First Area Credit Union Hemlock MI | Affordable Auto Loans & Drive-Thru Banking

Introduction

Welcome to First Area Credit Union, your trusted financial partner since 1961. Located at 16630 Gratiot Rd, Hemlock, MI 48626, we take pride in providing personalized banking solutions that cater to our community's needs. With a strong membership base of 3,220 and total assets exceeding $39 million, we are committed to delivering exceptional service and support to each member. At First Area, we understand that every financial journey is unique. That's why we offer a variety of services ranging from personal banking options like checking and savings accounts to specialized auto loans and mortgage refinancing. As of now, our total deposits stand at an impressive $2,324,159, reflecting the trust our members place in us. Our dedicated team, led by CEO Lynn McCoy and Board President James Theisen JR, ensures that you receive the guidance you need for your financial decisions. While you can visit us at our branch for all your banking needs, please note that any official correspondence should be directed to our mailing address at 193 Campbell Ln, Saginaw, MI 48609. We invite you to experience the First Area difference where community commitment meets financial expertise. Whether you're looking to secure a loan or simply want to explore your banking options, don't hesitate to reach out! Call us at (989) 642-2500 or visit our website at First Area Credit Union. Join us today and discover how we can help you achieve your financial goals with confidence!

Branch History & Mission

At First Area Credit Union, we take pride in our rich history and commitment to serving the community. Established in 1961, our branch in Hemlock, MI, has grown from a small financial institution into a trusted partner for over 3,200 members. Located at 16630 Gratiot Rd, we are conveniently situated near local landmarks that resonate with the community spirit. From our humble beginnings, First Area has focused on building strong relationships with our members. We have weathered economic changes and embraced advancements in technology to enhance our services. Today, with total assets of $39,086,825, we continue to provide a wide array of financial products designed to meet the diverse needs of our members. Our mission is simple yet profound: to empower individuals and families through accessible financial services while fostering community support. We understand that banking goes beyond transactions; it's about helping you achieve your dreams whether that's purchasing your first home or financing your next vehicle. While members can visit us at 16630 Gratiot Rd Hemlock Mi 48626, official correspondence should be sent to 193 Campbell Ln, Saginaw, MI 48609. Our branch operates with flexible 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 to ensure we are available when you need us most. We are proud to offer features like drive-thru banking and ATM access for quick transactions. Our digital services also reflect our commitment to innovation; you can enjoy online banking and mobile applications for convenient account management. Moreover, our community outreach efforts demonstrate our dedication beyond banking. We partner with local organizations to support initiatives that uplift Hemlock and surrounding areas. These partnerships amplify our impact as we strive to create a better tomorrow for everyone. Join us at First Area Credit Union today! Experience firsthand the benefits of being part of a member-focused credit union that prioritizes your financial well-being while actively contributing to the community's growth. Call us at (989) 642-2500 or visit our website at First Area Credit Union for more information on how you can become part of our family!

Branch Location & Accessibility

Call Us Today!

Have questions? Don't hesitate to reach out! You can give us a call at 989-642-2500; our friendly staff is ready to assist you with anything you need. We invite you to come by First Area today experience banking that truly cares about you!

Nearby Landmarks and Accessibility

Our branch sits close to several well-known landmarks, making it easy to find. You can spot us just a short drive from the scenic parks and vibrant neighborhoods of Hemlock. We offer ample parking right in front of the building for your convenience, and our location is fully ADA compliant, featuring ramps and accessible entrances to ensure everyone feels welcome.

Operating Hours and Services

We understand that life can be busy! That's why we're here for you Monday through Wednesday from 9 AM to 5 PM, and on Thursday and Friday until 6 PM. We even open Saturday mornings from 9 AM to noon for those who need a little extra time during the week. At First Area, we provide a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we have something for everyone. Our drive-thru service makes quick transactions easy perfect for those on the go!

Member Eligibility

Becoming a member of First Area is like joining a welcoming family that truly cares about your financial well-being. Located at 16630 Gratiot Rd Hemlock Mi 48626, we're excited to invite you to explore the opportunities that come with membership. If you're a resident of our community, work in the area, or have family members who are already part of our credit union, you may be eligible to join us! Membership offers you access to a range of personalized services tailored just for you, including competitive loan rates and exclusive savings accounts. The process is straightforward and designed to be as inclusive as possible. You can learn more about the specific eligibility criteria by visiting our website at . Once you're ready, opening an account is just as easy. Feel free to reach out to us at (989) 642-2500 if you have any questions or need assistance along the way. We look forward to welcoming you into our community!

Business Banking & Commercial Services

Commercial Loans Tailored for Your Business

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.

Merchant Services That Make Transactions Easy

In addition to loans, we offer merchant services designed to simplify payments. Imagine being able to process transactions quickly and efficiently, whether you're at a bustling market or a cozy café. Our services ensure that you can focus on what matters most serving your customers while keeping your cash flow smooth. Visit us at 16630 Gratiot Rd Hemlock Mi 48626 in Hemlock, MI or call us at (989) 642-2500 to learn more about how we can help your business flourish.

Comprehensive List Of Services

Business Banking

We also cater to local businesses with specialized services. Our Business Banking solutions include Merchant Services & Business Loans, enabling entrepreneurs like you to manage transactions efficiently and secure funding when needed.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why at First Area, we offer robust Online & Mobile Banking platforms that allow you to manage your accounts anytime and anywhere. You can easily check balances, transfer funds, and make payments from the comfort of your home or on the go. And if cash is what you need, our ATM & Cash Withdrawal Services ensure you're never far from accessing your money.

In-Branch Services

For those who prefer face-to-face interactions, our branch provides essential services through our Basic Drive-Thru Banking, where you can handle deposits and withdrawals quickly without leaving your car. We also have basic ATM access available for quick transactions like withdrawals and balance checks. Our commitment at First Area is not just about providing services; it's about building relationships with our members in Hemlock and ensuring you're supported every step of the way. If you have questions about any of our offerings or want to learn more about how we can assist you financially, please reach out! You can contact us at 989-642-2500, or visit us at 16630 Gratiot Rd Hemlock, MI 48626. Join us today and discover how First Area can help empower your financial journey!

Personal Banking

When it comes to personal banking, we offer various Checking & Savings Accounts that help you save for your goals while keeping your funds easily accessible. For those looking to drive off with a new vehicle, our Auto Loans & Vehicle Financing options are designed with competitive rates and flexible terms that fit your budget. If you're dreaming of owning a home or refinancing your current mortgage, we provide personalized support through our Mortgage Loans & Refinancing services. For life's unexpected expenses or consolidating debt, our Personal Loans & Debt Consolidation products can help you get back on track financially. Plus, with our Credit Cards with Rewards, you can earn points on everyday purchases, making each transaction more rewarding.

Digital & Online Banking

At First Area, we understand that banking should be easy and convenient. That's why we offer a range of digital and online banking services designed to keep your finances at your fingertips, all while ensuring your information is secure. With our 24/7 Online Banking services available at https://www.firstareacu.com/, you can manage your accounts anytime, anywhere. Whether you need to check your balance, pay bills, or transfer funds, our user-friendly interface makes it simple. Plus, with e-statements, you can go paperless and access your statements quickly and securely whenever you need them. Need to send money to a friend? Our person-to-person transfers let you send money directly from your account without any hassle. And if you're on the go, our mobile application provides full access to your account right from your smartphone. You can even sign documents using our electronic signature authorization, making transactions quicker and more efficient. While we currently don't support mobile payments, rest assured that our focus remains on delivering a secure and robust online banking experience. With features like easy navigation and real-time account updates, managing your finances has never been easier. Join us at First Area today and take advantage of these great digital banking services that put you in control of your financial life!

Financial Strength

Committed Team Ready to Serve You

We also take pride in having 8 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Our operational efficiency is reflected in our $-47,240, enabling us to continue offering competitive loan rates and solid financial products for our members.

Growing Member Base

Our commitment is evident in our membership base, with a total of 5,689 share accounts reflecting the trust our community places in us. This growth not only signifies stability but also strengthens our ability to serve you effectively. 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 16630 Gratiot Rd Hemlock Mi 48626 or call (989) 642-2500 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

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 across various sectors 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.

Strong 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 provide financing options for both new and used vehicles, making it easier than ever to drive away in the car you want. Plus, if you're looking to lower your monthly payments or secure better terms, refinancing options are available.

Business Loans

For business owners, our outstanding commercial loans totaling $652,217 provide the capital needed to grow and expand your business. Whether you're starting a new venture or looking to invest in equipment or inventory, our team is here to support your entrepreneurial journey. At First Area located at 16630 Gratiot Rd Hemlock, MI 48626, our dedicated team is ready to assist you with all your lending needs. Feel free to reach out at (989) 642-2500 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. Explore our loan offerings today and discover how we can help you achieve your financial dreams! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. With Junior Lien 1-4 Family Residential Properties loans totaling $545,140, we guide you through every step of the mortgage process to ensure you make informed decisions about your investment in a new home.

Unsecured Credit Card Loans

Managing everyday expenses? We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. This product can be especially useful for those looking to build credit or cover unexpected costs without high-interest rates.

Loan Aggregator

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First Area