Credit Union One Saint Clair Shores MI | Top Auto Loans & ATM Services

Introduction

Welcome to Credit Union One, your trusted financial partner located at 28201 Harper Ave, Saint Clair Shores, MI 48081. Since our establishment in 1938, we have proudly served over 111,230 members, helping them achieve their financial goals with personalized service and community-focused solutions. With total assets exceeding $1.7 billion and a solid net worth of $175,340,962, we are committed to providing our members with stability and security. At Credit Union One, we understand that every member's journey is unique. That's why we offer a wide array of services tailored to meet the needs of individuals and businesses alike. Whether you're looking for checking accounts, auto loans, or business banking options, our dedicated team is here to guide you every step of the way. Our branch boasts a robust total deposits amounting to $148,257,392, ensuring that your money is safe and accessible whenever you need it. While members can visit us at 28201 Harper Ave, official correspondence should be sent to the same address for convenience. If you have any questions or need assistance, feel free to reach out at 586-447-3100. Under the leadership of CEO Gary Moody and Board President Guadalupe Lara, our experienced staff of 336 employees is ready to support your financial journey with expertise and care. Join us in making a difference in our community! Visit our website at Credit Union One today or call us for more information on how we can help you thrive financially. We look forward to welcoming you as part of the Credit Union One family!

Branch History & Mission

At Credit Union One, our story is woven into the very fabric of Saint Clair Shores, MI. Established in 1938, we have proudly served our community for over eight decades. Our branch, located at 28201 Harper Ave, stands as a testament to our commitment to providing quality financial services and fostering relationships with our members. Since opening our doors, we have grown significantly. Today, we boast a total membership of over 111,000 individuals who trust us with their financial needs. With total assets amounting to more than $1.7 billion, Credit Union One has established itself as a cornerstone of financial support in the region. Our mission is simple yet profound: to empower our members to achieve their financial goals while enhancing the communities we serve. As we reflect on our journey, we remember the milestones that shaped us. From humble beginnings to being recognized as a leading credit union, each step has been driven by a dedication to service and innovation. We embrace modern banking technologies while ensuring accessibility for all members, including ADA compliance and mobile banking options. Our mission goes beyond just providing financial products; it's about building a better future for everyone in our community. We actively participate in local outreach efforts and form partnerships with various organizations to uplift those around us. Whether it's through educational workshops or community events, we are dedicated to making a real difference. For your convenience, while you can visit us at our branch address on Harper Ave, official correspondence should be sent to our mailing address: 28201 Harper, Saint Clair Shores, MI 48081. We are also pleased to offer ATM services and drive-thru banking for quick and easy transactions. We invite you to join Credit Union One and experience firsthand how we can help you navigate your financial journey. Explore the benefits of membership today by visiting our website or giving us a call at 586-447-3100. Together, let's build a brighter tomorrow!

Branch Location & Accessibility

Accessibility Features

At Credit Union One, we prioritize accessibility for everyone. Our branch is fully ADA compliant, featuring ramps and wide doorways to ensure all members can navigate our space comfortably. We also offer ample parking right outside our entrance, making it easy for you to pop in whether you're visiting for a quick transaction or a more detailed consultation.

Operating Hours

We know your time is valuable! That's why we've tailored our operating hours to fit your busy schedule. Visit us Monday through Thursday from 10:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 10:00 AM to 12:30 PM. Need assistance? Give us a call at 586-447-3100 during these hours, and our dedicated team will be ready to help!

Services Offered

Our branch provides a full suite of services designed to meet your banking needs. From personal checking and savings accounts to auto loans and mortgages, we've got you covered. If you're in a hurry, take advantage of our convenient drive-thru service for quick deposits or withdrawals without leaving your car. Plus, with ATM availability on-site, you can access your funds anytime. If you're looking for shared services with partner credit unions, we've got that too! Whether it's a deposit or withdrawal, we make it easy for members of participating institutions. While you can visit us directly at 28201 Harper Ave, if you need to send official correspondence, please use our mailing address at 28201 Harper, Saint Clair Shores, MI 48081. We invite you to stop by Credit Union One today! Experience friendly service in a welcoming environment where your financial success is our priority.

Member Eligibility

At Credit Union One, we believe in creating a welcoming community where everyone can thrive. Becoming a member is an easy and rewarding journey! If you live, work, worship, or attend school in the areas we serve, you're likely eligible to join us. We also welcome family members of existing members, making it a great way to connect your loved ones with our supportive services. For more detailed eligibility information, feel free to check out our website at http://WWW.CUONE.ORG/about/membership-eligibility. Joining Credit Union One means gaining access to a variety of financial products designed to help you succeed, from personal loans to checking accounts that suit your lifestyle. Plus, our dedicated team is here to guide you every step of the way. Ready to take the first step? Opening an account is simple just visit us online at https://app.consumer.meridianlink.com/apply.aspx?lenderref=cu1120221&list=ccheplvlst, or give us a call at (586) 447-3100 for any questions. We can't wait for you to be part of our community!

Business Banking & Commercial Services

Business Loans That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $218 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $8 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $131,414,991, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Transactions Easy

In addition to loans, we provide comprehensive merchant services that simplify payment processing for your business. Imagine being able to accept payments from customers effortlessly whether they're using credit cards, mobile wallets, or other payment methods. Our services not only streamline transactions but also enhance customer satisfaction by providing various payment options. Located at 28201 Harper Ave Saint Clair Shores Mi 48081 in Saint Clair Shores, MI, we're here to partner with you on your journey toward success. Reach out to us at (586) 447-3100 to learn more about how our business banking services can benefit you!

Comprehensive List Of Services

Digital Convenience

In today's fast-paced world, convenience is key. That's why at Credit Union One, we offer robust online and mobile banking features. You can manage your accounts from anywhere using our user-friendly mobile app or website. Need cash? Our ATM and cash withdrawal services are available whenever you need them.

Easy Transactions

We also provide basic drive-thru banking for quick deposits, withdrawals, and simple transactions perfect when you're on the go! Additionally, if you're a member of a partner credit union, our shared branch transactions allow you to perform deposits and withdrawals seamlessly. With all these services at your fingertips, it's easy to see why so many choose us as their trusted financial partner. If you have any questions or want to learn more about how we can assist you further, don't hesitate to give us a call at 586-447-3100. Join us today at Credit Union One and discover how we can help simplify your financial journey! Visit us in person or explore more on our website here.

Financial Flexibility

Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation options come into play. These services can provide the financial flexibility you need during challenging times. Plus, if you're looking to earn rewards while spending, check out our credit cards with rewards programs tailored just for you!

Personal Banking Solutions

Starting with personal banking, we offer various options like checking and savings accounts that help you manage your day-to-day finances effortlessly. If you're thinking about buying a new car or need financing for your vehicle, our auto loans and vehicle financing options are designed with competitive rates to help you drive away happy. For those considering homeownership, our mortgage loans and refinancing solutions make it easier to secure a place to call your own.

Supporting Local Businesses

For entrepreneurs and small business owners, we understand the importance of having reliable financial support. Our business banking services include merchant services and business loans that can help you grow your venture without the hassle.

Digital & Online Banking

Key Services

Our online banking platform is designed with you in mind. You can start exploring our services at https://www.cuone.org/. Whether you want to check your balance or set up automatic payments, our user-friendly interface makes it easy. Plus, with 24/7 online banking services, you'll never miss a beat when it comes to managing your money. Need to send money to a friend? Our person-to-person transfer feature allows for quick and simple transactions right from your mobile device. And speaking of mobile devices, don't forget to download our mobile application! It brings all the power of online banking directly to your fingertips, enabling mobile payments that let you make purchases without fumbling for cash or cards.

Security and Convenience

Your security is our top priority. Our electronic signature authorization ensures that your documents are signed securely and conveniently online, without the hassle of printing or mailing paperwork. Additionally, if you prefer keeping track of your statements electronically, we provide e-statements that are not only eco-friendly but also easy to access anytime. Managing your finances should never feel overwhelming. At Credit Union One, we strive to make banking straightforward and accessible for everyone. Whether you're at home or out and about, our digital banking tools are here to support you every step of the way. Join us today and experience the future of banking firsthand!

Financial Strength

Growing Trust Among Members

Total Share and Deposit Accounts stand strong at 160,753, showing a robust and growing member base that trusts us with their finances. With net shares available for lending at $0, we assure you that your investments contribute positively to both your future and the community around us. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Credit Union One is your trusted partner. Visit us at 28201 Harper Ave Saint Clair Shores Mi 48081 or call (586) 447-3100 to learn more about how we can help you achieve your financial goals.

Members' Savings Are Secure

Members' savings are secured through $278,902,334 in share certificates and $306,964,735 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $5,363,417 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 317 full-time employees and 19 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for Your Benefit

With $144,155,201 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 $18,170 in used auto loans and $1,185,823,031 in total loans and leases.

Solid Financial Foundation

With a net worth of $175,340,962, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.29% 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 Financing Options

For those looking for business opportunities or personal projects, we also offer credit lines totaling $336,887,193, ensuring that you have access to funds when you need them most. Furthermore, if you're interested in refinancing existing loans or exploring eligibility options for any of our products, our knowledgeable staff is here to help. At Credit Union One, we're dedicated to supporting our community's financial well-being with products that empower and enhance your life. For more information on our loan offerings and how we can assist you further, visit us online at Credit Union One or contact us directly at 586-447-3100. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $273,403,455 in used vehicle loans and $76,372,005 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 car, we have flexible options tailored just for you.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $207,063,058. Our team is ready to guide you through the process and find the right solution for your home financing needs.

Unsecured Credit Card Loans

Managing everyday expenses is easier with our unsecured credit card loans. With a total of $22,418,002 in loans helping members effectively manage their finances, we provide flexible terms that fit your budget.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing data 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 guarantees that all offers displayed are fair and transparent, allowing users to make informed financial decisions without hidden agendas.

CREDIT UNION ONE CREDIT UNION - Saint Clair Shores, MI

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Personal Loans

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