Health Advantage Credit Union Saginaw MI | Basic ATM & Drive-Thru Banking

Introduction

At Health Advantage, located at 1430 N Michigan Ave, Saginaw, MI 48602, we believe in fostering a strong sense of community and trust among our members. Established in 1970, we have proudly served over 11,213 members, helping them achieve their financial goals while providing personalized service that truly makes a difference. Our commitment to you goes beyond just banking; it's about building relationships that last. With total assets of $169,269,248 and deposits amounting to $6,044,373, we are equipped to offer a range of financial solutions tailored to meet your needs. Whether you're looking for loans, savings accounts, or expert financial advice, we've got you covered. Led by our dedicated CEO, Laura Crase, and Board President Thomas Hollerback, our team of 42 employees is here to support you every step of the way. We understand that your financial journey is unique, and we strive to provide services that resonate with your individual circumstances. While members can visit us at the above address for all their banking needs, official correspondence should be sent to our mailing address: 4550 STATE ST, SAGINAW, MI 48603. We invite you to explore our website at healthadvantagecu.com for more information on our offerings and how we can help you succeed financially. Let us be your trusted partner in achieving financial wellness call us today at 989-791-7070 or drop by during our operating hours: Monday, Tuesday & Thursday from 8:30 AM - 5:00 PM; Wednesday from 9:00 AM - 5:00 PM; and Friday from 7:00 AM - 6:00 PM. Join the Health Advantage family today!

Branch History & Mission

Community Engagement

Our commitment extends beyond financial services. We actively engage in various community outreach initiatives aimed at supporting local causes and organizations. We believe in giving back because a strong community creates strong members. Whether it's sponsoring local events or partnering with schools for financial literacy programs, Health Advantage is dedicated to making a positive impact in Saginaw.

Modern Banking Solutions

To meet the evolving needs of our members, we've embraced modern banking solutions while maintaining accessibility for everyone. Our branch features an ATM for quick transactions and basic drive-thru banking services for deposits and withdrawals. Digital advancements like online banking and mobile payments ensure that members can manage their finances conveniently from anywhere. While you can visit us at 1430 N Michigan Ave, official correspondence should be sent to 4550 STATE ST, SAGINAW, MI 48603 if needed. As we look forward to the future, we invite you to join Health Advantage Credit Union. Experience firsthand how we can help you achieve your financial goals while being part of a caring community focused on mutual growth and support. Visit us today or call us at 989-791-7070 we're excited to serve you!

Our Mission

At Health Advantage, our mission is straightforward: to enhance the financial well-being of our members while fostering a sense of community. We strive to provide a range of financial products tailored to meet the diverse needs of individuals and families alike. From personal loans and credit cards to savings accounts and educational resources, we aim to empower our members with the tools they need for success. We understand that banking goes beyond just transactions; it's about building relationships. That's why we focus on customer service that feels personal and caring. Our team is dedicated to ensuring that every member receives the support they need, whether they're visiting us in person or connecting through online banking.

Branch Location & Accessibility

Welcome to the Health Advantage branch, conveniently located at 1430 N Michigan Ave in Saginaw, MI. Our location is designed with your needs in mind, making banking easy and accessible for all our members. Situated near popular landmarks, you can find us just a short drive from the bustling downtown area, ensuring that you can get to us without any hassle. At Health Advantage, we prioritize accessibility. Our branch is ADA compliant, featuring ramps and other accommodations to ensure everyone can comfortably visit us. Parking is available nearby, so you won't have to worry about finding a spot when you come in for your banking needs. While members can visit us at our main branch address, official correspondence should be sent to our mailing address at 4550 State St, Saginaw, MI 48603. This helps streamline your communication with us. Our operating hours cater to your busy schedule. You can drop by on Monday, Tuesday, or Thursday from 8:30 AM to 5:00 PM, or on Wednesday from 9:00 AM to 5:00 PM. We also extend our service on Fridays from 7:00 AM to 6:00 PM. Whether you're making deposits or withdrawals, our friendly staff is here to assist you during these times. For added convenience, we offer ATM services and basic drive-thru banking options for simple transactions like deposits and withdrawals. Our commitment to providing easy access means that whether you're visiting in person or using our ATM services, we strive to make your experience smooth and efficient. Feel free to give us a call at 989-791-7070 if you have any questions or need assistance before your visit. We look forward to welcoming you soon at Health Advantage!

Member Eligibility

Becoming a member of Health Advantage is like joining a family that truly cares about your financial well-being. Located at 1430 N Michigan Ave Saginaw Mi 48602, we welcome individuals who live, work, worship, or attend school in our community. If you're an immediate family member of an existing member, you're also eligible to join! We believe in creating a supportive environment where everyone can thrive. For more details about eligibility, feel free to check out our dedicated page at http://healthadvantagecu.com/onlinemembership . Joining is simple! All you need to do is visit us or apply online, and you'll be on your way to enjoying all the benefits we have to offer, including competitive rates on loans and savings accounts, personalized service, and a strong commitment to our local community. If you have any questions or need assistance during the process, don't hesitate to reach out at (989) 791-7070. We're here to help you every step of the way!

Business Banking & Commercial Services

Real-World Merchant Services

Imagine having the ability to accept payments seamlessly, manage cash flow efficiently, and access valuable financial insights all through one platform. Our merchant services are designed for everyday operations, making it easier for you to focus on what you do best: running your business. From payment processing to reporting tools, we've got you covered. Join us at Health Advantage, located at 1430 N Michigan Ave Saginaw Mi 48602, in Saginaw, MI, and discover how our business banking and commercial services can empower your business today! For inquiries, call us at (989) 791-7070.

Supporting Your Growth

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.

Comprehensive List Of Services

Banking Made Easy

Whether you're making a quick deposit or managing your account, our basic drive-thru banking service is perfect for those on the go. You can easily conduct simple transactions like deposits and withdrawals without stepping out of your vehicle. For those times when you need cash or want to check your balance, our ATM services are available too. With these features, banking becomes hassle-free, allowing you to focus on what really matters in your life.

Community Focused Services

As part of our commitment to serving the Saginaw community, we strive to offer products and services that resonate with everyday member needs. From young families saving for their children's education to retirees looking for secure ways to manage their retirement funds, we have solutions that fit various lifestyles and financial situations.

Connect With Us

We invite you to explore all that Health Advantage has to offer. If you have questions about any of our services or want assistance with your account, don't hesitate to reach out! You can contact us at 989-791-7070 during our operating hours: Monday, Tuesday & Thursday from 8:30 AM - 5:00 PM; Wednesday from 9:00 AM - 5:00 PM; and Friday from 7:00 AM - 6:00 PM. Join us today and experience the personalized service and support that comes with being a member of Health Advantage. We look forward to helping you achieve your financial goals!

Digital Convenience at Your Fingertips

In today's fast-paced world, having access to digital banking features is essential. At Health Advantage, we make it easy for you to manage your finances anytime and anywhere. Our online banking platform allows you to view your account balances, transfer funds, and pay bills with just a few clicks. Whether you're at home or on the move, our mobile application ensures that your financial information is always within reach.

Digital & Online Banking

Key Services

With just a few clicks at https://www.healthadvantagecu.com/ , you can access our 24/7 online banking services. This means you can check your account balance, transfer funds, and pay bills anytime, day or night. We also offer electronic statements, so you can keep track of your finances without the clutter of paper just another way we prioritize convenience for our members. Need to sign a document? Our electronic signature authorization feature makes it easy and secure to handle important paperwork from anywhere. Plus, if you're looking to send money quickly, our person-to-person transfer service allows you to send funds directly to friends or family with just a few taps on your device.

Mobile Banking

Our mobile application is available for download, making it even simpler to manage your accounts from your smartphone. You can make mobile payments effortlessly, whether you're shopping in-store or online. And with real-time notifications about transactions, you'll always be in the loop regarding your financial activities. In addition to these features, we ensure that security remains our top priority. All transactions are protected with state-of-the-art encryption technology, giving you peace of mind while you bank digitally. At Health Advantage, we believe in providing accessible and user-friendly services so that managing your money is straightforward and stress-free. Join us today and experience banking that fits into your life!

Financial Strength

Member-Focused Savings

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.

Operational Efficiency

Our operational efficiency is highlighted by our net income of $0, which allows 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 Your Future

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 $107,449,977 in total loans and leases, which includes 1,662 used auto loans. This capability supports members' financial goals across various sectors.

Solid Financial Health

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 12.84% 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 Experience

Total Share Accounts at 23,114 reflect a strong and growing member base that trusts us with their finances. With $57,702 in net shares, funds available for lending and investments remain healthy. 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 1430 N Michigan Ave Saginaw Mi 48602 or call 989-791-7070 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 $19,959,723 in used vehicle loans and $4,644,806 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 can fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $16,597,582 provide the capital needed to grow and expand. Whether you're looking for funds for inventory, equipment purchase or operational costs, our commercial lending options are tailored to support local businesses.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $3,077,558. With flexible terms and competitive rates, our mortgages are designed to ease the path to owning your own home.

Refinancing Options

If you're considering refinancing an existing loan for better terms or lower rates, we have solutions that may work for you. Contact us today to explore eligibility options and see how we can help improve your financial situation. At Health Advantage located at 1430 N Michigan Ave Saginaw Mi 48602, we're committed to supporting our community with accessible financial products. If you have any questions or need assistance with any of our loan offerings, don't hesitate 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. Your journey towards financial empowerment starts here!

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. This option gives you the freedom to spend while keeping your financial health in check.

Loan Aggregator

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How LendMesh Ensures Accurate Comparisons

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HEALTH ADVANTAGE FEDERAL CREDIT UNION