First Trust Michigan City IN Credit Union | Affordable Auto Loans & Business Banking

Introduction

Welcome to First Trust, where your financial journey is our top priority! Located at 950 E Us Highway 20, Michigan City, IN 46360, we have proudly served our community since 1959. As a trusted credit union, we believe in building strong relationships with our members, ensuring that you feel supported in every financial decision you make. At First Trust, we understand that every member has unique needs. That's why we offer a range of services designed to empower you from personal banking options like checking and savings accounts to auto loans and mortgages. With over 14,382 members and total assets exceeding $172 million, we are dedicated to helping you achieve your financial goals. Our commitment to excellence is reflected in our leadership team. Under the guidance of CEO Kim Kniola and Board President Robert Tillema, our staff of 41 employees is here to provide friendly service tailored just for you. Whether you're looking for loans or seeking advice on financial matters, we're ready to assist. While members can visit us at 950 E Us Highway 20, official correspondence should be sent to our mailing address: 950 E US Highway 20, Michigan City, IN 46360-7470. With a net worth of $20,512,855 and total deposits amounting to $11,633,256, First Trust stands as a pillar of strength in the community. We invite you to explore how we can help you save money and build wealth. Reach out today by calling us at 800-276-6161 or visit our website at First Trust for more information. Join us in making your financial dreams come true!

Branch History & Mission

At First Trust, we take pride in our rich history and unwavering commitment to serving the community of Michigan City, Indiana. Established in 1959, our credit union has grown from a small financial institution into a trusted partner for over 14,000 members. We are located at 950 E Us Highway 20, Michigan City, IN 46360, a convenient spot close to local landmarks that reflect our deep roots in this vibrant city. Throughout the years, First Trust has consistently evolved to meet the needs of our members. Our journey began with a simple mission: to provide accessible financial services while supporting the local community. Today, we manage assets totaling over $172 million, enabling us to offer a wide range of products including personal banking services, auto loans, mortgages, and business banking options. Our dedicated team of 41 employees works tirelessly to ensure that each member feels valued and supported. Our mission goes beyond just banking; we strive to uplift our community through various outreach programs and partnerships. We believe that by investing in our members' financial well-being, we can create a stronger community together. This commitment is reflected in our operating hours Monday to Thursday from 8:00 AM to 5:30 PM, Friday from 8:00 AM to 6:00 PM, allowing flexibility for those who need it most. First Trust is proud to be equipped with modern conveniences such as an ATM, drive-thru banking services, and shared service center access for our members' ease. In addition, we have embraced digital advancements like online and mobile banking, ensuring that our members can manage their finances anytime and anywhere. While members can visit us at 950 E Us Highway 20, official correspondence should be sent to 950 E US Highway 20, Michigan City, IN 46360-7470 if needed. We invite you to connect with us at 800-276-6161 for any inquiries or assistance. Join us at First Trust today and experience firsthand how we blend tradition with innovation to serve you better! Whether you're looking for personal finance solutions or wanting to become part of a supportive community-focused organization, we are here for you every step of the way. Visit our website at First Trust for more information on membership eligibility and how you can get started on your financial journey with us!

Branch Location & Accessibility

Accessibility and Convenience

Our branch is designed with accessibility in mind. We offer ample parking right outside, making it easy for you to visit us. For those who prefer not to enter the building, we also have a drive-thru service available for quick transactions like deposits and withdrawals. Inside, you'll find features that ensure everyone can access our services comfortably.

Get in Touch

Have questions or need assistance? Don't hesitate to give us a call at 800-276-6161. Our dedicated team is ready and waiting to help you with any inquiries. Come see us today at First Trust where community banking meets exceptional service!

Operating Hours

We know your time is valuable. That's why our lobby hours are structured for your convenience: we're open Monday through Thursday from 8:00 AM to 5:30 PM, and on Fridays from 8:00 AM to 6:00 PM. If you're planning a visit on Saturday, we're available from 9:00 AM until noon to cater to your weekend banking needs.

Services Offered

At First Trust, we offer a variety of services to help you manage your finances effectively. From checking and savings accounts to auto loans and mortgages, we strive to be your one-stop shop for all things banking. Plus, if you need cash after hours or want to make quick transactions on the go, our ATM is readily available for your convenience. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address at 950 E US Highway 20, Michigan City, IN 46360-7470.

Member Eligibility

At First Trust, becoming a member feels like joining a friendly family where your financial well-being is our top priority. If you live, work, worship, or go to school in the Michigan City area, you're already on the right path to joining our community! We welcome individuals and their families who meet these simple eligibility requirements, ensuring that everyone can benefit from our supportive services. Membership comes with fantastic advantages such as lower loan rates, personalized service, and access to a wide range of financial products designed just for you. Ready to take the next step? Opening an account is easy! Just visit us at our branch located at 950 E Us Highway 20 Michigan City In 46360 or give us a call at (800) 276-6161 for more information. You can also find detailed eligibility criteria on our website at https://www.firsttrustcu.com/credit-union-difference-membership/ , which is a great resource to ensure you have all the necessary information. Join us today and experience what it means to be part of something special!

Business Banking & Commercial Services

Merchant Services Made Easy

In addition to loans, we offer merchant services that simplify transactions for your business. Picture a busy Saturday at your shop, where customers are eager to make purchases. Our merchant services ensure that payments are processed quickly and securely, allowing you to focus on what matters most serving your customers and growing your business. Visit us at 950 E Us Highway 20 Michigan City In 46360 in Michigan City, IN, or contact us at (800) 276-6161 to learn more about how our Business Banking & Commercial Services can work for you!

Supporting Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $2 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $52 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $272,639, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

If you're a business owner, First Trust provides essential services like merchant services and business loans. We aim to support local businesses by offering tailored financial solutions that help them thrive in the community.

Credit Cards and Rewards

Imagine earning rewards while spending on everyday purchases! Our credit cards come with attractive rewards programs that let you earn points for cash back or travel benefits, making it easier to get more from your spending.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options. You can access your accounts anytime, anywhere whether it's checking your balance, transferring funds, or making payments on-the-go. Our ATM and cash withdrawal services also allow for easy access to your money whenever you need it.

Drive-Thru and Shared Branch Transactions

For those who prefer face-to-face interactions without stepping inside the branch, our basic drive-thru banking makes it simple to handle deposits, withdrawals, and other transactions quickly. Additionally, if you're a member of partner credit unions, you can enjoy basic shared branch transactions right here at First Trust. We're committed to ensuring that our members have all the tools they need for effective money management whether through traditional methods or modern digital solutions. If you have questions about any of our services or want to explore how we can assist you further, don't hesitate to reach out! Call us at (800) 276-6161, visit our website at https://www.firsttrustcu.com/ , or stop by our branch today. Join us at First Trust where your financial success is our priority!

Personal Banking Solutions

Whether you're looking to open a new checking or savings account, we've got you covered with our personal banking services. Our accounts are designed to help you manage your money effectively, allowing you to save for future goals or tackle daily expenses with ease. If you're considering buying a car, our auto loans and vehicle financing options can make the process simpler and more affordable. For those looking to purchase a home, we offer mortgage loans and refinancing solutions tailored just for you. And if unexpected expenses arise, personal loans and debt consolidation services are available to help you regain control of your finances.

Digital & Online Banking

Key Features

Our mobile application makes banking even easier. With it, you can make mobile payments and conduct person-to-person transfers without any hassle. Imagine sending money to a friend or family member in just moments no more waiting in line or dealing with cash! We also provide e-statements for those who prefer a paperless option. It's an eco-friendly choice that allows you to keep track of your transactions without cluttering your mailbox. Plus, the electronic signature authorization feature simplifies the process of signing documents digitally, making it faster and more efficient.

Security and Accessibility

Security is a top priority for us at First Trust. Our digital banking features are equipped with robust protections to keep your information safe while ensuring a user-friendly experience. You can bank confidently knowing that your data is secure. Managing your account has never been easier or more accessible. With real-time updates and intuitive navigation, you'll find everything you need right when you need it. Embrace the ease of modern banking with First Trust, where we prioritize your convenience and peace of mind!

Financial Strength

Committed Team

At First Trust, we also take pride in having 37 full-time employees and 4 part-time employees who are always ready to serve you with expertise and dedication. Together, they contribute to a strong team committed to your needs. Net Shares (Funds available for lending and investments): $180,765 further exemplifies our readiness to support member aspirations. With a total of 31,012 accounts, it's clear that many trust us with their finances.

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First Trust is your trusted partner. Visit us at 950 E Us Highway 20 Michigan City In 46360 or call (800) 276-6161 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

We believe in reinvesting for our members' benefit. With $20,229,298 in undivided earnings, we invest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. Our lending capacity is robust with $1,079 in used auto loans and a total of $49,058,134 across various loans and leases supporting your financial goals. Our operational efficiency is evident as reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members.

Our Financial Health

With a net worth of $20,512,855, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation is reinforced by our net worth ratio of $1,187, which ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $20,646,219 in share certificates and $26,967,908 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $16,150,463 in used vehicle loans and $3,623,089 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used one, we've got you covered.

Business Loans

For business owners, our outstanding commercial loans totaling $272,639 provide the capital needed to grow and expand. We understand the challenges faced by small businesses and are committed to supporting local entrepreneurs through accessible financing options. If you're interested in refinancing or would like to know more about eligibility options for any of our products, feel free to reach out. Our team is ready to guide you through the application process and answer any questions you might have. 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 First Trust, we strive to provide clear information so you can make informed decisions about your financial future. Visit us today at 950 E Us Highway 20 Michigan City In 46360 or call us at (800) 276-6161 to learn more about how we can assist you with your lending needs!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,265,436, make buying or refinancing simple. We provide tailored solutions for various budgets and preferences so that you can find the right mortgage for your needs.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. This option is perfect for those who want to keep their purchasing power while maintaining control over their spending.

Loan Aggregator

Benefits of Using LendMesh

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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 means users can trust that the offers they see are fair and transparent. Each loan option presented is verified, allowing users to make confident choices without hidden surprises.

FIRST TRUST CREDIT UNION