Elga Credit Union Clio MI | Affordable Vehicle Loans & ATM Services

Introduction

Welcome to Elga Credit Union, your trusted financial partner since 1968! Located at 7026 W Vienna Rd, Clio, MI 48420, we are dedicated to supporting our members with personalized banking services that cater to their unique needs. With a proud membership of 98,406 and total assets exceeding $1.5 billion, we strive to make a positive impact on the community we serve. At Elga, our commitment goes beyond just numbers. We believe in fostering relationships built on trust and reliability. Our CEO, Terry Katzur, along with our Board President, Harold Mott, lead our dedicated team of 306 employees who are always ready to assist you. Whether you're looking for auto loans, mortgage options, or personal banking services, we have tailored solutions designed to help you reach your financial goals. While members can visit us at our branch location, official correspondence should be sent to the same address: 7026 W Vienna Rd, Clio, MI 48420. We also offer convenient services including online banking and mobile payments to ensure that managing your finances is as easy as possible. With total deposits reaching $138,889,113 and a net worth of $401,522,380, Elga Credit Union stands strong as a reliable institution for all your financial needs. We encourage you to give us a call at 810-715-3542 or visit our website at www.elgacu.com to learn more about how we can help you thrive financially. Join us today and experience the difference of being part of the Elga family!

Branch History & Mission

Evolution and Growth

Elga started as a small credit union with a mission to provide affordable financial services to everyone in Clio. Over the years, we've expanded our offerings significantly while maintaining our core values of service and community support. With total assets now exceeding $1,549,071,974, we are well-equipped to meet the diverse needs of our members. We offer a range of services including checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking solutions. Our commitment to innovation has led us to embrace technology that enhances member experience. From online banking and mobile payments to electronic signatures and e-statements, we strive to make banking easier for everyone. We ensure ADA compliance so that all our members can access our services comfortably.

Join Us Today!

We invite you to become part of our thriving family at Elga. Whether you're looking for competitive loan rates or simply want a friendly place to manage your finances, we're here for you. Explore all we have to offer by visiting our website at elgacu.com or give us a call at 810-715-3542. Join us today and experience firsthand how Elga can help you achieve your financial goals while making a positive impact on the Clio community!

Mission Statement

At Elga, our mission is clear: to empower our members financially while giving back to the community that supports us. We believe that financial success is best achieved through education and partnership. That's why we actively engage in community outreach programs and partner with local organizations to help those in need. While members can visit us at 7026 W Vienna Rd, official correspondence should be sent to the same address as it serves both as our branch and mailing address. We also offer convenient drive-thru services and ATM access for easy transactions.

Branch Location & Accessibility

Convenient Access and Features

We understand how important accessibility is for our members. That's why our branch is equipped with features that ensure everyone can visit us comfortably. You'll find ample parking right outside, along with ADA-compliant ramps and entrances for easy access. Plus, our drive-thru banking service allows you to handle quick transactions without leaving your vehicle.

Let's Connect!

If you have any questions or would like more information about our services, don't hesitate to call us at 810-715-3542. We're here to help! Stop by today and discover how Elga can assist you in achieving your financial goals.

Operating Hours and Services

Elga's Clio branch welcomes you Monday through Thursday from 9:30 AM to 5:30 PM and extends our hours on Fridays until 6:00 PM. Whether you're looking to open a new checking account, apply for an auto loan, or explore our credit card options with rewards, we've got you covered. We also provide ATM services for your convenience, allowing you to withdraw cash or check balances anytime. While members can visit us at 7026 W Vienna Rd, official correspondence should be sent to the same address since it serves as both our branch and mailing location.

Member Eligibility

At Elga, we believe that everyone deserves a chance to be part of a caring and supportive community. Joining us as a member is simple! If you live, work, or worship in the Clio area, you're already eligible to become a part of our family. We welcome individuals from all walks of life, so whether you're just starting out or looking for a place to grow your financial future, we're here for you. Our members enjoy a range of benefits, including personalized service and access to great financial products tailored to your needs. To get started on your membership journey with us at Elga, simply visit our branch located at 7026 W Vienna Rd Clio Mi 48420 or give us a call at (810) 715-3542. You can find detailed eligibility criteria and more information about joining us at http://www.elgacu.com/bank/become-a-member/. Ready to open an account? It's easy! Just head over to https://elgacu.financialhost.org/registration and take the first step towards becoming a valued member of our community.

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1,525 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $149,592,376, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer practical merchant services that simplify payment processing. Imagine having the ability to accept payments easily, whether through credit cards or mobile transactions. This convenience not only enhances customer satisfaction but also improves your cash flow. At Elga, we equip you with the tools needed to handle transactions efficiently, allowing you to focus on what matters most growing your business. Visit us at 7026 W Vienna Rd Clio Mi 48420 in Clio, MI, or call us at (810) 715-3542 to learn more about how our business banking and commercial services can benefit you!

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash quickly? Enjoy easy access with our ATM services, available 24/7 for withdrawals and balance checks. Plus, take advantage of our basic drive-thru banking for quick deposits or simple transactions without leaving your car. We invite you to visit us at 7026 W Vienna Rd Clio Mi 48420 or give us a call at (810) 715-3542 for more information on how we can assist you with these services. At Elga, we're not just a credit union; we're a part of your community committed to helping you achieve financial success. Explore all that we have to offer by visiting our website at Clio. Join us today!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options can help turn that dream into reality. With competitive rates and flexible terms, we make it simple for you to get behind the wheel of your desired vehicle. Whether you're buying new or used, our team will assist you every step of the way.

Business Banking

For our business members, we offer robust business banking services, including merchant services and business loans. Whether you're starting a new venture or looking to expand an existing one, our team understands the local market and can provide insights tailored to your business needs.

Mortgage Loans & Refinancing

Homeownership is a significant milestone, and at Elga, we offer tailored mortgage loans and refinancing options to make it achievable. Our mortgage specialists will work closely with you to find the best solution for your budget and lifestyle. We know that every homebuyer's situation is different, which is why we provide personalized guidance throughout the process.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why Elga offers comprehensive online and mobile banking features. You can easily manage your accounts from anywhere check balances, transfer funds, pay bills, or even deposit checks right from your smartphone. Our goal is to ensure that banking fits seamlessly into your busy life.

Personal Banking

Whether you're looking to manage your day-to-day finances or save for future goals, our personal banking services are designed with you in mind. From checking and savings accounts that offer competitive interest rates to help your money grow, to personal loans and debt consolidation options that can ease your financial burdens, we've got you covered. Imagine having the flexibility to access funds when you need them or the peace of mind knowing your savings are working hard for you.

Digital & Online Banking

Key Features

With our 24/7 online banking services, you can view your account balances, check transaction history, and pay bills all from the comfort of your device. For those who appreciate going paperless, we provide E-Statements so you can receive important account information electronically, reducing clutter while keeping your details safe. Need to send money quickly? Our person-to-person transfer feature allows you to send funds to friends or family without any hassle. Plus, our mobile payments option means you can make purchases directly from your smartphone perfect for those moments when you're out and about.

User-Friendly Experience

We also offer a mobile application that gives you full access to your accounts right in your pocket. With easy navigation and user-friendly design, managing your finances is straightforward and efficient. And if you're worried about security, rest assured that we provide electronic signature authorization, adding an extra layer of protection to your transactions. At Elga, we're committed to making banking accessible and convenient for everyone. With real-time account management and various digital tools at your fingertips, you'll have everything you need to stay on top of your finances effortlessly. Explore all these features today and discover how simple banking can be!

Financial Strength

At Elga, 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 proud to report that our financial strength is robust, ensuring we can continue to meet your needs effectively. With a net worth of $401,522,380, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $2,587 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 $137,373,491 in share certificates and $382,055,773 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $49,643,677, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $225,498,882 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 $25,661 in used auto loans and $1,202,515,854 in total loans and leases. 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 294 full-time employees and 12 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $917,123. Total Share and Deposit Accounts: 234,001, showing 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, Elga is your trusted partner. Visit us at 7026 W Vienna Rd Clio Mi 48420 or call (810) 715-3542 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $384,046,925 in used vehicle loans and $94,175,508 in new vehicle loans already helping members get on the road. We provide flexible financing options tailored to fit your budget. Don't forget that refinancing options are available if you want to lower your current auto loan payments.

Business Loans

For business owners looking for growth opportunities, our outstanding commercial loans totaling $149,592,376 provide the capital needed to expand and succeed in today's competitive market. We understand the unique challenges businesses face and are here to support you every step of the way.

Credit Lines

Additionally, our credit lines allow for quick access to funds whenever you need them. With a total of $263,127,345 available through this product type, it's an excellent choice for those who want flexibility in managing their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Feel free to reach out to us at 810-715-3542 or visit us at our branch located at 7026 W Vienna Rd Clio Mi 48420 for more information on how we can assist you with your borrowing needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $77,194,234, make buying or refinancing simple. We strive to make the process easy and transparent so that you can move into your dream home without any hassle.

Unsecured Credit Card Loans

Managing day-to-day expenses can be tricky, which is why we also offer flexible terms on unsecured credit card loans. With a total of $64,232,832 in loans helping members manage their finances effectively, our credit cards come with rewards and benefits that make spending easier.

Loan Aggregator

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Elga