Embers Credit Union Munising MI | Affordable Auto Loans & Checking

Introduction

At Embers, we believe in building a brighter financial future for our community. Since our establishment in 1953, we've been dedicated to serving the Munising area with reliable banking solutions tailored to your needs. Located conveniently at 200 E State Highway M28, Munising, MI 49862, our branch is not just a place for transactions it's a hub of support and growth for over 31,800 members. With total assets of $542,213,774, we take pride in our strong financial foundation that enables us to offer competitive products and services. Our membership enjoys various benefits, including personalized service and access to essential financial tools like auto loans, mortgages, and credit cards. Currently, we have provided 27,997 loans and leases to help individuals achieve their dreams. Under the leadership of our CEO, Thomas Blake, and Board President, Sandra Villa-Mogush, we strive to foster a welcoming environment where everyone can feel secure about their finances. Our dedicated team of 119 employees works tirelessly to provide exceptional service and ensure that your financial journey is smooth and rewarding. While you can visit us at our branch location for your banking needs, please note that official correspondence should be directed to the same address: 200 E State Highway M28, Munising, MI 49862. Explore all that we have to offer by visiting our website at embers.org. Whether you're looking to open an account or inquire about loans, we're here to assist you every step of the way. Don't hesitate to call us at 906-228-7080 or drop by during our lobby hours from Monday through Friday (9 AM - 6 PM) and Saturday (9 AM - 12 PM). Join us at Embers where your financial well-being is our top priority!

Branch History & Mission

At Embers, we take pride in our rich history and commitment to serving the Munising community. Since opening our doors in 1953, we have grown from a small credit union into a trusted financial partner for over 31,800 members. Our branch, located at 200 E State Highway M28, Munising, MI 49862, has become a cornerstone of the local economy, providing essential financial services and support to our neighbors. Throughout the years, Embers has achieved significant milestones that reflect our dedication to service and community involvement. Our total assets now stand at an impressive $542,213,774, showcasing our growth and stability. As we continue to expand our offerings, we remain focused on fostering relationships with our members and addressing their unique financial needs. Our mission is straightforward yet powerful: we strive to empower individuals and families by providing accessible financial solutions while making a positive impact in our community. We offer a wide range of services including personal banking accounts, auto loans, mortgage loans, and business banking solutions. Our goal is not only to help you manage your finances but also to support local initiatives that enhance the quality of life in Munising. In addition to traditional banking services, we embrace technology with features like online banking and mobile payments to ensure convenience for our members. We are also proud of our commitment to ADA compliance, ensuring that all members can access our services without barriers. While members can visit us at 200 E State Highway M28, official correspondence should be sent to 200 E State Highway M28, Munising, MI 49862 if different from the branch address. Our dedicated team is here during operating hours Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 12 PM ready to assist you with any questions or financial needs. As we look toward the future, Embers remains committed to partnering with local organizations and participating in community outreach efforts. We believe that together we can build a stronger Munising. Join us today and experience the benefits of being part of the Embers family! Whether you're looking for a new checking account or seeking advice on home financing, we're here for you every step of the way. For more information or to get started with your membership, call us at 906-228-7080 or visit us online at embers.org. Your journey towards financial empowerment begins here!

Branch Location & Accessibility

Welcome to the Embers Munising Branch, your friendly neighborhood credit union located at 200 E State Highway M28 in beautiful Munising, MI. Nestled in Alger County, our branch is easily accessible for all your banking needs. Whether you're a long-time member or considering joining us, we strive to make your experience as convenient and pleasant as possible. While you can visit us at our branch address, please note that any official correspondence should be sent to the same address: 200 E State Highway M28, Munising, MI 49862. We are proud to be situated near notable landmarks like the stunning Pictured Rocks National Lakeshore, making it easy to stop by after enjoying the local sights. At Embers, we prioritize accessibility for all our members. Our branch is equipped with ADA-compliant features and provides ample parking for your convenience. If you're looking for quick service, take advantage of our drive-thru banking option. You can handle deposits, withdrawals, and simple transactions without leaving your vehicle. Our lobby hours are designed with your schedule in mind. We're open Monday through Friday from 9 AM to 6 PM and on Saturday from 9 AM to 12 PM. This gives you plenty of opportunities to drop by and speak with our friendly staff about personal banking services such as checking and savings accounts, auto loans, mortgages, credit cards with rewards, and more. For those on the go, we offer ATM access so you can withdraw cash or check balances anytime. And if you need assistance or have questions before visiting us, feel free to call us at 906-228-7080. We invite you to come see how Embers can support your financial journey. Stop by our Munising Branch today!

Member Eligibility

Becoming a member of Embers is like opening the door to a warm, welcoming community where your financial well-being is our top priority. If you're interested in joining us at our branch located at 200 E State Highway M28 Munising Mi 49862, we're thrilled to share that membership is available to anyone who lives, works, worships, or attends school in the area. We believe that everyone deserves access to quality financial services, and as a member, you'll enjoy personalized banking options tailored just for you. Plus, being part of Embers means benefiting from competitive rates on loans and savings accounts, along with a range of services designed to help you reach your goals. The process to become a member is straightforward! You can easily open an account online by visiting our enrollment page at https://my.embers.org/enroll . If you have any questions or need assistance during the process, feel free to give us a call at (906) 228-7080. For detailed eligibility criteria and updates, check out our website at . We can't wait for you to join our family!

Business Banking & Commercial Services

Merchant Services That Matter

In today's fast-paced environment, efficient payment processing can set your business apart. Our merchant services simplify transactions so you can focus on what you do best running your business. From credit card processing to mobile payments, we provide the tools that help streamline operations and enhance customer satisfaction. Located at 200 E State Highway M28, Munising, MI 49862, we're ready to partner with you on your journey to success. For more information or to get started, call us at 906-228-7080. Let's build a brighter future together!

Tailored 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.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a car? We provide competitive auto loans and vehicle financing options that cater to various budgets and preferences. Picture driving off in your dream car without the stress of complicated loan processes. Our team is here to guide you every step of the way.

Business Banking Services

If you're a business owner, we offer specialized services such as merchant services and business loans that support local enterprises. Having access to these resources means you can focus on growing your business while we take care of the banking side.

Convenient Access Options

Accessing your accounts has never been easier! We provide ATM services for cash withdrawals and balance checks. Our basic drive-thru banking allows for quick deposits and withdrawals without leaving your vehicle perfect for busy days when time is of the essence. At Embers, we prioritize member satisfaction by offering these comprehensive services in a warm and welcoming environment. We invite you to visit us at 200 E State Highway M28, Munising, MI 49862 or give us a call at 906-228-7080 during our operating hours: Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 12 PM. Ready to experience the difference? Join us today by visiting our website or start the enrollment process here. Your financial journey starts now!

Credit Cards with Rewards

For those who want to earn as they spend, our credit cards come with rewards that add value to your purchases. Imagine earning points on everyday spending that can be redeemed for travel or cash back it's a simple way to make the most out of your purchases!

Mortgage Loans & Refinancing

Homeownership is within reach with our mortgage loans and refinancing options. If you're ready to buy your first home or refinance an existing mortgage for better terms, we can help simplify the process. With personalized support from our knowledgeable staff, you'll feel confident making one of life's biggest investments.

Personal Banking Solutions

Our personal banking services include checking and savings accounts tailored to help you save and manage your money effectively. Imagine having a reliable account where you can access your funds anytime through our online and mobile banking platforms. This way, whether you're at home or on the go, managing your finances is just a click away.

Personal Loans & Debt Consolidation

We understand that life can throw unexpected expenses your way. That's why we offer personal loans that can assist with everything from medical bills to unexpected repairs. Plus, if you're looking to consolidate debt, our solutions can help streamline payments and reduce overall interest rates.

Digital & Online Banking

E-Statements and Mobile Features

Say goodbye to paper clutter! We offer e-statements so you can keep track of your finances electronically. This not only helps the environment but also gives you instant access to your account statements whenever you need them. For those on the go, our mobile application provides a user-friendly experience for managing your accounts from your smartphone. Enjoy features like mobile payments and person-to-person transfers, making it easy to send money to friends or family in just a few taps.

Security and Accessibility

Your security is our top priority. Our online banking services come equipped with robust security measures to protect your information while ensuring that accessing your accounts remains straightforward. You can feel confident knowing that your data is safe as you navigate through your transactions. Whether you're checking your balance during lunch or transferring funds late at night, we're here for you. With our comprehensive digital banking options, including mobile payments and person-to-person transfers, managing your finances has never been easier or more accessible. Join us at Embers today and take control of your financial journey with our top-notch online banking services!

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 members' financial goals across various sectors with $5,876 in used auto loans and $338,933,056 in total loans and leases.

Efficient Operations

Our operational efficiency is reflected in our $0, which enables 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.

Member Savings Securely Invested

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. We ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Member Trust

We currently serve a strong member base with a total of 75,885 share accounts. This shows that more individuals are choosing Embers as their trusted partner for managing 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 200 E State Highway M28 Munising Mi 49862 or call (906) 228-7080 to learn more about how we can help you achieve your financial goals.

Our Financial Health

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 $1,235 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 provide some of the lowest rates in the industry. We have already issued $83,931,179 in used vehicle loans and $14,088,313 in new vehicle loans, helping members get on the road with ease. Whether you're eyeing that reliable used car or a shiny new model, our financing options can assist you every step of the way.

Business Financing

For business owners seeking growth opportunities, our outstanding commercial loans total $113,641,284. These loans are designed to provide the capital needed for expansion or operational needs. At Embers, we're committed to supporting our members through various life stages with comprehensive financial solutions. Whether you're looking for auto financing or mortgage options or even if you're exploring business loans our team is here to guide you through every step of the process. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Explore how our loan offerings can fit into your financial plans today!

Credit Lines and Unsecured Credit Cards

For those looking for flexibility in managing expenses, we offer credit lines totaling $78,385,000. This option allows you to borrow what you need when you need it without the hassle of applying for a new loan each time. We also provide flexible terms on unsecured credit card loans with a total of $14,061,652 in loans. This product helps members manage their finances effectively while enjoying rewards on their purchases.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Property loans totaling $22,636,116. We simplify the process for both buying and refinancing your home. With competitive interest rates and straightforward eligibility requirements, making your dream home a reality has never been easier.

Loan Aggregator

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EMBERS CREDIT UNION