Journey Credit Union Fowler MI | Best Auto Loans & Personal Banking

Introduction

Welcome to Journey, your trusted financial partner in Fowler, Michigan! Located at 10667 E 2Nd St Fowler Mi 48835, our credit union has been serving the community since 1972. Over the years, we have grown to support 17,448 members with a steadfast commitment to their financial well-being. With total assets of $177,792,811, we pride ourselves on being a reliable source for all your banking needs. At Journey, we believe that community matters. Our dedicated team of 38 employees, led by CEO Jeffrey Kusler and Board President Christopher Kowatch, works tirelessly to provide personalized services that cater to you. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, we're here to help you every step of the way. Our branch also holds a net worth of $16,525,317 and maintains cash in hand amounting to $1,437,890, ensuring that we can meet your financial needs promptly. We offer a range of services including online and mobile banking for your convenience. Plus, with total deposits at $19,203,899 and total loans reaching 11,989, we're committed to fostering a secure environment for your investments. While members can visit us at our branch location in Fowler, official correspondence should be sent to the same address for your convenience. If you have questions or would like more information about our services, don't hesitate to reach out! You can contact us at 989-593-4240 or explore our offerings further on our website Journey FCU. Join us as we continue to support our members and strengthen our community your journey towards financial empowerment starts here!

Branch History & Mission

A Legacy of Community Focus

Nestled at 10667 E 2Nd St, Fowler, MI 48835, Journey is more than just a financial institution; it's a cornerstone of the community. The branch's evolution reflects a dedication not only to financial growth but also to fostering strong relationships with the people it serves. From humble beginnings to becoming a trusted resource for personal and business banking services, Journey has consistently prioritized the needs of its members. The credit union's mission is clear: to empower individuals and families through accessible financial solutions while nurturing community well-being. This mission drives every initiative at Journey from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. Each service is designed with the member's best interests in mind.

Commitment to Service

Journey's operational hours reflect its commitment to accessibility. The lobby is open Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 12:00 PM. Members can also take advantage of convenient drive-thru services during these hours. For those who prefer digital banking solutions, Journey offers online and mobile banking options, ensuring that members can manage their finances anytime, anywhere. The branch also provides ATM services for quick cash access and basic transactions without stepping inside the building. Although there isn't a shared service center nearby, Journey makes every effort to ensure that members receive all necessary services efficiently at their location.

Community Outreach

Beyond traditional banking services, Journey actively engages in community outreach initiatives. The credit union partners with local organizations and participates in events that uplift residents and promote financial literacy. By investing in community programs and resources, Journey reinforces its role as more than just a financial provider it's a community partner dedicated to making Fowler a better place for everyone. While you can visit us at our main address for all your banking needs, please note that official correspondence should be directed to our mailing address at 10667 E 2nd St, Fowler, MI 48835-5139.

Join Us Today!

If you're looking for a credit union that puts you first while supporting your community, look no further than Journey Credit Union. We invite you to join our growing family and experience firsthand how we can help you achieve your financial goals. Together, we can build a brighter future for our members and our community! For more information or to get started today, call us at 989-593-4240 or visit our website at Journey FCU.

Branch Location & Accessibility

Accessibility Features

Our branch is designed with your comfort in mind. We offer ample parking for all members, including spaces for those with disabilities. Our facility is ADA compliant, featuring ramps and accessible entrances to ensure everyone can enjoy their banking experience without hassle.

Call to Action

Ready to take control of your financial future? Stop by Journey Credit Union's Fowler Branch today or give us a call at (989) 593-4240. Our friendly team looks forward to assisting you with all your banking needs!

Operating Hours

At Journey Credit Union, we understand that your time is valuable. That's why our lobby is open Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 12:00 PM. For those who prefer to bank on the go, our drive-thru service mirrors these hours, making it even more convenient for you to manage your finances without stepping inside.

Services Offered

We are proud to provide a wide range of services tailored to meet your needs. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, our knowledgeable staff is here to help. Plus, with ATM availability on-site, accessing cash has never been easier! While members can visit us at 10667 E 2Nd St Fowler Mi 48835, official correspondence should be sent to our mailing address at 10667 E 2nd St, Fowler, MI 48835-5139.

Member Eligibility

At Journey, we believe that everyone deserves a place to grow their financial future, and becoming a member is your first step into our welcoming community. To be eligible for membership, you simply need to live, work, worship, or attend school in the areas we serve. This inclusive approach means that many people can join us and enjoy the benefits of being part of our credit union family. Not only will you gain access to personalized financial services and support, but you'll also be part of a community that values your needs and aspirations. Opening an account with us is straightforward and designed to be as easy as possible. You can start this process online by visiting this link, or if you prefer a more personal touch, feel free to call us at (989) 593-4240. For detailed eligibility criteria and any updates, check out our website at . We're excited to welcome you to Journey, located at 10667 E 2Nd St Fowler Mi 48835, where your financial journey begins!

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 $2 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $49 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $149,072, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine streamlining your transactions while enhancing customer satisfaction. Our merchant services offer exactly that! By accepting various payment methods, you can cater to your customers' preferences, making each purchase easier and faster. Plus, with our reliable support, you'll never feel alone in managing your business's financial needs. Located at 10667 E 2Nd St Fowler Mi 48835 in Fowler, MI, we're here to empower your business journey. Connect with us today at (989) 593-4240 and discover how we can help turn your ambitions into reality!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Enjoy easy access with our ATM services that allow you to withdraw cash and check balances without hassle. Additionally, our drive-thru banking makes it simple for quick transactions like deposits and withdrawals without leaving your car. At Journey, we believe in making banking easy and accessible for everyone in Fowler. We invite you to stop by our branch at 10667 E 2Nd St Fowler Mi 48835 or give us a call at (989) 593-4240 if you have any questions about our services or need assistance getting started. Your journey towards better financial health begins here!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans provide competitive rates and flexible terms to help you get behind the wheel without breaking the bank. Whether you're eyeing a brand-new model or a reliable used vehicle, we'll work with you to find the right financing option.

Business Banking Options

We also support local businesses with specialized banking services including merchant services and business loans. If you're an entrepreneur looking for financial backing or tools to manage your cash flow, Journey is here for you.

Convenient Digital Banking Features

In today's fast-paced world, having access to your financial information anytime is crucial. That's why we offer robust online and mobile banking options. You can make deposits, pay bills, and even send money directly from your phone anytime, anywhere.

Credit Cards with Rewards

For those who enjoy earning while spending, our credit cards come with rewards programs that let you earn points for every purchase. This is perfect for everyday expenses or planning for your next vacation.

Mortgage Loans & Refinancing

Homeownership is one of the biggest milestones in life. At Journey, we offer mortgage loans that cater to first-time homebuyers as well as seasoned homeowners looking to refinance. Our team will guide you through the process, ensuring you understand every step and find a loan that fits your budget.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, Journey has you covered. We understand that managing finances can be challenging, which is why we offer easy-to-understand personal banking solutions. Our accounts come with features designed to simplify your life, such as online banking that lets you check balances and transfer funds at your convenience.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or need help managing debt, our personal loans can provide the relief you need. With straightforward terms, these loans can be an effective way to consolidate debt into one manageable payment.

Digital & Online Banking

E-Statements and Mobile Features

Say goodbye to paper clutter with our e-statements feature. You can access your statements anytime, anywhere, helping you stay organized while being eco-friendly. For those who prefer managing their finances on the go, we also offer mobile payments that let you make purchases directly from your smartphone. While we currently do not have a mobile application, you can still enjoy easy access through our website on any device. Our online banking system is user-friendly and designed to work seamlessly across all platforms.

Person-to-Person Transfers

Need to send money to a friend? Our person-to-person transfer service makes it simple and fast. Just a few taps on your device, and you're all set! This feature ensures that sharing expenses or sending gifts is as effortless as possible. In summary, at Journey, we are committed to providing accessible and effective digital banking solutions that cater to your needs. With 24/7 online services and features tailored just for you, managing your finances has never been this straightforward or secure. Join us today and experience the ease of modern banking!

Financial Strength

Committed Team

We also take pride in having 38 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. This dedicated staff is here to assist you with everything from personal banking to loan inquiries.

Growing Member Base

Total Share and Deposit Accounts stand at 38,608, showcasing a strong and growing member base that trusts us with their finances. The funds available for lending and investments amount to $1,330 in net shares. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Journey is your trusted partner. Visit us at 10667 E 2Nd St Fowler Mi 48835 or call 989-593-4240 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Members' savings are secured through $23,834,871 in share certificates and $48,298,758 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.

Solid Financial Health

With a net worth of $16,525,317, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 928% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Earnings and Lending Capacity

With $15,343,655 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our $42,300 in used auto loans and total loans & leases reaching $116,061,670 support members' financial goals across various sectors. Furthermore, our net income of $928,685 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Additional Loan Options

For business owners, our outstanding commercial loans totaling $149,072 provide the capital needed to grow and expand. Plus, if you're considering consolidating debt or refinancing existing loans, we have options available that may suit your needs. At Journey, we are committed to transparency and member satisfaction. Our experienced staff is ready to answer any questions you have about eligibility or refinancing options. To learn more about our loan products or to get started with an application, feel free to contact us at (989) 593-4240 or visit us at our branch located at 10667 E 2Nd St Fowler Mi 48835 in Fowler, 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 toward achieving your financial dreams!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $44,829,036 in used vehicle loans and $15,379,000 in new vehicle loans already helping members get on the road. Whether you're considering a brand-new model or a reliable pre-owned vehicle, our team is here to assist you every step of the way.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $5,093,071, make buying or refinancing simple. We provide guidance throughout the process, ensuring you understand your options and find the right fit for your budget.

Unsecured Credit Card Loans

Managing everyday expenses can be easier with our flexible unsecured credit card loans. With a total of $4,916,715 in loans helping members manage their finances effectively, we offer various features that can cater to your spending habits and help you stay on track financially.

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JOURNEY FEDERAL CREDIT UNION