Embers Credit Union Negaunee MI | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Embers, your trusted financial partner located at 487 Us Highway 41, Negaunee, MI 49866. Since our establishment in 1953, we have been dedicated to empowering our community through exceptional banking services tailored for every member. With a robust membership base of 31,807 individuals, we take pride in being a cornerstone of financial support in Negaunee and the surrounding areas. At Embers, we understand that banking is not just about numbers; it's about relationships. Our total assets stand at an impressive $542,213,774, which reflects our commitment to providing secure and reliable services. With $24,469,370 in total deposits and a net worth of $67,073,477, you can trust that your finances are in safe hands. Our CEO, Thomas Blake, along with Board President Sandra Villa-Mogush, leads a dedicated team of 119 employees who are passionate about serving you. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, we're here to help. For those who prefer convenience, we offer online and mobile banking services that make managing your money easier than ever. Plus, with an ATM and drive-thru service available at our branch, accessing your funds is quick and hassle-free. While members can visit us at our Negaunee location for all their banking needs, official correspondence should be sent to the same address: 487 US Highway 41, Negaunee, MI 49866. We invite you to experience the Embers difference. Call us today at 906-475-4422 or visit us online at Embers to learn more about how we can assist you on your financial journey!

Branch History & Mission

Commitment to Accessibility

Our branch is equipped with modern conveniences like ATM access and drive-thru banking services for easy transactions. We are also proud to offer digital advancements such as online banking and mobile payments, ensuring our members can manage their finances anytime, anywhere. Importantly, we prioritize ADA compliance to ensure all members can access our services comfortably. While you can visit us at our physical location in Negaunee, official correspondence should be sent to the same address: 487 US Highway 41, Negaunee, MI 49866. For any inquiries or assistance, feel free to reach out via phone at 906-475-4422 during our operating hours: Monday through Friday from 9:00 am - 6:00 pm and Saturday from 9:00 am - 12:00 pm. As we look ahead, we invite you to join us on this journey. Experience the benefits of being part of Embers where your financial well-being is at the heart of everything we do!

Our Mission

Embers is dedicated to empowering our members through accessible financial services while fostering a supportive and inclusive community environment. We believe that everyone deserves the opportunity to achieve their financial goals, whether it's buying a new car, purchasing a home, or simply saving for the future. Our mission is to provide exceptional personal banking solutions including checking and savings accounts, auto loans, mortgages, and credit cards with rewards. We are also committed to business banking services that help local entrepreneurs thrive. We understand that being part of a community means more than just providing financial products; it involves giving back and supporting local initiatives. Our outreach efforts include partnerships with various organizations aimed at strengthening our community ties and improving the overall quality of life in Negaunee and beyond.

Branch Location & Accessibility

Welcome to Embers, your friendly neighborhood credit union located at 487 Us Highway 41 in Negaunee, MI! Our branch is conveniently situated near local landmarks, making it easy for you to find us. Whether you're heading to the nearby shops or just passing through, we're here to provide all your banking needs. At Embers, we understand the importance of accessibility. Our branch features ADA-compliant entrances and parking spaces to ensure that everyone can visit us without any hassle. Plus, our drive-thru service offers a quick and convenient way to handle your transactions right from your vehicle. For those who prefer face-to-face interactions, our lobby is open from 9:00 am to 6:00 pm Monday through Friday and from 9:00 am to 12:00 pm on Saturdays. This flexibility allows you to stop by at a time that suits your schedule. If you ever need assistance outside of these hours, don't hesitate to give us a call at 906-475-4422. While members can visit us at our Negaunee location, official correspondence should be sent to the same address: 487 US Highway 41, Negaunee, MI 49866. We also offer an ATM on-site for your convenience, allowing you to withdraw cash or check balances anytime. At Embers, we pride ourselves on providing essential services such as personal checking and savings accounts, auto loans, mortgage options, and more all designed with our members in mind. Come visit us today! We can't wait to help you with all your banking needs.

Member Eligibility

At Embers, we believe that becoming a member means joining a caring community where your financial well-being is our top priority. If you're looking to join us at our welcoming location on 487 Us Highway 41 Negaunee Mi 49866, you'll be glad to know that the eligibility criteria are quite straightforward. Generally, membership is open to anyone who lives, works, worships, or attends school in the local area. This means if you're part of our vibrant community, we'd love to have you! The advantages of being a member here include access to competitive rates, personalized services, and an array of financial products designed with your needs in mind. Starting your membership journey is easy! You can find all the details about eligibility and how to apply on our website. If you're ready to take the next step, simply visit our account opening page at https://my.embers.org/enroll. Should you have any questions or need assistance along the way, feel free to reach out to us at (906) 475-4422. We can't wait to welcome you into the Embers family!

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. This funding has allowed many entrepreneurs to invest in equipment, hire staff, and improve operations. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions for those who may not yet be part of our credit union family. - 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 that simplify everyday transactions. Imagine being able to accept payments seamlessly at your storefront or online without worrying about complex setups. Our solutions help you focus on what matters most growing your business. Visit us at 487 Us Highway 41 Negaunee Mi 49866 or call us at (906) 475-4422 to learn how our business banking and commercial services can support your success!

Comprehensive List Of Services

Business Banking

For small business owners, we offer specialized services including merchant services and business loans. We understand the challenges of running a business, and we're here to support you every step of the way.

Convenient Access

At Embers, convenience is key. Use our ATM services for quick cash withdrawals or balance checks without stepping into the branch. Our drive-thru banking allows you to conduct simple transactions like deposits and withdrawals from the comfort of your car.

Credit Cards

Our credit cards with rewards allow you to earn points for everyday purchases, giving you added value every time you swipe. It's an easy way to get rewarded for spending!

Digital Solutions

In today's fast-paced world, having access to your finances at your fingertips is essential. With our robust online and mobile banking options, managing your accounts has never been easier. Whether it's checking balances or making payments through our mobile app, we've got you covered. We invite you to explore all that Embers has to offer. Your financial journey is important to us! Visit us today at our Negaunee branch or check out our website at embers.org for more information about how we can assist you in achieving your financial goals. Don't hesitate; contact us now at 906-475-4422!

Loans and Financing

Dreaming of a new car? Our auto loans and vehicle financing options make purchasing your next vehicle easier than ever. If you're considering buying a home, we offer mortgage loans and refinancing solutions that can help turn your dream into reality. For those unexpected expenses or projects, our personal loans and debt consolidation services provide flexible terms that fit your budget.

Personal Banking

Whether you are just starting out or looking to manage your wealth, our personal banking services have you covered. Open a checking or savings account with us and enjoy easy access to your funds through our online and mobile banking platforms. You can deposit checks, transfer money, and check your balance anytime, anywhere.

Digital & Online Banking

At Embers, we understand that your time is valuable, and that's why our digital and online banking services are designed to offer you convenience and security at your fingertips. Whether you're managing your accounts from home or on the go, we've got you covered with a range of user-friendly features. With our online banking platform available at https://www.embers.org/, you can easily access your accounts 24/7. Need to check your balance, pay bills, or transfer funds? It's all just a click away. We also provide e-statements, allowing you to stay organized without the clutter of paper. Plus, our electronic signature authorization makes it easy to complete transactions securely from anywhere. If you're often on the move, you'll love our mobile application. It offers all the same great features as our online banking, plus mobile payments that let you make purchases directly from your phone. You can even send money to friends and family through our person-to-person transfer feature making splitting bills or sending gifts quick and hassle-free. Security is a top priority for us at Embers. Our online services include robust protection measures so you can bank with peace of mind. With real-time account management, you'll have complete control over your finances, allowing you to monitor transactions and manage your budget effectively. Join us in embracing a smarter way to bank. Explore all that our digital banking services have to offer today!

Financial Strength

A Committed Team

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. Total Share Accounts stand at 75,885, showing a strong and growing member base that trusts us with their finances.

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 487 Us Highway 41 Negaunee Mi 49866 or call (906) 475-4422 to learn more about how we can help you achieve your financial goals.

Investment in 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.

Member-Centric 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.

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. Whether you're interested in financing a brand-new model or a reliable used car, we have options that fit your budget and lifestyle.

Business Financing

For business owners, our outstanding commercial loans totaling $113,641,284 provide the capital needed to grow and expand your business. We work closely with you to tailor solutions that meet the unique needs of your company. At Embers located at 487 Us Highway 41 Negaunee Mi 49866, we're dedicated to helping our members navigate their financial journeys. You can reach us at 906-475-4422 for more information about our loan products or visit us online at Embers for additional resources. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Whether you're looking for refinancing options or need assistance in determining eligibility for any of our loans, our knowledgeable staff is ready to assist you.

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 provide competitive rates and terms to ensure that your path to owning a home is as smooth as possible. Our experts are here to guide you through every step of the mortgage process.

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. These cards come with benefits designed to help you earn rewards while staying within your budget.

Loan Aggregator

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EMBERS CREDIT UNION - Negaunee, MI

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