Consumers Credit Union East Lansing MI | Affordable Auto Loans & Business Banking

Introduction

Welcome to Consumers, your trusted partner in financial well-being located at 2763 E Grand River Ave, East Lansing, MI 48823. Established in 1964, we have been dedicated to serving our community with integrity and care for nearly six decades. With a proud membership base of over 142,950 individuals, we understand the importance of personalized service and community engagement. At Consumers, we are committed to providing you with exceptional financial products tailored to your needs. Our total assets exceed $2.38 billion, reflecting our solid foundation and ability to support our members effectively. Whether you're looking for personal banking solutions, auto loans, or business services, we've got you covered with total loans exceeding 87,715 and deposits of $65,993,314. Our team is led by CEO Scott Sylvester and Board President Kim Shook, who prioritize member satisfaction and community involvement. We employ a dedicated staff of 431 professionals ready to assist you with any financial inquiry you may have. While members can visit us at our branch for friendly service, official correspondence should be sent to our mailing address: P.O. Box 525, Oshtemo, MI 49077. We invite you to explore what Consumers can do for you! Visit us online at consumerscu.org or call us at 269-345-7804 for more information on how we can help meet your financial goals. Your journey towards financial empowerment starts here!

Branch History & Mission

Join Us

As we look toward the future, we invite you to join us on this journey. Experience firsthand how Consumers can support you financially while being an integral part of the East Lansing community. With operating hours designed for your convenience Monday through Thursday from 9 AM to 5 PM, Friday until 5:30 PM for lobby services plus extended teller hours until 7 PM we're here when you need us most. If you're ready to take control of your financial future or simply want to learn more about what we offer, give us a call at 269-345-7804 or visit us online at consumerscu.org. Let's work together toward achieving your financial dreams!

Our Mission

At Consumers, our mission goes beyond just providing financial products; it's about building relationships and supporting our members in achieving their goals. We believe that everyone deserves access to fair financial services and the opportunity for economic growth. This philosophy drives us to engage actively in community outreach programs and partnerships that uplift local initiatives. Our commitment extends further with ADA compliance measures ensuring that all members can access our facilities comfortably. We also offer drive-thru banking services for added convenience and maintain ATM availability for easy cash withdrawals. While members can visit us at 2763 E Grand River Ave for their banking needs, official correspondence should be sent to P.O. Box 525, Oshtemo, MI 49077 if necessary.

Our Story

The journey of Consumers began with a simple mission: to provide reliable financial services that empower individuals and families within our community. From those early days in 1964, we've expanded our offerings to include personal banking solutions like checking and savings accounts, auto loans, mortgages, and even business banking services. Our focus has always been on meeting the needs of our members while fostering a sense of belonging and community. As we evolved through the decades, we've kept pace with advancements in technology to enhance the member experience. Our digital banking options allow you to manage your finances conveniently from anywhere. Whether it's through online banking or mobile payments, we strive to make your banking experience as smooth as possible.

Branch Location & Accessibility

Convenient Access and Amenities

Our location provides easy access for everyone, including those with mobility challenges. We are proud to be ADA compliant, featuring ramps and accessible parking spaces to ensure that all members can visit us comfortably. Plus, our drive-thru service means you can handle your banking needs without even leaving your car!

Operating Hours That Fit Your Schedule

We understand that life can get busy, which is why we offer flexible operating hours. You can visit us Monday through Thursday from 9 AM to 5 PM, and on Friday from 9 AM to 5:30 PM. If you need to stop by during the week after work, our teller hours extend until 7 PM on weekdays. For those who prefer weekend visits, we're open Saturday from 9 AM to 1 PM.

Services Designed for You

At Consumers, we provide a variety of services tailored to meet your financial needs from checking and savings accounts to auto loans and mortgages. Our ATM is available for quick cash withdrawals or balance checks any time of day, ensuring you have access when you need it most. While members can visit us at our East Lansing address for everyday banking needs, please send any official correspondence to our mailing address: P.O. Box 525 in Oshtemo, MI. Ready to experience the convenience and personal touch of Consumers? Give us a call at 269-345-7804 or stop by today! We look forward to serving you!

Member Eligibility

At Consumers, we believe that everyone deserves a supportive financial community, and becoming a member is your first step toward enjoying all the benefits we offer. If you live, work, worship, or attend school in the areas we serve, you're likely eligible to join us! We welcome individuals from various backgrounds and walks of life, making it easy for you to access personalized financial services tailored to your needs. For more specific eligibility details, feel free to visit our website at . Joining is simple! Just swing by our branch located at 2763 E Grand River Ave East Lansing Mi 48823 or give us a call at (269) 345-7804 to learn more about how to open your account. Our friendly staff is here to help guide you through the process and answer any questions you may have. Experience the difference of being part of a credit union that truly cares about its members join Consumers today!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, our merchant services provide essential tools for businesses to thrive. Imagine having the ability to accept payments easily from customers, whether they're shopping online or in-store. Our services streamline transactions, allowing you to focus on what you do best growing your business. Located at 2763 E Grand River Ave East Lansing Mi 48823 in East Lansing, MI, we're here to assist you every step of the way. For more information, feel free to contact us at (269) 345-7804. Let's work together to take your business to new heights!

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

Auto Loans & Vehicle Financing

If you're considering a new car, our Auto Loans & Vehicle Financing services can help get you on the road without breaking the bank. We work with you to find financing options that fit your budget, making it easier for you to purchase the vehicle you need. With competitive rates and flexible terms, we strive to ensure that owning a car is within reach for everyone.

Business Banking Services

For entrepreneurs and business owners, we provide comprehensive Business Banking solutions including merchant services and business loans. We understand the challenges of running a business and are committed to offering support through tailored financial products that help grow your venture.

Convenient Access

Accessing your accounts has never been easier thanks to our ATM services and basic drive-thru banking for deposits and withdrawals. With an ATM available at our branch and user-friendly online banking tools, managing your finances is convenient whether you're at home or on the go. At Consumers, we pride ourselves on being more than just a credit union; we are a community partner dedicated to helping you achieve your financial goals. For more information about our services or assistance with any financial needs, feel free to call us at 269-345-7804 or visit us online at consumerscu.org. Your journey towards financial empowerment starts here!

Credit Cards with Rewards

To reward our members for their loyalty, we offer Credit Cards with Rewards. Imagine earning points on everyday purchases that can be redeemed for travel, merchandise, or cash back! It's a great way to maximize what you spend while enjoying added benefits.

Mortgage Loans & Refinancing

Homeownership is a big step, and at Consumers, we simplify this process with our Mortgage Loans & Refinancing services. Whether you are buying your first home or looking to refinance your existing mortgage for better rates, our experienced team will guide you through every step. You'll appreciate how straightforward and transparent the process is no hidden fees or surprises!

Personal Banking Solutions

For those looking to manage their day-to-day finances, we offer Personal Banking options, including checking and savings accounts that fit various lifestyles. Imagine having a checking account that not only helps you keep track of your expenses but also provides easy access to your funds through our online and mobile banking platforms. This means you can check your balance or make transfers right from your smartphone perfect for busy schedules!

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. Our Personal Loans & Debt Consolidation options can provide the financial relief you need. Whether it's an emergency expense or consolidating debt into one manageable payment, we're here to help ease your financial burden.

Digital & Online Banking

Key Features

Our online banking platform is user-friendly and packed with features that make managing your money a breeze. You can enroll in e-statements to receive your account statements electronically, helping you reduce paper clutter while keeping your financial information secure. Plus, with our mobile application, you can manage your accounts right from the palm of your hand perfect for those on-the-go moments! Need to send money quickly? Our person-to-person transfer feature allows you to send funds to friends or family effortlessly, making it easier than ever to split bills or share expenses. And if you're someone who enjoys the simplicity of mobile payments, you'll love that our platform supports this feature too allowing you to pay directly from your phone.

Security You Can Trust

We know security is a top concern for our members. At Consumers, we prioritize safeguarding your personal information. While we currently do not offer electronic signature authorization, rest assured that all transactions are protected with robust security measures so you can bank with confidence. In summary, our digital and online banking services are designed with you in mind. From easy access through https://www.consumerscu.org/ to the convenience of mobile applications and features like e-statements and person-to-person transfers, managing your finances has never been easier. Join us today at Consumers and take advantage of these modern conveniences!

Financial Strength

At Consumers, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are dedicated to ensuring your funds are safe and accessible while providing the services you need to 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. 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. 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. Our commitment to our members is further reflected in our robust earnings. 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. Additionally, with $39,075 in used auto loans and $2,091,705,346 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Even during challenging times, our operations remain efficient, as shown by our $0. This 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 418 full-time employees and 13 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Our resources show strength: Net Shares (Funds available for lending and investments): $0. Total Share and Deposit Accounts: 308,686, indicating 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, borrowing, or planning for the future, Consumers is your trusted partner. Visit us at 2763 E Grand River Ave East Lansing Mi 48823 or call (269) 345-7804 to learn more about how we can help you achieve your financial goals.

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. We make it easy for you to finance your next vehicle whether it's brand new or pre-owned.

Business Loans

For business owners, our outstanding commercial loans totaling $265,279,836 provide the capital needed to grow and expand. We understand that every business has unique needs and are here to support your success through tailored lending solutions. We encourage you to explore refinancing options that may be available for many of these products as well. Please feel free to reach out for more details on eligibility requirements or to discuss how we can assist you further. For any inquiries or assistance, don't hesitate to call us at 269-345-7804. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your next step toward financial empowerment starts here!

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 provide competitive rates and flexible terms that can help you secure the home you've always wanted.

Unsecured Credit Card Loans

Managing everyday expenses is crucial. 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. Enjoy the convenience and rewards that come with our credit cards while keeping your budget on track.

Loan Aggregator

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Consumers

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans