H.P.C. Credit Union Alpena MI | Best Auto Loans & Checking Accounts

Introduction

Welcome to H.p.c. Credit Union, your trusted financial partner located at 300 S Ripley Blvd, Alpena, MI 49707. Since our establishment in 1950, we have been dedicated to serving our community with integrity and commitment. With a membership base of over 7,461 members and total assets exceeding $152 million, we are proud to be a cornerstone of financial support in Alpena. At H.p.c. Credit Union, we understand the importance of reliable banking services tailored to meet your needs. Whether you're looking for personal banking options, auto loans, or business financing solutions, we've got you covered. Our current total loans stand at 3,118, while our deposits amount to an impressive $9,614,481 demonstrating our robust financial health and ability to serve you effectively. Our leadership team is here for you! Under the guidance of CEO Dennis Werner and Board President Jon Benson, our experienced staff of 32 employees is ready to assist you with any financial questions or needs you may have. We're not just about numbers; we're about building relationships within the community. For those needing to reach us via mail, please note that official correspondence should be sent to our mailing address: 1234 W Chisholm St, Alpena, MI 49707. We invite you to visit our website at hpccu.com for more information on our services or give us a call at (989) 354-4698. Your financial journey begins here at H.p.c. Credit Union where community matters!

Branch History & Mission

At H.p.c. Credit Union, our story begins in 1950, rooted in the heart of Alpena, MI. Over the decades, we have evolved from a small community-focused institution to a trusted financial partner for over 7,461 members. Our commitment to serving our community has only grown stronger as we have expanded our services and resources. Located at 300 S Ripley Blvd, Alpena, MI 49707, our branch is easily accessible for all your banking needs. Whether you're visiting us for personal banking or business services, our friendly team is here to help. And while members can visit us at this location, official correspondence should be sent to 1234 W Chisholm St, Alpena, MI 49707. Our mission goes beyond just providing financial services; we aim to empower our members by fostering financial literacy and encouraging community involvement. We believe that everyone deserves access to quality financial products and support. This philosophy is reflected in the diverse range of services we offer, including checking and savings accounts, auto loans, mortgage options, and credit cards with rewards. In addition to traditional banking solutions, H.p.c. Credit Union embraces modern technology. Our members enjoy conveniences like online banking and mobile payments, making it easy to manage their finances anytime and anywhere. We also prioritize accessibility by ensuring that our facilities meet ADA standards. As we look back at our journey since opening our doors in 1950, we celebrate not only the growth of our total assets to an impressive ${152783588} but also the partnerships we've built within the community. From local sponsorships to outreach programs aimed at enhancing financial education among youth and families, we are dedicated to making a positive impact in Alpena. With operating hours from Monday through Friday between 9:00 a.m. and 5:30 p.m., and Saturday from 9:00 a.m. to noon for drive-thru services, we're here when you need us most. Plus, with ATM availability and drive-thru banking options, accessing your funds has never been more convenient. Join us at H.p.c. Credit Union today! Experience firsthand how we blend tradition with innovation to better serve your financial needs while actively participating in uplifting our community. Visit us or give us a call at 989-354-4698 to learn more about membership and the benefits awaiting you!

Branch Location & Accessibility

Easy Access and Nearby Landmarks

Situated near local favorites such as the Thunder Bay River and the bustling downtown area, our location is perfect for all your banking needs. With ample parking available right outside the entrance, you won't have to worry about finding a spot when you visit us. Our branch is designed with accessibility in mind, featuring ramps and ADA-compliant facilities so everyone can feel welcome.

Operating Hours

We know your time is valuable. That's why we offer flexible operating hours for your convenience. You can visit us Monday through Friday from 9:00 a.m. to 5:30 p.m., and on Saturdays, our drive-thru service is available from 9:00 a.m. until noon. No matter when you need us, we're here to serve you!

Services Offered

At H.p.c. Credit Union, we provide a variety of services tailored to meet your financial needs. From checking and savings accounts to mortgage loans and credit cards with rewards, our team is dedicated to helping you achieve your financial goals. Plus, with convenient ATM access and basic drive-thru banking for quick transactions like deposits and withdrawals, managing your money has never been easier. While members can visit us at 300 S Ripley Blvd, official correspondence should be sent to our mailing address at 1234 W Chisholm St, Alpena, MI 49707. If you have any questions or need assistance, feel free to give us a call at 989-354-4698. We look forward to welcoming you to our branch soon!

Member Eligibility

Joining the H.p.c. community at 300 S Ripley Blvd, Alpena, MI 49707 is a wonderful way to gain access to exclusive financial services and a supportive network. At H.p.c., we believe that everyone deserves the opportunity to thrive financially. To become a member, you simply need to meet certain eligibility criteria, which may include living, working, or worshiping in our local area or being related to someone who is already a member. This means that if you have ties to our vibrant community, you're likely eligible to join us! For the most current details on eligibility, feel free to check out this helpful page. Opening an account with us is easy and can be done online or in person. You'll find that we offer a range of services designed to meet your needs, from checking and savings accounts to auto loans and personal banking solutions. If you have any questions or need assistance during the process, don't hesitate to give us a call at 989-354-4698. We're here to help you every step of the way as you take this exciting step toward becoming part of our family!

Business Banking & Commercial Services

Commercial Loans to Fuel Your 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 That Make Life Easier

Managing payments shouldn't be a hassle. Our merchant services simplify transactions for you, allowing you to focus on what matters most growing your business. Imagine accepting payments easily from customers both online and in-store while keeping track of sales effortlessly. Our team is here to provide the tools you need to enhance your customer experience. Visit us at 300 S Ripley Blvd Alpena Mi 49707 or call us at (989) 354-4698 to learn how we can partner with you on your journey towards success.

Comprehensive List Of Services

Business Banking

For business owners, we provide comprehensive solutions including merchant services and business loans to help you grow your enterprise. We understand the unique challenges faced by businesses today and are here to support your journey.

Cash Withdrawal Services

Need quick access to cash? Our ATM services allow easy withdrawals and balance checks without the hassle of waiting in line. Plus, our basic drive-thru banking offers simple transactions like deposits and withdrawals for added convenience. We invite you to visit us at 300 S Ripley Blvd Alpena Mi 49707 or give us a call at (989) 354-4698 during our operating hours: Monday through Friday from 9:00 a.m. to 5:30 p.m., and Saturday from 9:00 a.m. to Noon. At H.p.c. Credit Union - Branch Office #1, we're here for all your financial needs because when you thrive, we thrive together! Explore more about how we can help you achieve your financial goals by visiting us online at https://hpccu.com/. Join us today!

Credit Cards

Don't forget about our credit cards with rewards! They offer great benefits that can help you save while making everyday purchases. Imagine earning points for cash back or travel each time you use your card.

Digital Banking

In this fast-paced world, convenience matters. That's why we proudly offer robust online and mobile banking features. You can manage your accounts from anywhere at any time whether it's checking your balance, transferring funds, or paying bills all at your fingertips through our mobile app.

Personal Banking

When it comes to personal banking, we offer a range of options that cater to everyone's needs. From checking and savings accounts that help you manage your day-to-day expenses, to auto loans and vehicle financing for when it's time to hit the road, we've got you covered. If you're dreaming of owning a home, our mortgage loans and refinancing options can make that dream a reality. For those unexpected expenses or projects around the house, our personal loans and debt consolidation services can provide the financial support you need.

Digital & Online Banking

Accessibility and Ease of Use

We designed our digital banking services with you in mind. Everything is streamlined for real-time account management, meaning you can keep track of your finances without any hassle. Whether it's accessing e-statements or using our mobile app, every feature is crafted to enhance your banking experience. At H.p.c., we're dedicated to providing top-notch service that fits into your life seamlessly. Explore all the ways we can help simplify your banking by visiting us online!

Key Features of Our Digital Banking Services

Our commitment to making banking easier for you includes a range of innovative features. For instance, if you're on the go, our mobile application allows you to access your accounts right from your smartphone. With mobile payments enabled, you can make purchases quickly without reaching for your wallet just tap and go! Need to send money to a friend? Our person-to-person transfer feature lets you do just that with a few simple taps. And if you're looking to save trees, we offer electronic statements so you can view your account activity without the clutter of paper. Additionally, we provide electronic signature authorization for those who prefer to handle documents digitally. This makes signing important paperwork quick and straightforward.

Financial Strength

Dedicated Team

Our success is supported by a dedicated team of professionals. We take pride in having 28 full-time employees and 4 part-time employees who ensure our branches are always ready to serve you with knowledge and commitment.

Growing Membership Base

As a testament to our reliability, we proudly serve 7,461 members with a total of 17,290 share accounts. This growing member base shows that many trust 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 300 S Ripley Blvd Alpena Mi 49707 or call (989) 354-4698 to learn more about how we can help you achieve your financial goals.

Lending Capacity

We understand the importance of supporting your financial goals. With $863 in used auto loans and $90,115,813 in total loans and leases, our lending capacity is designed to assist you across various sectors. Our operational efficiency is reflected by our $0, enabling us to continue offering competitive loan rates and solid financial products for our members.

Member-Focused Resources

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. Additionally, 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.

Secure Savings Options

Your savings are important to us. 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. This means you can save confidently knowing your funds are in safe hands.

Solid Financial Foundation

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.

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 make financing simple and accessible, whether you're purchasing a brand-new vehicle or a reliable used car.

Business Loans

For business owners, our outstanding commercial loans totaling $17,966,678 provide the capital needed to grow and expand. We understand the challenges faced by local businesses and are committed to providing tailored solutions that can help them thrive.

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. We offer competitive rates and flexible terms to help you find the right fit for your budget.

Refinancing Options

If you're looking to lower your payments or consolidate debt, we also offer refinancing options across many of our loan products. This could be an excellent way to save money in the long run and make your financial commitments more manageable. At H.p.c., we pride ourselves on transparency and member-focused service. 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 see how we can assist you in achieving your financial aspirations!

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $523,820 in loans helping members manage their finances effectively. Whether you need to cover unexpected expenses or want to earn rewards on your everyday purchases, our credit cards provide a convenient solution.

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