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

Introduction

Welcome to First Area Credit Union, your trusted partner in financial success since 1961! Located at 193 Campbell Ln, Saginaw, MI 48609, we are dedicated to serving our members and the community with integrity and commitment. With a total membership of over 3,220 individuals, we pride ourselves on creating a welcoming environment that fosters financial growth and personal connections. At First Area, we understand that every member's needs are unique. Our total assets have grown to an impressive $39,086,825, allowing us to offer a wide range of services tailored just for you. From checking and savings accounts to auto loans and mortgages, we're here to help you achieve your financial goals. With total deposits of $2,324,159 and total loans amounting to 994, we continue to empower our members through responsible lending practices. Our leadership team is passionate about guiding our credit union towards excellence. Led by CEO Lynn McCoy and Board President James Theisen JR, our dedicated staff of 11 employees is always ready to assist you with personalized service. Whether you prefer visiting us in person or utilizing our online banking options, we're here for you every step of the way. While members can visit us at our branch location, official correspondence should be sent to the same address: 193 Campbell Ln, Saginaw, MI 48609. We invite you to explore our website at First Area Credit Union for more information about our services and offerings. Join us today and discover how First Area Credit Union can make a difference in your financial journey. Call us at (989) 781-1430 or stop by during our lobby 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. Your future starts here!

Branch History & Mission

Community Connection

We understand the importance of being there for our members beyond just financial transactions. Our outreach programs and partnerships with local organizations aim to uplift those around us. Whether it's through educational workshops or community events, we strive to be a positive force in Saginaw. With modern conveniences like online banking and mobile applications, we ensure that our members can manage their finances easily and efficiently. Additionally, with an ATM available and drive-thru banking options at your service, we make banking as convenient as possible. While you can always visit us at our main branch on Campbell Lane, please send official correspondence to the same address as our mailing address: 193 Campbell Ln, Saginaw, MI 48609.

Join Us Today!

As we look toward the future, First Area remains committed to innovation and excellence in service. We invite you to join our credit union family and experience the numerous benefits that come with membership. Together, let's build a stronger community and secure a brighter financial future for all. For inquiries or further information about our services, please feel free to call us at 989-781-1430 or visit our website at firstareacu.com. We can't wait to welcome you!

Our Journey

Located at 193 Campbell Ln, Saginaw, MI 48609, First Area has evolved significantly over the years. We have embraced changes in technology while maintaining our focus on personal service and community involvement. As we expanded our offerings from checking and savings accounts to auto loans and mortgages we also fostered strong relationships within the community. This dedication is reflected not only in our growing membership but also in the trust placed in us by local residents. Our mission is simple yet powerful: to provide financial services that empower our members while supporting the communities we serve. We believe that everyone deserves access to quality banking options tailored to their needs. This commitment drives us to create products that are not only beneficial but also accessible for all.

Branch Location & Accessibility

Call to Action

We invite you to stop by First Area today! For any questions or if you need assistance before your visit, feel free to give us a call at 989-781-1430. We look forward to serving you and helping you achieve your financial goals!

Nearby Landmarks and Accessibility

You can find us near popular local spots, making it simple to combine your banking needs with errands or leisure activities. With ample parking available, visiting us is hassle-free. Our branch is designed with accessibility in mind, including ADA-compliant features that ensure everyone can enjoy our services comfortably.

Operating Hours and Services

At First Area, we understand that life can be busy. That's why we offer flexible operating hours: we're open Monday through Wednesday from 9 AM to 5 PM, Thursday and Friday until 6 PM, and Saturday mornings until 12 PM. Our dedicated team is ready to assist you with a variety of services such as personal banking, auto loans, mortgage options, and business banking solutions. We also offer convenient ATM access for quick cash withdrawals and basic transactions without stepping inside the branch. If you prefer a little more convenience, take advantage of our drive-thru banking service for deposits and withdrawals on the go!

Member Eligibility

Becoming a member of First Area is like joining a family that genuinely cares about your financial well-being. If you live, work, or worship in the area around Saginaw, you're already on your way to enjoying all the benefits we offer! We believe in making banking accessible for everyone, so if you're interested in becoming a member, simply reach out to us at (989) 781-1430 or visit us at our welcoming branch located at 193 Campbell Ln Saginaw Mi 48609. For more detailed eligibility criteria and to see if you qualify, check out our resources at . Once you're ready to join us, opening an account is straightforward and friendly just visit the same link for guidance on how to get started. Join us today and experience the difference of being part of a supportive community dedicated to helping you achieve your financial goals!

Business Banking & Commercial Services

Financing Your Growth

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 Matter

In addition to loans, our merchant services provide practical tools that simplify transactions for your business. Imagine the ease of managing payments directly from your mobile device or having a reliable point-of-sale system that keeps your operations running smoothly. Our services are designed not just to meet your needs but to empower you to focus on what truly matters growing your business. Visit us at 193 Campbell Ln Saginaw Mi 48609 in Saginaw, MI, or call us at (989) 781-1430 to learn more about how we can help you thrive!

Comprehensive List Of Services

Business Banking Services

For local businesses, we know how crucial it is to have reliable financial support. At First Area, we offer comprehensive business banking services, including merchant services that simplify payment processing for your customers and business loans tailored to help you grow.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why we have robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. Whether you're checking balances, transferring funds, or paying bills, our digital platforms are designed for ease of use. You can also enjoy hassle-free access to cash through our ATM services, which include basic withdrawals and balance checks.

Drive-Thru and ATM Access

Sometimes you just need quick service without stepping inside the bank. Our drive-thru banking allows you to conduct simple transactions like deposits and withdrawals from the comfort of your vehicle. With an ATM on-site, accessing cash is as simple as pulling up and following a few easy steps. At First Area in Saginaw, MI, we strive to make banking straightforward and accessible for everyone. If you have any questions or would like more information about our services, please don't hesitate to reach out at 989-781-1430 or visit us online at First Area. We look forward to serving you!

Personal Banking Solutions

When it comes to personal banking, we understand that each member has unique financial goals. That's why we offer checking and savings accounts designed to help you manage your money effectively. Our auto loans and vehicle financing options are perfect for those planning to purchase a new car or refinance an existing loan. Need help with homeownership? Our mortgage loans and refinancing services make it easy to achieve your dream home while ensuring affordable payments. If you're facing unexpected expenses, our personal loans and debt consolidation options can provide the relief you need. Plus, with our credit cards that offer rewards, you can earn points on every purchase, turning your spending into savings!

Digital & Online Banking

Accessing Your Accounts Anytime

Our online banking service at https://www.firstareacu.com/ provides you with 24/7 access to your accounts. Whether you're checking your balance or paying bills, everything you need is just a click away. Plus, for added convenience, our mobile application lets you manage your finances right from your smartphone.

Effortless Money Management

Need to send money to a friend? Our person-to-person transfer feature makes it easy! You can quickly send funds directly from your account without any hassle. It's just one more way we help simplify your banking experience. While mobile payments are not currently available, our other features ensure that managing your finances is still straightforward and convenient. With a focus on user-friendly design and robust security measures, First Area is committed to providing the best digital banking experience possible. Embrace the ease of managing your money with us today!

Go Green with E-Statements

Say goodbye to paper clutter! At First Area, we offer e-statements, allowing you to receive your financial statements digitally. This not only saves trees but also helps keep your information organized and accessible whenever you need it.

Secure Transactions Made Simple

We prioritize your security. With electronic signature authorization available at First Area, you can complete important transactions securely without needing to be physically present. This feature streamlines processes like loan applications and account openings, making it easier for you to get things done efficiently.

Financial Strength

At First Area, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand how important it is for you to feel confident in your financial institution, and we want to assure you that we are committed to maintaining a solid foundation. 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. 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. 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 is reflected in the $392 in used auto loans and $17,371,393 in total loans and leases, supporting members' financial goals across various sectors. Although our net income stands at $-47,240, which shows room for improvement, it still reflects our operational efficiency as we work towards providing competitive loan rates and solid financial products for our members. 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 knowledge and commitment. Our current net shares (funds available for lending and investments) amount to $0, further indicating our strong standing. The number of total share accounts stands at 5,689, showing a robust member base that trusts us with their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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.

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 financing options for both new and used vehicles that make it easy to get behind the wheel of a reliable car without breaking the bank.

Business Financing

For business owners looking for growth opportunities, our outstanding commercial loans totaling $652,217 provide the capital needed to expand operations or invest in new projects. We understand that running a business comes with its own set of challenges, and we're here to support you every step of the way. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. If you have any questions about refinancing options or eligibility for our various loan products, feel free to reach out to us at 989-781-1430. Let us help you navigate your financial journey with confidence!

Credit Lines and Unsecured Loans

For those needing flexibility in managing finances, we offer substantial credit lines totaling $6,000,000. This can be particularly useful if you want quick access to funds without having to apply for a new loan every time. Additionally, we also provide unsecured credit card loans; however, currently there are no outstanding amounts available.

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $545,140, make buying or refinancing simple. We understand that purchasing a home is one of the most significant financial commitments you will make. That's why our team is here to help guide you through the process and find the right loan for your situation.

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 rigorous sourcing process ensures that users receive fair and transparent offers tailored to their needs.

First Area