Health Advantage Credit Union Saginaw MI | Best Auto Loans & Personal Banking

Introduction

Welcome to Health Advantage, your trusted partner in financial well-being located at 4550 State St, Saginaw, MI 48603. Since our establishment in 1970, we have proudly served over 11,213 members, providing a comprehensive range of financial services designed to meet your unique needs. With total assets exceeding $169 million, we stand as a robust institution committed to helping you achieve your financial goals. At Health Advantage, we believe that banking should be personal and accessible. Our dedicated team, led by CEO Laura Crase and Board President Thomas Hollerback, is here to support you with everything from checking and savings accounts to auto loans and mortgage financing. With a focus on community impact, we strive to empower our members through responsible lending practices and financial education. While you can visit us at our branch for personalized service, please note that official correspondence should be sent to our mailing address: PO BOX 6160, SAGINAW, MI 48608. We invite you to explore our website at healthadvantagecu.com for more information about our services and how we can assist you. With total deposits around $6 million and a net worth of approximately $21 million, we ensure that your money is not just safe but also working for you. Our commitment to transparency means that whether you're looking for personal loans or business financing options (with nearly $16 million in net member business loan balances), we're ready to help every step of the way. Whether you're opening a new account or seeking advice on managing your finances, our friendly staff is just a phone call away at (989) 791-7070. We encourage you to come visit us or reach out today let's work together towards building a brighter financial future!

Branch History & Mission

Welcome to Health Advantage, where we are proud of our rich history and commitment to serving the Saginaw community. Opened in 1970 at 4550 State St, Saginaw, MI 48603, our branch has grown alongside our members and adapted to their changing needs over the years. With a strong foundation built on trust and service, we have steadily expanded our offerings to support over 11,200 members and manage total assets of approximately $169 million. From the very beginning, our mission has been clear: to provide accessible financial services while empowering our community through education and support. We believe that everyone deserves a chance at financial well-being. Our dedicated team works tirelessly to ensure that each member receives personalized attention and guidance tailored to their unique situation. While you can visit us at our main branch location for face-to-face assistance, we also encourage official correspondence to be sent to our mailing address at PO BOX 6160, Saginaw, MI 48608. At Health Advantage, we take pride in offering a wide range of services from personal banking options like checking and savings accounts to auto loans, mortgages, and credit cards with rewards. We understand the importance of convenience in today's fast-paced world; that's why we've invested in digital advancements such as online banking and mobile payments. Our commitment to accessibility is also reflected in our ADA-compliant facilities, ensuring that all members can easily access the services they need. Our operating hours are designed to fit your busy schedule: Monday, Tuesday, and Thursday from 8:30 AM to 5:00 PM; Wednesday from 9:00 AM to 5:00 PM; and Friday from 7:00 AM to 6:00 PM. Additionally, we offer ATM availability and drive-thru banking for quick transactions. Beyond banking, Health Advantage actively participates in community outreach efforts. We collaborate with local organizations to promote financial literacy and provide resources that help individuals achieve their goals. This dedication extends beyond mere numbers; it reflects our belief in giving back and fostering a thriving community. As we move forward into new chapters of growth and innovation, we invite you to join us at Health Advantage. Experience firsthand the benefits of being part of a credit union that puts people before profits. Come see what makes us different because your health advantage starts here! For more information or to open an account today, visit us online at Health Advantage or call us at 989-791-7070.

Branch Location & Accessibility

Convenient Access

At Health Advantage, we prioritize accessibility. Our branch features ADA-compliant ramps and ample parking to ensure that everyone can easily visit us. If you prefer banking on the go, we also offer an ATM right outside for quick cash withdrawals or balance checks anytime.

Get in Touch!

We invite you to come by or call us at 989-791-7070 if you have any questions or need assistance. At Health Advantage, we're not just a credit union; we're your financial partner committed to helping you achieve your goals. We look forward to welcoming you soon!

Operating Hours & Services

We understand that life can be busy, which is why our lobby hours are tailored to fit your schedule. We're open Monday, Tuesday, and Thursday from 8:30 AM to 5:00 PM; Wednesday from 9:00 AM to 5:00 PM; and Friday from 7:00 AM to 6:00 PM. Whether you need personal banking services like checking and savings accounts or are interested in auto loans and credit cards with rewards, our friendly staff is here to assist you. Additionally, we offer drive-thru banking for those quick transactions without leaving your vehicle. This way, you can manage deposits and withdrawals efficiently, ensuring that your banking experience with us is as smooth as possible. While members can visit us at 4550 State St., official correspondence should be sent to our mailing address at PO BOX 6160, Saginaw, MI 48608.

Member Eligibility

At Health Advantage, we believe that everyone deserves a chance to be part of a caring community. Joining our credit union is simple and welcoming! If you live, work, worship, or attend school in Saginaw County, you're already eligible to become a member. It's all about connecting with people like you who value friendly service and support. To learn more about the specific eligibility criteria and see if you qualify, feel free to visit our detailed guide at this link. Once you're ready to take the next step, opening an account with us is a breeze! You can start your application process by visiting this page. Should you have any questions along the way, don't hesitate to give us a call at 989-791-7070. We're here to help you join our family at Health Advantage located at 4550 State St, Saginaw, MI 48603!

Business Banking & Commercial Services

Commercial Loans That Fuel 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.

Merchant Services for Everyday Needs

In addition to loans, we offer merchant services that simplify payment processing. Imagine a busy day at your shop where customers can easily pay using their cards or mobile wallets. Our merchant services ensure you can focus on serving your customers while we handle transactions smoothly and securely. When it comes to growing your business, let Health Advantage be your trusted partner. Explore our offerings today and see how we can support your journey!

Comprehensive List Of Services

Business Banking Services

For our business members, we provide comprehensive business banking services, including merchant services and business loans. We recognize the unique challenges that businesses face and offer solutions tailored specifically for entrepreneurs.

Convenient Banking Features

To enhance your banking experience further, we feature online and mobile banking tools that allow you to manage your accounts on the go. Our ATM services ensure that cash withdrawals are never a hassle. If you prefer in-person transactions, our drive-thru service allows you to handle deposits and withdrawals conveniently without leaving your car. At Health Advantage, we're more than just a credit union; we're your financial partner committed to helping you succeed. If you're ready to explore all the ways we can assist you in achieving your financial aspirations or if you have any questions about our services, please feel free to reach out at 989-791-7070 or visit us at our branch location. Take control of your financial future today with Health Advantage!

Flexible Loan Products

Life can throw unexpected expenses your way. Our personal loans and debt consolidation options are designed to help you tackle those challenges head-on. Whether it's consolidating existing debts or funding a special project, we're here to support you in reaching your financial goals.

Home Financing Options

For those considering homeownership or refinancing their current mortgage, we offer a range of mortgage loans and refinancing options. Our knowledgeable team is here to guide you through every step of the process, ensuring that you find the best solution for your home financing needs.

Personal Banking Solutions

We understand that managing finances can be overwhelming at times. That's why we offer various checking and savings accounts designed to fit different lifestyles and financial goals. With our easy online and mobile banking options, you can check balances, transfer funds, and manage your accounts from anywhere. If you're planning to purchase a vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms. We strive to make the car-buying process as smooth as possible so that you can hit the road with confidence.

Rewarding Credit Card Options

Don't forget about our credit cards with rewards! These cards not only provide purchasing power but also give back through points on everyday spending. It's an easy way to earn rewards while managing your expenses effectively.

Digital & Online Banking

Convenient Online Access

With our online banking platform, accessible at https://www.healthadvantagecu.com/, you can check your account balance, transfer funds, and pay bills all from the comfort of your home or on the go. Our 24/7 online banking services ensure that you can manage your finances at any hour, fitting into your busy lifestyle without skipping a beat.

Mobile Banking at Your Fingertips

Take advantage of our mobile application to bank anytime using your smartphone. You can make mobile payments easily, ensuring that you're never caught unprepared. Sending money to friends or family is also simple with our person-to-person transfer feature, making it easy to share expenses or gifts. Whether you're checking your balance or moving money around, our digital tools are designed for real-time account management. At Health Advantage, we're committed to providing our members with secure, accessible banking solutions that fit seamlessly into their lives. Embrace the convenience of modern banking today!

User-Friendly Features

We prioritize your security and ease of use. For those times when you need to sign documents quickly, our electronic signature authorization feature allows for fast and secure signing without the hassle of printing or mailing. Plus, with e-statements available, you can keep track of your transactions in an eco-friendly way.

Financial Strength

At Health Advantage, 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 strive to maintain a strong financial foundation that allows us to provide the best possible service to our community. 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. 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. 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 supports your financial goals across various sectors with $16,659,723 in used auto loans and a total of $107,449,977 in loans and leases. Our operational efficiency is evident in our net income of $0, which reflects our commitment to maintaining a stable financial environment 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, committed team. Total Share and Deposit Accounts stand at 23,114, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $57,702. 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 4550 State St Saginaw Mi 48603 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. We provide financing solutions for both new and used vehicles to ensure you can find a loan that fits your budget and lifestyle.

Business Financing

For business owners, our outstanding commercial loans totaling $16,597,582 provide the capital needed to grow and expand. We understand the unique challenges businesses face and strive to offer competitive solutions that support your ambitions. If you're interested in any of these products or would like to explore refinancing options available through Health Advantage, 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. 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 our loan offerings today and take the first step toward achieving your financial aspirations! For more information about eligibility or applying for a loan online, visit us at Health Advantage.

Credit Card Loans

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. Whether you need to make an unexpected purchase or want to consolidate debt, our credit card options are designed with your needs in mind.

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 aim to guide you through every step of the process so that you can feel confident in your decision to invest in your future.

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Real-Time Rate Comparisons

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