Consumers Kalamazoo MI Credit Union | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to Consumers, your trusted credit union located at 1900 S Drake Rd, Kalamazoo, MI 49006. Established in 1964, we have proudly served our community for nearly six decades, building a strong foundation of trust and reliability among our 142,950 members. With total assets exceeding $2.38 billion, we are committed to providing financial solutions that meet your unique needs. At Consumers, we believe in the power of community and strive to make a positive impact. Our dedicated team of 431 employees, led by CEO Scott Sylvester and Board President Kim Shook, works tirelessly to ensure you receive the best service possible. We offer a range of services including personal banking, auto loans, mortgage financing, and business banking solutions all designed with you in mind. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: 1900 S Drake Rd, Kalamazoo, MI 49006-5716. We invite you to explore our offerings further on our website at consumerscu.org. With total deposits of $65,993,314 and a net worth of $223,309,042, we're not just about numbers; we're about empowering you to achieve your financial goals. Whether you're looking for a new loan or simply need assistance with your account, feel free to call us at (269) 345-7804 during our office hours: Monday through Wednesday from 9 a.m. to 5:30 p.m., Thursday and Friday from 9 a.m. to 6 p.m., and Saturday from 9 a.m. to 12 p.m. Our drive-thru service is also available longer on weekdays until 7 p.m. Join us as we continue to grow together because at Consumers, you are more than just a member; you are part of our family. Visit us today!

Branch History & Mission

A Legacy of Growth

From our inception, Consumers has focused on providing exceptional financial services while fostering a sense of community. Our journey reflects not only our growth in membership and assets but also our dedication to the people we serve. As a member-owned credit union, every decision we make prioritizes the best interests of our members. We aim to empower them financially through various services like personal banking, auto loans, mortgages, and business banking. Our commitment extends beyond financial transactions; we actively engage in community outreach initiatives that support local events and programs. By partnering with local organizations and schools, we strive to uplift those around us and contribute positively to Kalamazoo's vibrant culture.

Join Us Today!

As we continue to grow and adapt to meet our members' needs, we invite you to experience the benefits of being part of Consumers. Whether you're looking for a new checking account or considering a loan for your next vehicle or home purchase, we're here to help every step of the way. Come visit us during our operating hours Monday through Wednesday from 9 a.m. to 5:30 p.m., Thursday and Friday from 9 a.m. to 6 p.m., and Saturday from 9 a.m. to 12 p.m. and discover how Consumers can help you achieve your financial dreams! For any questions or assistance, feel free to call us at (269) 345-7804. Join us today and be part of something special!

Our Mission

At Consumers, our mission is simple yet profound: to enhance the financial well-being of our members while being a responsible neighbor in the communities we serve. We believe in making banking accessible for everyone by offering personalized services designed to help each member achieve their financial goals. We are dedicated to advancing technology for better service delivery. Our online and mobile banking platforms ensure that members can manage their finances conveniently from anywhere. Additionally, we maintain ADA compliance across all branches to ensure accessibility for all individuals. While you can visit us at our branch address for any banking needs or inquiries, official correspondence should be sent to 1900 S Drake Rd, Kalamazoo, MI 49006-5716 if needed.

Branch Location & Accessibility

Accessibility Features

At Consumers, we prioritize your convenience and accessibility. Our branch is designed to be welcoming for everyone, featuring ADA-compliant entrances and ramps to ensure ease of access. You'll find ample parking available right outside, making it simple for you to hop in and out.

Operating Hours

We know that life can get busy, which is why we offer flexible operating hours tailored to fit your schedule. Our lobby is open Monday through Wednesday from 9 a.m. to 5:30 p.m., Thursday and Friday until 6 p.m., and on Saturday from 9 a.m. to 12 p.m. For those who prefer drive-thru banking, our tellers are ready to assist you Monday through Friday from 9 a.m. to 7 p.m., and Saturday from 9 a.m. to 1 p.m.

Services Offered

Consumers offers a wide range of services designed with you in mind. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got something for everyone. Need cash? Our ATM is available for quick withdrawals and balance checks, ensuring you have access whenever you need it.

Visit Us Today!

We invite you to come by Consumers at Corner@drake! If you have questions or need assistance before your visit, feel free to give us a call at 269-345-7804. We're excited to welcome you into our community and help you achieve your financial goals!

Member Eligibility

Becoming a member of Consumers feels like joining a warm and welcoming family where your financial needs are prioritized. If you're a resident of Michigan or work in the area, you're likely eligible to join us. We embrace individuals from various walks of life, whether you're looking for personal banking services or business solutions. At Consumers, we pride ourselves on offering our members not just great products but also a community that cares. To find out more about specific eligibility criteria, feel free to visit our website. Joining is simple! You can open an account online or visit us at our branch located at 1900 S Drake Rd Kalamazoo Mi 49006. Our friendly team is ready to guide you through the process and answer any questions you might have. For more details on how to get started, check out the account opening information available. If you prefer to speak with someone directly, give us a call at (269) 345-7804. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine a busy Saturday morning at your store. Customers are coming in, eager to make purchases, but you want to ensure every transaction goes smoothly. Our merchant services provide reliable payment processing solutions that keep your sales flowing without a hitch. From credit card acceptance to online payment options, we make it easy for you to focus on what you do best running your business. Located at 1900 S Drake Rd Kalamazoo Mi 49006 in Kalamazoo, MI, our team is ready to help you explore how our business banking services can empower your success. Contact us at (269) 345-7804 to learn more!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $2,206 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $265,279,836, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

For entrepreneurs and small business owners, our Business Banking services include Merchant Services & Business Loans designed to help your business thrive. We know that running a business comes with its own set of challenges, so we strive to provide tools and support tailored to meet those needs.

Credit Cards

With our Credit Cards with Rewards, you can earn points on every purchase perfect for those who love to travel or enjoy shopping perks. It's like getting rewarded for spending money on the things you already buy!

Digital Banking Solutions

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking options. From checking your balance to making payments or transferring funds all at your fingertips! Plus, with our ATM services available around the clock and basic drive-thru banking for quick transactions, accessing your money has never been easier.

Everyday Transactions

Need to make a deposit or withdrawal? Our basic drive-thru banking allows for quick transactions without leaving your vehicle. For additional flexibility, our ATMs let you withdraw cash and check balances anytime. We invite you to experience the difference at Consumers in Kalamazoo. Our friendly team is ready to assist you with any questions or concerns. Don't hesitate to reach out at 269-345-7804 or visit us in person! Discover how we can help fulfill all your financial needs today!

Loans and Financing

When it comes to financing options, our Auto Loans & Vehicle Financing make it easy for you to get behind the wheel of your dream car without breaking the bank. We also provide Mortgage Loans & Refinancing, helping you navigate homeownership or adjust your current mortgage for better terms. If life throws unexpected expenses your way, our Personal Loans & Debt Consolidation can be a real lifesaver.

Personal Banking

Starting with personal banking, we offer Checking & Savings Accounts that cater to various lifestyles and preferences. Imagine having a convenient checking account for everyday purchases alongside a savings account that helps you set aside funds for future goals. It's about making your money work for you while keeping things simple.

Digital & Online Banking

At Consumers, we understand that convenience and security are crucial for your banking needs. That's why our digital and online banking services are designed to make managing your finances easier than ever, right from the comfort of your home or on the go. Whether you're checking balances, making transfers, or paying bills, you can do it all with just a few clicks. Our online banking platform is available 24/7 at https://www.consumerscu.org/, allowing you to access your accounts anytime, anywhere. You can easily view your transactions, transfer funds between accounts, and even send money to friends or family through our person-to-person transfer feature. This makes splitting bills or sending a gift simple and hassle-free. For those who prefer mobile banking, our user-friendly mobile application is available for download. With features like mobile payments, you can make secure transactions directly from your smartphone. Plus, signing up for e-statements means you can keep track of your financial activities without the clutter of paper statements. Security is a top priority at Consumers. Our systems are built to protect your information so you can bank with peace of mind. While we currently do not offer electronic signature authorization, rest assured that your online experience remains safe and reliable. Managing your finances should be easy and accessible, and our digital banking services reflect that commitment. Explore everything we have to offer today at https://www.consumerscu.org/ your financial journey starts here!

Financial Strength

A Growing Community of Members

The strength of our credit union is evident in our growing membership base. We currently manage a total of 308,686 share accounts, showing that many trust 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, Consumers is your trusted partner. Visit us at 1900 S Drake Rd Kalamazoo Mi 49006 or call 269-345-7804 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 Back into Your Community

With $218,884,511 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is impressive: we currently have $39,075 in used auto loans and total loans and leases amounting to $2,091,705,346. This extensive range helps support your financial goals across various sectors.

Member-Centric Savings Options

Your savings are our priority. We have $648,052,464 in share certificates and $521,996,529 in money market shares, offering stable and rewarding financial growth opportunities for our members. Unlike traditional banks, we prioritize you; with non-member deposits at $9,403,000, we ensure that our resources are focused on benefiting you through better loan rates and exclusive perks.

Operational Efficiency

Our operational efficiency shines through with a net income of $0, reflecting our commitment to providing solid financial products without compromising quality service. We are proud to have 418 full-time employees and 13 part-time employees, ensuring our branches are always ready to assist you with knowledgeable support.

Solid Financial Health

With a net worth of $223,309,042, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 935% 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 $644,590,085 in used vehicle loans and $178,224,989 in new vehicle loans already helping members get on the road. Whether you're eyeing a brand-new model or a reliable used vehicle, we can help you secure financing that fits your budget.

Commercial Loans

For business owners looking for capital to grow and expand, our outstanding commercial loans totaling $265,279,836 provide essential funding. We understand the unique challenges businesses face and are committed to supporting our local entrepreneurs. In addition to these offerings, we have various refinancing options available that can save you money over time. Our knowledgeable staff is here to discuss your eligibility and help tailor solutions that suit your individual circumstances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Whether you're exploring loan options for personal use or business purposes, Consumers is here to support you every step of the way!

Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $42,872,491 in loans helping members manage their finances effectively, our credit cards come with rewards and benefits tailored for everyday spending. They can be an excellent tool for building credit while enjoying additional perks.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $128,065,957, allowing you to take the next step toward owning your home. If you're considering refinancing an existing mortgage, our team can guide you through the eligibility process and help you find the best terms available.

Loan Aggregator

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CONSUMERS CREDIT UNION - Kalamazoo, MI

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