Journey Credit Union Fowler MI | Affordable Vehicle Loans & Personal Banking

Introduction

Welcome to Journey, your trusted financial partner at our Fowler Branch located at 10667 E 2Nd St, Fowler, MI 48835. Since our establishment in 1972, we have dedicated ourselves to serving our community with integrity and commitment. With a robust membership of 17,448 members, we take pride in being more than just a credit union; we are a vital part of the Fowler community. At Journey, we understand the importance of financial stability and growth. Our total assets amount to an impressive $177,792,811, which reflects our strong position in the financial landscape. We have provided over 11,989 loans and leases, helping our members achieve their dreams whether it's buying a car, purchasing a home, or starting a business. Our commitment goes beyond numbers. We strive to create a positive impact within our community by offering personalized banking services that cater to your unique needs. With total deposits reaching $19,203,899 and net worth standing at $16,525,317, you can trust us to manage your funds responsibly while offering competitive rates on loans and savings. Our leadership team is here for you! Led by CEO Jeffrey Kusler and Board President Christopher Kowatch, we focus on building lasting relationships with our members. Together with our dedicated team of 38 employees, we work hard to ensure you receive top-notch service every time you walk through our doors or connect with us online. While you can visit us at our branch for all your banking needs, please note that any official correspondence should be sent to our mailing address: 10667 E 2nd St, Fowler, MI 48835-5139. Ready to take the next step towards achieving your financial goals? Give us a call at (989) 593-4240 or explore more about our services on our website here. Join us today and experience the Journey difference!

Branch History & Mission

Our Mission

Our mission is straightforward: to improve the financial lives of our members while giving back to the communities we serve. We strive not only to provide exceptional financial services but also to actively participate in local outreach efforts. Whether through partnerships with local organizations or hosting community events, Journey is dedicated to making a positive impact in Fowler and beyond. We believe that everyone deserves access to quality financial services regardless of their situation. This belief drives us to create products that are fair and accessible like personal loans, auto financing, mortgage options, and business banking services all designed with your needs in mind. As you consider joining us at Journey Credit Union, know that you'll be part of an organization that prioritizes your success. We invite you to visit us at our branch or reach out via phone at 989-593-4240 for any questions you may have about how we can help you achieve your financial goals. While members can visit us at 10667 E 2Nd St, official correspondence should be sent to 10667 E 2nd St, Fowler, MI 48835-5139 if needed. Join us today and experience firsthand how Journey Credit Union can be your partner on the path towards financial freedom!

Our Story

Journey began its journey in a humble setting at 10667 E 2Nd St, Fowler, MI 48835. Over the years, we have evolved alongside our community, adapting to meet the ever-changing needs of our members. Our growth reflects the trust placed in us by those we serve. Today, our friendly team is committed to providing personalized banking solutions that cater to every stage of life. In addition to our traditional banking services, we embrace modern technology. With online banking options and mobile payment capabilities, we ensure that our members can access their accounts anytime and anywhere. Our ATM is always available for quick withdrawals and balance checks, while our drive-thru service provides added convenience for simple transactions.

Branch Location & Accessibility

Additional Services

In addition to personalized service inside our branch, we also provide a drive-thru option for your convenience. Our drive-thru banking allows you to handle simple transactions like deposits and withdrawals without leaving your vehicle. Plus, our ATM services are available 24/7 for cash withdrawals and balance checks. If you need to send us official correspondence, please note that while members can visit us at the branch address mentioned above, official mail should be directed to our mailing address at 10667 E 2nd St, Fowler, MI 48835-5139.

Connect With Us

Ready to experience exceptional service? Give us a call at 989-593-4240 or visit us online at Journey FCU for more information about our services. We invite you to drop by the Journey Fowler Branch today we look forward to serving you!

Convenient Access and Features

At Journey, we prioritize accessibility. Our branch offers ample parking and is designed to accommodate everyone, including those with mobility challenges. You'll find ADA-compliant features such as ramps that ensure easy access for all members and visitors. We understand that life gets busy, which is why we offer flexible operating hours. Our lobby is open Monday through Friday from 9:00 AM to 5:00 PM and Saturdays from 9:00 AM to 12:00 PM. Whether you're coming in for a quick transaction or need assistance with a loan or account inquiry, our team is here to help during these hours.

Member Eligibility

At Journey, we believe that everyone deserves a place in our welcoming community. Becoming a member is simple and open to anyone who lives, works, or worships in our area. This means if you're part of our vibrant community here in Fowler, MI, you're likely eligible to join us! Membership brings a wealth of benefits, including personalized financial services, competitive loan rates, and access to a range of products designed with your needs in mind. Plus, as a member, you're not just a number; you become part of a family that cares about your financial well-being. To learn more about the specific eligibility criteria and what it takes to join us at Journey, feel free to visit our website at . When you're ready to take the next step toward membership, opening an account is easy! You can start the process by visiting https://loans.itsme247.com/354/home/start or giving us a call at (989) 593-4240. We're excited to welcome you into our community!

Business Banking & Commercial Services

Real-World Merchant Services

In today's fast-paced market, having the right tools can make all the difference. Our merchant services offer simple yet powerful solutions that help you streamline transactions and enhance customer experiences. Imagine being able to accept payments easily, manage sales data, and keep track of inventory all in one place. This not only saves you time but also lets you focus on what matters most: growing your business. Visit us at 10667 E 2Nd St Fowler Mi 48835 in Fowler, MI or call us at (989) 593-4240 to discover how we can partner with you on your journey to success!

Tailored Business Loans

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.

Comprehensive List Of Services

Business Banking Support

For small business owners in Fowler, we offer specialized business banking services including merchant services and business loans. We know how vital it is to have reliable financial support as you grow your business.

Convenience at Your Fingertips

Our branch located at 10667 E 2Nd St Fowler Mi 48835 is here for all your banking needs with lobby hours Monday through Friday from 9:00 AM to 5:00 PM and Saturday drive-thru hours from 9:00 AM to 12:00 PM. Our friendly staff is always ready to assist you with deposits, withdrawals, and simple transactions through basic drive-thru banking. In addition, we provide easy access to all these services through digital platforms. With options like online banking and mobile payments, managing your finances has never been easier. If you're interested in learning more about how Journey can support your financial journey, please reach out at (989) 593-4240 or visit us online at Fowler Branch. Join us today and experience personalized service designed just for you!

Credit Cards with Benefits

Our credit cards come with rewards that add value every time you spend. Whether it's cash back on everyday purchases or points towards travel, you'll find that using our credit card enhances your buying power while providing benefits.

Loans for Your Lifestyle

When it comes to financing big purchases or consolidating debt, Journey offers various loan options. Our auto loans and vehicle financing solutions make buying a new or used car more affordable than ever. If you're thinking about owning a home, our mortgage loans and refinancing options can help you secure the best rates available. For those unexpected expenses or projects, consider our personal loans which are designed to give you flexibility without breaking the bank.

Personal Banking Made Easy

We understand that managing money can sometimes feel overwhelming. That's why our personal banking services include checking and savings accounts designed to help you keep track of your finances effortlessly. Need quick access to funds? With our ATM and cash withdrawal services, you can get cash when you need it, right at your fingertips. Plus, our online and mobile banking features allow you to check balances, make transfers, and pay bills from the comfort of your home or on the go.

Digital & Online Banking

Key Features

Our online banking services are available 24/7, allowing you to check balances, transfer funds, and pay bills at your convenience. No more waiting in line or rushing to the bank before closing time! You can also enjoy the benefits of e-statements, which are not only eco-friendly but also give you quick access to your financial information whenever you need it. Plus, with our electronic signature authorization feature, signing documents has never been easier or more secure. For those on the go, our mobile payments feature lets you make transactions right from your smartphone. While we currently do not have a dedicated mobile application, you can still access our mobile-friendly website to manage your accounts effortlessly. Additionally, our person-to-person transfer service allows you to send money easily to friends and family without any hassle.

Security & Support

We prioritize your security and peace of mind. Our online banking platform is equipped with advanced security measures to keep your personal information safe. And if you ever have questions or need assistance, our friendly team is just a phone call away at (989) 593-4240. With Journey, managing your finances has never been simpler. Embrace the ease of digital banking today and discover how we can help make your financial journey smoother!

Financial Strength

Member Savings and Investments

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.

Operational Efficiency

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. 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.

Our 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 9.28% 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 Loans

With $15,343,655 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is also robust; with $42,308,036 in used auto loans and $116,061,670 in total loans and leases available to support our members' financial goals across various sectors.

Trust Built on Community

Total Share Accounts: 38,608, 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, 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.

Loan Offering

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. We offer flexible terms to make it easier for you to drive away with the vehicle you need.

Business Loans

For business owners, our outstanding commercial loans totaling $149,072 provide the capital needed to grow and expand your business. Whether you're looking for equipment financing or working capital, we are committed to supporting local businesses in our community. Our branch located at 10667 E 2Nd St Fowler Mi 48835 in Fowler, MI, is ready to assist you with any questions about eligibility options or refinancing solutions that may be available for your specific situation. You can reach us at (989) 593-4240 during our lobby hours from Monday to Friday, 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 12:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to helping you find the right loan product tailored just for you!

Credit Lines and Unsecured Credit Cards

We also provide total credit lines loans of $34,000,000, giving you access to funds when you need them most. Additionally, our flexible terms on unsecured credit card loans, with a total of $4,916,715 in loans, help members manage their finances effectively without the burden of collateral.

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. Whether you're a first-time buyer or looking to refinance your current mortgage, our team is here to guide you through the process.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This approach guarantees that users receive fair and transparent offers, allowing them to make informed financial decisions.

Benefits of Using LendMesh

Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. You can trust that the information presented is accurate and reliable. No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means you can compare loans without worrying about hidden agendas or biased recommendations. Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, making it easier to find the best options available. This immediacy helps you act quickly in a fluctuating market. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials underscore the value and reliability of using this tool. 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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