H.P.C. Credit Union Mio MI | Best Auto Loans & Business Banking

Introduction

Welcome to H.p.c. Credit Union - Branch Office #3, your trusted financial partner located at 308 N Morenci Ave, Mio, MI 48647. Established in 1950, we have proudly served our community for over seven decades, helping our members achieve their financial goals and dreams. With a membership base of 7,461 individuals, we are committed to providing personalized service and competitive financial products tailored to meet the unique needs of our members. At H.p.c., we understand that managing your finances is essential. That's why we offer a range of services including checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. Our total assets stand at an impressive $152,783,588, reflecting our dedication to fostering a stable and reliable banking environment for you. Our leadership team is passionate about serving the community. Under the guidance of CEO Dennis Werner and Board President Jon Benson, our dedicated staff of 32 employees is here to assist you during our operating hours from 8:30 a.m. to 5:00 p.m. Whether you need help with personal loans or navigating online banking, we are just a phone call away at 989-826-5898. While members can visit us at our branch location, official correspondence should be sent to the same address: 308 N. Morenci Avenue, Mio, MI 48647. We invite you to explore all that H.p.c. has to offer on our website at hpccu.com, where you can learn more about joining our credit union or opening an account. Join us today and experience the difference of community-focused banking!

Branch History & Mission

At H.p.c. Credit Union, we pride ourselves on a rich history that began in 1950. Since our founding, we have been dedicated to serving the community of Mio, MI, and beyond. With each passing year, we have evolved alongside the needs of our members, growing into a trusted financial institution with total assets of $152,783,588 and a vibrant membership base of over 7,461 individuals. Located at 308 N Morenci Ave, Mio, MI 48647, our branch is not just a place for banking; it's a hub for community engagement and support. Our commitment to providing personalized service can be seen in everything we do from our drive-thru banking services to our accessible ATM availability. We understand that each member's journey is unique, and we strive to meet those needs with compassion and expertise. Our mission at H.p.c. Credit Union is simple yet profound: to empower our members through exceptional financial services while fostering a strong sense of community. We believe that when individuals thrive financially, their entire community benefits. This philosophy drives us to offer a range of services including checking and savings accounts, auto loans, mortgage loans, personal loans, credit cards with rewards, and business banking solutions. While members can visit us at 308 N Morenci Ave Mio Mi 48647, official correspondence should be sent to 308 N. Morenci Avenue, Mio, MI 48647 if it differs from our physical location. We also embrace modern technology by offering online banking options that make managing finances easier than ever. With mobile payments and electronic signatures available, we're here to ensure your banking experience is both convenient and secure. As part of our dedication to community outreach, we actively seek partnerships that uplift those around us. From local events to financial education programs, we aim to make a positive impact in Mio and its surrounding areas. We invite you to become part of our family at H.p.c. Credit Union. Whether you're looking for reliable financial products or ways to engage with your community, we are here for you every step of the way. Join us today and discover the benefits of being a member because at H.p.c., you're not just another account; you're family. Reach out at (989) 826-5898 or visit us online at hpccu.com for more information!

Branch Location & Accessibility

Convenient Access and Amenities

Parking is readily available, making it simple for you to pop in and take care of your banking needs. We're committed to accessibility for all members; our facilities are ADA compliant with ramps and easy entry points for everyone. Our drive-thru service is perfect for quick transactions like deposits and withdrawals without leaving your vehicle, ensuring your banking experience is as smooth as possible. Plus, with an ATM on site, you can access cash anytime!

Friendly Service Hours

At H.p.c. Credit Union, we understand that life gets busy. That's why we offer convenient lobby hours from 8:30 a.m. to 5:00 p.m., Monday through Friday. Our friendly staff is here to assist you with everything from checking and savings accounts to auto loans and personal financing solutions.

Join Us Today!

We invite you to come visit us at H.p.c. Credit Union! Experience personalized service that puts your financial goals first. If you have questions or need assistance before stopping by, feel free to give us a call at 989-826-5898. We look forward to serving you!

Member Eligibility

Becoming a member of H.p.c. means joining a warm and welcoming community where your financial well-being is our priority. To be eligible, you simply need to live, work, or worship in the Oscoda County area, or have a family member who is already part of our credit union family. It's all about creating connections that matter! By choosing H.p.c., you gain access to a variety of benefits such as personalized service, competitive rates on loans, and exclusive member-only offers that can help you achieve your financial goals. The process to become a member is simple and straightforward. You can find more details about eligibility criteria by visiting us at https://hpccu.com/who-can-join/. If you're ready to take the next step, opening an account is just a click away through this link: https://loans.itsme247.com/138/home/start. Should you have any questions or need assistance, feel free to call us at (989) 826-5898. We look forward to welcoming you into our H.p.c. family!

Business Banking & Commercial Services

Loan Options for 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 Sense

In addition to loans, we offer merchant services that simplify transactions for your business. Imagine being able to accept payments easily, whether in-store or online, allowing you to focus on what matters most growing your business. Our services ensure you have the tools needed to manage sales efficiently and keep your customers happy. Located at 308 N Morenci Ave Mio Mi 48647 in Mio, MI, our team is ready to help you navigate the financial landscape and find the best solutions tailored just for you. Let's build a brighter future together!

Comprehensive List Of Services

ATM & Drive-Thru Services

Need quick access to cash? Our convenient ATM services allow for cash withdrawals and balance checks whenever you need them. Additionally, our drive-thru banking offers quick service for deposits, withdrawals, and simple transactions without having to leave your car. At H.p.c., we're committed to making banking easy and accessible for all our members. For any questions or assistance regarding our services, don't hesitate to reach out at (989) 826-5898 or visit us at 308 N Morenci Ave Mio Mi 48647 in Mio. Join us today and experience how we can help you achieve your financial goals!

Business Banking Support

For entrepreneurs and small business owners in Mio, we offer comprehensive business banking solutions, including merchant services and business loans. These services are designed to support the growth of your business while simplifying cash flow management.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features. With just a few taps on your smartphone or clicks on your computer, you can check balances, transfer funds, pay bills, and even send money to friends through our person-to-person payment service.

Credit Cards with Rewards

Love rewards? Our credit cards with rewards allow you to earn points for every dollar spent. Whether it's for travel, dining, or everyday purchases, you'll find that using our credit card not only simplifies payments but also earns you something back.

Personal Banking Solutions

We understand that managing your money is important. That's why we offer personal banking options that include checking and savings accounts tailored to fit your lifestyle. Imagine easily accessing your funds online or via our mobile app, allowing you to monitor your spending and savings from anywhere. If you're thinking about purchasing a car, our auto loans and vehicle financing provide competitive rates that make it easy to drive away in your dream car. For those planning to buy a home, our mortgage loans and refinancing options can help make home ownership a reality. And if life throws unexpected expenses your way, our personal loans and debt consolidation services give you the flexibility to manage your finances without stress.

Digital & Online Banking

Key Features for Your Convenience

Our 24/7 online banking services make it simple to check your account balance, transfer funds, or pay bills without leaving your home. Plus, with electronic signature authorization available, signing documents has never been easier or more secure. You can quickly access your e-statements whenever you need them, helping you stay organized and informed about your finances. Need to send money to a friend or family member? Our person-to-person transfer feature lets you do just that with just a few taps on your phone or computer. And if you prefer using mobile payments, you're in luck! We support mobile payment options that make transactions quick and hassle-free.

Stay Connected with Our Mobile Application

Our mobile application is available for download, allowing you to manage your accounts on the go. Whether you're making deposits, checking transactions, or accessing important financial information, everything you need is right at your fingertips. At H.p.c., we prioritize both convenience and security in our digital banking services. With real-time account management and the ability to handle various transactions securely from any device, you can have peace of mind knowing that your finances are always within reach. Join us today and experience the ease of digital banking at H.p.c.!

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 are proud to share our robust financial health, which is designed to support you in achieving your financial goals. 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. Our lending capacity supports members' financial goals with $863 in used auto loans and $90,115,813 in total loans and leases. Our operational efficiency is reflected in our $0, 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 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 308 N Morenci Ave Mio Mi 48647 or call (989) 826-5898 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, making it easier for you to drive away in the vehicle you want.

Credit Lines

For those who prefer more flexibility in their borrowing needs, our total credit lines amounting to $15,000,000 are designed for quick access to funds as needed. This feature is perfect for managing cash flow or funding larger purchases without taking on additional debt.

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 are here to guide you through the process and ensure you understand all your options.

Refinancing Options

If you're considering refinancing an existing loan or exploring eligibility options, our team can help you assess your current situation and find solutions that fit your budget and lifestyle. To learn more about our loan products or to start your application today, feel free to reach out to us at 989-826-5898 or visit us at 308 N Morenci Ave, Mio MI 48647. 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 financial success is our priority!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $523,820 in loans helping members manage their finances effectively. This option can be especially useful for those looking to consolidate debt or cover unexpected expenses without collateral.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With LendMesh, users can easily navigate their options and make informed decisions without the confusion often associated with loan shopping. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This approach is based on the latest results, as detailed on the NCUA website (Source: https://www.ncua.gov). By working with reputable institutions, LendMesh guarantees fair and transparent offers for its users. One of the key benefits of using LendMesh is its commitment to Verified Data. Loan offers come exclusively from legitimate financial institutions, which promotes transparency in the comparison process. Additionally, LendMesh features No Sponsored Listings, meaning that lenders are not prioritized based on paid promotions. The platform's focus remains on providing unbiased results to help users find the best loan options available. Another advantage is Real-Time Rate Comparisons. Users have access to up-to-date loan rates from multiple institutions, allowing them to make informed choices quickly and efficiently. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" If you're ready to explore your financing options without the hassle, 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.*

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