Embers Credit Union Trenary MI | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Embers, your trusted financial partner located at E2906 State Highway M67, Trenary, MI 49891. Since our establishment in 1953, we have proudly served our community and built a strong foundation of trust and reliability. With a growing membership of over 31,800 members and total assets amounting to an impressive $542,213,774, we are committed to providing you with personalized banking solutions that meet your unique needs. At Embers, we understand the importance of community. Our leadership team, led by CEO Thomas Blake and Board President Sandra Villa-Mogush, is dedicated to fostering relationships that empower our members financially. We offer a range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Our total loans and leases stand at 27,997, demonstrating our commitment to supporting your financial journey. We take pride in our sound financial standing with total deposits of $24,469,370 and a net worth of $67,073,477. With cash in hand totaling $3,503,574, we are well-equipped to meet your banking needs. Whether you're looking to finance your next vehicle or save for future goals, our knowledgeable staff is here to guide you every step of the way. While members can visit us at our branch location for in-person assistance during lobby hours on Mondays, Wednesdays, and Fridays from 9 AM to 6 PM, official correspondence should be sent to the same address. If you have any questions or need assistance, don't hesitate to reach out at (906) 228-7080. Join us at Embers where your financial well-being is our priority! Visit our website at embers.org or call us today for more information on how we can help you achieve your financial goals.

Branch History & Mission

Embers has been a cornerstone of financial support and community engagement in Trenary, MI since it first opened its doors in 1953. Over the decades, we have witnessed significant growth and change, but our commitment to serving our members and the local community has remained steadfast. Today, with over 31,000 members and total assets reaching an impressive $542 million, Embers stands as a testament to what can be achieved when a credit union truly prioritizes its members' needs. Located at E2906 State Highway M67, Trenary, MI 49891, our branch is easily accessible for all residents. The friendly atmosphere and dedicated staff make us not just a financial institution but a part of the fabric of this vibrant community. While members can visit us at this address for their banking needs, official correspondence should be sent to the same location. Our mission is clear: to provide exceptional financial services while fostering community well-being. We believe in empowering our members through personalized banking solutions such as checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. Beyond traditional banking services, we also focus on enhancing the lives of those in Trenary through various outreach programs and partnerships that support local initiatives. As we embrace modern technology, Embers offers a range of digital banking options including online and mobile banking services. This ensures that our members can manage their finances conveniently from anywhere while benefiting from features like e-statements and person-to-person payments. We are committed to accessibility for all individuals, ensuring ADA compliance throughout our facilities. While we do not currently offer drive-thru service or shared service centers at this branch, we are proud to provide ATM access for quick cash withdrawals and balance inquiries. Our operating hours Monday, Wednesday, and Friday from 9 AM to 6 PM are designed to accommodate the busy schedules of our members. At Embers, we're more than just a credit union; we're your partners in achieving financial success and supporting your dreams. Join us today to experience the difference that comes with being part of a member-focused organization committed to building stronger communities. For more information or to open an account online, visit our website or call us at 906-228-7080. We look forward to welcoming you!

Branch Location & Accessibility

Come Visit Us!

Whether you're looking for advice on refinancing a mortgage or just need a place to manage your finances, we invite you to stop by the Embers Trenary Branch. Our team is excited to help you achieve your financial dreams!

Convenient Banking Hours

Our friendly team is here to assist you during our lobby hours on Mondays, Wednesdays, and Fridays from 9 AM to 6 PM. We want to make sure that you have access to personalized service when it's convenient for you.

Easy Access for Everyone

We understand how important accessibility is for our members. Our branch is designed with ADA compliance in mind, ensuring that everyone can visit us comfortably. You'll find ample parking available right outside our doors, making it simple to pop in for a quick transaction or to discuss your financial goals.

Services Tailored for You

At Embers, we offer a variety of services designed to meet your needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we're here to help you every step of the way. Plus, enjoy the convenience of ATM access for quick cash withdrawals or balance checks. While members can visit us at E2906 State Highway M67, official correspondence should be sent to the same address. If you have any questions or need assistance, feel free to give us a call at 906-228-7080.

Member Eligibility

At Embers, we believe that becoming a member is like joining a family where everyone supports each other. To be eligible, you simply need to live, work, or worship in our community. It's that straightforward! Whether you're just starting out or looking for a better banking experience, we welcome individuals who share our values of community and growth. Plus, being part of Embers means you can take advantage of personalized services, competitive rates, and a friendly atmosphere designed with your needs in mind. If you're ready to join us, opening an account is easy! Just visit us at E2906 State Highway M67 Trenary Mi 49891 or give us a call at (906) 228-7080 for more information. You can also check out the detailed eligibility criteria here. We can't wait to help you start your journey with us!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine this: You run a thriving café but face challenges with payment processing. Our merchant services can help streamline transactions, allowing you to focus more on serving your customers and less on the logistics. By providing user-friendly solutions, we ensure that managing payments is hassle-free, letting your business flourish without interruptions. Located conveniently at E2906 State Highway M67 Trenary Mi 49891, Trenary, MI, we invite you to connect with us for personalized assistance. For inquiries, give us a call at (906) 228-7080. Your success is our priority!

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

ATM Services

Need cash quickly? Our ATM & Cash Withdrawal Services ensure you can access your funds when necessary. With basic ATM access available for withdrawals and balance checks, managing your money has never been easier. We invite you to experience all that Embers has to offer at our Trenary branch. If you have any questions about our services or want assistance in choosing the right option for your needs, don't hesitate to reach out! You can contact us at 906-228-7080, and our friendly team will be ready to assist you. Explore more about us and how we can help shape your financial future by visiting our website at Embers. Join us today and discover the difference personalized service can make!

Business Banking

For entrepreneurs and small business owners, we provide robust Business Banking solutions that include Merchant Services & Business Loans. Whether you're looking to expand your operations or simply need funding for equipment purchases, we're here to support your business journey.

Credit Solutions

Life can throw unexpected expenses your way, and that's where our Personal Loans & Debt Consolidation services come in handy. These loans are perfect for covering urgent costs or consolidating existing debts into one manageable payment. Additionally, our Credit Cards with Rewards not only give you purchasing power but also allow you to earn rewards on everyday spending.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer comprehensive Online & Mobile Banking features so you can manage your accounts anytime, anywhere. Whether you're making transfers from your couch or checking balances on the go, we've got you covered with secure access through our mobile app and website.

Personal Banking

Navigating your finances can feel overwhelming at times, but with our personal banking services, you can find comfort in knowing that we have your back. We offer Checking & Savings Accounts that cater to different lifestyles and savings goals. If you're dreaming of a new car, our Auto Loans & Vehicle Financing options make it easy to hit the road without stretching your budget. For those considering home ownership or refinancing their current mortgage, our Mortgage Loans & Refinancing options are designed to help you secure the best possible terms.

Digital & Online Banking

Access Anytime, Anywhere

With our 24/7 online banking services available at https://www.embers.org/, you can check your account balances, transfer funds, and pay bills whenever it suits you. No more rushing to the bank during business hours; everything you need is right at your fingertips.

Security You Can Trust

Your financial safety is our top priority. All of our digital services come equipped with robust security features to protect your information while giving you peace of mind as you manage your money. Whether you're making transactions from the comfort of your home or out running errands, Embers is committed to providing a banking experience that fits seamlessly into your life. Explore all our digital offerings today and enjoy the freedom of managing your finances on your terms!

Stay Informed

E-statements are another way we keep your banking experience smooth. Get instant access to your statements without waiting for them to arrive in the mail. This not only helps you stay organized but also contributes to a more eco-friendly approach by reducing paper usage.

User-Friendly Features

Our mobile application makes banking even simpler. You can easily access all your accounts, make person-to-person transfers, and even use mobile payments for a quick checkout experience. Plus, with electronic signature authorization available, signing documents online is secure and straightforward.

Financial Strength

Growing Membership Trust

Total Share 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, further indicating our robust position. 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 E2906 State Highway M67 Trenary Mi 49891 or call (906) 228-7080 to learn more about how we can help you achieve your financial goals.

Member-Centric 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 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 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.

Strong Earnings for Continuous Improvement

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 operational efficiency is reflected in our $1,510,227, enabling us to continue offering competitive loan rates and solid financial products for our members.

Supporting Your Financial Goals

Our lending capacity supports members' financial goals across various sectors with $5,876 in used auto loans and a total of $338,933,056 in loans and leases. 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.

Loan Offering

Auto Loans

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

Business Loans

For business owners in our community, we provide outstanding commercial loans totaling $113,641,284. These loans offer the capital necessary for growth and expansion opportunities. At Embers, we strive for transparency and integrity in all our dealings. Our performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. If you're considering refinancing or want more information about eligibility options for any of our loan products, please don't hesitate to reach out. Our dedicated team can be reached at 906-228-7080, and we invite you to visit us during our lobby hours on Monday, Wednesday, and Friday from 9 AM to 6 PM. Let us help you navigate your financial journey with confidence!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $22,636,116. We aim to simplify the buying or refinancing process so you can focus on what truly matters making your house a home.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $14,061,652 in loans already assisting our members, these cards can help manage your finances effectively while providing easy access to credit when needed.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment ensures that users receive fair and transparent offers, allowing them to make informed decisions without hidden surprises.

EMBERS CREDIT UNION - Trenary, MI

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