Community First Howard City MI Credit Union | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Community First, your trusted financial partner in Howard City, Michigan! Located at 837 W Shaw St Bldg B, Howard City, MI 49329, our branch has been serving the community since 1985. With a commitment to enhancing the financial well-being of our 13,182 members, we pride ourselves on offering personalized banking solutions that cater to your unique needs. As a proud member of the Community First family, you benefit from our impressive assets of $131,102,679, reflecting our stability and reliability. We understand that every dollar counts, which is why we have successfully facilitated over 6,886 loans and leases while maintaining total deposits of $2,918,819. Our net worth stands strong at $10,178,865, ensuring that your financial future is secure with us. Led by our dedicated CEO Timothy Rasmussen and Board President John Schwandt, our team of 61 employees is here to provide you with exceptional service. Whether you're looking for checking accounts, auto loans, or business banking services, we're ready to help you achieve your goals. While members can visit us at our branch location for all their banking needs, official correspondence should be directed to the same address: 837 W Shaw St Bldg B, Howard City, MI 49329. For any inquiries or assistance, feel free to reach out at 231-937-9400 or explore our website at Community First. Join us today and discover how we can support you in reaching your financial aspirations! Your journey towards financial success starts here at Community First!

Branch History & Mission

Embracing Innovation

As times change, so do we. Community First embraces digital advancements that enhance your banking experience. With online banking and mobile applications available, managing your finances has never been easier. We ensure our facilities comply with ADA standards so that everyone can access our services comfortably. While our main focus remains on personal connections and community involvement, we also recognize the importance of convenience. That's why we offer ATM services for easy cash access. Although we don't have drive-thru banking at this location, our friendly staff is always ready to help 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.

Join Us!

As we continue on this journey together, we invite you to become part of the Community First family. Experience the difference of a credit union that truly cares about its members and community. For any inquiries or assistance, feel free to reach us at (231) 937-9400 or visit us at cffcu.biz. Together, let's build a brighter financial future!

Our Mission

At Community First, we believe in putting people first. Our mission is not just about banking; it's about building relationships. We aim to offer a range of services including checking and savings accounts, vehicle financing, mortgage loans, credit cards with rewards, and business banking solutions. Each service is designed with our members' needs in mind. We also take pride in our commitment to community support. From local partnerships to outreach programs, we strive to make a positive impact beyond financial services. Whether it's through sponsoring local events or providing educational resources, we are dedicated to making Howard City a better place for everyone.

Branch Location & Accessibility

A Convenient Stop for Everyone

At Community First, we understand that accessibility is key. Our branch is designed with your comfort in mind. Parking is available right outside our doors, making it simple to pop in for a quick transaction or a longer visit. We also ensure that our facilities comply with ADA standards, so everyone can enjoy our services without barriers.

Get in Touch

If you have any questions or need assistance, don't hesitate to reach out! You can call us at (231) 937-9400 for immediate help or just come by and see us our friendly staff is ready to assist you. Whether you're a long-time member or thinking about joining our community, we invite you to visit the Community First Howard City Branch today!

Operating Hours That Fit Your Schedule

We know life gets busy! That's why we're 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. These hours allow you to plan your visit at a time that suits you best.

Services Designed for You

At the Howard City Branch, we offer a variety of services tailored to meet your financial needs. Whether you're looking for personal banking options like checking and savings accounts, auto loans, or credit cards with rewards, we've got you covered. Plus, with ATM availability on-site, accessing cash has never been easier!

Member Eligibility

At Community First, we believe that everyone deserves a place to belong. Becoming a member is not just about opening an account; it's about joining a community that supports each other. If you live, work, or attend school in the areas we serve, you're already eligible to join us! We welcome individuals from all walks of life and aim to make banking accessible and friendly for everyone. To learn more about the specific eligibility requirements, feel free to check out our website at . Starting your journey with Community First is as simple as reaching out to us! You can visit our branch located at 837 W Shaw St Bldg B Howard City Mi 49329 or give us a call at (231) 937-9400 during our convenient operating hours. Ready to take the first step? Our easy account opening process is detailed at https://www.cffcu.biz/scholarship/ , where you can find everything you need to get started. Join us today and experience the benefits of being part of a caring financial community!

Business Banking & Commercial Services

Merchant Services That Make Sense

Imagine having a partner that not only provides funding but also streamlines your payment processes. Our merchant services can enhance your operations by simplifying transactions, allowing you to focus on what truly matters growing your business. From credit card processing to online payment solutions, we ensure you have the tools needed to serve your customers effectively. Located at 837 W Shaw St Bldg B Howard City Mi 49329, our team is ready to support your business goals. Contact us at (231) 937-9400 or visit us online at https://www.cffcu.biz/ for more information on how we can assist you in taking the next step toward success.

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $33 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $4,728,385, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Accessibility

We believe that banking should be straightforward and accessible. Our basic ATM access allows you to withdraw cash or check balances with ease whenever you need it. If you're ready to take charge of your financial future or have any questions about how we can assist you further, don't hesitate to reach out! Call us at (231) 937-9400, or visit us at 837 W Shaw St Bldg B Howard City Mi 49329 in Howard City, MI. Discover how our range of services can work for you today!

Business Banking Services

For small business owners, we provide tailored solutions through our business banking services. From merchant services that facilitate transactions to business loans aimed at growing your enterprise, we're here to support local businesses every step of the way.

Credit Card Options

Our members can also enjoy the benefits of our credit cards with rewards. These cards not only help you manage expenses but also offer exciting perks for everyday purchases.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services. Accessing your accounts has never been easier; whether it's checking balances, transferring funds, or managing payments, everything is just a click away. Our members can also take advantage of ATM and cash withdrawal services available at locations throughout the area.

Personal Banking Solutions

We offer comprehensive personal banking services, including checking and savings accounts that help you manage your day-to-day finances with ease. Whether you're saving for a big purchase or just want a safe place for your money, our accounts are tailored to fit your lifestyle. For those looking to drive away in a new vehicle, our auto loans and vehicle financing options make it easy to secure the funds you need without breaking the bank. If homeownership is on your mind, explore our mortgage loans and refinancing solutions. We aim to help you find the right loan for your dream home at competitive rates. Additionally, we provide personal loans and debt consolidation services designed to simplify your financial obligations, making it easier for you to regain control over your finances.

Digital & Online Banking

Key Services

Our online banking platform is available 24/7, allowing you to check balances, transfer funds, and pay bills with just a few clicks. Need to send money to friends or family? Our person-to-person transfer feature makes it easy and quick, so you can send cash without the hassle of writing checks or visiting the branch.

Mobile Banking on the Go

For those who prefer managing their accounts on their phones, our mobile application is here for you! It's user-friendly and designed to fit into your busy lifestyle. Whether you're making payments or checking your balance during lunch breaks, everything is right at your fingertips. While mobile payments are not currently available, our commitment to improving our services remains strong. We're dedicated to ensuring that your banking experience is as smooth as possible. With all these features at Community First, managing your finances has never been easier! Join us today and take control of your financial future from the comfort of your home or on the go.

User-Friendly Features

Security is a top priority for us. With electronic signature authorization, you can sign documents digitally with confidence. Plus, our e-statements mean you'll have easy access to your account statements without the clutter of paper. It's not just about ease; it's about keeping your information safe while giving you control over your finances.

Financial Strength

Continuous Growth and Investment

With $9,538,706 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $1,655 in used auto loans and $117,267,393 in total loans and leases.

Member-Centric Focus

Members' savings are secured through $32,144,275 in share certificates and $1,599,277 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $4,009,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $640,159 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 56 full-time employees and 5 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $10,178,865, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $796 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trust Built Over Time

Total Share and Deposit Accounts: 28,732, showing a strong and growing member base that trusts us with their finances. This trust fuels our commitment to provide exceptional service while safeguarding your assets. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Community First is your trusted partner. Visit us at 837 W Shaw St Bldg B Howard City Mi 49329 or call (231) 937-9400 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $16,819,754 in used vehicle loans and $3,777,977 in new vehicle loans already helping members get on the road. We have facilitated 3310 total auto loans so far, making it easier than ever for you to drive away in a vehicle that fits your lifestyle.

Business Loans

For business owners seeking to expand or invest in their operations, our outstanding commercial loans totaling $4,728,385 provide the capital needed to grow and flourish. We understand the unique challenges businesses face and are committed to supporting our local economy through tailored lending solutions.

Eligibility and Refinancing Options

If you're considering refinancing any of your existing loans or want to explore eligibility options for our various products, don't hesitate to reach out. We believe in making financing accessible and straightforward for all our members. Feel free to visit us at 837 W Shaw St Bldg B Howard City Mi 49329, or give us a call at 231-937-9400 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. Let Community First help you take the next step towards achieving your financial aspirations!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $6,033,829, ensuring that you have the support needed for this significant investment. Whether you're purchasing your first home or refinancing an existing mortgage, we're here to assist you every step of the way.

Unsecured Credit Card Loans

Managing daily expenses can be challenging, which is why we also offer flexible terms on unsecured credit card loans. With a total of $1,163,446 in loans helping members manage their finances effectively, our credit cards come with competitive rates and rewards that can benefit your everyday spending.

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 sourcing ensures fair and transparent offers, allowing users to compare loans with confidence.

Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions, ensuring transparency in what users see. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results, allowing users to find the best options without hidden agendas. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions. This feature helps them make informed choices quickly and easily. 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!" This kind of feedback highlights the effectiveness and reliability of the platform.

Call to Action

Compare real-time loan offers today at 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.

COMMUNITY FIRST FEDERAL CREDIT UNION