Embers Credit Union Gwinn MI | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Embers, your trusted financial partner located at 9 W State Highway M35, Gwinn, MI 49841. Established in 1953, we have proudly served our community for decades, building a legacy of trust and reliability. With over 31,800 members, we strive to provide personalized banking services that cater to your unique needs. At Embers, we believe in empowering our members with the right financial tools. Our total assets stand strong at $542,213,774, which reflects our commitment to financial stability and growth. We offer a wide range of products including auto loans, mortgages, personal loans, and business banking solutions tailored just for you. With $24,469,370 in deposits and a net worth of $67,073,477, you can trust that your money is safe with us. Our leadership team is dedicated to fostering a supportive environment. Led by CEO Thomas Blake and Board President Sandra Villa-Mogush, our staff of 119 employees is here to help you every step of the way. Whether you are looking for assistance with loans or exploring savings options, we are ready to serve you. While members can visit us at our branch location in Gwinn, official correspondence should be sent to the same address: 9 W State Highway M35, Gwinn, MI 49841. We invite you to explore all that Embers has to offer! Visit our website at https://www.embers.org or give us a call at 906-228-7080 during our operating hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 12 PM. Let's work together towards your financial goals today!

Branch History & Mission

Community Commitment

Embers is more than just a credit union; it's a part of the fabric of Gwinn. Over the years, we've partnered with local organizations and schools to support initiatives that uplift our community. Whether through scholarships or local events, we work hard to give back where it matters most. In this digital age, we've also embraced technology with features like mobile payments and online banking options that make managing your finances more convenient than ever. Our commitment extends beyond traditional banking; we ensure ADA compliance and customer-centric initiatives so everyone can access our services comfortably. We invite you to join us on this journey experience the difference that comes with being part of a credit union that truly cares about its members. Connect with us today at 906-228-7080 or visit our website to learn more about how we can help you achieve your financial goals. Let's grow together!

Our Mission

The mission of Embers is simple yet profound: We aim to empower our members by providing accessible financial services while fostering a supportive environment. Our values center on integrity, respect, and community involvement. We believe that everyone deserves a chance to thrive financially, and we strive to make banking easier for everyone from personal checking accounts to auto loans and business financing. While you can visit us at our branch address for all your banking needs including drive-thru services for added convenience we encourage official correspondence to be sent to 9 W State Highway M35, Gwinn, MI 49841 if it differs from your regular visits.

Branch Location & Accessibility

Welcome to Embers, your friendly credit union located at 9 W State Highway M35 in Gwinn, MI. Situated in the heart of Marquette County, our branch is easily accessible for all members and visitors. Whether you're coming from downtown Gwinn or nearby landmarks like the scenic Gwinn Area Community Schools, you'll find us conveniently located with plenty of parking available right outside our doors. At Embers, we understand the importance of convenience, which is why we offer a range of services designed to meet your financial needs. You can visit us during our welcoming operating hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 12 PM. Our team is ready to assist you with personal banking, auto loans, mortgages, and more. For added convenience, we provide an ATM on-site and a drive-thru service for quick transactions without leaving your vehicle. If you need to send official correspondence, while you can visit us at our branch address, please direct mail to the same location: 9 W State Highway M35, Gwinn, MI 49841. Accessibility is a priority for us. Our branch complies with ADA standards, ensuring that everyone can easily access our services. If you have any questions or would like to learn more about what we offer, don't hesitate to call us at 906-228-7080. We look forward to seeing you soon!

Member Eligibility

At Embers, we believe that everyone deserves to be part of a community that supports their financial journey. Becoming a member is simple and welcoming! If you live, work, or worship in the area, you're likely already eligible to join us. We also extend our membership to family members of existing members, which means your loved ones can benefit from our services too. As a member of Embers, you'll enjoy a range of advantages, including competitive rates on loans and savings accounts, personalized service, and access to a variety of financial products tailored just for you. To get started with your membership at Embers, just visit us at our branch located at 9 W State Highway M35 Gwinn Mi 49841 or give us a call at (906) 228-7080. You can also find more detailed information about eligibility criteria by checking out our website. Once you're ready to open an account, the process is straightforward simply head over to https://my.embers.org/enroll to begin your journey with us today!

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 $403 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $113,641,284, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced market, having reliable merchant services is crucial for any business. Whether you're a small café or a growing retail store in Gwinn, MI, our solutions can help streamline your payment processes. Imagine being able to accept payments quickly and securely while providing excellent customer service at the same time. That's what we aim to achieve for you at Embers. If you're ready to take your business to the next level, visit us at 9 W State Highway M35 Gwinn Mi 49841 or call us at (906) 228-7080. Let's work together to turn your vision into reality!

Comprehensive List Of Services

Business Banking Solutions

For local business owners, we understand the importance of having reliable financial support. Our business banking services, including merchant services and business loans, are tailored to help your business thrive.

Credit Cards and Rewards

Enhance your purchasing power with our credit cards with rewards. These cards not only help you build credit but also offer perks that can benefit you on everyday purchases or travel expenses.

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why at Embers, we provide robust online and mobile banking options. You can easily access your accounts, transfer funds, pay bills, and even make person-to-person payments right from your phone or computer. Plus, with our ATM services available for cash withdrawals and balance checks, managing your money has never been easier.

Drive-Thru and ATM Services

Need to handle simple transactions quickly? Our basic drive-thru banking allows you to deposit or withdraw cash without leaving your vehicle. And if you're on the go, our ATMs provide easy access for withdrawals and balance inquiries whenever you need them. No matter what stage you're at in life whether saving for college, buying a car, starting a business, or planning for retirement Embers is committed to providing personalized service and guidance. For more information about how we can assist you or to explore any specific service further, please give us a call at (906) 228-7080 or visit us at Gwinn Branch today! Your financial success is just a conversation away!

Personal Banking

We offer a variety of personal banking solutions designed for everyone. From checking and savings accounts that help you manage your everyday finances to auto loans and vehicle financing that can get you behind the wheel of your dream car, our offerings are built with you in mind. If you're considering buying a home, our mortgage loans and refinancing options can make your homeownership dreams a reality. For those looking to consolidate debt or finance a personal project, our personal loans provide the flexibility you need.

Digital & Online Banking

At Embers, we understand that convenience and security are key to your banking experience. That's why we offer a range of digital and online banking services designed to fit your busy lifestyle. With just a few clicks, you can manage your finances from anywhere, anytime. Our online banking platform, accessible at https://www.embers.org/, allows you to check balances, transfer funds, and pay bills with ease. You can also enjoy the benefit of e-statements, helping you stay organized while minimizing paper clutter. Plus, with our electronic signature authorization feature, signing documents online is quick and secure no need for time-consuming visits to the branch. Need to send money to a friend? Our person-to-person transfer service makes it simple. Just a few taps on your mobile device and the funds are on their way. Speaking of mobile devices, our mobile application is available for download, giving you access to all these features right at your fingertips. For those who love using their smartphones for payments, we have integrated mobile payment options that let you make purchases quickly and securely. Whether you're at a store or dining out, paying has never been easier. What if you have questions or need assistance? Our 24/7 online banking services ensure that help is always available when you need it most. With all these features working together, managing your finances becomes straightforward and stress-free. Join us at Embers today and experience the freedom of digital banking tailored just for you!

Financial Strength

Commitment to Growth

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 supports your financial goals with $5,876 in used auto loans and $338,933,056 in total loans and leases.

Member Trust

Total Share and Deposit Accounts stand at 75,885, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $884,593. 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 9 W State Highway M35 Gwinn Mi 49841 or call (906) 228-7080 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

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.

Secure Savings Options

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.

Solid Foundation

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.

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. We provide flexible financing options that can fit your budget. With competitive rates and terms designed for every driver, getting behind the wheel has never been easier.

Credit Lines and Commercial Loans

For those needing ongoing access to funds, our total credit lines amount to $78,385,000, providing you with the flexibility to handle any situation that comes your way. If you're a business owner looking for growth opportunities, our outstanding commercial loans totaling $113,641,284 offer essential capital for expansion and operational needs. If you're considering refinancing or want to explore eligibility options for any of these products, don't hesitate to reach out! Our friendly team at Embers is ready to assist you with personalized service tailored to your unique circumstances. For more information or to discuss your loan options further, give us a call at (906) 228-7080 or visit us at 9 W State Highway M35 Gwinn MI 49841. We're open Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM; Saturday from 9 AM to 12 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take control of your financial future today!

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 help you navigate the process with ease so you can focus on making your house a home. Our team is here to assist you through every step of securing your dream property.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $14,061,652 in loans helping members manage their finances effectively. With our credit cards, you can enjoy rewards while keeping track of your spending and managing debt responsibly.

Loan Aggregator

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EMBERS CREDIT UNION - Gwinn, MI

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