Embers Credit Union Marquette MI | Affordable Auto Loans & Low Mortgage Rates

Introduction

Welcome to Embers, your trusted financial partner in the heart of Marquette, Michigan. Located at 1600 S Front St, Marquette, MI 49855, our branch has proudly served the community since 1953. With a focus on personal service and community values, we have built a strong reputation with over 31,807 members who trust us for their financial needs. At Embers, we understand that your finances are more than just numbers they're part of your life story. That's why we offer a range of services designed to empower you, from checking and savings accounts to auto loans, mortgage financing, and even business banking solutions. Our commitment to you is reflected in our impressive financial standing, boasting total assets of $542,213,774 and total deposits reaching $24,469,370. We are proud to have a net worth of $67,073,477, ensuring that your money is safe with us. Led by our dedicated CEO, Thomas Blake, and Board President, Sandra Villa-Mogush, our team is here to provide you with personalized assistance every step of the way. Our knowledgeable staff of 119 employees is committed to creating a welcoming environment where you feel valued as a member. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 1600 S Front St, Marquette, MI 49855. Explore how we can help you achieve your financial goals today! Visit our website at embers.org or give us a call at 906-228-2262. Let's work together towards building a brighter financial future!

Branch History & Mission

At Embers, we take pride in our rich history and deep commitment to the community of Marquette, MI. Established in 1953, our branch has grown alongside the members we serve, providing them with reliable financial services and fostering a sense of belonging. Over the years, we have expanded our reach and services while maintaining our core values of trust, integrity, and support for our members. Located at 1600 S Front St, Marquette, MI 49855, Embers is more than just a credit union; it's a community hub where individuals come together to achieve their financial goals. Whether you're looking for personal banking options or business solutions, we offer a variety of services tailored to meet your needs. Our location is easily accessible and near familiar landmarks that make us a convenient choice for all your banking needs. Our mission is simple yet profound: to empower our members through exceptional financial services while giving back to the community. We believe that when our members thrive, so does our community. With over 31,000 members and total assets exceeding $542 million, we are dedicated to supporting each individual's financial journey with personalized service and innovative solutions. At Embers, we understand the importance of adapting to modern banking needs. We have embraced digital advancements by offering online banking and mobile payment options. Our branch is also equipped with ADA-compliant facilities to ensure accessibility for everyone. For those who prefer face-to-face interactions, we provide drive-thru banking and ATM access for convenience. Community involvement is at the heart of what we do. We actively participate in local events and partner with various organizations to support initiatives that uplift our neighborhoods. Our commitment goes beyond just providing financial products; it's about making a positive impact in Marquette. While you can visit us at our physical location for all your banking needs during operating hours (Monday - Friday from 9 am - 6 pm and Saturday from 9 am - 1 pm), official correspondence should be sent to our mailing address at 1600 S Front St, Marquette, MI 49855. We invite you to join Embers today! Experience firsthand how we can help you achieve your financial aspirations while being part of a supportive community. Reach out to us at 906-228-2262 or visit us online at embers.org to learn more about becoming a member!

Branch Location & Accessibility

Accessibility and Parking

At Embers, we strive to ensure everyone can access our services comfortably. Our branch features ADA-compliant ramps and parking spots to make your visit as easy as possible. Ample parking is available right outside the branch, so you won't have to worry about finding a space when you arrive.

Get in Touch

If you have questions or would like more information about our services, don't hesitate to give us a call at 906-228-2262. We're excited to welcome you into the Embers family! Remember, while you can visit us at 1600 S Front St, any official correspondence should be directed to the same mailing address for your convenience. We look forward to seeing you soon!

Operating Hours

We're here for you during convenient hours! Visit us from 9 AM to 6 PM Monday through Friday, and on Saturdays from 9 AM to 1 PM. Whether you need assistance with personal banking or want to chat about loans, our friendly staff is ready to help during these hours.

Services Offered

At Embers, we offer a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Plus, enjoy the convenience of our drive-thru service for quick transactions like deposits and withdrawals without leaving your car.

Member Eligibility

At Embers, we believe that everyone deserves to be part of a supportive community that prioritizes their financial well-being. Becoming a member is easier than you might think! If you're located in Marquette or surrounding areas, and you share our commitment to fostering financial growth, you're likely eligible to join us. We welcome individuals who live, work, worship, or attend school in our community, along with their family members. This means if you're looking for personalized banking services and a sense of belonging, Embers is the perfect place for you. Joining is simple! You can start your journey by visiting us at 1600 S Front St, Marquette, MI 49855, or by giving us a call at 906-228-2262. For more detailed eligibility criteria, check out our resource. Once you're ready to open an account, just head over to https://my.embers.org/enroll. We're excited to help you take this important step toward achieving your financial goals!

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 $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 addition to loans, we offer merchant services designed to streamline your payment processes. Imagine a bustling café where customers can easily pay with their mobile devices while you manage orders seamlessly from your point-of-sale system. This convenience not only enhances customer satisfaction but also helps you keep track of sales effortlessly. Visit us at 1600 S Front St Marquette Mi 49855 in Marquette, MI or call us at (906) 228-2262 to discover how our business banking and commercial services can fuel your success!

Comprehensive List Of Services

Business Banking Services

If you're a business owner, we understand the unique challenges you face. That's why we offer comprehensive Business Banking services, including merchant services and business loans designed to support your growth and success. With us by your side, managing your business finances becomes less stressful.

Digital Convenience at Your Fingertips

In today's fast-paced world, convenience matters. That's why at Embers, we prioritize digital banking features that allow you to manage your finances anytime, anywhere. Our Online & Mobile Banking platforms are user-friendly and secure, enabling you to check balances, transfer funds, and pay bills from the comfort of your home or on the go. We also provide easy access to an ATM for cash withdrawals and balance checks. For those who prefer personal interactions, our basic drive-thru banking allows for simple transactions like deposits and withdrawals without leaving your vehicle perfect for busy days!

Get Started Today!

Our friendly team at Embers is excited to assist you with all these services and more! Feel free to reach out at (906) 228-2262 or visit us during our operating hours from 9 am-6 pm Monday through Friday and 9 am-1 pm Saturday. We look forward to helping you achieve your financial goals! Explore all that we have to offer and take the next step towards a brighter financial future with us today!

Personal Banking Solutions

Imagine having all your banking needs met in one place. At Embers, we offer various Personal Banking options, including checking and savings accounts that fit your lifestyle. If you're considering buying a new car or refinancing your vehicle, our Auto Loans & Vehicle Financing can help make that dream a reality. For those looking to purchase a home or refinance an existing mortgage, our Mortgage Loans & Refinancing services are tailored just for you. Need some extra cash for unexpected expenses? Our Personal Loans & Debt Consolidation options provide flexible solutions to manage your finances effectively. Plus, don't forget about our rewarding Credit Cards with Rewards that let you earn while you spend!

Digital & Online Banking

Convenient Transfers

Need to send money to a friend? Our person-to-person transfer option makes it quick and easy. You can send or receive funds without any hassle, making everyday transactions smoother than ever.

Easy Access Anytime

You can easily manage your accounts through our user-friendly online banking platform available at https://www.embers.org/. Whether you're checking your balance or transferring funds, our 24/7 online banking service ensures you have full control over your finances whenever it suits you.

On-the-Go Banking

For added convenience, our mobile application allows you to bank right from your phone. You can manage accounts, pay bills, and even deposit checks with just a few taps all while on the go! At Embers, we're committed to providing accessible and easy-to-use digital banking solutions that meet the needs of our members. Whether you're at home or out in the world, managing your money has never been easier!

Secure Transactions

Security is a top priority for us. We offer electronic signature authorization, so you can sign documents safely and conveniently from home. Plus, our mobile payments feature allows you to make transactions securely using your smartphone, giving you peace of mind with every payment.

Stay Organized

With our e-statements availability, keeping track of your financial documents has never been simpler. Say goodbye to paper clutter and access your statements digitally anytime you need them.

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 strong 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 supports your financial goals across various sectors with $5,876 in used auto loans and $338,933,056 in total loans and leases. Our $1,510,227 reflects our operational efficiency, 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. 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 1600 S Front St Marquette Mi 49855 or call (906) 228-2262 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Loan Offering

Additional Loan Options

In addition to these primary offerings, we also provide personal loans and lines of credit designed to meet various financial needs. Our credit lines total $78,385,000, allowing you greater flexibility when it comes to accessing funds as needed. At Embers, we prioritize our members' financial health by ensuring you have access to the resources you need whether it's for a car loan, mortgage financing, or credit options. For inquiries or more information about eligibility and refinancing options available at our branch, don't hesitate to call us at 906-228-2262 during our operating hours from 9 AM to 6 PM Monday through Friday and 9 AM to 1 PM on Saturday. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Come visit us today and let us help you take the next step toward your financial goals!

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry. We have issued $83,931,179 in used vehicle loans and $14,088,313 in new vehicle loans already helping our members get on the road with confidence. Whether you're purchasing a brand-new model or a reliable used car, we have flexible financing options to suit your budget.

Business Financing

For business owners in our community, we recognize that having access to capital is crucial for growth. Our outstanding commercial loans total $113,641,284, offering the necessary funding for expansion or operational costs.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $22,636,116. These loans make buying or refinancing your home simple and straightforward. We also provide refinancing options for current homeowners looking to adjust their mortgage terms or lower their monthly payments.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's why we offer flexible terms on unsecured credit card loans, with a total of $14,061,652 in loans assisting our members in effectively managing their finances. This option provides you with the financial freedom to handle unexpected costs without the burden of collateral.

Loan Aggregator

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EMBERS CREDIT UNION - Marquette, MI

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