Integra First Credit Union Stephenson MI | Affordable Auto Loans & Business Banking

Introduction

Welcome to Integra First, your trusted financial partner located at S320 Us Highway 41, Stephenson, MI 49887. Established in 1948, our credit union has been committed to serving the community for over 75 years, fostering financial wellness and building lasting relationships with our members. With a robust membership of 11,464 and total assets reaching an impressive $130,800,140, we pride ourselves on being a reliable source of support for all your banking needs. At Integra First, we understand that every member is unique. That's why we offer a wide range of services tailored to meet your individual financial goals from checking and savings accounts to auto loans, mortgages, and credit cards with rewards. Our dedicated team of 32 employees, led by CEO Mindy Brezsko and Board President Marc Kleiman, is here to guide you on your journey toward achieving financial success. While members can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 433, Stephenson, MI 49887. If you have any questions or need assistance, don't hesitate to reach out at 906-753-4746. As a member-focused credit union, we are proud to hold a net worth of $11,786,535 and maintain healthy total deposits of $16,683,860. We also ensure that our members have access to their funds with confidence our cash in hand stands at $1,689,578. Explore how Integra First can help you achieve your financial dreams today! Visit our website at integrafirstfcu.com or stop by our branch during business hours: Monday through Friday from 8:30 AM to 5:30 PM and Saturday from 8:30 AM to 12:00 PM. Let us be the key to your financial success!

Branch History & Mission

Community Focus

We believe that being part of the community means more than just offering financial products; it's about building relationships and giving back. Our team regularly engages in outreach programs and local events, reinforcing our commitment to making Stephenson a better place for everyone.

Mission Statement

At Integra First, our mission is simple yet impactful: we strive to provide accessible banking services that meet the diverse needs of our members while contributing positively to the community we serve. We offer a range of services including personal banking, auto loans, mortgage options, and business banking solutions. Each product is designed with you in mind whether it's helping you buy your first car or financing your dream home.

Modern Convenience

Understanding the importance of convenience in today's fast-paced world, we offer digital banking options like online and mobile banking. Our branch is equipped with an ATM for easy cash access and provides drive-thru service for quick transactions without leaving your vehicle. These advancements help ensure that banking with us is both efficient and user-friendly. As we continue this journey together, we invite you to experience all that Integra First has to offer. Whether you are looking for personal banking options or seeking guidance on business solutions, our dedicated team is here to assist you every step of the way. Join us today and become part of a credit union that truly values its members and stands committed to their financial well-being! For more information or inquiries, feel free to contact us at 906-753-4746 or visit our website at Integra First. We look forward to welcoming you into our family!

Branch Location & Accessibility

Call to Action

Our friendly team is ready to assist you with all your banking needs from personal accounts and loans to business services. Don't hesitate to reach out! Give us a call at (906) 753-4746 or drop by our branch today. We look forward to welcoming you into the Integra First family!

Convenient Access and Features

At Integra First, we prioritize your convenience. We offer ample parking to ensure a hassle-free visit. Our facility is designed with accessibility in mind, featuring ADA-compliant ramps and pathways so everyone can enjoy our services without barriers. For those who prefer quick transactions, our drive-thru banking service makes it easy to deposit or withdraw cash without leaving your vehicle. Plus, we have an ATM on-site for your convenience anytime you need cash.

Operating Hours

We understand that life can be busy, which is why we keep our lobby open from Monday through Friday from 8:30 AM to 5:30 PM and on Saturdays from 8:30 AM to 12:00 PM. This flexibility allows you to visit us at a time that suits your schedule best.

Member Eligibility

Becoming a member of Integra First is like joining a caring community where your financial well-being comes first. If you live, work, worship, or attend school in the Menominee County area, you're likely eligible to join us! We welcome individuals from all walks of life, and our friendly team is here to help you every step of the way. Membership at Integra First not only opens the door to great products and services but also gives you a voice in how we operate. For detailed eligibility criteria, feel free to check out our resource at http://www.integrafirstfcu.com/e-services/online-applications/membership-application . Ready to take the next step? Opening an account with us is simple and straightforward. Just give us a call at (906) 753-4746, or visit our website for more information on how to get started: http://www.integrafirstfcu.com/apply_for_a_loan_155.html . We can't wait to welcome you into the Integra First family!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have $0 in member commercial loans and $0 in non-member commercial loans, we are eager to help local businesses find the right financing solutions when the time comes. Imagine having access to funds that can help you expand your operations, purchase new equipment, or manage day-to-day expenses without stress. Our team at Integra First is here to guide you through the loan process and find a plan that fits your budget and goals.

Merchant Services

In addition to loans, we offer merchant services designed to simplify payment processing for businesses. Picture this: you've just made a sale, but now you need an efficient way to accept payments from customers. With our merchant services, transactions become quick and easy allowing you more time to focus on what matters most: running your business. Located at S320 Us Highway 41 Stephenson Mi 49887, Stephenson, MI, we are proud to be part of this community and support its economic growth. If you're ready to take your business to the next level, give us a call at (906) 753-4746 or visit us today!

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash quickly? Our ATM services allow for easy withdrawals and balance checks without stepping inside the branch. Additionally, our basic drive-thru banking provides a quick way to handle deposits, withdrawals, and simple transactions without leaving your vehicle. As a member of Integra First, located at S320 Us Highway 41 Stephenson Mi 49887, we're dedicated to providing you with exceptional service every day of the week. Our friendly staff is here from Monday through Friday from 8:30 AM to 5:30 PM and Saturday from 8:30 AM to 12:00 PM to assist with any questions you may have. If you're ready to explore how we can help enhance your financial journey or if you'd like more information about any of our services, don't hesitate to give us a call at (906) 753-4746 or visit us online at Stephenson Branch. Join us today and experience the difference that personalized service can make!

Business Banking

For entrepreneurs and small business owners, Integra First provides comprehensive business banking solutions. From merchant services that simplify transactions to business loans that fuel growth, we are here to support your ambitions and help your business thrive.

Credit Solutions

Managing debt can feel overwhelming at times. That's where our personal loans and debt consolidation services come in handy. We offer flexible terms that fit your budget, helping you regain control over your finances. For everyday purchases or emergencies, consider applying for one of our credit cards with rewards, so every dollar spent works for you.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why Integra First offers robust online and mobile banking services. You can manage your accounts anytime, anywhere whether it's checking balances, making payments, or transferring funds between accounts. With features like mobile payments and person-to-person transfers, banking has never been easier.

Personal Banking

We understand that personal finance can be complex, which is why our personal banking services are designed with you in mind. Our checking and savings accounts provide a safe place for your money while allowing you to earn interest. If you're considering a new car or need funds for unexpected expenses, our auto loans and vehicle financing options make it easy and affordable. Plus, if you're thinking about buying a home, our mortgage loans and refinancing options can help turn your dream into reality.

Digital & Online Banking

Convenient Features

Our online platform includes features like e-statements, which let you go paperless and access your account statements easily. You can also use electronic signature authorization to sign documents securely without the hassle of printing or mailing them. This means less time waiting and more time enjoying life! Need to make payments on the go? Our mobile payments feature allows you to pay bills and send money quickly right from your smartphone. And if you're looking to share funds with friends or family, our person-to-person transfer service makes sending money as simple as sending a text.

Security You Can Trust

At Integra First, we prioritize your security. Our online banking services are fortified with robust security measures to protect your personal information and transactions. With features like two-factor authentication and encryption, you can rest easy knowing that your financial data is safe. In today's fast-paced world, having easy access to banking services is essential. With all these digital tools at your fingertips, managing your finances has never been easier or more secure! Explore our offerings today at https://www.integrafirstfcu.com/ and experience the ease of banking with Integra First!

User-Friendly Mobile Application

Stay connected with our mobile application, available for both iOS and Android devices. The app gives you real-time access to your accounts, allowing you to check balances, deposit checks, and track spending all from the palm of your hand. Plus, the user-friendly design ensures that navigating through your finances is a breeze.

Financial Strength

Commitment to Innovation

With $11,716,322 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports members' financial goals across various sectors with $77,688,671 in total loans and leases and $16,850,000 specifically for used auto loans.

Growing Membership Base

Total Share and Deposit Accounts stand at 20,330, showing a strong and growing member base that trusts us with their finances. Our commitment to serving you means that whether you're saving or borrowing, Integra First is your trusted partner. Our financial strength means we can continue serving you with confidence. Whether you're saving for a future goal or looking for the right loan option for your needs, Integra First is here to help. Visit us at S320 Us Highway 41 Stephenson Mi 49887 or call us at 906-753-4746 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

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. 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.

Operational Efficiency

Our $0 net income reflects our operational efficiency during this reporting period. 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 and committed team.

Strong Financial Health

With a net worth of $11,786,535, we maintain strong 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $23,378,715 in used vehicle loans and $6,653,885 in new vehicle loans already helping members get on the road. We provide flexible terms and options tailored to meet your needs, ensuring you drive away with confidence.

Credit Lines and Unsecured Loans

We also recognize that managing finances can be challenging. That's why we offer flexible terms on unsecured credit card loans, with a total of $4,051,814 in loans helping members manage their finances effectively. Additionally, our total credit lines amount to $10,500,000, providing even more flexibility for your borrowing needs. At Integra First, we're committed to supporting our community's financial health. If you're considering refinancing or exploring eligibility options for any of our loan products, don't hesitate to reach out. Our team is ready to assist you every step of the way. For more information or to discuss your options, please contact us at (906) 753-4746 or visit us at our branch located at S320 Us Highway 41 Stephenson Mi 49887, Stephenson, 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. Let us help you take the next step towards your financial success!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,523,901, make buying or refinancing simple. We are here to guide you through the process, offering competitive rates and personalized service.

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INTEGRA FIRST FEDERAL CREDIT UNION