Health Advantage Credit Union Midland MI | Affordable Auto Loans & Top Checking

Introduction

Welcome to Health Advantage, your trusted credit union located at 5004 Eastman Ave, Midland, MI 48640. Since opening our doors in 1970, we have been dedicated to serving our community with a personal touch that larger banks often overlook. With over 11,200 members and total assets exceeding $169 million, we pride ourselves on being a reliable financial partner for both individuals and businesses in the Midland area. At Health Advantage, we understand that everyone has unique financial needs. Whether you're looking for a new vehicle loan, mortgage options, or personal banking services, our experienced team is here to guide you every step of the way. Our commitment to exceptional service is reflected in our total loans of 10,397 and deposits reaching an impressive $6,044,373. Our branch is not just a place for transactions; it's where relationships are built. Under the leadership of our CEO, Laura Crase, and Board President, Thomas Hollerback, we focus on creating a supportive environment that empowers members to achieve their financial goals. Our team of 42 dedicated employees ensures that you receive personalized attention tailored to your needs. While members can visit us at our Midland branch for all their banking needs, official correspondence should be directed to our mailing address: PO Box 1314, Midland, MI 48641. As a member-owned credit union with a strong net worth of $21,773,570, we are committed to providing value back to our members through competitive rates and lower fees. Whether it's through our online services or in-person assistance during our lobby hours (Monday through Friday from 8 AM to 5 PM), we're always here for you. Explore more about what Health Advantage has to offer by visiting our website at healthadvantagecu.com or call us at 989-791-7070. Join us today and discover how we can help you achieve your financial dreams!

Branch History & Mission

Our Mission

Our mission is simple yet profound: to provide exceptional financial services while fostering community well-being. We believe that everyone deserves access to affordable financial solutions that empower them to achieve their goals. At Health Advantage, we strive to create lasting relationships with our members by offering tailored products and services that meet their unique needs. We are proud to offer a range of services including checking and savings accounts, auto loans, personal loans, and more. Our members benefit from convenient online banking options, mobile payments, and an accessible ATM network. We also have drive-thru service for quick transactions during our operating hours from Monday to Friday, 8 AM to 5 PM. As part of our commitment to the community, we actively participate in local events and initiatives that promote financial literacy and support those in need. We believe in giving back because when our community thrives, so do we. While members can visit us at 5004 Eastman Ave Midland Mi 48640, official correspondence should be sent to PO Box 1314, Midland, MI 48641 if needed. If you're looking for a credit union that prioritizes your financial well-being while being deeply rooted in community values, look no further than Health Advantage. Join us today and experience firsthand the benefits of being a member of Health Advantage! For more information about membership eligibility or to open an account online, visit Health Advantage's website. We look forward to welcoming you!

Branch Location & Accessibility

Accessibility Features

At our Midland Office, we prioritize accessibility for all our members. The branch is ADA compliant, featuring ramps and designated parking spaces to ensure that everyone can visit without any hassle. We also offer a friendly drive-thru service for quick transactions without leaving your vehicle.

Contact Us

Have questions or want more information? Feel free to give us a call at 989-791-7070. Our friendly staff is ready to assist you with anything you need. We look forward to welcoming you at our branch soon!

Operating Hours

We're here for you Monday through Friday from 8 AM to 5 PM. Our operating hours are designed to accommodate your busy schedule, allowing you to drop in before or after work with ease.

Services Available

At Health Advantage, we provide a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. Need cash on the go? Our ATM is available for your convenience, ensuring you can access funds whenever you need them. While members can visit us at 5004 Eastman Ave, official correspondence should be sent to PO Box 1314, Midland, MI 48641.

Member Eligibility

At Health Advantage, we believe that everyone deserves access to financial services tailored to their needs. Joining our community is simple and welcoming! If you live, work, or attend school in the Midland area, you are eligible to become a member. We are committed to providing a supportive environment where your financial goals can thrive. Our members enjoy various benefits, including competitive loan rates, personalized banking solutions, and friendly service from our dedicated team. To get started on your journey with us, check out the detailed eligibility criteria at http://healthadvantagecu.com/onlinemembership . When you're ready to open an account, just visit our online application page at https://ebanking.healthadvantagecu.com/loan-application/form . If you have any questions or need assistance, feel free to give us a call at (989) 791-7070. We look forward to welcoming you to the Health Advantage family at 5004 Eastman Ave Midland Mi 48640!

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 $88 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $56 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $16,597,582, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine being able to accept payments seamlessly at your storefront or online, giving your customers convenience while boosting your sales. Our solutions help streamline transactions, making it easier for you to focus on what matters most growing your business. Located at 5004 Eastman Ave Midland Mi 48640 in Midland, MI, we're here to partner with you on your journey. Connect with us today at (989) 791-7070 and let's explore how we can help your business reach its full potential!

Comprehensive List Of Services

ATM Access & Drive-Thru Services

We know that sometimes you just need quick access to cash or assistance with basic transactions. Our branch includes ATM services where you can withdraw cash or check balances efficiently. Additionally, our basic drive-thru banking allows you to complete deposits and withdrawals without leaving your car. At Health Advantage in Midland, MI, we pride ourselves on offering these essential services with a friendly smile. If you're ready to take the next step toward achieving your financial goals or simply want more information about what we can do for you, don't hesitate! Call us today at 989-791-7070, or visit us online at Health Advantage for more details on how we can assist you!

Business Banking Support

For our business members, we offer robust solutions like merchant services and business loans. We understand the unique challenges businesses face, and our team is here to help you grow with the right financial tools.

Convenient Online and Mobile Banking

In today's fast-paced world, convenience is key. Our online and mobile banking features give you access to your accounts anytime, anywhere. You can check balances, transfer funds, pay bills, and even deposit checks right from your phone!

Home Ownership Made Easy

Owning a home is a dream for many, and at Health Advantage, we strive to make that dream attainable. Our mortgage loans and refinancing services are tailored to fit different budgets and lifestyles. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, we have options that will work for you.

Personal Banking Solutions

Whether you're opening your first checking account or looking for ways to save for the future, our personal banking services cover all bases. We offer a variety of checking and savings accounts designed to help you manage your day-to-day expenses while saving for those special moments. If you're considering buying a car, our auto loans and vehicle financing options make it easy for you to get behind the wheel without stretching your budget.

Rewards with Credit Cards

If you're looking for a credit card that gives back, our credit cards with rewards program allows you to earn points on everyday purchases. It's an excellent way to enjoy benefits while managing your spending effectively.

Smart Personal Loans

Life can throw unexpected expenses your way. Our personal loans and debt consolidation options provide a flexible solution when you need extra cash. With competitive rates and easy application processes, we aim to lighten your financial load.

Digital & Online Banking

Key Features

Our services include e-statements for quick and eco-friendly access to your account statements. You'll never have to worry about paperwork piling up again! We also support electronic signature authorization, making it simple to sign documents securely without the hassle of printing and mailing. For those who prefer using their phones for payments, our mobile payments feature lets you make quick transactions at participating merchants without fumbling for cash or cards. You can also send money directly to friends and family through our person-to-person transfer service perfect for splitting bills or sending a thoughtful gift.

Security and Convenience

Security is a top priority at Health Advantage. Our online banking services are equipped with advanced security features to protect your information. Enjoy peace of mind knowing that your financial data is safe while you take advantage of convenient services designed for real-time account management. We believe banking should fit seamlessly into your lifestyle. With Health Advantage, you're not just banking; you're banking smart. Join us today and experience the convenience of modern banking at its best!

Financial Strength

Growing Member Base

Total Share Accounts stand at 23,114, showcasing a strong and growing member base that trusts us with their finances. With $57,702 available for lending and investments through net shares, we have the capacity to support even more members as they pursue their financial goals. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Health Advantage is your trusted partner. Visit us at 5004 Eastman Ave Midland Mi 48640 or call 989-791-7070 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is evident as reflected in our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 36 full-time employees and 6 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Reinvesting in Our Community

With $21,499,348 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; we have provided $16,662 in used auto loans and maintain a total of $107,449,977 in loans and leases to support your financial aspirations across various sectors.

Secure Savings Opportunities

Members' savings are secured through $30,747,202 in share certificates and $16,388,513 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.

Solid Financial Foundation

With a net worth of $21,773,570, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1284 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $19,959,723 in used vehicle loans and $4,644,806 in new vehicle loans already helping members get on the road. We also provide refinancing options to help you lower your monthly payments and save on interest.

Business Financing

For business owners, our outstanding commercial loans totaling $16,597,582 provide the capital needed to grow and expand. We offer various financing solutions designed to support your business goals while making the process straightforward and efficient. At Health Advantage located at 5004 Eastman Ave Midland Mi 48640, we aim to support all our members' financial needs. If you're interested in exploring any of these options or need assistance determining what's best for you, feel free to reach out at 989-791-7070. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us today and take the first step towards achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $3,077,558, make buying or refinancing simple. We know that every homeowner's journey is different, which is why we offer flexible eligibility options to ensure you find the right fit for your needs.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $5,507,511 in loans helping members manage their finances effectively. With competitive rates and no hidden fees, our credit cards are designed to give you peace of mind.

Loan Aggregator

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HEALTH ADVANTAGE FEDERAL CREDIT UNION - Midland, MI