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

Introduction

Welcome to Forest Area, your trusted financial partner located at 6966 Cougar Trl, Kingsley, MI 49649. Since our establishment in 1983, we have dedicated ourselves to serving our community with care and commitment. With over 19,700 members, we are proud to offer a range of services tailored to meet your personal and business banking needs. At Forest Area, we understand that financial decisions can be overwhelming. That's why our friendly team of 64 employees is here to guide you through every step. Whether you're looking for checking and savings accounts, auto loans, or even mortgage refinancing, we have the tools and expertise to help you succeed. Our total assets currently stand at an impressive $272,504,142, reflecting our solid foundation and reliability. When you choose us, you're not just getting a bank; you're joining a family that cares about your financial well-being. Our CEO, Alex Lutke, along with Board President Lee Sandy, lead our organization with integrity and a focus on member satisfaction. While members can visit us at our branch for all their banking needs, official correspondence should be sent to our mailing address: PO Box 642, Kingsley, MI 49649. With total deposits reaching $17,883,360 and net worth of $33,082,733, we ensure that your money is safe and working for you. Plus, with more than 11,632 loans issued, we're here to support your dreams big or small. Ready to take the next step? Visit us online at forestarea.com or give us a call at 231-263-3790 today! Your financial journey starts here at Forest Area Credit Union.

Branch History & Mission

A Legacy of Growth

From our humble beginnings, Forest Area has evolved significantly over the decades. We started as a small credit union focused on meeting the needs of our community, and today, we stand proud with enhanced services that cater to personal and business banking alike. Our journey is marked by milestones that reflect our dedication to innovation and member satisfaction. As we expanded our offerings ranging from checking and savings accounts to auto loans and mortgages we embraced technology to enhance accessibility. Our members enjoy features such as online banking, mobile payments, and e-statements, ensuring they can manage their finances easily and securely from anywhere.

Community Connections

Our branch not only provides essential banking services but also fosters partnerships with local organizations to give back to Kingsley. Through various community events and sponsorships, we aim to make a positive impact on those we serve. If you're looking for a credit union that puts people first, look no further than Forest Area. Join us today and experience how we can help you thrive financially while making a difference in our community. For more information about membership or services, feel free to reach out at 231-263-3790 or visit us online at forestarea.com. Together, let's build a brighter future!

Our Mission

At Forest Area, our mission is clear: to provide exceptional financial services that help our members achieve their goals while supporting the community around us. We believe in empowering individuals through education and financial literacy initiatives. Our commitment extends beyond banking; we actively participate in local outreach programs that uplift families and strengthen neighborhoods. We take pride in being more than just a financial institution; we're a partner in your journey toward financial wellness. Whether you're looking for a reliable place to save or seeking assistance with business financing, our team is here to guide you every step of the way. While members can visit us at 6966 Cougar Trl, official correspondence should be sent to PO Box 642, Kingsley, MI 49649.

Branch Location & Accessibility

Finding Us

Our branch is easily accessible and designed with your convenience in mind. We offer ample parking for those visiting us in person, ensuring that you can quickly get in and out. Plus, we're proud to be ADA-compliant, featuring ramps and other accessibility options to make sure everyone can reach us without hassle. While members can visit us at 6966 Cougar Trl, official correspondence should be sent to our mailing address: PO Box 642, Kingsley, MI 49649.

Get in Touch

Ready to experience convenient banking? Give us a call at 231-263-3790 or visit us today at Forest Area! We're excited to serve you and help you achieve your financial goals right here in Kingsley.

Operating Hours

We know that life can get busy! That's why our lobby hours are designed to fit your schedule. You can visit us 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. Our drive-thru service is also available during these times for those who prefer quick transactions without leaving their vehicles.

Services Offered

At Forest Area, we take pride in offering a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Need help with business banking? We provide merchant services and business loans too! And don't forget about our online and mobile banking solutions that let you manage your finances anytime, anywhere. With an ATM on-site for cash withdrawals and balance checks, as well as shared service center access for partner credit union members, we strive to make your banking experience seamless.

Member Eligibility

Becoming a member of Forest Area is like joining a warm, welcoming family that's dedicated to supporting your financial journey. To be eligible, you'll find that it's quite easy! If you live, work, worship, or attend school in the area around 6966 Cougar Trl Kingsley Mi 49649, you're already on the right track. We believe that everyone deserves access to quality financial services, which is why our membership is open to a diverse range of individuals in our community. Plus, when you join Forest Area, you're not just gaining access to great banking options; you're also becoming part of a cooperative that prioritizes your needs and well-being. Opening an account with us is straightforward and hassle-free. You can learn more about the specific eligibility criteria by visiting our website at . Should you have any questions or need assistance, feel free to reach out at (231) 263-3790. We're here to help every step of the way!

Business Banking & Commercial Services

Business Loan Options

Imagine having the financial support you need to take your business to the next level. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $175 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $17 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $15,987,574, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

But it doesn't stop there. Our merchant services streamline transactions so you can focus on what matters most growing your business. From accepting payments quickly to managing your cash flow efficiently, we provide practical tools that make everyday operations smoother. Located at 6966 Cougar Trl Kingsley Mi 49649 in Kingsley, MI, we invite you to explore how our tailored solutions can support your business goals. Reach out at (231) 263-3790 to learn more!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

For quick access to cash, our ATM services are available at multiple locations. Plus, with basic drive-thru banking options for deposits, withdrawals, and simple transactions, you can handle your banking needs efficiently without leaving your car.

Business Banking

For local businesses, we offer comprehensive business banking solutions including merchant services and business loans. We understand the unique challenges entrepreneurs face, and we're committed to providing support that helps your business thrive.

Credit Cards

With our credit cards featuring rewards, you can earn points on purchases you already make! Enjoy benefits that add value to your spending while helping you build credit.

Loans and Financing

Thinking about buying a car? Our auto loans and vehicle financing are structured to get you on the road quickly without breaking the bank. For those considering home ownership, we provide mortgage loans and refinancing options tailored to suit your financial situation. Have unexpected expenses? Our personal loans and debt consolidation services can help ease your financial burdens.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services. Check balances, transfer funds, or pay bills from anywhere right from your smartphone or computer. With features like person-to-person payments and e-statements, managing your money has never been easier.

Personal Banking

Our personal banking options include checking and savings accounts designed to fit your lifestyle. Need a safe place for your money? Our savings accounts offer competitive rates to help your funds grow. If you're looking for everyday banking convenience, our checking accounts come with user-friendly features that make managing your finances a breeze.

Shared Branch Transactions

If you're a member of a partner credit union, you'll appreciate our shared branch transactions that allow deposits and withdrawals through our network. It's all about making banking accessible for everyone in our community. At Forest Area Credit Union in Kingsley, MI, we pride ourselves on being more than just a financial institution; we are a community partner dedicated to helping our members achieve their financial goals. Explore all these services today by visiting us or calling 231-263-3790! Let us support you on your journey toward financial success!

Digital & Online Banking

Accessibility and Ease of Use

Navigating through our online banking platform is user-friendly, so you'll find it easy to manage your accounts in real time. Whether you're checking your balance or reviewing transactions, everything is just a click away. At Forest Area, we're committed to providing accessible banking solutions that fit into your lifestyle. Experience the freedom of digital banking with us today!

Key Features

One of the standout features is our mobile application, which allows you to check balances, make payments, and even deposit checks right from your phone. Plus, if you're on the go, our mobile payments feature means you can easily make purchases without reaching for your wallet. We also prioritize security with electronic signature authorization, making it easier for you to complete transactions confidently. If you're looking to manage your statements digitally, our e-statements service ensures you have quick access to your financial records while keeping them safe from clutter. Need to send money to friends or family? Our person-to-person transfer service allows you to send funds quickly and securely, giving you peace of mind knowing that help is just a few taps away.

Financial Strength

Commitment to Growth

With $32,843,840 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 $3,369 in used auto loans and $188,312,662 in total loans and leases.

Operational Efficiency

Our operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 62 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $33,545,694 in share certificates and $45,613,702 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $2,047,432, we ensure that our resources focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $33,082,733, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,213 demonstrates a solid capital foundation. This ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trustworthy Member Base

Total Share and Deposit Accounts stand at 43,681, showcasing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $846,301 further solidify our commitment to ensuring you have access to the funds you need when you need them. 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.

Loan Offering

Additional Services

We also offer refinancing options for many of our loan products. If you're interested in improving your current loan conditions or exploring eligibility options for our various offerings, don't hesitate to reach out. If you have questions or want more details about our loan products, please contact us at (231) 263-3790 or visit us at 6966 Cougar Trl Kingsley MI 49649. 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 Forest Area, we're committed to providing the support and resources you need to succeed financially!

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry. We have already issued $50,771,390 in used vehicle loans and $5,955,625 in new vehicle loans, making it easier for our members to hit the road in style and comfort. Whether you're purchasing a brand-new model or a reliable pre-owned vehicle, our flexible terms can fit your budget.

Business Loans

For business owners looking to expand, we provide outstanding commercial loans totaling $15,987,574. This capital can be crucial for growing your business and seizing new opportunities.

Credit Card Loans

Managing everyday expenses is easy with our unsecured credit card loans. We currently have $8,985,288 in these loans helping members manage their finances effectively. With flexible terms and competitive interest rates, you can enjoy peace of mind while making purchases.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $20,073,457, ensuring that your path to owning a home is straightforward and achievable.

Loan Aggregator

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 approach guarantees that users receive fair and transparent offers. By focusing on verified data, LendMesh helps individuals make informed choices without the confusion often associated with comparing loans.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results that truly reflect current market conditions. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, allowing them to make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights how LendMesh can positively impact financial decisions. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Forest Area