Financial Plus Bay City MI Credit Union | Low Mortgage Rates & Business Banking

Introduction

Welcome to Financial Plus, your trusted credit union located at 4129 N Euclid Ave, Bay City, MI 48706. Established in 1952, we have proudly served our community for over seven decades, building a reputation for reliability and commitment to our members. With a total membership of 81,195 and assets exceeding $1.39 billion, we are dedicated to providing personalized financial services that meet your needs. At Financial Plus, we understand the importance of supporting our members' financial journeys. Our offerings include everything from checking and savings accounts to auto loans, mortgage refinancing, personal loans, and business banking solutions. Whether you're saving for a new car or looking to expand your business with our competitive loan options, we're here to help you every step of the way. While you can visit us at our branch for all your banking needs, please note that any official correspondence should be directed to the same address: 4129 N Euclid Ave, Bay City, MI 48706. Our team, led by CEO Brad Bergmooser and Board President Bernard Hennessy, is committed to ensuring that every member feels valued and supported. With total deposits of $90,289,728 and a net worth of $172,253,078, Financial Plus stands strong in our ability to serve you efficiently while maintaining financial stability. We also hold a significant cash reserve of $16,866,270, which enables us to provide timely loans and services tailored to your unique circumstances. We invite you to explore our website at myfpcu.com or give us a call at (989) 799-9801 to learn more about how we can assist you in achieving your financial goals. Join us today and experience the difference that comes with being part of a community-focused credit union!

Branch History & Mission

At Financial Plus, we take pride in our rich history and unwavering commitment to the community of Bay City, MI. Established in 1952, our branch has been a cornerstone of financial support for local residents for over seven decades. Located at 4129 N Euclid Ave, right near the bustling heart of Bay City, we have grown alongside our community, adapting to its needs while maintaining our core values. Since opening our doors, we have continually expanded our services to meet the evolving demands of our membership. Today, we are proud to serve over 81,195 members with total assets exceeding $1.39 billion. Our journey reflects not just growth in numbers but also an enduring mission: to provide accessible and affordable financial solutions that empower individuals and families. Our mission is clear: We strive to enhance the financial well-being of every member by offering personalized banking services and fostering a supportive environment. Whether it's through checking and savings accounts, auto loans, mortgage refinancing, or credit cards with rewards, our goal is to help you achieve your financial aspirations. We believe in building lasting relationships rooted in trust and transparency. In addition to traditional banking services, Financial Plus embraces modern technology. Our digital offerings include online banking and mobile payment options that make managing your finances convenient and secure. We also ensure accessibility for all members, adhering to ADA compliance standards so everyone can benefit from our services. Community outreach is at the heart of what we do. We actively participate in local events and partner with organizations dedicated to making Bay City a better place for everyone. From educational workshops on financial literacy to supporting local charities, we aim to give back as much as we receive. For those needing assistance outside regular hours, we offer ATM access and drive-thru banking services for quick transactions. If you prefer face-to-face interaction, visit us during our lobby hours from 9:00 AM to 5:00 PM Monday through Friday or join us on Saturdays from 9:00 AM to 1:00 PM at our drive-thru. While members can visit us at 4129 N Euclid Ave, official correspondence should be sent to 4129 N Euclid Ave, Bay City, MI 48706. For inquiries or assistance, don't hesitate to call us at 989-799-9801. Join us at Financial Plus where your financial journey matters! Experience the benefits of being part of a community-focused credit union that truly cares about your success.

Branch Location & Accessibility

Call to Action

We invite you to visit us today at Financial Plus in Bay City! Our dedicated staff is eager to assist you with all your banking needs. Whether you're a long-time member or new to the area, we're excited to welcome you into our community-focused credit union. Come see how we can help you achieve your financial dreams!

Getting Here

Accessing our branch is a breeze! We offer ample parking right outside the entrance, ensuring you can pop in without any hassle. Plus, our facility complies with ADA standards, featuring ramps and accessible entrances for everyone. Whether you're coming in for a quick transaction or to discuss your financial goals, we've made it easy for you.

Operating Hours

We know your time is valuable. That's why we're open Monday through Friday from 9 AM to 5 PM, and on Saturday from 9 AM to 1 PM for drive-thru services. Need assistance? Just give us a call at 989-799-9801 during business hours!

Services Offered

At Financial Plus, we pride ourselves on offering a wide range of services tailored to fit your needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. If you're looking for business banking solutions or simply need to access cash at our ATM or through our drive-thru service, we are here for you.

Member Eligibility

At Financial Plus, we believe that everyone deserves a supportive financial partner, and becoming a member is your first step towards that goal. If you reside, work, or worship in the Bay City area, you're likely eligible to join our community! We welcome individuals from various backgrounds, making it easy for you to access the benefits of credit union membership. From competitive rates on loans and savings accounts to personalized service, joining us means being part of something special. The process is simple and welcoming. To get started with your membership at Financial Plus, just visit us at our location on 4129 N Euclid Ave Bay City Mi 48706 or give us a call at (989) 799-9801 for more information. For specific eligibility details, feel free to check out our website at . We're excited to help you take control of your financial future!

Business Banking & Commercial Services

Merchant Services Made Easy

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine having a reliable way to accept payments from customers whether they pay by card or mobile device. This not only enhances customer experience but also helps streamline your operations. Visit us at 4129 N Euclid Ave Bay City Mi 48706 in Bay City, MI or give us a call at (989) 799-9801 to learn more about how our business banking and commercial services can empower your success!

Supporting Business Growth

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

Accessibility and Support

Our branch is equipped with one ATM on-site to ensure that accessing cash is hassle-free for all our members. If you have questions or need assistance with any of our services, feel free to call us at 989-799-9801 during our operating hours: Monday through Friday from 9:00 AM to 5:00 PM and Saturdays from 9:00 AM to 1:00 PM. At Financial Plus, we are committed to making your banking experience as straightforward as possible while offering the comprehensive services you need for both personal and business finance. We invite you to visit us today or explore our offerings online at myfpcu.com. Let us help you take the next step toward achieving your financial goals!

Business Banking Services

For entrepreneurs and small business owners, Financial Plus offers essential business banking solutions, including merchant services and business loans. We believe in supporting local businesses by providing the financial resources necessary for growth.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide top-notch online and mobile banking services. You can manage your accounts from anywhere at any time! Our features include mobile payments, e-statements, person-to-person transfers, and more. With our ATM and cash withdrawal services, accessing your funds is quick and easy. We also have basic drive-thru banking available for deposits, withdrawals, and simple transactions for those who prefer face-to-face service without leaving their vehicles.

Personal Banking Solutions

We understand that everyone has different banking needs. That's why we offer a variety of checking and savings accounts designed for your everyday transactions and savings goals. If you're planning to purchase a vehicle, our auto loans and vehicle financing options make it easy for you to drive away in the car of your dreams. Additionally, our mortgage loans and refinancing services can help you secure your home or lower your monthly payments. If life throws unexpected expenses your way, our personal loans and debt consolidation options provide the flexibility and support you need to regain control of your finances. Plus, don't forget about our credit cards with rewards that allow you to earn while you spend!

Digital & Online Banking

Key Features

Enjoy the freedom of accessing e-statements whenever you need them. Say goodbye to paper clutter and hello to convenient digital records! You'll also appreciate the option for electronic signature authorization, which makes signing documents a breeze without needing to visit a branch. If you're always on the move, our mobile application is available for download, giving you access right from your smartphone. Our mobile payments feature allows you to make quick transactions using just your phone perfect for those busy days when you're out and about. Need to send money to a friend? Our person-to-person transfer feature lets you do just that in seconds. It's fast and secure, so you can feel confident sending money with just a few taps. At Financial Plus, we prioritize your safety while providing these modern conveniences. Our systems are built with robust security measures to keep your information safe, so you can focus on what really matters your financial goals. Explore all these features and more by visiting us online today at https://www.myfpcu.com/. Your banking experience has never been more accessible!

Financial Strength

Commitment to Operational Excellence

Our $0 reflects our operational efficiency, 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. This dedicated team ensures that our branches are always ready to serve you with knowledgeable support.

Growing Membership Base

Total Share and Deposit Accounts stand at 177,390, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending reflect our commitment to supporting your financial journey. 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 4129 N Euclid Ave Bay City Mi 48706 or call (989) 799-9801 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.

Reinvestment for Better Services

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 is robust with $13,603 in used auto loans and $940,477,780 in total loans and leases, supporting members' financial goals across various sectors.

Solid Financial Health

With a net worth of $172,253,078, we maintain strong 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

Additional Options

If you're considering refinancing options or need assistance determining your eligibility for any of our loan products, our team is here to help. We can guide you through the process and ensure you find the best solution tailored to your financial situation. To learn more about our loan offerings or to speak with one of our representatives directly, please call us at 989-799-9801 during our operating hours: Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 1:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Financial Plus, we're committed to providing transparent and accessible lending solutions that empower you on your financial journey.

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. We provide financing options for both new and used vehicles, ensuring you find the right fit for your budget.

Credit Lines

For those who prefer flexibility in their borrowing needs, we provide credit lines totaling $317,290,000. This can be an ideal solution for managing cash flow or funding larger purchases as they arise.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $54,706,483. We make buying or refinancing simple and straightforward. With competitive rates and flexible terms, owning your dream home could be closer than you think.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $32,335,190 in loans helping members manage their finances effectively. This option allows you to cover unexpected expenses without the burden of collateral.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in your choices. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results for every user. - Real-Time Rate Comparisons: You can view up-to-date loan rates from multiple institutions, helping you make well-informed decisions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" 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.*

Ensuring Accurate 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 ensures that you receive fair and transparent offers tailored to your needs. Every lender listed has been verified, so you can trust the information provided.

Financial Plus