H.P.C. Credit Union Alpena MI | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to H.p.c. Credit Union, your trusted financial partner in Alpena, MI! Located at 1234 W Chisholm St, we have been serving our community since 1950. With a strong commitment to our members, we proudly boast a total membership of 7,461 and have built a solid foundation with assets totaling $152,783,588. At H.p.c. Credit Union, we understand that every financial decision matters. That's why we offer a variety of services tailored to meet your needs whether you're looking for personal banking options like checking and savings accounts, or financing solutions such as auto loans and mortgages. Our dedicated team, led by CEO Dennis Werner and Board President Jon Benson, is here to ensure you receive the personalized service you deserve. While members can visit us at our branch address, official correspondence should be sent to 1234 W CHISHOLM ST, ALPENA, MI 49707 if needed. We take pride in our local roots and are committed to supporting the community through responsible lending practices and active engagement. With a net worth of $21,576,225 and total deposits amounting to $9,614,481, we are financially sound and ready to help you achieve your goals. Our cash reserves stand at $1,822,591, providing reassurance that your money is safe with us. As part of our ongoing mission to empower members financially, we encourage you to reach out for any questions or support. Feel free to call us at 989-354-4698 or explore more about our services on our website at hpccu.com. Join us today and experience the difference of being part of a credit union that truly cares!

Branch History & Mission

Welcome to H.p.c. Credit Union, where our story is deeply woven into the fabric of Alpena, MI. Established in 1950, we have proudly served our community for over seven decades, evolving from a small local credit union to a vital financial partner for more than 7,461 members. Our branch is conveniently located at 1234 W Chisholm St, just a stone's throw away from the vibrant heart of Alpena, making it easy for you to access our services. Over the years, H.p.c. has seen remarkable growth, with total assets now amounting to an impressive $152,783,588. This growth reflects not only our commitment to sound financial practices but also our dedication to the people we serve. As we expanded our offerings from personal banking solutions like checking and savings accounts to auto loans and mortgages we remained focused on one core mission: supporting our members and enhancing their financial well-being. Our mission is clear: we strive to provide accessible financial services that empower individuals and families in our community. We believe in building relationships grounded in trust and transparency. Through initiatives such as personalized loan options and competitive rates on savings accounts, we aim to foster financial literacy and stability among our members. While members can visit us at 1234 W Chisholm St for all their banking needs, official correspondence should be sent to 1234 W CHISHOLM ST, ALPENA, MI 49707 if it differs from the branch address. We offer convenient operating hours Monday through Friday from 8:30 A.M. to 5:30 P.M., and Saturday from 9:00 A.M. to noon making it easier than ever to connect with us. At H.p.c., we are dedicated to embracing technology that enhances your banking experience. Our online and mobile banking services ensure that you can manage your finances anytime, anywhere. Whether you need ATM access or prefer using our drive-thru service for quick transactions, we have you covered. Community outreach is also at the heart of what we do. We actively partner with local organizations to support initiatives that uplift those around us. From educational workshops to charity events, we're not just a credit union; we're a part of this community. Join us at H.p.c. Credit Union today and discover how we can help you achieve your financial goals. Experience the difference of being part of a credit union that truly cares about its members and the community it serves! For more information or assistance, feel free to call us at 989-354-4698 or visit our website at hpccu.com.

Branch Location & Accessibility

Nearby Landmarks and Accessibility

Our branch is just a stone's throw away from popular local spots such as the beautiful Thunder Bay River and the vibrant downtown area. You'll find ample parking available, making it hassle-free for you to visit us. We are proud to offer ADA-compliant facilities, including ramps for those who need extra assistance.

Operating Hours and Services

We understand that life gets busy, which is why we're here for you Monday through Friday from 8:30 A.M. to 5:30 P.M., and on Saturdays from 9:00 A.M. to noon for drive-thru services. This flexibility allows you to choose a time that best fits your schedule. At H.p.c. Credit Union, we provide a variety of personal banking services tailored to meet your needs. From checking and savings accounts to auto loans, mortgages, and credit cards with rewards, we've got you covered! Plus, with our ATM services available on-site and basic drive-thru banking options for deposits and withdrawals, accessing your money has never been easier. If you have any questions or need assistance, feel free to give us a call at 989-354-4698. We invite you to visit us soon and discover how H.p.c. Credit Union can help you achieve your financial goals!

Member Eligibility

At H.p.c., we believe that everyone deserves a chance to be part of a caring and supportive community. If you're looking to join us, you'll be pleased to know that membership is open to anyone who lives, works, worships, or attends school in the Alpena area. You can also become a member if you have a family member who already belongs to our credit union. It's that simple! Being a member at H.p.c. means you gain access to a variety of financial services tailored just for you, including checking and savings accounts, loans, and online banking options. To learn more about our eligibility criteria and see if you qualify, check out our detailed information at https://hpccu.com/who-can-join/. Ready to take the next step? Opening an account with us is straightforward and welcoming! Just visit https://loans.itsme247.com/138/home/start to get started. If you have any questions along the way or need assistance, feel free to give us a call at (989) 354-4698. We're excited to welcome you into the H.p.c. family!

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 $101 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $43 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $17,966,678, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Everyday Success

Beyond loans, we offer merchant services that simplify transactions and enhance customer experiences. Picture this: your customers easily pay using various methods while you manage your cash flow seamlessly. Our merchant services make daily operations smoother, allowing you to focus on what matters most growing your business. Located at 1234 W Chisholm St Alpena Mi 49707 in Alpena, MI, we invite you to explore how our business banking and commercial services can empower your enterprise. Reach out to us at (989) 354-4698 or visit our website at H.p.c. Credit Union - Main Office for more information.

Comprehensive List Of Services

Accessibility at Your Fingertips

We know that convenience matters. That's why we also have basic drive-thru banking available for quick deposits and withdrawals without leaving your car. Whether you're rushing to work or just prefer the ease of drive-thru transactions, we've got you covered. At H.p.c., we strive to create a welcoming atmosphere where members feel valued and supported in their financial journeys. Our friendly staff is always ready to assist you with any questions or guidance you may need. If you're interested in learning more about how we can assist with your financial needs or if you're ready to become a member, don't hesitate to reach out! Give us a call at (989) 354-4698 or visit us online at H.p.c. Credit Union - Main Office. Your journey towards financial wellness starts here!

Business Banking Solutions

For our business members, we offer comprehensive business banking services, including merchant services and business loans. Whether you're starting a new venture or looking to expand an existing one, we're here to support your growth.

Convenient Digital Banking

In today's busy world, having access to your accounts anytime is crucial. That's why we offer robust online and mobile banking features. You can manage your accounts, transfer funds, and pay bills all from your smartphone or computer. And if you're ever in need of cash, our ATM services provide easy access for withdrawals and balance checks whenever you need them.

Loans Made Easy

Life often throws unexpected expenses your way, and that's where our personal loans and debt consolidation options come in handy. We aim to provide flexible terms that work for you, helping you regain control over your finances. Plus, with our credit cards featuring rewards, you can earn while you spend, making every purchase count.

Personal Banking

Our personal banking services are designed to fit your lifestyle. Whether you're looking to open a checking or savings account, we've got options that make managing your money easy. Need a vehicle? Our auto loans and vehicle financing can get you on the road without breaking the bank. For those considering buying a home, our mortgage loans and refinancing solutions can help you secure the best rates available.

Digital & Online Banking

Easy Access Anytime, Anywhere

With our 24/7 online banking services available at https://hpccu.com/, you can check your account balances, transfer funds, and pay bills whenever it suits you. Need to send money to a friend? Our person-to-person transfers make it simple and quick. You can also enjoy the benefits of electronic signature authorization for added convenience when signing important documents from the comfort of your home.

Go Mobile with Confidence

Our mobile application makes banking on the go a breeze. Whether you're making mobile payments or checking account details, everything is just a tap away. Plus, you can rest easy knowing that all transactions are protected with robust security measures. At H.p.c., we prioritize your financial health and peace of mind. Our digital banking tools are designed to empower you to take control of your finances with ease and confidence. Join us today and experience banking that adapts to your needs!

Stay Organized with E-Statements

Say goodbye to paper clutter! With our e-statements availability, you can access your bank statements online anytime, ensuring you always have the information you need right at your fingertips. This eco-friendly option not only keeps your records organized but also enhances security by reducing the risk of identity theft.

Financial Strength

At H.p.c., 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 understand that in today's world, having a solid financial foundation is crucial for peace of mind. With a net worth of $21,576,225, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,412 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 $14,258,954 in share certificates and $23,191,064 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 $21,576,225 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, our lending capacity supports members' financial goals across various sectors with $863 in used auto loans and $90,115,813 in total loans and leases. 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 28 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $3,084,869. Total Share and Deposit Accounts: 17,290, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, H.p.c. is your trusted partner. Visit us at 1234 W Chisholm St Alpena Mi 49707 or call (989) 354-4698 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 $15,276,321 in used vehicle loans and $7,695,719 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates tailored to fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $17,966,678 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance your current operations, we can help you find the right financing solution.

Credit Lines and Personal Loans

Need extra funds for unexpected expenses? We also offer substantial credit lines totaling $15,000,000, providing you with access to funds when you need them most. Additionally, our unsecured credit card loans amounting to $523,820 allow members to manage their finances effectively with flexible repayment options.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,002,950, make buying or refinancing simple. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is here to guide you through the process.

Refinancing Options

If you're considering refinancing any of your existing loans, we have options available that may save you money on interest or reduce your monthly payments. Our team is ready to discuss eligibility requirements and find a plan that suits your needs. At H.p.c., we prioritize transparency and customer satisfaction. We invite you to visit us at 1234 W Chisholm St Alpena Mi 49707, call us at (989) 354-4698, or explore our website for more information about our loan offerings. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let's work together towards achieving your financial goals!

Loan Aggregator

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