We believe in giving back to the community that supports us. Our partnerships with local organizations enable us to participate in various outreach programs aimed at improving the quality of life in Menominee. Whether it's through financial literacy workshops or sponsoring local events, we are dedicated to making a positive impact.
In today's fast-paced world, we understand the importance of convenience. That's why we've embraced digital banking solutions like online banking and mobile payments. Our goal is to make banking easier for you while ensuring all services remain ADA compliant for accessibility. As we look toward the future, Integra First remains committed to being more than just a financial institution; we aim to be your trusted partner in achieving your goals. Join us today and experience firsthand how we can help you thrive financially! For inquiries or assistance, feel free to reach out at 906-863-7814 or visit us online at Integra First.
At the heart of Integra First is our mission: to empower our members through exceptional financial services while fostering community growth and stability. We offer a variety of banking solutions tailored to meet individual needs from checking and savings accounts to auto loans, mortgages, and credit cards with rewards. Our focus on transparency and member education ensures that everyone can make informed financial decisions. While members can visit us at our main branch address, official correspondence should be sent to 2101 18th St, Menominee, MI 49858-3512. This direct line helps maintain open communication as we strive to serve you better.
We know your time is valuable, so we're open during convenient hours: Monday, Wednesday, and Friday from 11 AM to 3 PM. Whether you need to open an account, apply for a loan, or simply ask a question, our dedicated team is ready to assist you during these hours.
At Integra First, we offer a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, there's something for everyone. Our knowledgeable staff can also help with mortgage loans and business banking solutions. While we currently do not have ATM services or drive-thru banking available at this location, we invite you to come inside where our team is eager to help you face-to-face. If you have any questions before your visit or would like more information about our services, please give us a call at 906-863-7814. We look forward to welcoming you soon!
We also offer merchant services that simplify transactions for your business. Imagine processing payments quickly and efficiently, allowing you to focus on what you do best serving your customers and driving sales. With tools tailored for every size of operation, we ensure you have access to the financial resources necessary to succeed. At Integra First, we believe in building lasting partnerships with our local business community. We are here to provide guidance and support every step of the way. Visit us today to learn how we can assist you in reaching your business goals!
Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently do not have any member or non-member commercial loans, our focus remains on understanding the unique needs of local businesses.
While we currently do not offer ATM or drive-thru services at this branch, our dedicated team is here during lobby hours on Monday, Wednesday, and Friday from 11 AM to 3 PM to assist you with any inquiries you may have. You can reach us at (906) 863-7814 for more information or visit our website at https://www.integrafirstfcu.com/ for additional resources. At Integra First, we're not just about transactions; we're about building relationships. We're proud to serve our community and look forward to helping you achieve your financial dreams. If you're interested in becoming a member or want more details about our services, don't hesitate to visit us or check out our membership application here. Let's take the next step together!
For our business members, we offer specialized services that cater to your unique needs. Our business banking options include merchant services that help streamline payment processing, as well as various types of business loans designed to support your growth and operational needs.
In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features. You can access your accounts from anywhere, pay bills, transfer money, and even make person-to-person payments with ease. We're committed to ensuring that managing your finances is not only easy but also secure.
Our personal banking services are designed to support your financial journey. With checking and savings accounts, you can easily manage your daily expenses while saving for future goals. Need a vehicle? Our auto loans and vehicle financing options make it simple to get behind the wheel of your dream car without breaking the bank. We also offer mortgage loans and refinancing solutions to help you secure a home or lower your current payments. If you're facing unexpected expenses, our personal loans and debt consolidation options provide a way to regain control over your finances. Plus, our credit cards with rewards allow you to earn points on every purchase, making your spending work for you.
Total Share and Deposit Accounts: 20,330, showing a strong and growing member base that trusts us with their finances. This trust fuels our mission to provide exceptional service tailored to your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Integra First is your trusted partner. Visit us at 2101 18Th St Menominee Mi 49858 or call (906) 863-7814 to learn more about how we can help you achieve your financial goals.
We also take pride in having 26 full-time employees and 6 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Each member of our staff is dedicated to helping you navigate your financial journey.
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. This commitment to our members extends to our operations as well.
Members' savings are secured through $27,301,951 in share certificates and $18,197,109 in money market shares, offering stable and rewarding financial growth opportunities. This means your funds are not only safe but also working for you in ways that matter.
Our $32,859 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. This ensures that you can rely on us now and in the future.
With a net worth of $11,786,535, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.01% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.
With $11,716,322 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This strategy allows us to grow while keeping your best interests at heart.
We have $1,685 in used auto loans and $77,688,671 in total loans and leases, demonstrating our capacity to support your financial goals across various sectors. Whether you're looking to buy a car or need financing for other needs, we've got you covered.
Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $23,378,715 in used vehicle loans and $6,653,885 in new vehicle loans to help members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used car, we're here to support you with flexible terms and competitive rates.
For those who need ongoing access to funds, our total credit lines amounting to $10,500,000 provide peace of mind knowing that financial support is available when needed most. This option is ideal for managing larger purchases or unexpected expenses without the hassle of applying for multiple loans.
Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $1,523,901. Whether you are a first-time homebuyer or looking to refinance an existing mortgage, our dedicated team can guide you through the process and help find the right solution for your needs.
If you're considering refinancing your current loan or mortgage for better terms or lower payments, we offer options that could save you money over time. Our team is ready to discuss eligibility requirements and how refinancing could benefit your financial situation. At Integra First, we pride ourselves on providing personalized service and clear information so that you can make informed decisions about your finances. For more details on how we can assist you with any of our loan products or refinancing options, please don't hesitate to contact us at (906) 863-7814 or visit our website at Integra First. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.
Managing everyday expenses is easier with our flexible unsecured credit card loans. We currently have $4,051,814 in these loans helping members effectively manage their finances. With competitive rates and no collateral required, our credit card offerings are designed to fit your lifestyle while allowing you to build your credit history.
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