Forest Area Credit Union Kingsley MI | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Forest Area, your trusted credit union located at 6966 Cougar Trl, Kingsley, MI 49649. Since our establishment in 1983, we've been dedicated to serving our community with reliable financial solutions tailored to meet your needs. With a thriving membership of over 20,143 individuals, we pride ourselves on being a cornerstone of support and trust for families and businesses alike. At Forest Area, we understand that every financial journey is unique. That's why we offer a diverse range of services, including personal banking options like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our total assets stand strong at $289,146,576, showcasing our commitment to financial stability and growth for our members. With total deposits amounting to $19,197,457 and a net worth of $34,616,047, you can rest assured that your money is in safe hands. Our leadership team is here for you! CEO Alex Lutke and Board President Lee Sandy are committed to fostering a welcoming environment where every member feels valued. Our dedicated staff of 69 employees work tirelessly to ensure your banking experience is smooth and efficient. While you're welcome to visit us at our physical location for all your banking needs, please note that official correspondence should be sent to our mailing address: PO Box 642, Kingsley, MI 49649. We invite you to explore the multitude of services we offer on our website at forestarea.com or give us a call at 231-263-3790. Whether you're looking for advice on loans or simply want to discuss your financial goals, we're here to help you navigate the path ahead. Join us today and become part of a community that prioritizes its members above all else!

Branch History & Mission

Community Commitment

Being part of Kingsley means being part of its vibrant community. We actively engage in outreach efforts that support local events and initiatives, reinforcing our belief that a strong community leads to strong members. Our partnerships with local organizations allow us to give back and contribute positively to the lives of those around us. As technology continues to advance, we remain committed to ensuring accessibility for all our members. Our branch features ADA-compliant facilities and offers digital advancements like online banking and e-statements, so you can manage your finances whenever you need.

Join Us

With total assets amounting to $289,146,576, Forest Area stands strong as a reliable partner in your financial journey. Whether you're looking for personal loans or business banking services, we invite you to explore what we offer. While members can visit us at 6966 Cougar Trl, official correspondence should be sent to PO Box 642, Kingsley, MI 49649 if different from our branch address. Come visit us during our operating hours Monday through Thursday from 8:30 AM to 5:00 PM, Friday until 5:30 PM, and Saturday from 9:00 AM to 1:00 PM and experience firsthand the benefits of being part of Forest Area. Call us at 231-263-3790 with any questions or just stop by! Join us today and be part of something special in Kingsley!

Our Mission

At Forest Area, our mission is clear: we are dedicated to providing exceptional financial services while fostering community growth and support. We believe in empowering our members through products that help them achieve their financial goals whether that's opening a checking account, securing an auto loan, or planning for retirement. We also understand that banking is more than just transactions; it's about relationships. Our team is here to listen to your needs and help you navigate your financial journey with personalized solutions. From online banking to mobile payments, we strive to make your experience as smooth as possible.

Branch Location & Accessibility

Get in Touch

If you have any questions or need assistance before your visit, feel free to call us at 231-263-3790. We look forward to welcoming you at Forest Area's Kingsley branch soon! Stop by today and discover how we can help support your financial journey!

Operating Hours

We understand that life can get busy, which is why we offer convenient operating hours to fit your schedule. Our lobby is open Monday through Thursday from 8:30 AM to 5:00 PM, Friday until 5:30 PM, and on Saturday mornings from 9:00 AM to 1:00 PM. Whether you prefer visiting during the week or over the weekend, we strive to accommodate your needs.

Parking & Accessibility Features

At our Kingsley branch, you'll find ample parking available right outside the building. Our parking area is well-lit and designed for easy access, including ramps for those who may need extra assistance.

Services & Amenities

At Forest Area in Kingsley, we pride ourselves on providing a wide range of services tailored to meet your banking needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered. Need cash on the go? Our ATM services are readily available for quick withdrawals and balance checks. Plus, enjoy the convenience of our drive-thru banking for simple transactions without leaving your vehicle. For those who require shared services with partner credit unions, we also offer basic shared branch transactions. This means you can conduct deposits and withdrawals even if you belong to another credit union! While you can easily visit us at our physical location in Kingsley, please note that official correspondence should be sent to our mailing address at PO Box 642, Kingsley, MI 49649.

Member Eligibility

At Forest Area, we're excited to welcome you into our community! Becoming a member is simple and rewarding, as we believe that everyone deserves access to quality financial services. To join us, you'll need to meet a few friendly eligibility criteria, which typically include living, working, or worshipping in our local area. This means that if you're part of the vibrant Kingsley community or nearby, you're likely eligible! For detailed information on what qualifies you for membership, feel free to check out our website at . Once you're ready to take the next step, opening an account with us is a breeze! We offer various personal banking services, including checking and savings accounts tailored just for you. Plus, our dedicated team is here to support you every step of the way. If you have any questions or want to learn more about becoming a member at Forest Area, don't hesitate to give us a call at (231) 263-3790. Your financial journey starts here at 6966 Cougar Trl Kingsley Mi 49649, where we look forward to serving you!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $192 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $18 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $16,550,512, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services that make transactions easier for your customers. Whether it's accepting credit cards or managing payroll, our solutions simplify daily operations. Picture the convenience of seamless payment processing that allows you to focus on what truly matters growing your business. Located at 6966 Cougar Trl Kingsley Mi 49649 in Kingsley, MI, we're here to partner with you every step of the way. Contact us at (231) 263-3790 to learn more about how we can help your business thrive!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Accessing cash when you need it shouldn't be difficult. Our ATMs are available for cash withdrawals and balance checks at convenient locations. Plus, our basic drive-thru banking allows for easy deposits and withdrawals without leaving your car.

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options make it simple to get behind the wheel. We provide competitive rates and flexible terms that can suit any budget, so you can drive away in the vehicle you want without breaking the bank.

Business Banking Services

For local business owners, we provide comprehensive business banking services including merchant services and business loans designed to help your business thrive. Whether you're starting out or expanding, we're committed to supporting your entrepreneurial journey.

Credit Cards with Rewards

For those who love to earn while they spend, our credit cards with rewards allow you to collect points on purchases that can be redeemed for travel, cash back, or gift cards. It's like getting rewarded for everyday spending!

Digital Banking Features

In today's fast-paced world, convenience is key. Our robust online and mobile banking platforms let you manage your accounts anytime, anywhere. Need to check your balance or transfer money? Simply log in from your smartphone or computer it's that easy!

Mortgage Loans & Refinancing

Owning a home is a dream for many, and at Forest Area, we offer mortgage loans and refinancing options that cater to first-time buyers as well as seasoned homeowners. Picture yourself settling into your dream home with the peace of mind that comes from knowing you have the right mortgage solution backing you up.

Personal Banking Solutions

We understand that banking should be easy and accessible. That's why at Forest Area, we offer personal banking services that include checking and savings accounts tailored to fit your lifestyle. Imagine having a checking account with no monthly fees and easy online access to manage your funds this is just one way we simplify your banking experience.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or looking to consolidate debt, our personal loans can provide the financial relief you need. With straightforward application processes and quick approvals, you can focus on what matters most without worrying about how you'll pay for it.

Shared Branch Transactions

If you're traveling or find yourself away from home, don't worry! We participate in shared branch transactions that enable deposits and withdrawals for partner credit union members. This means access to your funds is just around the corner no matter where life takes you. At Forest Area, located at 6966 Cougar Trl in Kingsley, MI 49649, we strive to make banking easy and accessible for all our members. If you're interested in learning more about our services or how we can help you achieve your financial goals, please give us a call at 231-263-3790. We look forward to serving you!

Digital & Online Banking

Key Features

Our online banking platform, accessible at http://www.forestarea.com , allows you to check balances, pay bills, and transfer funds 24/7. You can also sign documents electronically through our Electronic Signature Authorization feature, saving you time and making transactions smoother. Plus, we offer e-statements, so you can easily keep track of your accounts without the clutter of paper statements. If you're always on the move, you'll love our mobile application. It gives you access to all your account details right at your fingertips, allowing for quick and secure mobile payments. While person-to-person transfers are not available at this time, our mobile app still provides everything else you need for effective account management. With Forest Area, managing your money has never been easier or more secure. Our commitment to providing reliable digital banking options means that you can take care of your financial needs whenever it suits you best. Experience the freedom and flexibility of banking on your terms!

Financial Strength

Dedicated Team Ready to Serve You

We take pride in having 66 full-time employees and 3 part-time employees who are always ready to assist you with knowledgeable service. Our team is dedicated to making your banking experience as smooth as possible.

Lending Capacity That Supports You

Our capacity to lend is robust, with $3,202 in used auto loans and $186,654,664 in total loans and leases. This means we are well-equipped to assist you with various financial needs whether you're purchasing a car or looking for a personal loan.

Member-Centric Savings Options

Your savings are our priority. Members' funds are secured through $37,501,052 in share certificates and $57,452,590 in money market shares, offering stable and rewarding growth opportunities. Unlike traditional banks, we focus on our members first. With non-member deposits at $0, we ensure that our resources benefit you through better loan rates and exclusive perks.

Operational Efficiency

Our financial performance reflects our operational efficiency with a net income of $0. This allows us to keep offering competitive loan rates and solid financial products tailored for our members.

Reinvestment for Improvement

With $34,377,154 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment helps us support your financial goals effectively.

Solid Financial Health

With a net worth of $34,616,047, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,196 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trust Built on Transparency

Total Share Accounts stand at 45,175, showing a strong and growing member base that trusts us with their finances. We believe transparency is key to building long-lasting relationships with our members. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Forest Area is your trusted partner. Visit us at 6966 Cougar Trl Kingsley Mi 49649 or call (231) 263-3790 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $46,516,490 in used vehicle loans and $5,132,314 in new vehicle loans already helping members get on the road. We provide flexible terms to ensure that your monthly payments fit comfortably within your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $16,550,512 provide the capital needed to grow and expand. Whether you're looking for funds for equipment purchases or operational costs, our team is here to assist you in finding the right financing solution tailored to your business needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $20,774,084, make buying or refinancing simple. We aim to guide you through every step of the process so you can feel confident in your investment.

Refinancing Options

If you're considering refinancing any existing loans or mortgages, we are here to help evaluate your options and find competitive rates that can save you money over time. Our dedicated team is ready to assist you with eligibility requirements and any questions you may 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. To learn more about our loan offerings or get started today, feel free to contact us at 231-263-3790, or visit us at our branch located at 6966 Cougar Trl Kingsley Mi 49649. We're here to support your financial journey!

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $9,366,652 in loans helping members manage their finances effectively. This option provides the freedom to make purchases without collateral while enjoying competitive interest rates.

Loan Aggregator

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FOREST AREA FEDERAL CREDIT UNION - Kingsley, MI