Financialedge Bay City MI Credit Union | Affordable Auto Loans & Business Banking

Introduction

Welcome to Financialedge, your trusted partner in achieving financial wellness. Located at 1304 N Sherman St, Bay City, MI 48708, our branch has been serving the community since 1950. With a commitment to our 8,833 members, we provide a range of services tailored to meet your needs, from personal banking and auto loans to business financing. At Financialedge, we pride ourselves on our strong financial foundation. Our total assets are an impressive $124,935,543, with total deposits amounting to $15,282,482. We also have a solid net worth of $16,032,502 and cash in hand totaling $1,086,468 all indicators of our stability and reliability as a credit union. Our leadership team is dedicated to enhancing your banking experience. Under the guidance of CEO Jeremy Coberley and Board President Norma Felker, we strive to create an environment where members feel valued and supported. While you can always visit us at our branch for any inquiries or transactions, please note that official correspondence should be sent to our mailing address: PO Box 446, Bay City, MI 48707. We invite you to discover how Financialedge can assist you with your financial goals. Whether you're looking for loans or simply want to explore our services further, don't hesitate to reach out at (989) 892-6088 or visit us online at Financialedge Website. Your journey toward financial success starts here!

Branch History & Mission

At Financialedge, we pride ourselves on a rich history that dates back to 1950 when we first opened our doors in Bay City, MI. Over the years, we have grown from a small credit union into a vital financial resource for our community, now serving over 8,800 members with total assets exceeding $124 million. Our journey has been marked by a commitment to providing exceptional financial services while fostering a strong sense of community. Located at 1304 N Sherman St, Bay City, MI 48708, our branch is not just a place to manage finances; it's a hub where individuals and families come together to achieve their financial goals. We are easily accessible and close to local landmarks, making it convenient for members to stop by for personal banking needs or community events. Our mission at Financialedge is simple yet profound: to empower our members through financial education and support, ensuring they can make informed decisions about their financial futures. We offer a variety of services including checking and savings accounts, auto loans, mortgage financing, personal loans, and business banking solutions. Our goal is not only to provide top-notch financial products but also to engage in meaningful outreach within the Bay City community. As we've evolved, we've embraced modern technology to enhance our services. With features like online banking and mobile applications, we ensure that managing your finances is easy and secure. We also take pride in our drive-thru service for quick transactions and are committed to accessibility for all members. While you can visit us at the branch for all your banking needs during our lobby hours Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 12:30 PM official correspondence should be sent to our mailing address at PO Box 446, Bay City, MI 48707 if different from the branch address. At Financialedge, we believe in giving back. Our partnerships with local organizations and participation in community events allow us to support those around us actively. We strive not just to meet the financial needs of our members but also to uplift the entire Bay City area through our outreach initiatives. We invite you to join us at Financialedge and experience firsthand the benefits of being part of a community-focused credit union. Whether you're looking for personal banking solutions or ways to enhance your business's financial health, we're here for you every step of the way. Visit us today or give us a call at 989-892-6088; let's work together toward achieving your financial dreams!

Branch Location & Accessibility

Convenient Access

Our branch is designed with accessibility in mind. Whether you arrive by car or on foot, you'll find ample parking available right outside our doors. We also ensure that our facilities comply with ADA standards, making it easy for everyone to access our services comfortably.

Get in Touch

If you have any questions or would like more information about what we offer, please don't hesitate to give us a call at 989-892-6088. We invite you to stop by the Financialedge Sherman Office today your trusted partner in achieving your financial goals!

Operating Hours

At Financialedge, we understand that your time is valuable. That's why we offer flexible operating hours to accommodate your busy schedule. Our lobby is open Monday through Friday from 9:00 am to 5:00 pm, and for those who prefer drive-thru service, we're here for you from 8:00 am to 6:00 pm on weekdays and Saturday from 9:00 am to 12:30 pm.

Services Tailored for You

While visiting us, you'll discover a wide range of services tailored to fit your financial needs. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, our friendly staff is ready to help. Although we don't have ATM services at this location, our drive-thru provides essential banking functions like deposits and withdrawals for your convenience.

Member Eligibility

Joining the Financialedge community is more than just opening an account; it's about becoming part of a supportive family that cares about your financial well-being. At our branch located at 1304 N Sherman St Bay City Mi 48708, we welcome anyone who lives, works, worships, or attends school in our area. You don't need to meet complex requirements to be eligible our goal is to make membership accessible for everyone. Being a member means enjoying benefits like competitive rates on loans and savings, personalized service, and a variety of financial products designed with you in mind. If you're ready to take the next step, opening an account is a breeze! Just visit us online at https://apps-feccu.ns3web.com/nsloan to get started. If you have questions or need assistance, feel free to give us a call at (989) 892-6088. For more detailed eligibility criteria, check out our website at . We look forward to welcoming you into our Financialedge family!

Business Banking & Commercial Services

Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $3 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $27 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $318,063, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services that make payment processing easy and efficient. Imagine a local café owner who can now accept payments quickly through our user-friendly systems. This means more satisfied customers and faster transactions, allowing business owners to focus on what they do best serving their clients. Located at 1304 N Sherman St Bay City Mi 48708 in Bay City, MI, we invite you to explore how our dedicated team can help your business thrive. For inquiries, reach out at (989) 892-6088 or visit us online at https://www.finedgecu.org/. Let's write your success story together!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing options make it simple. We help you find the right loan that fits your budget while ensuring competitive rates. Picture yourself driving off in that dream car with monthly payments that won't break the bank!

Business Banking

For entrepreneurs, we provide robust business banking solutions including merchant services and business loans tailored to fit the unique needs of small businesses. Imagine having the financial backing necessary to grow your operations without unnecessary stress.

Credit Cards with Rewards

Our credit cards not only offer convenience but also rewards for everyday purchases. Enjoy earning points on gas, groceries, and more making every dollar spent work harder for you.

Drive-Thru & Cash Withdrawal Services

We know convenience matters. That's why we offer drive-thru services for quick transactions like deposits and withdrawals without leaving your vehicle. At Financialedge, we prioritize making banking easy and accessible for everyone. If you're ready to learn more about how we can support your financial journey, don't hesitate to reach out! Call us at (989) 892-6088 or visit us at 1304 N Sherman St Bay City Mi 48708 today!

Mortgage Loans & Refinancing

If homeownership is on your mind, our mortgage loans can turn that dream into reality. Whether you're buying your first home or looking to refinance an existing mortgage for better terms, our experienced team will assist you in navigating the process smoothly.

Personal Banking

We offer personal banking services designed for your everyday needs. Our checking and savings accounts provide you with flexibility and easy access to your funds. Imagine being able to manage your finances effortlessly through our online and mobile banking platforms, allowing you to check balances, transfer money, and pay bills from the comfort of your home or on the go.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's where our personal loans come in handy, giving you quick access to cash when you need it most. Additionally, if you're feeling weighed down by multiple debts, consider our debt consolidation options an effective way to simplify payments and reduce interest rates.

Digital & Online Banking

Key Features

Our online banking services are available 24/7, allowing you to view your balances, transfer money, and pay bills whenever you need to. You can enjoy the convenience of person-to-person transfers, making it simple to send money to friends or family without any hassle. Plus, with electronic signature authorization, signing documents is quick and secure. If you prefer staying organized, you'll appreciate our e-statements feature. This not only helps reduce paper clutter but also ensures that your financial information is easily accessible whenever you need it. And for those who are always on the move, our mobile application gives you full control over your finances right from your smartphone.

Security and Support

Your security is our top priority. Our digital banking platform employs robust security measures to keep your information safe. We want you to feel confident when accessing your accounts online. With all these features combined, managing your money has never been easier. From checking balances to making payments, everything is just a few clicks away! So why wait? Explore the convenience of digital banking with Financialedge today!

Financial Strength

Focused on You

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. Your needs shape our services.

Growing Together

Total Share Accounts: 19,110, show a strong and growing member base that trusts us with their finances. This growth signifies not only our reliability but also your confidence in choosing Financialedge as your financial partner. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Financialedge is your trusted partner. Visit us at 1304 N Sherman St Bay City Mi 48708 or call (989) 892-6088 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Member Savings Secured

Members' savings are secured through $10,886,220 in share certificates and $24,312,367 in money market shares, offering stable and rewarding financial growth opportunities. This commitment to safeguarding your savings is one of the many ways we prioritize our members' interests.

Our Financial Health

With a net worth of $16,032,502, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,281 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 & Lending Capacity

With $14,696,293 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our $1,403 in used auto loans and $80,712,090 in total loans and leases further demonstrate our ability to support your financial goals across various sectors. Our $1,132,476 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 30 full-time employees and 3 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, with over $21,510,666 in used vehicle loans and $3,106,335 in new vehicle loans already helping members get on the road. Whether you're purchasing a new or used vehicle, we're here to make financing simple and accessible.

Business Financing

For business owners, our outstanding commercial loans totaling $318,063 provide the capital needed to grow and expand your operations. We understand the unique challenges businesses face and aim to support your financial journey. At Financialedge, we prioritize member service. If you're interested in any of our loan products or have questions about eligibility options, feel free to reach out to us at 989-892-6088. Our lobby hours are Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 12:30 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. We're committed to guiding you toward achieving your financial goals with our comprehensive loan offerings tailored for your needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $5,134,395, making buying or refinancing straightforward. We also provide refinancing options to help you secure better rates on your existing mortgage.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $3,491,672 in loans helping members manage their finances effectively. These cards come with various benefits that can help you earn rewards while keeping your spending in check.

Loan Aggregator

Benefits of Using LendMesh

LendMesh offers several key benefits: - Verified Data: Loan offers come from legitimate financial institutions, ensuring transparency in what users see. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results for everyone. - Real-Time Rate Comparisons: Users can view up-to-date loan rates from multiple institutions, allowing them to make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective and user-friendly the platform is. For anyone looking to secure a loan, comparing real-time offers is essential. With LendMesh, finding the best rates has never been easier or more transparent. 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 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 sourcing ensures that users receive fair and transparent offers tailored to their needs. By using verified financial institutions, LendMesh guarantees that all loan comparisons are accurate and trustworthy.

Financialedge