First Area Credit Union Saginaw MI | Best Auto Loans & Business Banking

Introduction

Welcome to First Area, your trusted community credit union located at 193 Campbell Ln, Saginaw, MI 48609. Established in 1961, we have proudly served our members for over six decades, building a foundation of trust and reliability. With a commitment to providing personalized financial services, we currently support 3,220 members and manage assets totaling $39,086,825. At First Area, we believe in the power of community and strive to make a positive impact on the lives of our members. Our diverse range of services includes personal banking options such as checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. Whether you're looking to consolidate debt or finance a new vehicle, our dedicated team is here to help you achieve your financial goals. Led by our experienced CEO, Lynn Mccoy, and Board President James Theisen JR, we take pride in offering exceptional service from our friendly staff of 11 employees. Our branch provides essential services including ATM access, drive-thru banking, and online banking options for your convenience. While members can visit us at 193 Campbell Ln, official correspondence should be sent to the same address. Feel free to reach out to us at (989) 781-1430 or explore more about our offerings at www.firstareacu.com. Join us today and experience the difference that comes with being part of a credit union that values its members above all else!

Branch History & Mission

Community Engagement

We take pride in being more than just a credit union; we are an active participant in the Saginaw community. Through partnerships with local organizations and outreach programs, we strive to give back by supporting initiatives that improve the quality of life for our residents. Whether it's sponsoring local events or providing resources for those in need, First Area is dedicated to making a positive impact. As we look towards the future, we invite you to join us on this journey. Experience firsthand the benefits of becoming a member of First Area Credit Union. Together, let's build a brighter financial future for you and your family. For more information or to reach out to us directly, please call us at 989-781-1430 or visit our website at First Area. Join us today!

Our Evolution

Since our inception, First Area has continuously evolved to meet the changing needs of our members. From humble beginnings focused on personal banking, we have expanded our services to include auto loans, mortgages, credit cards with rewards, and business banking solutions. We understand that life can be unpredictable; that's why we offer personalized services such as debt consolidation and refinancing options to help you manage your finances effectively. We also embrace technology to enhance your banking experience. With features like online banking and electronic statements, managing your finances is easier than ever. Our commitment to accessibility ensures that all members can engage with us through various platforms, including mobile applications for convenient banking on the go.

Our Mission

At First Area, our mission is clear: to provide comprehensive financial services while fostering a sense of community and support among our members. We believe in empowering individuals and families by offering not only financial products but also educational resources that promote financial literacy and responsible money management. Our drive-thru service and ATM availability make it easy for members to access their accounts without hassle. While you can visit us at 193 Campbell Ln, any official correspondence should be sent to the same address as we ensure prompt responses to all inquiries.

Branch Location & Accessibility

Contact Us Today!

If you have any questions or need assistance, feel free to call us at 989-781-1430. Our friendly staff is always ready to help! We invite you to visit First Area today come see how we can support your financial journey! While members can visit us at 193 Campbell Ln, official correspondence should be sent to the same address since it doubles as our mailing address. We look forward to welcoming you into the First Area family!

Easy Access and Nearby Landmarks

You can find us just a stone's throw away from popular local landmarks like Saginaw Valley State University and The Fashion Square Mall, making it easy to drop by during your day out. We provide ample parking right outside our branch, ensuring that you won't have to worry about finding a spot. Our facility is also ADA compliant, featuring ramps and accessible entrances so everyone can enjoy our services comfortably.

Operating Hours and Services

At First Area, we understand that your time is valuable. That's why we offer flexible operating hours: Monday through Wednesday from 9 AM to 5 PM, Thursday and Friday from 9 AM to 6 PM, and Saturday from 9 AM to noon. This way, you can visit us at times that work best for you! Our branch provides a full suite of personal banking services including checking and savings accounts, auto loans, mortgage options, personal loans, business banking solutions, and more. You'll also find a drive-thru option available for quick transactions without leaving your car. Plus, with our ATM on-site, you can access cash or check your balance anytime.

Member Eligibility

At First Area, we believe that everyone deserves a chance to be part of a supportive financial community. Joining us is easy! If you live, work, or worship in Saginaw County, you're already eligible to become a member. We welcome individuals from all walks of life and encourage you to take advantage of our range of services designed to help you achieve your financial goals. Becoming a member not only grants you access to competitive rates and personalized service but also connects you with a community that truly cares about your well-being. To start your membership journey with First Area, simply visit us at our branch located at 193 Campbell Ln Saginaw Mi 48609 or give us a call at (989) 781-1430 for more information. For detailed eligibility criteria, feel free to check out our website at . We can't wait to welcome you into our family!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine having a reliable partner who understands the ins and outs of transactions. Our merchant services are designed to simplify payments for your customers while enhancing your cash flow. Whether you're accepting credit cards at a bustling storefront or processing online sales, we ensure that your payment systems work seamlessly so you can focus on what matters most running your business. Visit us at 193 Campbell Ln Saginaw Mi 48609 in Saginaw, MI to learn more about how we can support your business journey. For inquiries, feel free to call us at (989) 781-1430. Let's grow together!

Tailored Loan Options

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 $9 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $652,217, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

For our business members, we offer tailored solutions such as merchant services and business loans. We understand that running a business comes with its own set of challenges, and our experienced staff is here to support your success with banking products designed specifically for businesses.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we have invested in robust online and mobile banking features. With just a few clicks or taps, you can check balances, transfer funds, pay bills, or even send money to friends through our person-to-person payment feature. You'll also appreciate the ease of accessing cash through our ATMs and drive-thru services, perfect for those quick transactions without stepping inside. At First Area, we want your experience to be smooth and hassle-free. Whether you're making deposits or withdrawals through our basic drive-thru banking or using an ATM for balance checks and cash withdrawals, we've got options that fit into your busy lifestyle.

Credit Options

When unexpected expenses arise or when you're planning a big purchase, our personal loans and debt consolidation options can provide you with the financial flexibility you need. Additionally, our credit cards with rewards offer not just purchasing power but also perks for your everyday spending. Think about how rewarding it would be to earn points on purchases you already make!

Get Started Today!

We invite you to explore all that First Area has to offer. For any questions or assistance regarding our services, feel free to call us at 989-781-1430. Our friendly team is eager to assist you during our operating hours: Monday through Wednesday from 9 AM to 5 PM, Thursday and Friday from 9 AM to 6 PM, and Saturday from 9 AM to 12 PM. Experience the difference with First Area, where member satisfaction is our priority! Visit us today or check out more information on our website at www.firstareacu.com. Let's work together towards achieving your financial dreams!

Personal Banking Solutions

We understand that managing your finances can be overwhelming at times. That's why First Area offers comprehensive personal banking services designed to make your life easier. From checking and savings accounts that help you manage day-to-day expenses to more specialized options like auto loans and vehicle financing, we are dedicated to helping you achieve your financial goals. Imagine driving off in a new car with a loan that fits comfortably within your budget our team is ready to assist you every step of the way. For those considering homeownership or looking to refinance their existing mortgage, our mortgage loans come with competitive rates and personalized service. We know that each member's situation is different, so we work closely with you to find the right solution.

Digital & Online Banking

Key Features

With our 24/7 Online Banking services available at https://www.firstareacu.com/ , you can check your account balances, transfer funds, and pay bills from the comfort of your home or on the go. Whether you're using your computer or our user-friendly mobile application, accessing your accounts has never been easier. For those who prefer paperless options, we provide E-Statements, allowing you to receive your bank statements electronically. This not only saves trees but also ensures that you have quick access to important financial documents right at your fingertips. Plus, with Electronic Signature Authorization, signing documents online is a breeze no need for printing or mailing! Need to send money to a friend or family member? Our Person-to-Person Transfers feature lets you do just that with just a few taps. No more fumbling with cash or checks; sending money has never been more straightforward.

Security and Accessibility

We prioritize your security while providing these online services. You can rest easy knowing that our systems are built with robust security measures to protect your information. Navigating through our platforms is designed to be intuitive, so even if you're not tech-savvy, you'll find everything you need easily. In today's fast-paced world, having access to your finances whenever you want is vital. With First Area, managing your money is simple and stress-free. Experience the convenience of modern banking by exploring all our digital services today!

Financial Strength

Committed Team for You

We also take pride in having 8 full-time employees and 3 part-time employees. This dedicated team ensures our branches are always ready to serve you with a knowledgeable and committed approach.

Growing Member Base

Our commitment to our members is reflected in our numbers Total Share Accounts stand at 5,689, showing a strong and growing member base that trusts us with their finances. Although this year has been challenging with a net income of $-47,240, it shows our operational efficiency as we navigate these times. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First Area is your trusted partner. Visit us at 193 Campbell Ln Saginaw Mi 48609 or call (989) 781-1430 to learn more about how we can help you achieve your financial goals.

Reinvestment for Better Services

With $3,919,617 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 $392 in used auto loans and $17,371,393 in total loans and leases.

Secure Savings Opportunities

Members' savings are secured through $5,949,255 in share certificates and $5,268,582 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 $3,895,419, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $996 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 $4,739,074 in used vehicle loans and $2,518,123 in new vehicle loans already helping members get on the road. We offer flexible terms and competitive interest rates tailored to fit your budget. Plus, if you're considering refinancing your current auto loan, we have options available that could save you money each month.

Commercial Loans

If you're a business owner looking for support to expand or invest in new opportunities, our outstanding commercial loans totaling $652,217 provide the capital needed for growth. We understand the unique challenges businesses face and are committed to helping you succeed. At First Area, we strive to make borrowing straightforward and accessible. If you're interested in any of our loan products or would like more information about eligibility or refinancing options, please reach out to us at (989) 781-1430 or visit us at 193 Campbell Ln Saginaw MI 48609. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Credit Lines and Unsecured Loans

For those who want more flexibility in their spending, we provide access to credit lines with a total limit of $6,000,000. This can be ideal for managing larger purchases or unexpected expenses. Additionally, we also offer unsecured credit card loans to help members manage their finances effectively; however, currently there are no outstanding amounts in this category.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $545,140, make buying or refinancing simple. We aim to guide you through the entire process with ease and transparency, ensuring that you find a solution that meets your needs.

Loan Aggregator

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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 sourcing ensures that the offers displayed are fair and transparent. Users can trust that they are viewing accurate information from reliable financial entities.

FIRST AREA CREDIT UNION