Elga Credit Union Flushing MI | Affordable Auto Loans & Business Banking

Introduction

Welcome to Elga, your trusted financial partner in Flushing, MI! Established in 1968, our credit union has grown to serve a vibrant community of 98,406 members. Located at 6243 W Pierson Rd, we are dedicated to providing personalized banking solutions that empower you to achieve your financial goals. At Elga, we understand the importance of a solid financial foundation. With total assets reaching an impressive $1,549,071,974, and total deposits of $138,889,113, we are well-equipped to meet the diverse needs of our members. Our commitment goes beyond just numbers; it's about building lasting relationships within our community. Led by CEO Terry Katzur and Board President Harold Mott, our team is passionate about enhancing your banking experience. We proudly offer a range of services including personal checking and savings accounts, auto loans, mortgages, and business banking solutions tailored for every stage of life. While you can visit us at our Flushing branch for all your banking needs, please note that official correspondence should be directed to our mailing address at 6238 W Pierson Rd, Flushing, MI 48433-2339. With a dedicated staff of 306 employees, we are here to provide you with the attention and service you deserve. Whether you're looking for assistance with loans over 93,371 loans and leases have been successfully managed or seeking advice on managing your finances, we've got you covered. Explore our website at www.elgacu.com for more information or give us a call at 810-715-3542. Let us partner with you on your financial journey today!

Branch History & Mission

Welcome to Elga, a cornerstone of financial support in Flushing, MI. Since our doors opened in 1968, we have built a rich legacy of community involvement and member service. Located at 6243 W Pierson Rd, we are proud to serve our members and neighbors in the heart of Genesee County. Over the years, Elga has grown significantly, now boasting a membership of 98,406 individuals who trust us with their financial needs. Our total assets have reached an impressive $1,549,071,974, reflecting our commitment to providing robust financial solutions while remaining rooted in our community. Our mission is clear: to empower our members through accessible financial services while fostering a sense of community support. We strive to deliver personalized banking experiences that cater to each member's unique needs. Whether you're looking for checking accounts, auto loans, or mortgage refinancing, our dedicated team is here to guide you every step of the way. While members can visit us at 6243 W Pierson Rd, official correspondence should be sent to 6238 W Pierson Rd, Flushing, MI 48433-2339. This ensures that your communications reach us quickly and efficiently. At Elga, we understand the importance of adapting to modern conveniences. That's why we offer features like online banking and mobile payments alongside traditional services such as drive-thru banking and ATM access. Our commitment to accessibility extends beyond technology; we ensure our facilities meet ADA compliance standards so everyone can benefit from our services. We take pride in our partnerships with local organizations and initiatives that uplift the Flushing community. Our outreach efforts include educational programs and financial literacy workshops designed to help members make informed decisions about their finances. As we look towards the future, we invite you to join us on this journey. Experience the difference that a member-focused credit union can make in your life. Visit us today or explore more about becoming a member at Elga's website. Together, let's build a stronger community one financial success story at a time!

Branch Location & Accessibility

Accessibility Features

We understand that accessibility is important. Our branch is fully ADA compliant and equipped with ramps to ensure that everyone can visit us comfortably. Plus, we offer ample parking spaces so you can park without hassle while enjoying your time with us.

Operating Hours

Our doors are open during convenient hours to fit your busy schedule. You can visit us Monday through Thursday from 9:30 AM to 5:30 PM and on Fridays until 6:00 PM. We also provide a drive-thru service for quick transactions such as deposits and withdrawals, making your banking experience even smoother.

Services Offered

At Elga, we pride ourselves on providing a wide array of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. If you're looking for easy ATM access, we've got that too! Our ATM is available for cash withdrawals and balance checks whenever you need it. While members can visit us at 6243 W Pierson Rd for all their banking needs, please note that official correspondence should be sent to our mailing address at 6238 W Pierson Rd, Flushing, MI 48433-2339. We invite you to stop by or give us a call at 810-715-3542 to learn more about how we can assist you in achieving your financial goals. Your journey towards better banking starts here at Elga!

Member Eligibility

At Elga, we believe that everyone deserves a supportive financial community. Becoming a member is simple and welcoming, designed for individuals who live, work, or worship in our local area. If you're looking to join a place that prioritizes your needs, you'll find that here! We accept members from various backgrounds, making it easy for you to enjoy the benefits of our services. To discover the specific eligibility criteria and see if you qualify, please visit this link. Once you're ready to take the next step, opening an account is straightforward. You can start your membership journey online by visiting this page, or feel free to give us a call at (810) 715-3542 if you have any questions. Our friendly team is here to help you every step of the way. Join us at Elga, located at 6243 W Pierson Rd Flushing Mi 48433, and experience personalized banking tailored just for you!

Business Banking & Commercial Services

Financing Options for Growth

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 That Make Sense

In addition to loans, our merchant services streamline payment processes so you can focus on what matters most running your business. Imagine a local café using our services to accept card payments seamlessly. This not only boosts customer satisfaction but also enhances cash flow, allowing you to reinvest in your operations. Located at 6243 W Pierson Rd Flushing Mi 48433 in Flushing, MI, our dedicated team is here to support your business needs. Call us at (810) 715-3542 to learn more about how we can help you achieve your goals today!

Comprehensive List Of Services

Business Banking

For our business members, we provide essential services such as merchant services and business loans. These offerings are crafted to support local businesses in their growth while ensuring seamless transactions.

Credit Solutions

Managing debt can feel overwhelming at times. That's why we offer personal loans and debt consolidation solutions that allow you to take control of your finances without breaking the bank. And if you're looking for a credit card, our credit cards come with rewards that can benefit you on everyday purchases.

Digital Banking Convenience

In today's fast-paced world, convenience matters more than ever. With our robust online and mobile banking features, managing your finances has never been easier. You can access your accounts anytime, anywhere whether you want to check balances or transfer funds between accounts. Our ATM network is also readily available for cash withdrawals and balance checks when you're on the go.

Drive-Thru & ATM Services

We know that some transactions are best done in person. That's why we offer basic drive-thru banking services for deposits, withdrawals, and simple transactions right from your car! And for quick cash needs or balance inquiries outside regular hours, our ATMs are conveniently located for easy access. At Elga, we pride ourselves on being more than just a financial institution; we're a community partner committed to supporting our members' financial journeys. If you have any questions about our services or would like to speak with one of our knowledgeable staff members, don't hesitate to give us a call at 810-715-3542. Ready to explore how we can assist you? Visit us at 6243 W Pierson Rd Flushing MI 48433, or learn more about opening an account with us here. Your financial success starts today!

Personal Banking

When it comes to managing your day-to-day finances, our personal banking services make it easy. We offer both checking and savings accounts that cater to different lifestyles and goals. For those considering a new car or needing vehicle financing, our auto loans provide competitive rates and flexible terms tailored just for you. Plus, if home ownership is on your mind, our mortgage loans and refinancing options are designed to help you secure your dream home at an affordable rate.

Digital & Online Banking

Accessibility and Security

We know that security is paramount when it comes to banking. That's why our online services are built with top-notch security measures to protect your information while ensuring a user-friendly experience. You can rest easy knowing that your sensitive data is safe with us. In summary, at Elga, we are committed to providing you with accessible and efficient digital banking solutions that empower you to manage your finances effortlessly. Join us today at https://www.elgacu.com/ and discover how easy banking can be!

Key Features

One of the standout features of our service is the ability to sign documents electronically. With Yes, you can complete transactions quickly without needing to visit a branch. Plus, our e-statements make it simple to keep track of your financial activity without the clutter of paper statements. You can access your e-statements anytime, anywhere. For those who prefer managing finances on their mobile devices, our mobile application is available for download. It brings all the power of online banking right to your fingertips, allowing you to make person-to-person transfers with ease through our Yes feature. And if you're out shopping, take advantage of our mobile payments feature making payments has never been easier!

Financial Strength

Growing Together

Total Share Accounts stand at 234,001, showing a strong and growing member base that trusts us with their finances. Net Shares (funds available for lending and investments) amount to $917,123, reflecting our ability to support your borrowing needs while maintaining a healthy balance sheet. 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 6243 W Pierson Rd Flushing Mi 48433 or call (810) 715-3542 to learn more about how we can help you achieve your financial goals.

Investment in Your Future

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 is further demonstrated by $25,661 in used auto loans and $1,202,515,854 in total loans and leases, which supports your financial goals across various sectors. Our operational efficiency is reflected in our $0, allowing 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 ready to assist you with their knowledge and dedication.

Member-Centric Savings

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.

Solid Financial Health

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. This robust financial foundation enables us to be here for you today and in the future. 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. This ratio reflects our commitment to maintaining the resources necessary to support our members' needs.

Loan Offering

Additional Financing Options

For those seeking business opportunities, our outstanding commercial loans totaling $149,592,376 provide the capital needed to grow and expand. We are committed to supporting local businesses and fostering economic growth within our community. If you're interested in refinancing any of these products or exploring eligibility options, our team at Elga is here to assist you every step of the way. Our branch is conveniently located at 6243 W Pierson Rd Flushing Mi 48433, Flushing, MI, making it easy for you to visit us. If you have any questions or would like to learn more about our loan offerings, please call us at (810) 715-3542. 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 Elga, we're dedicated to helping you achieve your financial goals through accessible lending solutions tailored just for you.

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. Whether you're looking for financing on a brand-new vehicle or a reliable used car, we have options that fit your budget.

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 provide flexible terms and competitive rates to help you secure your dream home without the hassle.

Unsecured Credit Card Loans

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. Enjoy the freedom of spending while keeping an eye on your budget with our low-interest credit card options.

Loan Aggregator

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Elga