Forest Area Credit Union Manton MI | Affordable Vehicle Loans & ATM Services

Introduction

At Forest Area, located at 314 W Main St, Manton, MI 49663, we believe in building strong financial futures for our members and the community. Established in 1983, our credit union has grown into a trusted partner for nearly 19,719 members who count on us for their banking needs. With total assets exceeding $272,504,142, we pride ourselves on delivering personalized service and innovative financial solutions tailored to each individual's goals. Our commitment goes beyond just numbers; we strive to create a positive impact within Manton and the surrounding areas. Whether you're looking for auto loans, personal banking services, or business financing options, we're here to help you navigate your financial journey confidently. Our dedicated team of 64 employees is led by CEO Alex Lutke and Board President Lee Sandy, who prioritize member satisfaction and community involvement. While you can visit us at our branch in Manton, please note that any official correspondence should be sent to our mailing address: PO Box 593, Manton, MI 49663. We invite you to explore the range of services we offer, from checking accounts and mortgages to credit cards with rewards and mobile banking solutions. If you're ready to take the next step towards achieving your financial dreams, give us a call at 231-824-3060 or visit our website at http://www.forestarea.com. Together, let's build a brighter financial future!

Branch History & Mission

Welcome to the heart of Manton, Michigan, where the story of Forest Area began in 1983. Since its opening, our branch has been a cornerstone of the community, dedicated to serving members with care and commitment. Located at 314 W Main St, Manton, MI 49663, our facility is not just a place for banking; it's a hub where relationships are built and dreams take flight. Over the years, Forest Area has grown alongside its members. Today, we proudly serve 19,719 members and manage total assets of $272,504,142. Our journey reflects a deep commitment to providing personalized financial services that empower individuals and families to achieve their financial goals. From auto loans to personal banking and business services, our offerings have expanded to meet the diverse needs of our community. At Forest Area, our mission is clear: to provide exceptional financial services while fostering a sense of belonging and support within the community. We believe in making banking accessible to everyone. With features like online banking, mobile payments, and an ATM on-site, we ensure that your banking experience is convenient and efficient. Additionally, our drive-thru service allows you to complete transactions with ease, respecting your time. Community outreach is at the core of what we do. We actively engage in local initiatives that uplift those around us, partnering with schools and organizations to make a positive impact in Manton. This commitment goes beyond financial transactions; it's about building a brighter future for everyone. While members can visit us at 314 W Main St, official correspondence should be sent to PO Box 593, Manton, MI 49663. Our doors are open Monday through Thursday from 8:30 AM - 5:00 PM, Friday until 5:30 PM, and Saturday from 9:00 AM - 1:00 PM. Whether you're stopping by for assistance or simply wanting to learn more about what we offer, our friendly staff is always ready to help. We invite you to become part of our growing family at Forest Area. Experience firsthand how we blend tradition with innovation in financial services while nurturing community spirit. Join us today and let's build your financial future together! For more information or inquiries, feel free to call us at 231-824-3060 or visit our website at forestarea.com.

Branch Location & Accessibility

Welcome to the Forest Area branch, your friendly neighborhood credit union located at 314 W Main St in Manton, MI! We're proud to serve our members in Wexford County and surrounding areas with convenience and care. Whether you need to deposit a check, apply for a loan, or simply ask a question, we're here for you. Our branch is easy to find, right near the heart of Manton. You'll find us close to local landmarks that make it a breeze to stop by while you're out and about. With ample parking available, visiting us is hassle-free, and we have accessibility features like ramps to ensure everyone can access our services comfortably. We understand that life gets busy, so we offer flexible operating hours for your convenience. Our lobby is open Monday through Thursday from 8:30 AM to 5:00 PM, and on Fridays until 5:30 PM. Need to swing by on Saturday? Our drive-thru is open from 9:00 AM to 1:00 PM, making it easy to take care of your banking needs even on weekends. At Forest Area, we offer a variety of services tailored just for you from personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing options. Plus, with our ATM available on-site and drive-thru banking for quick transactions, managing your finances has never been simpler. While members can visit us at our physical location, please note that official correspondence should be sent to PO Box 593 in Manton if you need to reach out by mail. If you have questions or want more information about how we can help you achieve your financial goals, don't hesitate to call us at 231-824-3060. We look forward to welcoming you into our community!

Member Eligibility

Becoming a member of Forest Area is like joining a caring community that puts your needs first. If you're looking to take advantage of our supportive services, you'll be happy to know that membership is open to anyone who lives, works, worships, or attends school in the Manton area. This means that whether you're a long-time resident or new to the community, you're welcome here! At Forest Area, we pride ourselves on offering personalized financial solutions that help you achieve your goals. With access to everything from checking and savings accounts to loans tailored just for you, it's easy to see why joining us can be such a beneficial move. To start your membership journey at Forest Area, simply visit us at our branch located at 314 W Main St Manton Mi 49663 or give us a call at (231) 824-3060 for more information. We're here to help every step of the way! For detailed eligibility criteria and updates. Joining is simple and rewarding let's build a brighter financial future together!

Business Banking & Commercial Services

Commercial Loans

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

In addition to loans, we offer comprehensive merchant services that empower you to manage payments efficiently. Imagine running your café or retail store without worrying about payment processing delays. Our solutions help you accept payments seamlessly, allowing you to focus on what matters most growing your business. Visit us at 314 W Main St Manton Mi 49663 in Manton, MI, or call us at (231) 824-3060 to learn more about how our business banking services can support your journey towards success!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash quickly? Our branch also offers comprehensive ATM & Cash Withdrawal Services, ensuring that you have easy access to your funds whenever necessary. Plus, take advantage of our drive-thru banking for quick deposits and withdrawals without leaving your vehicle. At Forest Area, we also support members from partner credit unions through shared branch transactions, allowing deposits and withdrawals even if you're away from home. Ready to explore how we can assist you further? Visit us at 314 W Main St Manton Mi 49663 in Manton, MI, or give us a call at (231) 824-3060. Our friendly staff is eager to answer any questions you may have about our services or assist you in opening an account today!

Auto Loans & Vehicle Financing

If you're thinking about buying a new car or refinancing your current vehicle, our Auto Loans & Vehicle Financing options are here to help. Picture driving off in your dream car with flexible terms and affordable rates that fit into your budget. We understand the importance of reliable transportation, and our team is ready to guide you through the financing process.

Business Banking Options

For small business owners, our Business Banking services offer everything from merchant services to business loans. We know how crucial it is for local businesses to thrive, which is why we provide tailored banking solutions that can grow alongside your enterprise.

Credit Cards with Benefits

Don't forget about our Credit Cards with Rewards! Enjoy the convenience of cashless transactions while earning rewards on everyday purchases. This is perfect for those who want to make their spending work for them.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why at Forest Area, we prioritize digital solutions. With features like Online & Mobile Banking, managing your finances has never been easier. You can check balances, transfer funds, and pay bills all from the comfort of your home or on-the-go via our mobile app.

Financial Flexibility with Personal Loans

Life can throw unexpected expenses your way, and our Personal Loans & Debt Consolidation solutions provide the flexibility you need to manage them effectively. Whether it's consolidating debt or funding a special project, our team will work with you to find a loan that meets your specific needs.

Home Ownership Made Easy

Thinking about purchasing a home? Our Mortgage Loans & Refinancing services make the process as smooth as possible. Whether it's your first home or an investment property, we offer competitive rates and personalized advice to help you find the right mortgage solution. With various refinancing options available, we can help you lower your monthly payments or access equity in your home.

Personal Banking Solutions

Managing your money should be straightforward. That's why we offer a variety of Personal Banking options, including checking and savings accounts that fit your lifestyle. Imagine having a checking account with no monthly fees that allows you to easily manage your spending while saving for future goals. Our savings accounts help you grow your funds with competitive interest rates, ensuring that every dollar works harder for you.

Digital & Online Banking

Accessibility and Ease of Use

Our digital banking options are not only secure but also designed for ease of use. You don't need to be tech-savvy; simply log in and navigate effortlessly through your account features. Real-time account management allows you to stay on top of your finances without the hassle of visiting the branch. At Forest Area, we aim to provide a banking experience that fits into your lifestyle seamlessly. Explore all these digital offerings today and take control of your financial journey with confidence!

Key Features

With 24/7 online banking services, you can check your balance, pay bills, and transfer funds at your own pace. Need to send money to a friend? Our person-to-person transfer feature allows you to do just that with just a few taps on your screen. Plus, if you prefer using a mobile application, we've got you covered with our user-friendly app that supports mobile payments. This means you can make quick purchases directly from your phone without needing cash or cards. Security is paramount in all our online services. We utilize electronic signature authorization, ensuring that your transactions are safe and secure. You can also choose to receive e-statements, giving you easy access to your financial statements while reducing paper clutter.

Financial Strength

At Forest 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. With a strong foundation built on transparency and trust, we ensure that your money is safe and working hard for you. With a net worth of $33,082,733, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.13% 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 $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 are focused on benefiting you through better loan rates, lower fees, and exclusive perks. 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 is robust; with $3,369 in used auto loans and $188,312,662 in total loans and leases, we support members' financial goals across various sectors. Our operational efficiency shines through with a reported $1,088,168, 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. Net Shares (Funds available for lending and investments): $846,301. Total Share and Deposit Accounts: 43,681, showing a strong and growing member base that trusts us with their finances. 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 314 W Main St Manton Mi 49663 or call (231) 824-3060 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

Additional Options

In addition to these offerings, we also provide personal loans and lines of credit with competitive interest rates. If you're unsure about eligibility or would like more information on our refinancing options, feel free to reach out to us at 231-824-3060 or visit our website at Forest Area. No matter what your financial needs may be, Forest Area is here to support you every step of the way!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $50,771,390 in used vehicle loans and $5,955,625 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have options that suit your budget and lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $15,987,574 provide the capital needed to grow and expand. Whether you're looking to invest in equipment or need working capital to manage daily operations, we've got you covered.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $8,985,288 in loans helping members manage their finances effectively. Our credit cards come with rewards and competitive rates to ensure you get the most out of your spending.

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, which can pave the way for your journey into homeownership. We also provide refinancing options to help you secure better rates or tap into your home's equity.

Loan Aggregator

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 ensures that every loan offer is fair and transparent. By using verified data, users can trust that they are getting authentic offers rather than misleading promotions.

Benefits of Using LendMesh

One of the key advantages of LendMesh is its commitment to transparency. There are no sponsored listings; lenders are not prioritized based on paid promotions. Instead, LendMesh focuses solely on providing unbiased results. Users benefit from real-time rate comparisons, which allow them to stay informed about the latest offerings from multiple institutions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials reflect the reliability and effectiveness of this tool. For those looking to find the best loan rates available today, compare real-time loan offers at LendMesh and discover options tailored to 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 FEDERAL CREDIT UNION - Manton, MI

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