Consumers Credit Union Coldwater MI | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Consumers Credit Union, your trusted financial partner located at 829 E Chicago St, Coldwater, MI 49036. Established in 1964, we have been committed to serving our community for decades, building a strong foundation of trust and reliability with over 142,950 members. At Consumers, we believe in empowering individuals and families through tailored financial solutions that meet your unique needs. Our branch is not just a place for transactions; it's a hub where relationships flourish. With total assets exceeding $2.38 billion and deposits totaling $65,993,314, we pride ourselves on being a stable and secure choice for all your banking needs. Our dedicated team of 431 employees, led by CEO Scott Sylvester and Board President Kim Shook, is here to provide you with exceptional service every day. We understand that life can be unpredictable, which is why we offer a variety of services from personal banking options like checking and savings accounts to auto loans and mortgages. Whether you're looking to consolidate debt or finance your next vehicle, we're here to help you navigate your financial journey with ease. While members can visit us at our Coldwater location, official correspondence should be directed to our mailing address: PO Box 525, Oshtemo, MI 49077. Feel free to reach out to us at (517) 278-2059 for any inquiries or assistance. Join us today and experience the difference that a member-focused credit union can make in your financial life. We invite you to explore our website at consumerscu.org for more information about our services and how we can support you on your path to financial wellness!

Branch History & Mission

Community Commitment

We pride ourselves on being more than just a financial institution; we are a part of the fabric of Coldwater. Our outreach efforts include partnerships with local organizations aimed at fostering community growth and well-being. By investing in initiatives that support education, health, and economic development, we strive to make a lasting impact right here in our community. With modern amenities like ATM availability and drive-thru banking services, we make banking easy while ensuring everyone feels welcome. Our friendly staff is here during operating hours Monday through Wednesday from 9:00 AM to 5:30 PM and Thursday through Friday from 9:00 AM to 6:00 PM; Saturday from 9:00 AM to 12:00 PM to assist you with all your financial needs. Join us at Consumers today! Experience how we can help you navigate your financial journey with confidence and care. We invite you to become part of our growing family where your success is our priority. Reach out at (517) 278-2059 or visit us online at Consumers Credit Union to learn more about becoming a member!

Our Mission

At Consumers, our mission is simple yet powerful: we aim to enrich the lives of our members and contribute positively to the communities we serve. We are dedicated to providing a wide range of financial products including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. Our goal is not just about transactions; it's about building relationships and helping you achieve your financial dreams. While members can visit us at 829 E Chicago St Coldwater Mi 49036, official correspondence should be sent to PO Box 525, Oshtemo, MI 49077. We understand that convenience matters in today's fast-paced world. That's why we offer online banking and mobile payments for easy access to your accounts anytime you need them.

Branch Location & Accessibility

Connect With Us

If you have any questions or need assistance, don't hesitate to give us a call at 517-278-2059. We look forward to welcoming you to Consumers! Come by and see how we can help you achieve your financial goals today!

Operating Hours

At Consumers, we value your time. Our lobby hours are designed to fit into your busy schedule: we're open Monday through Wednesday from 9:00 a.m. to 5:30 p.m., Thursday and Friday from 9:00 a.m. to 6:00 p.m., and Saturday from 9:00 a.m. to 12:00 p.m. Whether you're looking to open an account, apply for a loan, or simply ask questions about our services, we're here for you!

Parking and Accessibility

We offer ample parking for our members right at the front of our branch, so you can hop in and out without any hassle. For those who may need extra assistance, our facility is ADA compliant with ramps and accessible entrances to ensure everyone can enjoy our services comfortably.

Services Offered

Our branch offers a variety of services tailored just for you! Enjoy personal banking options like checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. Business owners can also find valuable resources like merchant services and business loans here. Plus, with ATM access available around the clock and basic drive-thru banking for quick transactions, we make banking simple. While members can visit us at 829 E Chicago St for their banking needs, official correspondence should be sent to PO Box 525 in Oshtemo, MI.

Member Eligibility

At Consumers, we believe that joining our community should feel like stepping into a welcoming family where your financial needs are prioritized. Becoming a member is easy and open to anyone who lives, works, worships, or attends school in our local area. We invite you to explore the benefits of membership, which include personalized service and competitive rates on loans and savings accounts. For more detailed information about eligibility criteria, you can check out this resource. If you're ready to take the next step, our friendly team is here to help with the account opening process as well; just give us a call at (517) 278-2059 or stop by our branch located at 829 E Chicago St Coldwater Mi 49036. We can't wait to welcome you!

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 $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.

Merchant Services

In addition to loans, our merchant services simplify everyday operations. Imagine processing payments easily at your shop or online store. Our tools help you accept various payment types, manage transactions effortlessly, and keep your cash flow steady. Whether it's setting up point-of-sale systems or managing invoicing, we're here to make banking easier so you can focus on what matters most growing your business. Visit us at 829 E Chicago St Coldwater Mi 49036 in Coldwater, MI, or call us at (517) 278-2059 to learn more about how we can help your business thrive!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash quickly? We provide basic ATM access for withdrawals and balance checks so that you're never left in a pinch. And if you'd prefer face-to-face service for simple transactions like deposits or withdrawals, our drive-thru banking is ready for you during regular hours. At Consumers, we strive not only to meet but exceed your expectations by offering comprehensive financial solutions that cater to both personal and business needs. Visit us today or explore our website at consumerscu.org for more information on any of our services! We're here to help you achieve your financial goals easily and conveniently.

Auto Loans & Vehicle Financing

Thinking about buying a new vehicle? Our auto loans and vehicle financing options are competitive and straightforward. With flexible terms, you can drive off in your new car without breaking the bank. Plus, if you're looking to refinance an existing loan, we offer solutions that could save you money each month.

Business Banking

If you're a business owner, we have tailored services just for you! Our business banking offerings include merchant services that make accepting payments easy, along with business loans designed to help you grow your operations without financial strain.

Credit Cards with Rewards

We know that every little bit helps when it comes to managing expenses. That's why our credit cards come with rewards programs that give back as you spend. From cash back on purchases to points redeemable for travel, these cards add value to everyday transactions.

Mortgage Loans & Refinancing

For those considering buying a home or refinancing an existing mortgage, we offer various mortgage loan options tailored to fit different budgets and situations. Our knowledgeable staff will guide you through the process, helping you understand what works best for your financial situation.

Online & Mobile Banking

In today's fast-paced world, convenience matters. Our online and mobile banking services allow you to handle transactions anytime, anywhere. You can pay bills, transfer funds between accounts, and even send money directly to friends or family with ease.

Personal Banking

Our personal banking services include checking and savings accounts designed for everyday use. We understand that managing finances can be overwhelming, so we've made it easy for you to access your funds and track your spending through our online and mobile banking platforms. Imagine being able to check your balance or transfer money from anywhere whether at home or on the go!

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's why we provide personal loans that help cover everything from medical bills to vacations. If you're dealing with multiple debts, consider our debt consolidation options that could simplify your payments and possibly lower your interest rates.

Digital & Online Banking

Go Green with E-Statements

In addition to traditional statements, we offer e-statements for those who prefer a paperless option. It's not just eco-friendly; it also keeps your information organized and easily accessible whenever you need it. Whether you prefer mobile payments for quick transactions or comprehensive online banking capabilities, Consumers has the tools you need to manage your finances effectively. Join us today and experience the convenience of digital banking that fits into your lifestyle!

Key Features for Your Convenience

Our mobile application puts banking right in your pocket. Whether you're at work or out with friends, you can manage your accounts seamlessly. Need to send money to a friend? Our person-to-person transfer feature makes it easy and quick to send cash directly from your account. We also prioritize your security. While we do not currently support electronic signature authorization, our systems are designed with state-of-the-art security measures to protect your information.

Financial Strength

Committed to Service

Our operational efficiency is reflected in our $0, which enables 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 Together

Total Share and Deposit Accounts: 308,686, show a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) stand at $0, reinforcing our ability to support your needs now and into the future. 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 829 E Chicago St Coldwater Mi 49036 or call (517) 278-2059 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

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 is significant: we hold $39,075 in used auto loans and $2,091,705,346 in total loans and leases, supporting your financial goals across various sectors.

Securing Your Savings

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.

Solid Financial Foundation

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

Additional Options

In addition to these offerings, we provide refinancing options for existing loans. If you're looking for better terms or need assistance with eligibility requirements, our team is ready to help you navigate these choices. With our commitment to excellent service and a range of financial products designed for your needs, we're proud to support our community's aspirations. For more information or to discuss your loan options further, please contact us at 517-278-2059 during our operating hours: Monday - Wednesday from 9:00 AM to 5:30 PM; Thursday and Friday from 9:00 AM to 6:00 PM; and Saturday from 9:00 AM to 12:00 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. We look forward to assisting you with all your lending needs!

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 interested in financing a brand-new vehicle or a reliable used one, we have flexible options to suit your needs.

Business Financing

For business owners, our outstanding commercial loans totaling $265,279,836 provide the capital needed to grow and expand. We understand that businesses require tailored solutions and are committed to supporting our local entrepreneurs 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. This option is great for those who want to keep their spending under control while enjoying the benefits of rewards and other features associated with our credit cards.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $128,065,957, make buying or refinancing simple. We're here to guide you through the process and help you find the right mortgage product tailored to your situation.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that they are comparing accurate rates and terms. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means users can confidently explore options without worrying about hidden agendas or favoritism. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can easily compare offers and find the most competitive rates available. 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 feedback highlights how LendMesh effectively meets user needs through its reliable platform. Ready to start your search for the best loan rates? 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.

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 commitment to using verified data ensures that users receive fair and transparent offers tailored to their needs.

Consumers

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans