Consumers Kalamazoo MI Credit Union | Credit Cards Rewards & Business Loans

Introduction

Welcome to Consumers Credit Union, located at 7200 Elm Valley Dr, Kalamazoo, MI 49009. Since our establishment in 1964, we have proudly served our community with a commitment to providing reliable financial services tailored to meet the needs of our 142,950 members. Our dedicated team of 431 employees, led by CEO Scott Sylvester and Board President Kim Shook, is here to ensure you feel valued and supported every step of the way. At Consumers, we understand that your financial journey is unique. That's why we offer a wide range of services including personal banking options, auto loans, mortgages, and business banking solutions. With total assets exceeding $2.38 billion and total deposits amounting to $65,993,314, our strong financial foundation allows us to provide you with competitive rates and robust support. For any official correspondence, please note that while you can visit us at our branch address, mail should be directed to: P.O. Box 525, Oshtemo, MI 49077. Our branch is not just a place for transactions; it's a hub for building relationships within the community. We are dedicated to making a positive impact through various initiatives that benefit local organizations and residents alike. Whether you're looking to open a checking account or need assistance with financing your next vehicle purchase, we invite you to reach out! Call us at (269) 345-7804 during our lobby hours from Monday through Friday, 9 AM to 4 PM. Join us today and discover how Consumers Credit Union can help you achieve your financial goals! For more information about our services or to become a member, visit us online at consumerscu.org.

Branch History & Mission

Community Engagement

Over the years, Consumers has actively engaged with the local community through various outreach programs and partnerships. We understand the importance of giving back and strive to support initiatives that uplift our neighborhoods. Our branch takes pride in being more than just a financial institution; we are a partner in your journey toward success. We embrace digital advancements that enhance your banking experience while ensuring compliance with ADA standards so that all members can enjoy our services without barriers. Our focus remains on customer satisfaction and building lasting relationships within the community. In summary, Consumers is more than just a credit union; we are a vital part of Kalamazoo's fabric. We invite you to join us at Consumers where your financial goals are met with personalized care and support. Come visit us today or reach out at 269-345-7804 to learn more about how we can help you thrive!

Our Mission

The mission of Consumers is simple yet profound: to provide exceptional financial services while making a positive impact on the lives of those we serve. We believe that everyone deserves access to affordable banking solutions that empower them to achieve their dreams. Whether it's helping you secure an auto loan or providing guidance on savings accounts, our dedicated team is here for you. As part of our commitment to innovation and accessibility, we offer various services such as personal banking, mortgage loans, business banking solutions, and online banking options. While we currently do not have ATM or drive-thru services available at this location, our friendly staff is always ready to assist during lobby hours Monday through Friday from 9 AM to 4 PM.

Branch Location & Accessibility

Accessibility and Features

Our branch is designed with your comfort in mind. While you can come see us at the Elm Valley address, please note that official correspondence should be sent to P.O. Box 525, Oshtemo, MI 49077 if that's more convenient for you. We offer ample parking right outside our doors, making it simple for you to drop by for all your banking needs. Plus, our facility meets ADA compliance standards to ensure that everyone can access our services without any barriers.

Operating Hours

We understand that life gets busy! That's why we are here for you Monday through Friday from 9 AM to 4 PM. Whether you're looking to open a new account or need assistance with an existing one, our friendly staff is ready to help during these hours.

Services Offered

At Consumers, we provide a range of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have what you need under one roof. While we don't currently offer ATM services or drive-thru banking, our dedicated team is on hand to assist you directly in the branch. If you're interested in learning more about how we can help you achieve your financial goals or if you have any questions, please don't hesitate to give us a call at 269-345-7804. We invite you to visit us soon and experience the welcoming environment that sets Consumers apart!

Member Eligibility

At Consumers, we believe that everyone deserves a chance to join our welcoming community and enjoy the benefits of membership. If you're looking to become a member, you'll be pleased to know that eligibility is quite straightforward! Our credit union warmly welcomes individuals who live, work, worship, or attend school in the Kalamazoo area. This means if you're part of our vibrant community, you can easily take the next step towards enjoying personalized financial services tailored just for you. Opening an account with us is designed to be a hassle-free experience. You can check out all the specific eligibility details on our website at . Once you're ready, visit us at 7200 Elm Valley Dr Kalamazoo Mi 49009 or give us a call at (269) 345-7804 during our convenient hours from Monday to Friday, 9 AM to 4 PM. We're excited to help you start your journey with Consumers and provide you with all the resources you need for your financial well-being!

Business Banking & Commercial Services

Merchant Services That Make Sense

But it doesn't stop at loans. Our merchant services simplify payment processing, allowing you to focus on what matters most running your business. Whether you're accepting credit cards or managing payroll, our tools help streamline operations and enhance customer experience. Located at 7200 Elm Valley Dr Kalamazoo Mi 49009 in Kalamazoo, MI, we're here to support your business every step of the way. For more information, give us a call at (269) 345-7804 or visit us online at https://www.consumerscu.org/ . Together, let's build the future of your business!

Tailored Loan Options

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 Services

If you're a business owner, our services extend to meet your needs as well. We provide merchant services that help streamline transactions for your business while offering various business loans to support growth and operations.

Embracing Digital Banking

In today's fast-paced world, convenience is key. At Consumers, we embrace technology with our robust online and mobile banking platforms. Manage your accounts anytime from anywhere with ease whether it's checking balances, transferring money, or making payments through our mobile app. Plus, our features include ATM and cash withdrawal services, ensuring you have access to your funds when needed.

Personal Banking Solutions

When it comes to personal banking, we provide a variety of options tailored to meet your unique lifestyle. Our checking and savings accounts are perfect for everyday transactions and saving towards your goals. If you're thinking about purchasing a new car or need funds for a reliable vehicle, our auto loans and vehicle financing can help turn those dreams into reality with competitive rates. For those considering homeownership or refinancing their current mortgage, our mortgage loans and refinancing options make the process straightforward and accessible. We also offer personal loans and debt consolidation services for members who need to manage expenses or consolidate multiple debts into one manageable payment.

Rewarding Credit Options

Credit cards are an essential part of modern finance, which is why we offer credit cards with rewards that give back as you spend. Whether you're planning a vacation or simply want to earn rewards on daily purchases, our credit card options provide flexibility and benefits tailored to your lifestyle.

Why Choose Us?

We strive to make banking not just simple but enjoyable. Our member-focused approach means we're here for you every step of the way, whether it's through personalized service in-branch or convenient digital solutions online. Ready to explore how we can help you achieve your financial goals? Visit us at Consumers in Kalamazoo or check out more about our offerings at consumerscu.org. Your journey toward better financial management starts here!

Digital & Online Banking

Easy Access to Your Accounts

With our 24/7 online banking services, you can check your balances, transfer money, and pay bills with just a few clicks. Simply visit https://www.consumerscu.org/ to get started. Our user-friendly interface makes it easy for everyone, whether you're tech-savvy or just getting used to online banking.

Go Green with E-Statements

We also offer e-statements for those who want to reduce paper clutter and stay organized. With e-statements available, you'll have instant access to your account statements right from your device. It's an eco-friendly choice that keeps your financial records at your fingertips.

Secure Transactions

Your security is our priority. While we currently do not support electronic signature authorization, rest assured that all transactions are protected by advanced security measures. We work hard to keep your information safe so you can bank with confidence. At Consumers, our digital and online banking services empower you to manage your finances effectively while enjoying the flexibility of modern technology. Whether at home or on the go, we're here to support your banking needs every step of the way!

Stay in Control with Mobile Features

If you prefer banking on the go, our mobile application is perfect for you. You can make mobile payments easily, allowing you to shop or pay friends without reaching for your wallet. Plus, our person-to-person transfer feature means sending money to friends or family is simple and quick.

Financial Strength

Focused on Member Growth

With $218,884,511 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 $39,075 in used auto loans and $2,091,705,346 in total loans and leases. Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 418 full-time employees and 13 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Membership

Total Share and Deposit Accounts stand at 308,686, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $0, further demonstrating our commitment to supporting your financial journey. 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 7200 Elm Valley Dr Kalamazoo Mi 49009 or call (269) 345-7804 to learn more about how we can help you achieve your financial goals.

Secure Savings Options

Members' savings are secured through $648,052,464 in share certificates and $521,996,529 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $9,403,000, 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 $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 after a shiny new model or a reliable used option, our team is here to guide you through the process.

Business Loans

For business owners looking to expand or invest in new opportunities, our outstanding commercial loans totaling $265,279,836 provide the capital needed for growth. We understand the unique challenges businesses face and are committed to supporting local enterprises.

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, ensuring that you have access to competitive rates and personalized service throughout your journey.

Refinancing Options

If you're considering refinancing any of your existing loans or exploring eligibility options for any of our products, our knowledgeable staff is ready to assist you. We aim to make this process as straightforward as possible so you can focus on what matters most your financial future. At Consumers Credit Union, we're not just about providing loans; we're about building relationships with our members and offering solutions tailored to their individual needs. For more information about our loan offerings or to speak with one of our friendly representatives, please call us at 269-345-7804 during our lobby hours from Monday to Friday, 9 AM - 4 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Unsecured 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 features designed to fit your lifestyle while offering rewards that can enhance your purchasing power.

Loan Aggregator

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CONSUMERS CREDIT UNION