Family Financial Credit Union Muskegon MI | Best Auto Loans & Low Mortgage Rates

Introduction

Welcome to Family Financial, your trusted partner in personal and business banking, located right in the heart of Muskegon at 844 1st St, MI 49440. Established in 1959, we have proudly served our community for over six decades, growing to a membership base of 16,706 individuals who rely on us for their financial needs. With total assets exceeding $154 million, we are committed to providing robust financial services tailored to the unique needs of our members. At Family Financial, we understand that banking is not just about transactions; it's about building relationships. That's why we focus on delivering personalized service with a friendly touch. Our dedicated team, led by CEO Deb Dietz and Board President Kevin Huss, works tirelessly to ensure that every member feels valued and supported. Whether you're looking for auto loans, mortgage options, or business financing solutions, you can count on us to guide you every step of the way. While members can visit us at our branch location for assistance, official correspondence should be sent to our mailing address: 844 1st St, Muskegon, MI 49440-1125. We invite you to explore our wide range of services including checking and savings accounts, vehicle financing, personal loans, and credit cards with rewards all designed with your financial success in mind. With a solid net worth of $18,515,890 and total deposits amounting to $6,771,462, Family Financial stands as a stable institution ready to support your financial journey. We also maintain a healthy cash reserve of $1,991,848, ensuring that we can meet your needs promptly. Feel free to contact us at 231-733-4600 or visit our website at www.ff-cu.org for more information on how we can assist you today! Together, let's achieve your financial goals!

Branch History & Mission

Family Financial has a rich legacy that began in 1959, when it first opened its doors to the community of Muskegon, MI. With a mission to provide affordable financial services and support local growth, this credit union has evolved significantly over the years, adapting to the changing needs of its members while maintaining its core values. Today, Family Financial is proud to serve over 16,700 members and manage total assets of approximately $154.7 million. Located at 844 1st St, Muskegon, MI 49440, our branch stands as a cornerstone in the community. We invite you to visit us during our lobby hours from 10 AM to 7 PM on weekdays. Our location is easily accessible and close to several local landmarks, making it convenient for you to stop by for your banking needs. At Family Financial, our mission goes beyond just banking; we strive to empower our members by offering personalized financial solutions that foster stability and growth. Whether it's through auto loans, mortgage financing, or rewards credit cards, we aim to help our members achieve their financial goals while also contributing positively to the community. We understand that trust is earned, and we work hard every day to build lasting relationships with those we serve. Our commitment extends beyond traditional banking services; we are dedicated to providing modern conveniences such as online banking and mobile payments. As part of our efforts to meet diverse member needs, we also offer shared service center access for basic transactions and ATM availability for easy cash withdrawals. Family Financial believes in giving back. We actively engage in community outreach initiatives and partnerships that benefit local organizations and residents. Our vision reflects a deep-rooted desire not only to enhance the financial well-being of our members but also to uplift our entire community. While members can visit us at 844 1st St, Muskegon, MI 49440 for all their banking needs, official correspondence should be sent to our mailing address: 844 1st St, Muskegon, MI 49440-1125. Join Family Financial today and experience how we can assist you in achieving your dreams while being a part of a supportive community-focused family. For more information about membership eligibility or to open an account online, please visit our website. We look forward to welcoming you!

Branch Location & Accessibility

Welcome to the Family Financial Downtown Hub, located at 844 1st St, Muskegon, MI 49440. Our branch is nestled in a vibrant area that's easy to access and conveniently situated near local landmarks, making it a go-to spot for your banking needs. Whether you're coming from downtown or nearby neighborhoods, you'll find our location welcoming and easy to reach. At Family Financial, we prioritize accessibility for all our members. Our branch is designed with ADA-compliant features to ensure everyone can comfortably visit us. There's ample parking available right outside, so you won't have to worry about finding a spot when you arrive. We're proud to offer a variety of services tailored to fit your lifestyle. With personal banking options like checking and savings accounts, auto loans, and credit cards with rewards, we have something for everyone. You can also take advantage of our online and mobile banking services for added convenience. Our lobby hours are designed to accommodate your busy schedule. We're open Monday through Friday from 10 AM to 7 PM, allowing you plenty of time to stop by after work or during your lunch break. If you ever need assistance, feel free to give us a call at 231-733-4600; our friendly team is here to help! For those who prefer quick transactions, we also have ATM availability on-site for cash withdrawals and balance checks. Plus, if you're a member of a partner credit union, you can enjoy basic shared branch transactions right here. While members can visit us at 844 1st St, Muskegon, MI 49440 for all their banking needs, official correspondence should be sent to the same address. We invite you to stop by and experience how Family Financial can support your financial journey come see us today!

Member Eligibility

At Family Financial, we believe that joining our community means becoming part of something special, where your financial well-being is our top priority. Membership is open to anyone who lives, works, worships, or attends school in the Muskegon area. This inclusive approach allows us to welcome a diverse group of individuals who can all benefit from our personalized services and support. We're here to help you thrive with tailored financial solutions that fit your unique needs. Becoming a member is simple and straightforward! Just visit us at 844 1St St Muskegon Mi 49440 or call us at (231) 733-4600 for more information on how to get started. For detailed eligibility criteria, feel free to check out our website at https://www.ff-cu.org/who-can-join . Once you're ready, opening an account is just as easy; you can start the process online by visiting https://my.ff-cu.org/enroll . We can't wait to welcome you into the Family Financial family!

Business Banking & Commercial Services

Merchant Services

In addition to loans, our merchant services simplify daily operations for business owners. Imagine processing payments easily while focusing on what you do best running your business. Our reliable payment solutions ensure you can accept various payment types without hassle, giving your customers the convenience they expect. Located at 844 1St St Muskegon Mi 49440 in Muskegon, MI, we're here to partner with you on your journey toward success. Reach out at (231) 733-4600 or visit us online at https://www.ff-cu.org/ to explore how we can help your business thrive!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $25 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $201,931, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

For our entrepreneurial members, we offer robust business banking solutions. From merchant services that simplify transactions to business loans that can fuel growth, we strive to support local businesses in reaching their full potential.

Credit Options

Looking for a credit card? Our credit cards with rewards provide not only purchasing power but also benefits that reward your everyday spending. Enjoy perks while building your credit score all with the backing of a trusted partner.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer comprehensive online and mobile banking services that let you manage your accounts anytime, anywhere. You can easily access funds through our ATMs and use features like mobile payments and person-to-person transfers, making banking effortless.

Flexible Personal Loans

Life can throw unexpected expenses your way. With our personal loans and debt consolidation options, you can tackle those financial challenges head-on. Whether it's covering medical bills or consolidating debt, we're here to help you find a solution that fits your needs.

Home Financing Solutions

Thinking about buying a home? Our mortgage loans and refinancing options help turn your dream into reality. We offer competitive rates and personalized service to guide you through the process smoothly, making homeownership accessible.

Personal Banking

Whether you're just starting out or looking to manage your finances more effectively, our personal banking services have you covered. Open a checking or savings account tailored to your lifestyle. For those considering larger purchases, we provide auto loans and vehicle financing options that make it easier to hit the road in your new car without breaking the bank.

Shared Branch Transactions

If you're traveling or away from home, don't worry! Our shared service center allows members from partner credit unions to conduct basic transactions such as deposits and withdrawals keeping you connected no matter where life takes you. At Family Financial, we pride ourselves on being more than just a financial institution; we are a community partner committed to your success. Explore all our services today by visiting us at Family Financial Downtown Hub or calling us at (231) 733-4600. Let us help you achieve your financial dreams!

Digital & Online Banking

Convenient Online Banking

With our 24/7 online banking services, you can check your account balance, transfer money, and pay bills anytime you need. Whether you're at home or on the go, managing your finances is straightforward and hassle-free.

Mobile Banking on the Go

For even greater convenience, our mobile application allows you to handle transactions right from your smartphone. Enjoy features like mobile payments and person-to-person transfers, making it easy to send money to friends or family without any fuss. You can also access e-statements directly from your device, keeping all your financial information organized and accessible.

Security You Can Trust

Your security is our priority. While we don't currently offer electronic signature authorization, our online banking platform employs advanced security measures to ensure that your personal information stays safe. Feel confident in managing your accounts with us. In summary, Family Financial combines accessibility with user-friendly features to empower you in your financial journey. With everything from mobile payments to e-statements available at https://www.ff-cu.org/ , you have the tools you need for real-time account management right in your pocket. Join us today and experience the ease of digital banking!

Financial Strength

A Growing Community

Total Share Accounts: 30,057, showing a strong and growing member base that trusts us with their finances. Our net shares stand at $0, which indicates the funds available for lending and investments. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Family Financial is your trusted partner. Visit us at 844 1St St Muskegon Mi 49440 or call (231) 733-4600 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $19,016,350 in share certificates and $33,372,974 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 operational efficiency is reflected in our $0, which allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 32 full-time employees and 10 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $18,427,460 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust as well; with $3,625 in used auto loans and $98,662,261 in total loans and leases, we're here to help support your financial goals across various sectors.

Strong Financial Health

With a net worth of $18,515,890, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,196 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. We have already issued $44,611,375 in used vehicle loans and $6,181,771 in new vehicle loans, helping members get on the road with confidence. Whether you're eyeing a brand-new model or a reliable pre-owned vehicle, we make the financing process straightforward and accessible.

Credit Lines

If you're looking for additional financial flexibility, consider our credit lines. With total credit lines amounting to $8,000,000, you can have peace of mind knowing that funds are readily available when you need them most.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $1,802,972. Our team is here to guide you through every step of the mortgage process so that you can find the best fit for your needs.

Refinancing Options

For those who already have existing loans but are looking for better terms or lower rates, we offer refinancing options tailored to meet your needs. Our team can assist you in exploring eligibility criteria and potential savings through refinancing. Whether you're interested in auto financing or need assistance with personal loans and debt consolidation, Family Financial is here to support you every step of the way. Feel free to reach out to us at 231-733-4600 for more information or visit our website at Family Financial. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans. With a total of $3,861,613 in loans available, our unsecured credit cards help members manage their finances effectively while enjoying benefits like rewards and low interest rates.

Loan Aggregator

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Real-Time Rate Comparisons

With access to up-to-date loan rates from multiple institutions, users are equipped to make informed decisions quickly. Whether you're looking for a mortgage, an auto loan, or personal financing, LendMesh delivers current insights that can save you time and money. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials reflect the reliability of this tool in helping borrowers navigate their options effectively. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Verified Data

Loan offers on LendMesh come exclusively from legitimate financial institutions. This means every comparison is based on verified data, enhancing transparency for users looking to secure the best possible rates.

FAMILY FINANCIAL CREDIT UNION