49756.

Friendly Service Hours

At Community Financial, we understand that life can get busy. That's why we offer flexible operating hours to fit your schedule. Our lobby is open Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 12 PM. Whether you're coming in for personal banking services or just need some quick assistance, we're here for you.

Member Eligibility

At Community Financial, we believe in creating a welcoming community where everyone can thrive. Becoming a member is easy and opens the door to a world of financial benefits tailored just for you. If you live, work, worship, or attend school in our local area or have a family member who is already part of our community, you're likely eligible to join us! We invite you to check out the detailed eligibility criteria on our website at . Once you're ready to take that next step, opening an account with us is straightforward! Just visit our account opening page at https://loans.cfcu.org , or feel free to give us a call at (877) 937-2328 if you have any questions. Your journey toward financial well-being starts here at Community Financial, located at 4970 Salling Avenue Lewiston Mi 49756. We can't wait to welcome you into our 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

In addition to loans, we offer practical merchant services that make transactions smoother for you and your customers. Imagine being able to process payments quickly, manage cash flow effectively, and focus on what matters most growing your business. Our tools help simplify payment processing so you can deliver exceptional service without the hassle. Visit us at 4970 Salling Avenue Lewiston Mi 49756 in Lewiston, MI, or call us at (877) 937-2328 to learn how we can help your business thrive!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing options help make that dream a reality. We offer competitive rates and flexible terms so you can find the perfect loan that fits your budget. With our simple application process, you'll be cruising in no time.

Business Banking

For our business members, we offer comprehensive services like merchant services and business loans to help grow your enterprise. We understand the challenges businesses face today, which is why our solutions are designed with you in mind. From everyday transactions to larger investments, we've got you covered.

Credit Cards with Rewards

If you're looking for ways to maximize your spending power, consider our credit cards with rewards. Enjoy benefits like cashback on purchases or travel points while building credit responsibly. It's an easy way to make your everyday spending work harder for you!

Easy Access Services

In addition to all these offerings, we ensure easy access with ATM services and cash withdrawal options available at our branch. Need to make a quick deposit or withdrawal? Our drive-thru banking makes it simple for you without needing to leave your car. With all these services at hand, Community Financial is here to support you every step of the way. If you're ready to take control of your financial future or have questions about any of our offerings, don't hesitate to reach out! Call us at 877-937-2328, visit us in person at our Lewiston branch, or explore more online at Community Financial. Let's start this journey together!

Mortgage Solutions

When it comes to securing a home, our mortgage loans and refinancing options can guide you through the process smoothly. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, our knowledgeable staff will assist you in finding the right solution that meets your financial goals.

Personal Banking

Starting with personal banking, we know how important it is for you to manage your money effectively. Our checking and savings accounts are tailored to fit your lifestyle, whether you're saving for a vacation or managing daily expenses. Imagine having the flexibility to access your funds anytime through our online and mobile banking platforms. You can check balances, transfer money, and pay bills from the comfort of your home or on the go.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, but don't worry! Our personal loans and debt consolidation services are here to help manage those challenges. Whether it's funding home improvements or consolidating existing debts into one manageable payment, we'll work with you to create a plan that suits your situation.

Digital & Online Banking

Always Available

With 24/7 online banking services, you have the freedom to manage your accounts when it suits you best. No more rushing before closing hours; whether it's early morning or late at night, we're here for you. At Community Financial, we believe in making banking accessible and straightforward so that you can focus on what truly matters. Join us today at https://www.cfcu.org/ and discover how our digital banking solutions can enhance your financial experience!

Key Features

Security is a top priority for us. That's why we utilize electronic signature authorization to ensure that your transactions are protected. You can also opt for e-statements, which not only help you stay organized but also reduce paper clutter keeping your finances green and efficient. If you need to send money quickly to friends or family, our person-to-person transfer feature makes it simple and fast. Say goodbye to writing checks or searching for cash! And if you're looking for an easy way to make purchases, our mobile payments feature allows you to pay directly from your phone.

Financial Strength

Commitment to Growth

With $142,809,034 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports members' financial goals across various sectors with $19,655 in used auto loans and $1,413,612,142 in total loans and leases. Our operational efficiency is reflected in our net income of $538,150, 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 team.

Member Savings Security

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 Health

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.

Trusted Partnership

Net Shares (Funds available for lending and investments): $8,067,076. Total Share Accounts: 208,374, 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 or borrowing or planning for the future, Community Financial is your trusted partner. Visit us at 4970 Salling Avenue Lewiston Mi 49756 or call 877-937-2328 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Loan Services

For business owners seeking growth opportunities, our outstanding commercial loans totaling $152,128,207 provide the capital needed to expand your operations. Whether you're starting a new venture or need funds for an existing business project, we're here to support you every step of the way. Our commitment to serving our members means we're always looking for ways to enhance your experience. Feel free to reach out to us at (877) 937-2328 or visit us at 4970 Salling Avenue Lewiston Mi 49756, Lewiston, MI for personalized assistance tailored to your financial situation. 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 Community Financial, we believe that everyone deserves access to affordable financial solutions let us help you find the right loan today!

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, you can trust us to provide competitive financing options that fit your budget. We also offer refinancing options for existing auto loans to help you save even more!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple and accessible. We provide Junior Lien 1-4 Family Residential Properties loans totaling $278,078,749, giving you a solid foundation for your home purchase or refinance needs. Our team is here to guide you through the process so you can feel confident in your decision.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. That's why we offer flexible terms on unsecured credit card loans. With a total of $43,116,550 in unsecured credit card loans helping members manage their finances effectively, you can enjoy peace of mind knowing that there's an option available for unexpected costs or planned purchases.

Loan Aggregator

Benefits of Using LendMesh

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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 ensures that every offer presented is fair and transparent, making it easier for you to find the right loan for your needs.

COMMUNITY FINANCIAL CREDIT UNION - Lewiston, MI