Embers Credit Union Escanaba MI | Best Auto Loans & Business Banking

Introduction

Welcome to Embers, your trusted financial partner in the heart of Escanaba, Michigan. Since our establishment in 1953, we have dedicated ourselves to providing personalized banking solutions that cater to the unique needs of our community. Located at 2600 1st Ave S, Escanaba, MI 49829, our branch is more than just a place to manage your money; it's a hub where relationships are built and dreams are supported. At Embers, we take pride in our strong commitment to our members, boasting a total membership of 31,807 and total assets reaching an impressive $542,213,774. With a wide range of services including personal banking, auto loans, mortgages, and business financing, we aim to empower you at every step of your financial journey. Our total deposits stand at $24,469,370, indicating the trust placed in us by our valued members. Under the leadership of CEO Thomas Blake and Board President Sandra Villa-Mogush, our team of 119 employees is here to ensure you receive exceptional service every time you visit. Whether you need assistance with loans where we currently hold a total of 27,997 loans and leases or simply want to explore our online banking options, we are ready to help. While members can visit us at our branch for all their banking needs, official correspondence should be sent to our mailing address at PO Box 756, Escanaba, MI 49829. We invite you to reach out with any questions by calling us at 906-786-7213. Join us today as we continue to grow together because when it comes to your finances, you deserve a credit union that truly cares about your success. Visit our website at Embers for more information or stop by and experience the difference!

Branch History & Mission

Community Engagement

Our outreach extends beyond traditional banking services. We actively partner with local organizations and participate in events that enhance community well-being. This includes educational programs aimed at improving financial literacy among residents.

Join Us!

As we continue this journey together, we invite you to experience the benefits of being part of Embers. Whether you're looking for a new checking account or seeking financing options for your dream car, we're here for you every step of the way. Stop by our branch or contact us at 906-786-7213 today! Join us and become part of a community-focused credit union that truly cares about your financial success!

Our Evolution

Located at 2600 1st Ave S, our Escanaba branch has been a beacon for financial assistance and empowerment. With convenient access near local landmarks, we are proud to be part of the fabric of this vibrant community. Our dedicated team works tirelessly to ensure that our members receive personalized services tailored to their unique needs. Embers has consistently embraced innovation while honoring our founding principles. We have made significant strides in digital banking, allowing members to manage their finances online or via mobile applications easily. Additionally, our commitment to accessibility ensures that all our facilities meet ADA standards.

Our Mission Statement

At Embers, our mission is clear: we strive to provide exceptional financial services while uplifting the communities we serve. We believe in building lasting relationships with our members and supporting local initiatives that foster growth and prosperity. Whether through personal banking options like checking accounts, auto loans, or business services such as merchant solutions and loans, we are dedicated to helping you achieve your financial goals. While members can visit us at 2600 1st Ave S Escanaba MI 49829 for all their banking needs, official correspondence should be sent to PO Box 756, Escanaba, MI 49829 if different.

Branch Location & Accessibility

Call Us or Stop By!

Whether you're looking to open a new account or simply have questions about our services, our dedicated team is here to help! Feel free to give us a call at 906-786-7213 or stop by during our operating hours. We can't wait to welcome you into the Embers family!

Easy Access and Parking

At Embers, we prioritize accessibility for all our members. Our branch is ADA compliant and features ramps to ensure that everyone can access our services without any hassle. Ample parking is available right outside the building, making your visit quick and easy.

Operating Hours That Fit Your Schedule

We understand that life can get busy, which is why we offer flexible operating hours to suit your needs. You can visit us Monday through Friday from 9 AM to 5 PM in the lobby. If you prefer using our drive-thru service, it's open Thursday and Friday until 6 PM and on Saturday from 8:30 AM to 1 PM. This means you can bank when it's most convenient for you!

Services Just for You

At Embers, we provide a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we have something for everyone. Plus, with an ATM available on-site, accessing your funds is quick and straightforward.

Member Eligibility

At Embers, we believe that everyone deserves to be part of a community that cares and supports one another. Joining us is easy and welcoming! If you live, work, worship, or attend school in Delta County, you're already eligible to become a member. We're here to provide you with personalized financial services that can help you achieve your goals. Not only do our members enjoy competitive rates on loans and savings accounts, but they also gain access to a range of financial tools tailored just for them. Getting started is simple! You can find all the details about becoming a member at Embers by visiting our eligibility page. When you're ready to open an account, check out the straightforward process outlined at https://my.embers.org/enroll. If you have any questions or need assistance, don't hesitate to give us a call at (906) 786-7213. We can't wait to welcome you into our family!

Business Banking & Commercial Services

Member Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $403 in commercial loans for our members, helping businesses scale and succeed. From purchasing new equipment to expanding your operations, our tailored loan solutions empower you to take the next step.

Merchant Services

In addition to loans, we offer merchant services that simplify payment processing. Imagine your customers being able to pay easily via credit or debit card while you focus on what you do best running your business. Our solutions cater to various industries, ensuring you have the tools needed for smooth transactions. Discover how Embers can be your partner in growth. Visit us at 2600 1St Ave S Escanaba Mi 49829 or call us at (906) 786-7213 today!

Non-Member Support

We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions that make a difference when it matters most.

Outstanding Loan Portfolio

With an outstanding commercial loan portfolio of $113,641,284, we continue to drive economic growth by financing new and expanding businesses right here in Escanaba, MI.

Comprehensive List Of Services

Accessibility & Convenience

To make banking even easier, we provide access to ATMs for cash withdrawals and balance checks along with basic drive-thru banking services for simple transactions like deposits and withdrawals. We're open during convenient hours throughout the week our friendly staff is ready to assist you at our branch located at 2600 1St Ave S Escanaba Mi 49829 in Escanaba, MI.

Business Banking Services

For local entrepreneurs, we offer comprehensive business banking solutions, including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're committed to supporting the growth of businesses in our community.

Credit Options for Every Need

Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation options come into play. Whether you're looking to cover an emergency expense or simplify your finances by consolidating existing debts, we've got the solutions you need. Additionally, our credit cards with rewards allow members to earn benefits while making everyday purchases. It's an easy way to add value back into your spending habits.

Get Started Today!

If you're ready to take control of your financial future or simply want more information about how we can serve you better, give us a call at (906) 786-7213 or visit us online at Escanaba Branch. At Embers, we're not just about banking; we're about building relationships that last a lifetime!

Personal Banking Solutions

Starting with the essentials, we offer checking and savings accounts designed to fit your lifestyle. Imagine being able to manage your finances easily, with online access that allows you to check balances, transfer funds, and pay bills from anywhere. This is exactly what our online and mobile banking features provide. You can even make quick payments through mobile payment options, ensuring convenience at your fingertips. For those looking to finance their dream car, our auto loans and vehicle financing are tailored just for you. We understand that buying a car is a significant investment, which is why our team is here to guide you through competitive rates and flexible terms. And if you're considering homeownership or refinancing your current mortgage, our mortgage loans and refinancing services will assist you in navigating these important decisions with ease.

Digital & Online Banking

Environmentally Friendly Options

Going paperless? We've got you covered with e-statements. Enjoy the ease of accessing your statements digitally while helping the environment at the same time. With all these features available through https://www.embers.org/, managing your finances has never been simpler or more secure. Join us today at Embers and experience banking designed for your life!

Key Features for You

Our online banking services provide 24/7 access, allowing you to check balances, pay bills, and transfer funds with just a few clicks. If you're on the go, our user-friendly mobile application is available too! You can make mobile payments and even send money directly to friends and family with our person-to-person transfer feature. No more waiting in lines or rushing to the bank before closing time!

Security You Can Trust

Security is our priority. At Embers, we use advanced encryption technology to keep your information safe. Plus, our electronic signature authorization means you can sign documents securely from home, adding an extra layer of convenience without compromising safety.

Financial Strength

At Embers, 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 share our robust financial position, which reflects our commitment to serving you. With a net worth of $67,073,477, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.35% 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 $139,799,707 in share certificates and $105,165,599 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. With $37,666,114 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 substantial; with $5,876 in used auto loans and $338,933,056 in total loans and leases, we're ready to support your financial goals across various sectors. Our operational efficiency is reflected in our $1,510,227, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 97 full-time employees and 22 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): $884,593. Total Share and Deposit Accounts: 75,885, showing a strong and growing member base that trusts us with 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. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Embers is your trusted partner. Visit us at 2600 1St Ave S Escanaba Mi 49829 or call (906) 786-7213 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 $83,931,179 in used vehicle loans and $14,088,313 in new vehicle loans already helping members get on the road. Whether you're eyeing a brand-new model or a reliable used vehicle, our financing options can help you drive away with confidence.

Business Financing

For business owners, our outstanding commercial loans totaling $113,641,284 provide the capital needed to grow and expand your business. We understand that running a business requires access to funds when you need them most.

Credit Lines and Unsecured Loans

For those looking for more flexibility, we also provide credit lines totaling $78,385,000. This option allows you to borrow as needed while only paying interest on what you use. Additionally, we offer flexible terms on unsecured credit card loans, with a total of $14,061,652 in loans helping members manage their finances effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $22,636,116, make buying or refinancing simple. We aim to make the process smooth and stress-free, ensuring that you have the support you need every step of the way.

Refinancing Options

If you're considering refinancing existing loans, we have options available that could save you money over time. Our team can help assess your current situation and guide you through potential eligibility options tailored for your financial circumstances. Whether you're ready to apply or just want more information about our loan offerings, feel free to contact us at (906) 786-7213 or visit us at our branch located at 2600 1St Ave S Escanaba Mi 49829. Our dedicated team is here to assist you with all your lending needs. 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 Embers, we're committed to supporting your journey towards financial success!

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EMBERS CREDIT UNION - Escanaba, MI

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