Honor Credit Union Coldwater MI | Affordable Auto Loans & Business Banking

Introduction

Welcome to Honor Credit Union, your trusted financial partner located at 621 E Chicago Rd, Coldwater, MI 49036. Established in 1934, we have proudly served our community for decades, building a strong foundation of trust and reliability with our 107,471 members. With total assets exceeding $1.7 billion, we are dedicated to providing exceptional banking services tailored to meet your needs. At Honor Credit Union, we believe in the power of community and strive to make a positive impact through our comprehensive range of services, including personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Our commitment extends beyond just numbers; we focus on building relationships that last. Under the leadership of our CEO, Scott McFarland, and Board President, Brian Brown, our team of 474 employees is here to support you every step of the way. Whether you're looking to secure a loan or open a new account, we are ready to assist you with friendly service and expert guidance. While you can visit us at our branch for all your banking needs, please note that any official correspondence should be directed to the same address: 621 E Chicago Rd, Coldwater, MI 49036. With total deposits amounting to $45,643,224 and a net worth of $203,027,616, we are well-equipped to help you achieve your financial goals. Feel free to reach out to us at (517) 278-6579 or explore our website at Honor Credit Union for more information. Join us today and experience the difference that comes with being part of a community-focused credit union!

Branch History & Mission

Our Journey

Honor Credit Union started with a simple mission: to provide accessible financial services that empower individuals and strengthen communities. As we've evolved through the years, our commitment to this mission has remained unwavering. We have embraced changes in technology and member needs while ensuring that personalized service is always at the heart of what we do. Our branch is not just about banking; it's about building relationships and fostering growth within our community. From offering competitive auto loans to providing essential savings accounts, we strive to meet the diverse financial needs of our members. We also make it easy for you to manage your finances with modern conveniences like online banking and mobile payment options.

Our Mission

At Honor Credit Union, our mission goes beyond transactions. We are dedicated to improving the financial well-being of our members while actively contributing to local initiatives. We believe in giving back and supporting various community outreach programs that make a real difference in people's lives. Whether it's through partnerships with local schools or hosting financial literacy workshops, we aim to empower our members with knowledge and resources they need to succeed financially. Our team is committed to ensuring that every member feels valued and supported throughout their financial journey. While you can visit us at 621 E Chicago Rd, official correspondence should be sent to the same address as our mailing address: 621 E Chicago Rd, Coldwater, MI 49036. We are proud to offer ATM availability and a convenient drive-thru service, allowing you quick access to your funds whenever you need them. Our operating hours are designed with you in mind: Monday through Thursday from 9:00 AM - 5:00 PM, Wednesday from 10:00 AM - 5:00 PM, and Friday from 9:00 AM - 5:30 PM. As we look toward the future, we invite you to join us on this journey. Experience the benefits of membership at Honor Credit Union where your financial goals are met with care and dedication. Together, let's build a brighter financial future for you and our community! For any inquiries or assistance, feel free to call us at 517-278-6579 or visit us online at honorcu.com.

Branch Location & Accessibility

Call Us Anytime!

If you have any questions or need further assistance, feel free to give us a call at 517-278-6579. Our friendly team is eager to help! While members can visit us at 621 E Chicago Rd for all their banking needs, official correspondence should be sent to the same address. We invite you to come see us soon and experience the Honor Credit Union difference!

Nearby Landmarks and Accessibility

Situated near popular local spots, our branch is easy to find. Just a short drive from the vibrant downtown area, you'll find us nestled among familiar businesses and community landmarks. We understand how important accessibility is, so our branch features ADA-compliant entrances and ramps to ensure everyone can access our services with ease.

Operating Hours and Services

We know your time is valuable, which is why we offer flexible hours to fit your schedule. Our lobby is open Monday through Thursday from 9:00 AM to 5:00 PM, with extended hours on Friday until 5:30 PM. Need quicker service? Our drive-thru operates Monday through Friday from 8:00 AM to 6:00 PM, allowing you to complete simple transactions without leaving your car. At Honor Credit Union, we provide a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, with ATM access available at our branch, you can easily withdraw cash or check your balance anytime.

Member Eligibility

At Honor, we believe that everyone deserves the chance to be part of a caring and supportive financial community. Joining us as a member is simple and welcoming! If you're a resident, work, or go to school in our local area, you can easily become a member. We're here to support you with a variety of services tailored to your needs, from checking accounts to loans and everything in between. Plus, being part of our credit union means you'll enjoy lower fees, better rates, and personalized service that puts you first. To start your journey with us at Honor, just give us a call at (517) 278-6579 or visit our branch located at 621 E Chicago Rd Coldwater Mi 49036. You can also find more detailed information about the eligibility criteria by visiting this link: . We can't wait to welcome you into our community!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer merchant services that simplify everyday transactions. Imagine having a reliable partner that helps you accept payments efficiently, manage cash flow seamlessly, and provide top-notch customer experiences. Our solutions enable you to focus on what matters most growing your business. Visit us at 621 E Chicago Rd Coldwater Mi 49036 in Coldwater, MI, or give us a call at (517) 278-6579 to learn how we can support your business journey!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1,745 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $13 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $210,219,072, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Convenient Access Anytime

In addition to traditional banking services, we have multiple ways for you to access your funds conveniently. Our ATM services ensure that cash is always within reach. You can also take advantage of our drive-thru banking for quick deposits or withdrawals without leaving your car. If you're a member of another credit union, feel free to utilize our basic shared branch transactions for deposits and withdrawals as well. This means more flexibility and fewer barriers when managing your finances.

Credit Cards and Business Solutions

Looking for rewards on your purchases? Our credit cards with rewards program gives you points for every dollar spent, providing added value for your everyday expenses. For entrepreneurs and business owners, we offer comprehensive business banking services, including merchant services and business loans tailored to support your growth. We understand that running a business comes with its own set of challenges, so we're here to provide the financial tools you need.

Join Us Today!

At Honor, our goal is to make banking easy and accessible for everyone in the community. Whether you're just starting out or looking for advanced financial solutions, we invite you to explore all that we have to offer. For more information about our services or if you have any questions, don't hesitate to reach out by calling us at (517) 278-6579 or visit us online at Honor Credit Union. We look forward to serving you!

Personal Banking Made Easy

Starting with personal banking, we provide options like checking and savings accounts that fit any lifestyle. Need quick access to your money? Our online and mobile banking features allow you to manage your accounts from anywhere. You can easily transfer funds, pay bills, and even make person-to-person payments right from your smartphone. If you're thinking about buying a car, our auto loans and vehicle financing solutions are designed with competitive rates to help you drive away in your dream vehicle. For those considering homeownership, our mortgage loans and refinancing options can guide you through the process smoothly. We also offer personal loans and debt consolidation to help you manage unexpected expenses or consolidate existing debts into one manageable payment.

Digital & Online Banking

Key Features

Our commitment to your security is unwavering. We utilize electronic signature authorization Yes for secure transactions, ensuring that your sensitive information stays protected. You can also opt for e-statements Yes, which not only keeps your documents organized but also helps the environment by reducing paper usage. For those on the go, our mobile application Yes allows you to manage your accounts directly from your smartphone. You can make mobile payments Yes effortlessly and send money to friends or family through person-to-person transfers Yes without any hassle. We believe in making banking accessible for everyone. Whether you're sitting at home or out and about, our digital tools help you manage your finances in real-time. With features like these, we aim to enhance your banking experience while providing peace of mind. Explore the full suite of digital banking solutions today at https://www.honorcu.com/ and see how easy managing your money can be!

Financial Strength

Commitment to Growth

With $182,267,312 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 members' financial goals across various sectors with $18,306 in used auto loans and $1,313,337,046 in total loans and leases.

Growing Member Base

Total Share and Deposit Accounts: 261,909, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $4,114,835. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Honor is your trusted partner. Visit us at 621 E Chicago Rd Coldwater Mi 49036 or call (517) 278-6579 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 463 full-time employees and 11 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Opportunities

Members' savings are secured through $337,791,817 in share certificates and $440,702,943 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.

Strong Financial Foundation

With a net worth of $203,027,616, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,186 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 $266,575,029 in used vehicle loans and $46,360,749 in new vehicle loans already helping members get on the road. Whether you're looking for financing on a new or used vehicle, we've got you covered with flexible terms that fit your budget.

Commercial Loans

For business owners, our outstanding commercial loans totaling $210,219,072 provide the capital needed to grow and expand your business. We are committed to supporting local businesses and ensuring they have access to the resources they need to thrive. At Honor, we're dedicated to making your borrowing experience as smooth as possible. Our team is here to answer any questions you may have and assist you with finding the right loan product for your needs. For more information or assistance, feel free to call us at (517) 278-6579 or visit us at our branch located at 621 E Chicago Rd Coldwater Mi 49036 in Coldwater, MI. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We look forward to helping you achieve your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $98,018,527, make buying or refinancing simple. We aim to provide competitive rates and personalized service to guide you through every step of the process. If you're considering refinancing your current mortgage, we can help you explore eligibility options that may save you money.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $67,792,636 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits that make everyday purchases more rewarding.

Loan Aggregator

Accurate Loan Comparisons

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 transparency means you receive fair offers that reflect genuine market conditions.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in what you see. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, helping them make informed decisions. 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!" This illustrates how effective LendMesh can be in finding the right financial solution for your needs. 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.

HONOR CREDIT UNION