Forest Area Credit Union Mesick MI | Affordable Vehicle Loans & ATM Access

Introduction

Welcome to Forest Area, your trusted credit union located at 101 Mesick Ave, Mesick, MI 49668. Since our establishment in 1983, we have proudly served a growing community of over 19,719 members. Our mission is to provide personalized financial services that help you thrive, whether you're looking for a new auto loan or a secure savings account. At Forest Area, we understand the importance of having a solid financial partner by your side. With total assets amounting to $272,504,142 and total deposits of $17,883,360, we are equipped to meet your needs with confidence. Our dedicated team of 64 employees, led by CEO Alex Lutke and Board President Lee Sandy, is committed to ensuring that each member receives the support they deserve. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: P.O. Box 85, Mesick, MI 49668. We invite you to explore our wide range of services including personal loans, mortgage refinancing, and online banking designed to make managing your finances easier. Join us in experiencing the benefits of being part of a community-focused credit union that truly values its members. For more information or assistance, feel free to call us at 231-879-4154 or visit our website at forestarea.com. Your journey towards better financial health starts here!

Branch History & Mission

A Legacy of Service

Located at 101 Mesick Ave, we are more than just a financial institution; we are a part of your community. Our branch is easily accessible and is surrounded by the warm spirit of Mesick. Whether you're visiting us for personal banking or business services, you'll find that our team is dedicated to providing you with a welcoming experience. While members can visit us at 101 Mesick Ave, official correspondence should be sent to P.O. Box 85, Mesick, MI 49668. We understand that communication is key, and we want to ensure you can reach us easily.

Customer-Centric Approach

As technology evolves, so do we. At Forest Area, we prioritize digital advancements while ensuring accessibility for everyone. Our online banking platform offers convenience right at your fingertips check balances, transfer funds, or apply for loans from anywhere. Additionally, with ADA compliance in mind, we strive to create an inclusive environment for all members. Our branch features drive-thru banking for those on-the-go and shared service center options for added convenience with partner credit unions. And yes, there's an ATM available so you can access your funds whenever you need them!

Join Us

We invite you to become part of the Forest Area family! Experience firsthand how we're not just about transactions but about building relationships within our community. Whether you're looking for personal banking solutions or business support, we're here for you. For any inquiries or assistance, please don't hesitate to call us at 231-879-4154 during our operating hours: M-Th from 8:30 AM - 5:00 PM, Friday until 5:30 PM, and Saturday from 9:00 AM - 1:00 PM. Discover how Forest Area can help you achieve your financial goals while being part of something bigger your community!

Our Mission

At Forest Area, our mission is straightforward yet powerful: to provide exceptional financial services while supporting the community we cherish. We believe that every member deserves access to quality banking solutions tailored to their unique needs. From checking and savings accounts to auto loans and mortgages, our offerings are designed with you in mind. We are also proud of our commitment to community outreach. Through various partnerships and initiatives, we aim to make a positive impact beyond banking. This includes supporting local events and organizations that contribute to the well-being of our neighborhoods.

Branch Location & Accessibility

Convenient Access

Nestled near local landmarks, our branch is a short drive from the beautiful Manistee National Forest and just a stone's throw away from downtown Mesick. You'll appreciate the ample parking available, ensuring that your visit is hassle-free. Plus, we are proud to be ADA compliant, featuring ramps and accessible entrances to accommodate all members of our community.

Operating Hours

We understand that life can be busy, which is why our operating hours are designed to fit your schedule. Join us Monday through Thursday from 8:30 AM to 5:00 PM, Friday until 5:30 PM, and on Saturday from 9:00 AM to 1:00 PM. Our friendly staff is always ready to assist you during these hours.

Services Offered

At Forest Area Credit Union, we offer a variety of services tailored to meet your banking needs. From personal checking and savings accounts to auto loans and mortgages, we have options for everyone. Our drive-thru service allows for quick transactions without leaving your vehicle, while our ATM availability ensures you can access cash whenever you need it. We also provide shared service center transactions for members of partner credit unions. If you need assistance or have questions, don't hesitate to give us a call at 231-879-4154. We're here to help! While members can visit us at 101 Mesick Ave for all their banking needs, please note that official correspondence should be sent to P.O. Box 85, Mesick, MI 49668 if necessary. We invite you to stop by and experience the friendly service that makes Forest Area Credit Union more than just a bank it's a community partner dedicated to helping you achieve your financial goals!

Member Eligibility

At Forest Area, we believe that everyone deserves a place in our welcoming community, and becoming a member is easier than you might think! If you live, work, worship, or attend school in the Mesick area, you're already on your way to joining us. We aim to make banking accessible for all, so whether you're looking for a checking account, savings options, or loans, we've got you covered. Our team is here to support you every step of the way. Ready to start your journey with us? You can find more details about membership eligibility by visiting this link. If you're eager to open an account, feel free to reach out at (231) 879-4154 or come visit us at 101 Mesick Ave Mesick Mi 49668. We're excited to welcome you into our family!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine being able to accept payments easily from your customers while managing your cash flow more effectively. Our merchant services help you do just that. From seamless payment processing to online invoicing, we provide tools that fit your business needs, so you can focus on what you do best running your business. Located at 101 Mesick Ave Mesick Mi 49668 in Mesick, MI, we are here to partner with you every step of the way. For more information about how our business banking and commercial services can empower your success, call us at (231) 879-4154 or visit our website at http://www.forestarea.com.

Tailored Loan Options

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.

Comprehensive List Of Services

Business Banking Solutions

For entrepreneurs and business owners in Mesick, our Business Banking services provide essential tools to help you thrive. From Merchant Services that streamline transactions to flexible Business Loans, we aim to support local businesses in achieving their goals.

Convenient Access Anytime

Our branch at 101 Mesick Ave offers more than just traditional banking services; we also provide an ATM for quick cash withdrawals and basic drive-thru banking for deposits and simple transactions. If you're part of a partner credit union, take advantage of our Basic Shared Branch Transactions, where you can deposit or withdraw funds seamlessly.

Financing Your Dreams

If you're in the market for a new car or need funds for a special project, look no further than our Auto Loans & Vehicle Financing options. We offer competitive rates that can help make your dream vehicle more affordable. Additionally, our Mortgage Loans & Refinancing services can assist you in purchasing a home or refinancing your current mortgage to better suit your financial goals.

Get in Touch with Us!

Located conveniently in Mesick, MI, we invite you to visit us at our branch or call us at 231-879-4154 for any inquiries regarding our services. We're open 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. At Forest Area, we're committed to helping you achieve financial success with a personal touch. Explore all that we have to offer by visiting us online at forestarea.com today!

Personal Banking Made Easy

We understand that managing your personal finances can be challenging. That's why our Personal Banking options include checking and savings accounts tailored to fit various lifestyles. You can access your account anytime through our Online & Mobile Banking services, which allow you to check balances, make transfers, and pay bills from the comfort of your home or on the go. Plus, with features like e-statements and electronic signature authentication, banking with us is not only convenient but also secure.

Support for Your Financial Needs

When life throws you curveballs, our Personal Loans & Debt Consolidation services are here to help you regain control over your finances. Whether you need funds for unexpected expenses or want to consolidate high-interest debt into one manageable payment, we've got solutions tailored for you.

Digital & Online Banking

Key Features

Our online banking platform lets you perform essential transactions like checking balances, paying bills, and transferring money with just a few clicks. Plus, with our mobile application, you have all these features right at your fingertips. Whether you're out shopping or relaxing at home, managing your finances is as simple as tapping on your phone. For those who prefer a more personal touch, our person-to-person transfer feature allows you to send money directly to friends or family in an instant no need for cash or checks! And if you're looking to go green, we offer e-statements that keep all your financial records organized and easily accessible without the clutter of paper.

Security and Convenience

We take your security seriously. Our electronic signature authorization ensures that all transactions are verified and secure, giving you peace of mind while banking online. You can trust that your information is safe with us. With our mobile payments feature, making purchases has never been easier. Just link your account to your preferred payment app and enjoy quick transactions wherever you are. In today's fast-paced world, having flexible banking options is crucial. At Forest Area, we're committed to providing user-friendly solutions that help you manage your finances efficiently and securely. Explore our services today at http://www.forestarea.com and experience the convenience of modern banking tailored just for you!

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. We are proud to share our robust financial standing, which reflects our commitment to serving you with reliability and trust. 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 further supported by $3,369 in used auto loans and $188,312,662 in total loans and leases, helping our members achieve their financial goals across various sectors. Our operational efficiency is highlighted by our $1,088,168, enabling 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 who are always ready to serve you with a knowledgeable and 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. 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, Forest Area is your trusted partner. Visit us at 101 Mesick Ave Mesick Mi 49668 or call (231) 879-4154 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer 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, helping members get on the road with confidence. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, our team is here to guide you through the process.

Business Loans

For business owners seeking growth opportunities, our outstanding commercial loans totaling $15,987,574 provide essential capital for expansion and development. We understand the unique challenges businesses face and are committed to supporting local entrepreneurs.

Credit Lines

Our flexible credit lines allow you to access funds whenever you need them. With a total of $35,411,372 in credit lines available, you can enjoy peace of mind knowing that financial support is just a request away. At Forest Area located at 101 Mesick Ave in Mesick, MI 49668, we're dedicated to helping our community thrive financially. If you're interested in any of these loan products or want more information about eligibility and refinancing options available for each product, don't hesitate to reach out at 231-879-4154. 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 your options today and see how we can assist you on your financial journey!

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, tailored to fit your budget and lifestyle. Our refinancing options allow you to take advantage of lower rates or adjust your loan terms for greater flexibility.

Unsecured Credit Card Loans

For those looking for more flexible spending options, we also provide unsecured credit card loans with a total of $8,985,288 available. These loans can help manage finances effectively while offering rewards on purchases. They come with competitive interest rates and no collateral requirements.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a clear focus on transparency and reliability, LendMesh is designed to help users navigate the often complex world of loans. LendMesh ensures accurate loan comparisons by sourcing data 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 commitment to using verified data means that users can trust the offers they see are fair and transparent. One of the key benefits of using LendMesh is its emphasis on verified data. Loan offers are sourced only from legitimate financial institutions, ensuring that users receive trustworthy information. Additionally, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. Instead, the focus remains on providing unbiased results that empower users to make informed decisions. LendMesh also provides real-time rate comparisons from multiple institutions. This feature allows users to stay updated on current loan rates and select options that best meet their financial needs. 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!" If you are looking for an easy way to compare loan offers without worrying about hidden agendas or biased information, LendMesh is your go-to resource. 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 FEDERAL CREDIT UNION - Mesick, MI

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