Copoco Community Bay City MI Credit Union | Affordable Auto Loans & Low Mortgage Rates

Introduction

At Copoco Community, we believe that every financial journey is unique and deserves personalized attention. Nestled in the heart of Bay City, MI at 4265 Wilder Rd, our credit union has been serving our community since 1951. With a strong foundation built on trust and reliability, we are proud to support over 8,686 members with a total of $104,355,298 in assets. Our commitment to you goes beyond numbers. We understand the importance of accessible banking services, which is why we offer a range of solutions including checking and savings accounts, auto loans, mortgages, personal loans, and business banking options. Whether you're looking to buy your first car or need assistance with a business loan, our dedicated team is here to help. We have worked hard to create a welcoming environment where your financial needs come first. Under the leadership of our CEO, David Brandt, and Board President, Meri Engers, our team of 32 employees strives to ensure that each member feels valued and supported. Our mission is simple: to empower you through financial education and resources so that you can achieve your goals. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to PO Box 1520, Bay City, MI 48706-0520. With total deposits amounting to $9,176,706 and net worth reaching $8,379,285, we are financially robust and ready to assist you in making sound financial decisions. We also maintain an impressive cash reserve of $2,102,158, ensuring that we are well-equipped to meet your needs. Join us at Copoco Community Credit Union today! You can reach us at 989-684-1873 or visit our website at copoco.org for more information on how we can serve you better. Your financial future starts here!

Branch History & Mission

Commitment to Community

Our history is intertwined with the communities we serve. We actively participate in local events and partner with organizations to support various causes that uplift Bay City and surrounding areas. Whether through educational programs or outreach initiatives, we aim to strengthen connections within our neighborhoods. While members can visit us at 4265 Wilder Rd, official correspondence should be sent to PO Box 1520, Bay City, MI 48706-0520. If you're looking for a credit union that puts you first while striving for excellence in both financial services and community engagement, look no further than Copoco Community. Join us today and experience the benefits of being part of a credit union that truly cares about its members. For more information or assistance, feel free to call us at 989-684-1873 or visit our website at www.copoco.org. Together, let's build a brighter future!

Our Mission

Our mission is simple yet profound: to empower individuals and families with financial tools and resources while making a positive impact in our community. At Copoco Community Credit Union, we believe that everyone deserves access to quality financial services. This commitment drives us to offer competitive products and personalized service that truly meet our members' needs. In addition to traditional banking services, we embrace digital advancements like online banking and mobile payments. These innovations ensure that our members can manage their finances conveniently and securely anytime, anywhere. Plus, with features such as ATM access and drive-thru banking available at our branch, we've made it easier than ever for you to bank on your schedule.

Branch Location & Accessibility

Welcome to Copoco Community Credit Union, conveniently located at 4265 Wilder Rd in Bay City, MI. Our branch is nestled in the heart of Bay County, making it easy for our members to access a wide range of financial services. Whether you're visiting us for personal banking needs or looking into auto loans and mortgage options, we are here to assist you every step of the way. If you need to send official correspondence, please use our mailing address at PO Box 1520, Bay City, MI 48706-0520. You'll find our branch near popular landmarks that make it easy to stop by while you're out and about. With ample parking available and ADA-compliant features, we strive to ensure accessibility for all our members. Our operating hours are designed with your convenience in mind. We are open from Monday to Friday, 8:30 AM to 5:30 PM, and on Saturdays from 8:30 AM to 12 PM perfect for those who need a little extra time during the week. You can reach us anytime at 989-684-1873 if you have questions or need assistance. At Copoco Community Credit Union, we offer a variety of services including personal banking, auto financing, credit cards with rewards, and business banking options. Plus, enjoy the ease of accessing cash through our ATM and drive-thru services for quick transactions like deposits and withdrawals. We invite you to visit us today! Let us help you achieve your financial goals with personalized service tailored just for you.

Member Eligibility

Welcome to the wonderful world of Copoco Community! Joining our credit union means becoming part of a supportive community that truly cares about its members. To become a member of Copoco Community, all you need is to live, work, worship, or attend school in Bay County or its surrounding areas. We believe that everyone deserves access to quality financial services, so if you meet these simple criteria, you're already on your way! You can find more details about eligibility and any updates by visiting our website at Copoco Community. Opening an account with us is straightforward and welcoming. Just visit us at our branch located at 4265 Wilder Rd, Bay City, MI 48706, or give us a call at 989-684-1873 for assistance. Our friendly staff is here to guide you through the process and answer any questions you might have. Embrace the benefits of membership today and enjoy personalized service tailored just for 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 $5 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $20 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $429,485, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine having a reliable partner who helps you accept payments seamlessly, whether it's through card transactions at your storefront or online sales. With our services, you can focus on what you do best growing your business while we take care of the rest. Visit us at 4265 Wilder Rd Bay City Mi 48706 in Bay City, MI or call us at (989) 684-1873 to learn more about how our business banking and commercial services can help your business succeed!

Comprehensive List Of Services

Accessing Our Services

Our branch also features basic drive-thru banking for quick deposits, withdrawals, and simple transactions perfect for those on the go. We proudly maintain an ATM on-site so that you can access cash whenever needed without any hassle. As a member-focused credit union, Copoco Community strives to ensure that all members have easy access to essential financial tools while receiving personalized service from our dedicated staff. If you're ready to learn more about how we can assist you with your financial journey or if you want to take advantage of any of our services listed above, don't hesitate to reach out!

Business Banking Tailored to You

For local businesses, we provide comprehensive banking solutions, including merchant services and business loans. We recognize how vital it is for businesses to have reliable financial support, which is why our offerings are designed with your success in mind.

Connect With Us Today!

Feel free to give us a call at (989) 684-1873 or visit us at 4265 Wilder Rd Bay City Mi 48706 in Bay City, MI. We're excited to help you navigate your financial future! For more information about our offerings or to get started with an account today, visit us online at Copoco Community Credit Union.

Convenient Digital Banking Options

In today's fast-paced world, convenience is key. That's why we offer online and mobile banking services that allow you to manage your accounts anytime, anywhere. From paying bills to transferring funds and accessing ATM services for cash withdrawals or balance checks, everything is just a few taps away.

Personal Banking Made Simple

When it comes to personal banking, we understand that every member's needs are unique. That's why we offer various options such as checking and savings accounts designed to help you manage your money effectively. If you're in the market for a new vehicle, our auto loans and vehicle financing can make that dream a reality without breaking the bank. For those considering homeownership, our mortgage loans and refinancing options ensure you find the right fit for your budget.

Smart Solutions for Debt Management

Managing debt can feel overwhelming, but at Copoco Community, we're here to help with personal loans and debt consolidation services. Our friendly staff can guide you through the process, making it easier to regain control of your finances. Plus, our credit cards come with rewards that can put cash back in your pocket or help you save on future purchases.

Digital & Online Banking

Key Services Available

With our 24/7 online banking services, you can check your balance, transfer funds, and pay bills without having to visit a branch. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick. Plus, with mobile payments enabled, you can make purchases directly from your phone no need for cash or cards! For those who prefer managing their accounts via mobile devices, we offer a dedicated mobile application that provides all the functionalities of our online banking right in your pocket. This means real-time account management is just a tap away!

Security and Accessibility

At Copoco Community, we take your security seriously. Our electronic signature authorization ensures that your transactions are safe and secure. You can also opt for e-statements, which not only help the environment but also allow you to view your financial statements online whenever you need them. We strive to make banking accessible for everyone. Whether you're tech-savvy or just getting started with digital banking, our services are designed with you in mind. Experience the ease of managing your finances from the comfort of your home or while out running errands. Join us at Copoco Community and discover how our digital and online banking services can simplify your life!

Financial Strength

Efficient Operations and Dedicated Staff

Our operational efficiency is evident with a reported $0, which enables us to continue offering competitive loan rates and solid financial products for our members. To ensure personalized service at every turn, we proudly employ 24 full-time employees and 8 part-time employees who are always ready to assist you with their knowledge and commitment.

Growing Member Trust

Trust is built over time, and with 15,009 total share accounts under management, it's clear that many individuals choose Copoco Community as their trusted partner for all their banking needs. Our net shares amounting to $99,964 illustrate the funds available for lending and investments further emphasizing our ability to support your financial aspirations. In conclusion, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Copoco Community is your trusted partner. Visit us at 4265 Wilder Rd Bay City Mi 48706 or call (989) 684-1873 to learn more about how we can help you achieve your financial goals.

Member-Centric Approach

Unlike traditional banks, we prioritize our members. Although we have $0 in non-member deposits, our resources are directed towards benefiting you through better loan rates, lower fees, and exclusive perks tailored just for you. With $8,324,047 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better.

Secure Savings Options

Members' savings are secured through $15,253,623 in share certificates, offering stable and rewarding financial growth opportunities. While we don't have money market shares currently available, our focus remains on creating value for our members through varied saving options.

Solid Financial Foundation

With a net worth of $8,379,285, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $803 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Goals

Our commitment to supporting your financial journey is reflected in our lending capabilities. We have $822 in used auto loans and a total of $48,254,168 in loans and leases available. This shows how dedicated we are to helping you achieve your dreams whether it's securing reliable transportation or financing other important life milestones.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $15,933,793 in used vehicle loans and $10,096,837 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used car, we have competitive terms to fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $429,485 provide the capital needed to grow and expand. We understand the unique challenges businesses face and are here to support your entrepreneurial journey.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $3,603,892 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits that can enhance your purchasing power while keeping your spending manageable.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,563,474, make buying or refinancing simple. We provide guidance through every step of the process and offer competitive rates that can help make your dream home a reality.

Refinancing Options

If you're considering refinancing any existing loans or exploring eligibility options for our products, our knowledgeable team is ready to assist you in finding the best solutions available. Our commitment is not just about providing funds; it's about fostering relationships with our members by offering personalized service tailored to their unique financial situations. You can reach us at 989-684-1873 for more information or visit us at 4265 Wilder Rd Bay City MI 48706. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Copoco Community, we're here to help you navigate your financial journey with confidence!

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COPOCO COMMUNITY CREDIT UNION