Embers Credit Union Marquette MI | Affordable Auto Loans & Mortgage Refinancing

Introduction

Welcome to Embers, your trusted financial partner located at 1001 W Baraga Ave, Marquette, MI 49855. Since our establishment in 1953, we have been committed to serving the financial needs of our community with integrity and care. With a robust membership of 31,807 individuals and total assets amounting to an impressive $542,213,774, we are proud to be a cornerstone of financial support in the Marquette area. At Embers, we understand that every member's journey is unique. That's why we offer a range of services tailored just for you from personal banking solutions like checking and savings accounts to specialized loans for vehicles and mortgages. Our dedicated team of 119 employees, led by CEO Thomas Blake and Board President Sandra Villa-Mogush, is here to provide personalized service that makes banking easier and more accessible. While members can visit us at our branch, official correspondence should be sent to the same address: 1001 W Baraga Ave, Marquette, MI 49855. We invite you to discover how our focus on community impact and member satisfaction sets us apart. With total deposits of $24,469,370 and cash in hand totaling $3,503,574, we ensure your money is safe while working hard for you. Explore our website at https://www.embers.org for more details on how we can support your financial goals or call us at 906-228-7080 during our operating hours: Monday through Friday from 8 AM to 6 PM and Saturday from 8 AM to 12 PM. Join us today and experience the difference with Embers!

Branch History & Mission

At Embers, we take pride in our rich history and unwavering commitment to our community in Marquette, MI. Since opening our doors in 1953, we have grown from a small credit union into a trusted financial partner for over 31,000 members. Our branch, located at 1001 W Baraga Ave, has become a cornerstone of the community, providing essential financial services and support. Over the years, Embers has evolved significantly. We have expanded our services to include personal banking solutions like checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards. Our total assets now stand at an impressive $542 million, reflecting our growth and stability. This development allows us to better serve our members while maintaining a strong focus on community welfare. Our mission is simple yet profound: to empower our members through accessible financial services while fostering a supportive environment that strengthens our community ties. We believe that everyone deserves a chance to thrive financially, which is why we prioritize both innovative banking solutions and community outreach initiatives. Whether it's sponsoring local events or partnering with organizations that uplift those in need, we strive to make a positive impact beyond just banking. While members can visit us at our Marquette branch for all their banking needs our operating hours are Monday to Friday from 8 am to 6 pm and Saturday from 8 am to 12 pm official correspondence should be sent to the same address: 1001 W Baraga Ave, Marquette, MI 49855. We also offer convenient ATM access and drive-thru banking for added ease. As we look forward to the future, we remain committed to enhancing our digital offerings and ensuring ADA compliance so that all members can engage with us comfortably. Our online banking system is designed with you in mind, allowing for easy management of accounts from anywhere. Join us at Embers as we continue this journey together! Experience firsthand how we can help you achieve your financial goals while making a meaningful difference in the Marquette community. For more information about becoming a member or exploring our services further, please visit Embers' website or give us a call at 906-228-7080. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to Embers, your friendly neighborhood credit union located at 1001 W Baraga Ave in beautiful Marquette, MI. Our Main Branch is ideally situated near popular local spots, making it easy for you to stop by and take care of your banking needs. Whether you're heading to the nearby Marquette Commons or just enjoying a day out in the community, we are here for you. At Embers, we prioritize accessibility. Our branch features ADA-compliant entrances and ramps to ensure everyone can visit us comfortably. Plus, we offer ample parking right outside the building, so you won't have to worry about finding a spot when you arrive. We understand that your time is valuable, which is why we've extended our operating hours. You can visit us from Monday through Friday between 8 AM and 6 PM, and on Saturdays from 8 AM to 12 PM. If you prefer banking on-the-go, we've got you covered with convenient ATM access available at our location. For those who enjoy the ease of drive-thru banking, our branch offers this service as well, allowing you to complete simple transactions without leaving your vehicle. While our services range from personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we're always ready to assist you with any questions or needs you may have. If you need to send official correspondence, please note that our mailing address is also 1001 W Baraga Ave in Marquette, MI 49855. Feel free to give us a call at 906-228-7080 if you have any inquiries or need assistance before visiting. We invite you to come see us soon at Embers where your financial journey begins!

Member Eligibility

At Embers, we believe that becoming a member is like joining a caring family dedicated to your financial well-being. If you're wondering whether you can join us, the good news is that our membership is open to anyone who lives, works, worships, or attends school in Marquette County. This means if you have roots in our community, you're likely eligible to enjoy all the benefits we offer. By becoming a member of Embers, you'll gain access to personalized banking solutions tailored just for you, including competitive loan rates and flexible savings options that help you achieve your financial goals. Getting started is simple! You can easily open an account by visiting our website at https://my.embers.org/enroll or give us a call at (906) 228-7080 if you have any questions. For more detailed information on eligibility requirements and updates, please check out our resource page. We're here to support you every step of the way as you take this important step toward better banking!

Business Banking & Commercial Services

Commercial Loans that Empower Growth

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 that Make Transactions Easy

Imagine running your business with the confidence that your payment processes are smooth and efficient. Our merchant services provide exactly that, allowing you to focus on what you do best serving your customers. By simplifying transactions, we help you maintain cash flow and enhance customer satisfaction. If you're looking for flexible financing solutions or innovative merchant services, visit us at 1001 W Baraga Ave Marquette Mi 49855 in Marquette, MI. Let's work together to turn your business aspirations into reality!

Comprehensive List Of Services

Business Banking

For our business members, Embers offers comprehensive banking solutions tailored to support your entrepreneurial spirit. From merchant services that streamline transactions to business loans that fuel growth, we've got the tools you need to succeed.

Community Connection

At Embers, we believe in building strong relationships within our community. We strive to make banking simple and accessible for everyone in Marquette and beyond. Our friendly staff is always available to answer questions or guide you through any service you might need. Ready to take the next step? Call us at (906) 228-7080 or visit us at 1001 W Baraga Ave Marquette Mi 49855 during our operating hours: Monday through Friday from 8 AM to 6 PM and Saturday from 8 AM to 12 PM. Discover how Embers can help empower your financial journey today!

Digital Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features. With just a few taps on your smartphone or clicks on your computer, you can manage your accounts, transfer funds, and pay bills anytime, anywhere. Our ATM services ensure easy access to cash when you need it most, while our drive-thru banking allows for quick deposits and withdrawals without leaving your car.

Personal Banking

Our personal banking services are designed with you in mind. If you're starting your savings journey, consider our checking and savings accounts, which offer flexibility and convenience. Need a new car? Our auto loans and vehicle financing options make it easy to drive away with the vehicle you want. For those considering homeownership or looking to refinance, our mortgage loans provide competitive rates and terms that suit your budget. Additionally, we know that life can sometimes throw unexpected challenges your way. That's why we offer personal loans and debt consolidation options to help you regain control of your finances. Plus, don't forget about our credit cards with rewards perfect for earning benefits while you spend!

Digital & Online Banking

Easy Access and User-Friendly Features

Managing your finances shouldn't be complicated. That's why we offer features like electronic signature authorization Yes for quick and secure document handling. Need to keep track of your statements? With e-statements available Yes, you can easily view and manage your financial documents without the clutter of paper.

Explore Our Online Banking Services

With just a few clicks, you can access your accounts anytime, anywhere through our online banking platform at https://www.embers.org/. Whether you're checking your balance, paying bills, or transferring funds, our 24/7 online banking services ensure you have control over your money when you need it most.

Mobile Banking at Your Fingertips

For those who prefer banking on the go, our mobile application Yes allows you to perform transactions right from your smartphone. You can make mobile payments Yes effortlessly or send money to friends and family using our person-to-person transfer feature Yes perfect for splitting bills or sending gifts.

Security You Can Trust

At Embers, we prioritize your security. Our online services incorporate advanced encryption and security measures to protect your information while giving you peace of mind during every transaction. Join us today at Embers where managing your finances is easier than ever! With all these features at your fingertips, you can focus on what matters most in life while we take care of the rest. For more information on how to get started, visit us at https://www.embers.org/!

Financial Strength

Commitment to Reinvestment

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. This commitment to continual improvement means that your money is always working harder for you.

Comprehensive Lending Solutions

Our lending capacity supports members' financial goals across various sectors. We proudly offer $5,876 in used auto loans and have a total of $338,933,056 in loans and leases available. This broad spectrum of lending options ensures that whatever your needs may be whether it's purchasing a new vehicle or managing everyday expenses we're here to help.

Growing Member Community

We are grateful for our strong community of members, with a total of 75,885 showing that more people trust us with their finances every day. Our net shares available for lending stand at $884,593, further emphasizing our capacity to support your financial journey. In conclusion, 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 1001 W Baraga Ave Marquette Mi 49855 or call (906) 228-7080 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

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.

Operational Efficiency

Our financial performance is reflected in our $1,510,227, showcasing our operational efficiency. This allows 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 who are dedicated to providing you with the best service possible.

Solid Financial 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

Additional Options

We recognize that refinancing can be an essential step for many borrowers. If you're interested in refinancing any of your existing loans or learning more about eligibility options, feel free to reach out. For more information about our loan offerings or to start your application today, please visit us at Embers or give us a call at 906-228-7080. 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!

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 terms and competitive rates that make purchasing your next vehicle easier than ever.

Business Financing

For business owners, our outstanding commercial loans totaling $113,641,284 provide the capital needed to grow and expand. We understand the challenges small businesses face and are here to support you with tailored solutions that fit your business model.

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. These cards come with rewards and benefits designed to make your purchases more rewarding.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $22,636,116, making buying or refinancing simple. We're here to guide you through every step of the process so you can secure a home that fits your lifestyle.

Loan Aggregator

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EMBERS CREDIT UNION - Marquette, MI

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