Financial Plus Credit Union Saginaw MI | Top Checking & Business Banking

Introduction

Welcome to Financial Plus, your trusted partner in financial growth and community support, located at 4686 Fashion Square Blvd, Saginaw, MI 48604. Established in 1952, we have dedicated ourselves to serving our members with integrity and commitment for over seven decades. As a proud credit union with a robust membership of 81,195, we provide a wide range of financial services tailored to meet your needs. At Financial Plus, we believe in the power of community. Our total assets amount to an impressive $1,386,818,404, reflecting our strong financial foundation. With total deposits of $90,289,728 and a net worth of $172,253,078, we are committed to ensuring the financial well-being of our members. Our cash reserves stand at $16,866,270, which allows us to provide flexible lending options while maintaining stability. Our focus is on empowering you with choices. Whether you're looking for personal banking solutions like checking accounts and auto loans or business banking services such as merchant services and business loans, we've got you covered. With a total loan portfolio encompassing 57,388 loans and leases, we strive to offer competitive rates that fit your budget. Leading our team is CEO Brad Bergmooser and Board President Bernard Hennessy, who guide us with their vision and dedication to serving our members better each day. Together with our staff of 277 employees, we are here to assist you from 9:00 AM to 5:00 PM, Monday through Friday. While members can visit us at our branch location for face-to-face interactions or utilize our drive-thru service for quick transactions, we also provide modern conveniences like online and mobile banking for those who prefer managing their finances digitally. We invite you to explore what Financial Plus can do for you! For any inquiries or assistance, feel free to reach out by calling us at 989-792-0026 or visiting our website at myfpcu.com. Your financial future starts here!

Branch History & Mission

Community Commitment

At Financial Plus, we understand that our success is intertwined with the health of our community. We actively engage in initiatives that uplift local organizations and promote financial literacy among residents. Whether it's sponsoring community events or offering educational workshops, we are committed to nurturing strong relationships within Saginaw and beyond. While members can visit us at 4686 Fashion Square Blvd for their banking needs, official correspondence should be sent to the same address for convenience. Our lobby hours are Monday through Friday from 9:00 AM to 5:00 PM, making it easy for you to connect with us when you need support. In addition to traditional banking services like checking and savings accounts, auto loans, mortgages, and business banking solutions, we also offer online and mobile banking options for those who prefer digital interactions. We prioritize accessibility with ADA-compliant facilities and strive to meet all your banking needs.

Join Us

As you consider your financial future, we invite you to experience the benefits of being part of the Financial Plus family. Explore the wide range of services designed with your goals in mind and discover how we can support you every step of the way. Together, let's build a brighter future! For more information or assistance, feel free to contact us at 989-792-0026. Join Financial Plus today where your financial dreams become a reality!

Our Story

From our humble beginnings, Financial Plus has focused on delivering personalized banking services that cater to the unique needs of our members. As we evolved through the years, we embraced innovative solutions while maintaining a strong sense of community. Our branch is equipped with modern conveniences such as ATM services and drive-thru banking to ensure that accessing your finances is as easy as possible. Our mission is clear: to empower our members by providing quality financial services while actively supporting our community. We believe that financial success should be accessible to everyone, and we strive to create an environment where individuals can thrive. Through various partnerships and outreach efforts, we are dedicated to making a positive impact on the lives of those around us.

Branch Location & Accessibility

Welcome to Financial Plus at the Fashion Square Branch! Located conveniently at 4686 Fashion Square Blvd in Saginaw, MI, our branch is designed to make your banking experience as smooth and enjoyable as possible. Whether you're visiting us for personal banking or exploring loan options, we are here to assist you with friendly service. Our branch is easy to find, nestled near popular spots like the Fashion Square Mall, making it a great stop during your shopping trips. Parking is ample and accessible, ensuring that all members can get in and out with ease. We take pride in providing features that cater to everyone, including ADA-compliant access so that all our members can enjoy our services comfortably. While you can visit us at our branch address for all your banking needs, please note that official correspondence should be sent to the same location: 4686 Fashion Square Blvd, Saginaw, MI 48604. At Financial Plus, we know your time is valuable. That's why we're open Monday through Friday from 9:00 AM to 5:00 PM. Our drive-thru service allows for quick transactions without leaving your vehicle, making it even easier for you to manage your finances on the go. Plus, we have an ATM available for those moments when you need cash quickly or want to check your balance. We offer a range of services tailored just for you whether it's checking and savings accounts, auto loans, mortgage financing, or credit cards with rewards. Whatever your financial needs may be, our dedicated team is ready to help. Feel free to reach out by phone at 989-792-0026 if you have any questions or need assistance. We invite you to visit us soon and discover how Financial Plus can support your financial journey!

Member Eligibility

At Financial Plus, we believe that everyone deserves a chance to be part of a community that truly cares about their financial well-being. If you're looking to join us, you'll find that becoming a member is both welcoming and straightforward! Generally, our membership is open to anyone who lives, works, worships, or attends school in the Saginaw area. We pride ourselves on being inclusive and supportive, so if you meet these criteria, we would love to have you on board. Ready to get started? You can easily open an account by visiting us at our location on 4686 Fashion Square Blvd Saginaw Mi 48604 or giving us a call at (989) 792-0026. We're here to assist you through every step of the process and make it as smooth as possible. For detailed eligibility information and any updates, please check out our website at . Join us at Financial Plus today and experience the many benefits that come with being part of our family!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, our merchant services offer practical tools to enhance your operations. Picture being able to accept payments easily from customers using various methods credit cards, mobile payments, and more all while enjoying competitive rates. This means faster transactions and happier customers, ultimately boosting your bottom line. Visit us at 4686 Fashion Square Blvd Saginaw Mi 48604 in Saginaw, MI or call us at (989) 792-0026 to learn more about how we can partner with you for success!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $303 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $115 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $140,226,896, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

If you're a business owner, Financial Plus has you covered too! Our business banking services, including merchant services and business loans, are designed to support local businesses in their growth and success.

Credit Options

Our credit cards with rewards not only help you make purchases but also allow you to earn points on every dollar spent perfect for those who enjoy getting more from their everyday spending.

Debt Solutions

Life can sometimes throw unexpected expenses your way, which is why we also provide personal loans and debt consolidation options. These services help ease financial burdens by combining multiple debts into one manageable payment.

Digital Banking Features

We know convenience matters in today's world. That's why we offer robust online and mobile banking features. You can easily access your accounts anytime, anywhere whether it's transferring funds, checking balances, or making payments with just a few taps on your smartphone. Our ATM services ensure that cash withdrawal is never out of reach.

Drive-Thru Convenience

For those who prefer face-to-face interactions without leaving their vehicles, our drive-thru banking allows you to perform basic transactions like deposits and withdrawals quickly and efficiently. At Financial Plus in Saginaw, MI, we strive to be more than just a credit union; we're your financial partner committed to helping you achieve your goals. We invite you to visit us or give us a call at 989-792-0026 for any questions about how we can serve you better. Experience the convenience and support that comes with being part of the Financial Plus family today!

Home Financing

For those considering homeownership or refinancing an existing mortgage, our mortgage loans offer various plans tailored to fit different budgets. We understand that buying a home is one of the most significant investments you'll make, and our knowledgeable staff is ready to guide you through the process.

Personal Banking

When it comes to personal banking, we provide various options that cater to your unique lifestyle. Our checking and savings accounts come with features that make managing money simple and straightforward. If you're dreaming of owning a vehicle, our auto loans and vehicle financing can help turn that dream into reality with competitive rates and flexible terms.

Digital & Online Banking

Mobile App and Payments

Our mobile application offers a user-friendly experience that puts banking in your pocket. With features like mobile payments, you can pay for purchases directly from your phone, streamlining your shopping experience. Plus, e-statements are available so you can go paperless and keep track of your financial history effortlessly.

Online Banking Made Easy

With our online banking platform, you can access your accounts 24/7. This means you can check balances, pay bills, and transfer money whenever it suits you no need to wait for business hours. You can even make person-to-person transfers with just a few taps, making it easy to send money to friends or family.

Security You Can Trust

We prioritize your security with features like electronic signature authorization. This means signing important documents is quick and safe, without the hassle of printing or mailing paperwork. You can trust that your personal information is protected while enjoying the convenience of our services. At Financial Plus, we are committed to providing accessible and easy-to-use tools for real-time account management. Experience the freedom of digital banking today! If you have any questions or need assistance, feel free to give us a call at (989) 792-0026.

Financial Strength

Growing Trust

Total Share and Deposit Accounts: 177,390, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0 further illustrate our capacity to support your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Financial Plus is your trusted partner. Visit us at 4686 Fashion Square Blvd Saginaw Mi 48604 or call (989) 792-0026 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $275,273,371 in share certificates and $318,628,307 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $16,124,250, 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, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 266 full-time employees and 11 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for Growth

With $6,492,396 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 with $13,603 in used auto loans and $940,477,780 in total loans and leases.

Solid Foundation

With a net worth of $172,253,078, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,240 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 $204,665,479 in used vehicle loans and $44,386,605 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 can fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $140,226,896 provide the capital needed to grow and expand your business. Whether you're starting a new venture or looking to scale operations, our dedicated team is here to guide you through the lending process.

Credit Lines

In addition to our specific loan products, we also provide access to credit lines with a total of $317,290,000 available. This option gives you the flexibility to borrow what you need when you need it without going through the application process each time. At Financial Plus, we're committed to providing transparent and accessible lending solutions tailored for our community members. If you're considering refinancing or exploring eligibility options for any of our products, don't hesitate to ask our knowledgeable staff for assistance. 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 your options today and see how we can help support your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We currently offer Junior Lien 1-4 Family Residential Properties loans totaling $54,706,483. These loans provide flexibility and competitive rates to support you in purchasing your dream home.

Unsecured Credit Card Loans

Managing finances can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $32,335,190 in loans helping members manage their expenses effectively. This option is perfect for those who want to consolidate debt or cover unexpected costs without putting up collateral.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring 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 to adhering to established regulations ensures that users receive fair and transparent offers. Each loan comparison reflects current market conditions, allowing users to see accurate rates tailored to their needs.

FINANCIAL PLUS CREDIT UNION - Saginaw, MI