Jolt Credit Union Midland MI | Best Auto Loans & Business Banking

Introduction

At Jolt, we believe in empowering our members and fostering a strong sense of community. Located at 2106 N Saginaw Rd, Midland, MI 48640, our branch is dedicated to providing personalized financial services that meet your unique needs. Since our establishment in 1956, we've grown to serve over 27,800 members with a commitment to excellence and trust. With total assets exceeding $459 million and deposits reaching $36,884,854, Jolt stands as a pillar of financial stability. Our lending portfolio includes more than 21,200 loans, reflecting our dedication to supporting individuals and families in their journey towards financial well-being. Additionally, we proudly maintain a net worth of $44,144,649, ensuring that we can continue to invest in our members' futures. While you can visit us at our Midland branch for all your banking needs, please note that official correspondence should be sent to our mailing address: 6180 State St, Saginaw, MI 48603. Our CEO, Alan Watson, along with Board President Robert Looby, leads a dedicated team of 113 employees who are here to assist you with everything from personal banking and auto loans to business financing solutions. Whether you're looking for checking accounts, savings options, or credit cards with rewards, we have tailored solutions just for you. We invite you to experience the Jolt difference firsthand. Feel free to reach out at (989) 799-8744 or explore our website at joltcu.com for more information. Your financial future starts here!

Branch History & Mission

Commitment to Excellence

As technology advances, so do we. Our digital banking options include online banking and mobile payment solutions that ensure convenience and security for all members. We adhere to ADA compliance standards to make sure everyone can access our services without barriers. In addition, our branch features a drive-thru service for quick transactions and an ATM available around-the-clock for your convenience. Our team is committed to providing exceptional service during our operating hours: Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 12:00 PM. If you have questions or need assistance, feel free to call us at 989-799-8744. We invite you to become part of the Jolt family! Join us today and experience firsthand how we can help you achieve your financial goals while making a positive impact in your community. Visit us online at Jolt Credit Union or stop by the branch we look forward to serving you!

Our Mission

Our mission at Jolt is simple yet impactful: to empower our members through quality financial services while giving back to the community. We believe that everyone deserves access to affordable banking solutions that foster growth and stability. Whether it's personal banking through checking and savings accounts or loans for vehicles and homes, we are here to guide you every step of the way. We also place great emphasis on community support. Over the years, we've partnered with various local organizations to uplift those in need and enhance the well-being of our neighborhoods. Our commitment extends beyond numbers; it's about building relationships and making a real difference in people's lives.

Branch Location & Accessibility

Additional Services

We know that sometimes life gets busy. That's why we offer a drive-thru service for quick transactions like deposits and withdrawals. If you need cash after hours or just prefer the ease of an ATM, we have one conveniently located on-site as well! While members can visit us at 2106 N Saginaw Rd, official correspondence should be sent to our mailing address at 6180 State St, Saginaw, MI 48603.

Connect With Us

If you have any questions or need assistance before your visit, don't hesitate to reach out at 989-799-8744. Our friendly team is always ready to help! Come by Jolt's Midland Branch today we're excited to help you achieve your financial goals!

Easy Access and Parking

Our branch offers ample parking spaces right outside, making it hassle-free for you to pop in and handle your banking needs. Plus, we are committed to ensuring everyone can visit us comfortably. Our facility is fully ADA compliant with ramps and accessible entrances, so all members of our community can enjoy our services without worry.

Operating Hours That Fit Your Schedule

At Jolt's Midland Branch, we value your time. That's why our lobby is open Monday through Friday from 9:00 am to 5:00 pm, and we also welcome you on Saturdays from 9:00 am until noon. This gives you plenty of opportunities to come in during the week or grab some quick banking on your Saturday errands.

Member Eligibility

At Jolt, we believe that joining our community should be an exciting and welcoming experience. To become a member, you simply need to meet a few friendly criteria. If you live, work, worship, or attend school in our local area, you're likely eligible! We aim to support our members with a range of financial services designed for your needs, whether it's checking accounts, loans, or credit cards. For more detailed information about eligibility requirements, feel free to visit our website at . Getting started is easy! You can open your account online in just a few steps by visiting https://joltcu.symapp.jhahosted.com/ or give us a call at (989) 799-8744 for assistance. Our team is here to help you every step of the way as you take this important step towards becoming part of the Jolt family. We're excited to have you with us!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $19 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $942,114, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services designed to simplify payment processing for your business. Imagine having a system that allows you to accept payments easily, giving your customers more ways to shop with you. This means faster transactions and happier customers essential ingredients for any thriving business. If you're located near us at 2106 N Saginaw Rd Midland Mi 48640 in Midland, MI, let us partner with you to fuel your business ambitions. Contact us today at (989) 799-8744 to explore how our tailored financial solutions can help you achieve your goals!

Comprehensive List Of Services

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why Jolt offers robust online and mobile banking features. Check balances, transfer funds, and pay bills from anywhere at any time. Our ATM services allow for easy cash withdrawals and balance checks without needing to step inside the branch.

Drive-Thru Services

For those quick transactions, take advantage of our basic drive-thru banking options. Whether it's deposits or simple withdrawals, we make it easy for you to get in and out efficiently. At Jolt, we are committed to ensuring that every member has access to essential financial tools in a way that suits their lifestyle. With our friendly staff ready to assist you during operating hours Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 12:00 PM you can always find the help you need. Ready to take the next step? Call us at (989) 799-8744 or visit us at our branch in Midland. Explore how our comprehensive range of services can enhance your financial well-being today!

Loans and Credit Options

Need extra cash? Our personal loans can assist with everything from unexpected expenses to debt consolidation, helping you regain control of your finances. Plus, with our credit cards featuring rewards programs, you earn while spending on things you already buy. For business owners, we understand that managing cash flow is vital. That's why we provide business banking services including merchant services and business loans designed to support your growth.

Personal Banking

Our personal banking services are designed to simplify your financial life. With checking and savings accounts, you can easily manage your funds and save for the future. If you're thinking about purchasing a new car, our auto loans and vehicle financing options provide flexible terms that can fit any budget. We also offer mortgage loans and refinancing solutions to help you secure the home of your dreams or lower your current mortgage payments.

Digital & Online Banking

Key Features

One standout feature is our electronic signature authorization, allowing you to sign documents securely from the comfort of your home. Plus, with e-statements available, you can say goodbye to cluttered mailboxes and keep all your important documents organized digitally. Are you looking for quick ways to send money? Our person-to-person transfers make it easy to send cash to friends or family without the hassle of writing checks or dealing with cash. Just a few taps on your device, and you're done!

Mobile Banking at Your Fingertips

For those on the go, our mobile payments feature lets you use your smartphone for purchases quickly and safely. While we currently do not have a mobile application available, rest assured that our website is optimized for mobile use, ensuring that you can manage your finances from any device. At Jolt, we're committed to providing accessible and secure banking solutions tailored for you. Experience the ease of managing your finances in real time while enjoying peace of mind knowing that your information is protected. Join us today and take control of your banking experience!

Financial Strength

Commitment to Operational Efficiency

Our $69,639 net income 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 105 full-time employees and 8 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Growing Member Base

Total Share Accounts stand at an impressive 67,158, showing a strong and growing member base that trusts us with their finances. With available funds for lending and investments totaling $1,098,556, we are prepared to meet your diverse financial needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Jolt is your trusted partner. Visit us at 2106 N Saginaw Rd Midland Mi 48640 or call 989-799-8744 to learn more about how we can help you achieve your financial goals.

Investment in Member Services

With $38,054,460 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to lend is reflected in our $255,427,922 total loans and leases, which support members' financial goals across various sectors.

Secure Savings Options

Members' savings are secured through $79,900,798 in share certificates and $77,602,267 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $1,142,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $44,144,649, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 960 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

Additional Offerings

For business owners looking for growth opportunities, our outstanding commercial loans totaling $942,114 provide the capital needed for expansion. Plus, our credit lines with an impressive total of $70,000,000 can help you manage cash flow and unexpected expenses. If you're considering refinancing or want more information about eligibility options for any of our loan products, don't hesitate to ask our friendly staff. We're dedicated to providing personalized service and finding the right solutions for you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Jolt, we are committed to supporting our community with comprehensive loan solutions that meet your diverse needs. Visit us today to learn more about how we can help you achieve your financial aspirations!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have provided over $57,064,508 in used vehicle loans and $19,718,870 in new vehicle loans already helping members get on the road. Whether you're looking for financing for a brand-new vehicle or a reliable pre-owned option, we're here to support you every step of the way.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $17,647,688, ensuring that your path to owning a home is as smooth as possible.

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans. With a total of $12,048,771 in unsecured credit card loans helping members manage their finances effectively, you'll find our offerings tailored to fit your lifestyle.

Loan Aggregator

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JOLT CREDIT UNION