Flagship Community Credit Union Harbor Beach MI | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Flagship Community, your trusted credit union located at 727 Trescott St, Harbor Beach, MI 48441. Established in 1959, we have been dedicated to serving our members for over six decades. With a growing community of 3,528 members, we pride ourselves on offering personalized financial solutions tailored to meet your needs. At Flagship Community, we understand that financial health is essential for building a secure future. That's why we manage over $35,107,993 in total assets and have provided more than 1,221 loans to help our members achieve their goals. Our commitment to you doesn't stop at lending; we've also secured $2,086,241 in total deposits your savings are safe with us. Our leadership team is here to guide you every step of the way. Under the guidance of our CEO, Steven Scandalito, and Board President, Albert O'Dell, we strive to create a welcoming environment where everyone feels valued. Whether you're looking for personal banking options or business services, our knowledgeable staff is ready to assist you. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to 727 Trescott St, Harbor Beach, MI 48441-1321. You can reach us by phone at 989-479-3357, or explore more about our offerings online at flagship.org. Join us as we continue to make a positive impact in our community and help you achieve your financial dreams! We invite you to stop by or give us a call today we're here for you!

Branch History & Mission

Welcome to the Flagship Community in Harbor Beach, Michigan! Since opening our doors in 1959, we have been dedicated to serving our members and the community with a focus on financial well-being and support. Nestled at 727 Trescott St, our branch has become a trusted resource for families and businesses alike, promoting financial health through accessible services and personal connections. Over the years, we have grown significantly, now proudly boasting over 3,528 members and total assets amounting to $35,107,993. This growth reflects our commitment to providing exceptional service tailored to the needs of those we serve. Our mission is simple yet profound: to empower our members by offering a range of financial products while fostering a sense of community and mutual support. At Flagship Community, we believe that banking should be about more than just transactions; it should be about building relationships. Our team works diligently to ensure that every member feels valued and understood. We offer various services including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking solutions. Additionally, we provide convenient online and mobile banking options so you can manage your finances anytime, anywhere. Our headquarters is located in Port Huron, MI, but our roots are deeply embedded in Harbor Beach. We take pride in being actively involved in local initiatives and outreach programs that make a difference in people's lives. Whether it's supporting local events or partnering with organizations for community service projects, we aim to uplift those around us. While members can visit us at 727 Trescott St, official correspondence should be sent to 727 Trescott St, Harbor Beach, MI 48441-1321. If you need assistance or have questions about our services, don't hesitate to reach out at (989) 479-3357 during our lobby hours from 9:30 AM to 4:00 PM on weekdays. As we continue to evolve with technology offering features like online banking and person-to-person payment options we remain grounded in our core values of service excellence and community support. We invite you to join us at Flagship Community Credit Union and experience firsthand how we can help you achieve your financial goals while being part of a caring community. Let's grow together! Visit us today or explore more about membership benefits at our website.

Branch Location & Accessibility

Accessibility Features

At Flagship Community, we ensure that everyone can visit us with ease. Our branch is ADA compliant, featuring ramps and spacious entrances to accommodate all members. Ample parking is available right outside, making it simple for you to stop by for any of your banking needs.

Contact Us

If you have any questions or would like more information about what we offer at Flagship Community, don't hesitate to give us a call at 989-479-3357. We look forward to welcoming you into our branch soon! Remember, while members can visit us at 727 Trescott St, official correspondence should be sent to the same address. Your financial journey starts here!

Operating Hours

We know that life can get busy, which is why we offer convenient lobby hours from 9:30 AM to 4:00 PM, Monday through Friday. Whether you need assistance with personal banking, auto loans, or mortgage refinancing, our dedicated team is here to help during these hours.

Services Offered

As a member of Flagship Community, you have access to a variety of services designed to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we strive to provide everything you need under one roof. Plus, if you're a member of another partner credit union, feel free to take advantage of our shared service center for basic transactions like deposits and withdrawals. For those on the go, our ATM services are available for quick cash withdrawals and balance checks. While we don't currently have drive-thru banking options, we encourage you to step inside and experience our personalized service firsthand.

Member Eligibility

At Flagship Community, we believe that joining our community is more than just opening an account it's about becoming part of a supportive family that truly cares for you. If you're looking to become a member, the process is simple and welcoming. Our eligibility criteria are designed to include a wide range of individuals who live, work, or worship in our local area. You may also qualify through family connections! For more details on these criteria, feel free to check out our website at http://www.flagship.org/about-us/membership. Once you're ready to take the next step, opening an account with us is easy. You can begin your journey toward membership by visiting us online at http://www.flagship.org/loans-and-credit-cards/loan-application or calling us directly at (989) 479-3357. Located at 727 Trescott St Harbor Beach Mi 48441, we're excited to help you unlock the benefits that come with being part of Flagship Community.

Business Banking & Commercial Services

Business Loans That Make a Difference

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $22 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $2,151,294, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Empower You

In addition to loans, our merchant services simplify how you manage transactions. Picture processing payments effortlessly through a secure platform that gives you peace of mind while focusing on what matters most running your business. Whether it's handling credit card payments or streamlining cash flow, we provide the tools you need for success. Visit us at 727 Trescott St Harbor Beach Mi 48441 in Harbor Beach, MI, or give us a call at (989) 479-3357 to explore how our services can support your business goals. Together, let's pave the way for your success!

Comprehensive List Of Services

Convenience at Your Fingertips

At Flagship Community, we understand that life is busy. That's why we offer basic shared branch transactions, allowing partner credit union members to make deposits and withdrawals with ease. Our commitment extends beyond traditional banking; we're focused on providing accessible financial tools that fit into your daily life. If you're ready to explore how we can support your financial journey or have any questions about our services, feel free to reach out at (989) 479-3357 or visit us online at Harbor Beach Office. We look forward to serving you!

Financing Your Dreams

When it comes to financing, we provide various options such as Auto Loans & Vehicle Financing that make purchasing your next car simple and stress-free. Whether you're eyeing a new ride or considering a used vehicle, our competitive rates can help get you behind the wheel quickly. For those looking to buy a home, our Mortgage Loans & Refinancing services offer flexible terms and competitive rates tailored just for you.

Personal Banking Made Easy

Our Personal Banking services include checking and savings accounts tailored to fit your lifestyle. Imagine easily accessing your funds anytime through our Online & Mobile Banking platforms. This allows you to check balances, pay bills, and transfer money right from your smartphone. We also offer ATM & Cash Withdrawal Services, so you can access your cash conveniently whenever you need it.

Rewards That Matter

Don't forget about our Credit Cards with Rewards program! These cards not only give you the purchasing power you need but also earn rewards on everyday spending. Imagine using these rewards for something special down the line like a family vacation or that gadget you've had your eye on!

Support When You Need It

In addition to personal loans for everyday needs, our Personal Loans & Debt Consolidation options can assist you in managing existing debts or making significant purchases without the burden of high-interest rates. And if you're planning for business growth, our Business Banking solutions include merchant services and business loans to help entrepreneurs thrive.

Digital & Online Banking

Convenient Online Banking

Our online banking platform at https://www.flagship.org/ allows you to check balances, pay bills, and transfer money in just a few clicks. Whether you're at home or on the go, managing your finances is now simpler than ever. Plus, our person-to-person transfer feature makes sending money to friends or family quick and hassle-free.

Enhanced Security

Your security is our top priority. While we do not currently support electronic signature authorization, rest assured that we take every precaution to protect your personal information during online transactions. Our system employs advanced security measures so you can feel confident when using our services.

Flexible Account Management

With e-statements available, you can easily track your spending without the clutter of paper. This feature not only helps the environment but also allows you to stay organized and informed about your financial health. In summary, Flagship Community is committed to providing accessible and efficient digital banking solutions. Explore all our online services today by visiting https://www.flagship.org/, and experience how easy banking can be!

User-Friendly Mobile Application

For those who prefer to bank on their mobile devices, our user-friendly mobile application is available for download. It gives you all the tools you need right at your fingertips check balances, deposit checks, and even view e-statements whenever you need them. No more waiting for paper statements; enjoy instant access to your financial information!

Financial Strength

At Flagship Community, 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 that you want to feel secure in your financial choices, and we are here to provide that assurance. With a net worth of $3,368,228, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.59% 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 $2,276,899 in share certificates and $6,817,681 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 $1,579,948 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 members' financial goals across various sectors with $4,026 in used auto loans and a total of $18,548,751 in loans and leases. Our operational efficiency is reflected in our net income of $234,064, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 8 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Net Shares (Funds available for lending and investments): $0. Total Share and Deposit Accounts: 5,436, showing a strong and growing 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, Flagship Community is your trusted partner. Visit us at 727 Trescott St Harbor Beach Mi 48441 or call 989-479-3357 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Support

If you're considering refinancing or exploring eligibility options for any of our loan products, our friendly staff is available to guide you through the process. You can reach us at 989-479-3357 or visit us at our branch located at 727 Trescott St, Harbor Beach, MI 48441. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how Flagship Community can help you navigate your financial journey today!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $5,016,247 in used vehicle loans and $860,509 in new vehicle loans already helping members get on the road. Whether you're interested in a new or used vehicle, our financing solutions can fit your budget while making it easy to drive away with your dream ride.

Business Financing

For business owners, our outstanding commercial loans totaling $2,151,294 provide the capital needed to grow and expand your business. Our team is here to support you with financing solutions tailored to your specific needs.

Mortgage Options

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $1,526,446, making buying or refinancing simple. We provide competitive rates and flexible terms to help you secure the home you've always wanted.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $371,696 in loans helping members manage their finances effectively. These cards can be an excellent tool for daily purchases and building your credit score without the need for collateral.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures 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), ensuring fair and transparent offers. By relying on verified sources, LendMesh guarantees that users receive accurate information to make informed decisions.