Journey Credit Union Ovid MI | Affordable Auto Loans & Business Banking

Introduction

Welcome to Journey, your trusted financial partner in the heart of Ovid, Michigan! Located at 1090 Baese Ct, Ovid, MI 48866, we have proudly served our community since 1972. With a strong commitment to our members and a total membership of over 17,448, we strive to create financial solutions that meet your unique needs. At Journey, we understand that every financial journey is different. That's why we offer a range of services tailored for you from personal banking options like checking and savings accounts to specialized loans for auto financing and mortgages. With total assets exceeding $177,792,811 and deposits amounting to $19,203,899, our financial health reflects our dedication to supporting you. Our leadership team, including CEO Jeffrey Kusler and Board President Christopher Kowatch, fosters an environment focused on trust and transparency. We're proud to have a dedicated staff of 38 employees ready to assist you with personalized service. While members can visit us at 1090 Baese Ct, official correspondence should be sent to the same address for your convenience. Whether you're looking for support with loans (we currently manage 11,989 loans) or seeking advice on saving strategies, we're here for you. Don't hesitate to reach out! Call us today at (989) 834-9800 or visit our website at Journey to learn more about how we can help you achieve your financial goals. Your journey starts here!

Branch History & Mission

Community Engagement

Journey Credit Union is more than just a financial institution; we are deeply invested in the communities we serve. Through various partnerships and outreach initiatives, we actively contribute to local development projects and support local charities. Our commitment extends beyond banking we aim to make a positive impact on the lives of those around us. In today's digital world, we also embrace technology while ensuring accessibility for all members. Our online banking platform allows for easy account management anytime, anywhere. For those who prefer in-person service, we proudly offer drive-thru banking and ATM access for quick transactions.

Join Us

As Journey continues to grow and adapt with the times, we invite you to become part of our story. Experience the benefits of being a member of Journey Credit Union where your financial journey begins with community spirit and dedicated service. Together, let's build a brighter future for you and your family! For more information or to open an account today, please visit our website or call us at (989) 834-9800.

Our Mission

At Journey Credit Union, our mission is clear: we strive to enhance the financial well-being of our members while fostering strong community ties. We believe in offering personalized banking solutions tailored to individual needs. From checking and savings accounts to auto loans and mortgages, we prioritize customer satisfaction and aim to make banking simple and accessible for everyone. While members can visit us at 1090 Baese Ct Ovid Mi 48866, official correspondence should be sent to 1090 Baese Ct, Ovid, MI 48866. Our operating hours are designed with your convenience in mind, open Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 12:00 PM.

Branch Location & Accessibility

Connect with Us

If you have questions or need assistance, don't hesitate to reach out! You can give us a call at 989-834-9800. We invite you to come in and discover how Journey Credit Union can help make your financial journey smoother. We look forward to seeing you soon!

Convenient Access and Amenities

At our Ovid Branch, we prioritize your convenience. Enjoy hassle-free parking right outside the door, ensuring you have a smooth experience from the moment you arrive. We are proud to be ADA compliant, featuring ramps and accessible entrances to accommodate all our members. Whether you're stopping by for a quick transaction or looking to explore our array of financial services, you'll find that our operating hours are designed with you in mind. Our lobby is open Monday through Friday from 9:00 AM to 5:00 PM, and we welcome you on Saturdays from 9:00 AM until noon for drive-thru service.

Services Tailored to Your Needs

We offer a range of services to meet your personal and business banking needs. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. For added convenience, our branch features both ATM access and drive-thru banking options for quick deposits and withdrawals. While members can visit us at our Ovid location for all their banking needs, any official correspondence should be sent to the same address: 1090 Baese Ct, Ovid, MI 48866.

Member Eligibility

At Journey, we believe that everyone deserves a place where they can thrive financially, and becoming a member is your first step into our welcoming community. Joining us is easy and open to individuals who live, work, worship, or attend school in the Ovid area. We want to ensure that you feel valued and supported as you manage your financial journey. To learn more about the specific eligibility criteria, feel free to visit our website at . Once you see how simple it is to become part of our family, you'll want to take the next step! Opening an account with us means access to a variety of benefits designed just for you, including personal banking services, auto loans, and even online banking options. If you're ready to get started or have any questions along the way, don't hesitate to give us a call at (989) 834-9800. You can also check out the account opening details here: https://loans.itsme247.com/354/home/start. We can't wait to welcome you!

Business Banking & Commercial Services

Lending Solutions

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

In addition to loans, we offer comprehensive merchant services that can streamline payment processing for your business. Picture this: a busy Saturday afternoon at your store, and customers are ready to check out. With our merchant services, transactions are quick and hassle-free, allowing you to focus on what matters most serving your customers. Whether you're just starting or looking to expand, Journey is here to help you navigate the financial landscape with confidence. Visit us at 1090 Baese Ct Ovid Mi 48866 in Ovid, MI, or call us at (989) 834-9800 for more information on how we can support your business goals!

Comprehensive List Of Services

Credit Cards & Business Banking

For those who love rewards, our credit cards with rewards allow you to earn points on everyday purchases, turning spending into savings. For our business members, we offer essential services including merchant services and business loans tailored to support local entrepreneurs.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we emphasize our online and mobile banking capabilities. Manage your accounts from anywhere, anytime pay bills, transfer funds, and check balances all at your fingertips. Plus, with our ATM services available for cash withdrawals and balance checks, accessing your money has never been easier.

Drive-Thru & ATM Services

We understand that sometimes you need quick service without leaving your car. Our basic drive-thru banking provides an efficient way to handle deposits and withdrawals during lobby hours from Monday through Friday (9:00 AM - 5:00 PM) and Saturday (9:00 AM - 12:00 PM). If you prefer using an ATM, you'll find reliable access for quick transactions whenever it suits you. At Journey, we're committed to making banking as accessible as possible. With a dedicated team ready to assist you at every turn, we ensure that financial solutions are just a phone call away at 989-834-9800. Ready to take the next step in your financial journey? Visit us today or explore our services online at Journey's website. Let us partner with you in achieving your financial goals!

Personal Banking

Navigating personal finances can be overwhelming, but at Journey, we simplify it. Our checking and savings accounts are designed with you in mind, offering easy access and competitive interest rates. Need help with larger purchases? Our auto loans and vehicle financing options make it easier than ever to get behind the wheel of your new ride without breaking the bank. If you're considering buying a home or refinancing your current mortgage, our mortgage loans provide flexible terms that suit your situation. We also offer personal loans and debt consolidation options, helping you manage expenses more effectively.

Digital & Online Banking

E-Statements and Mobile Features

Say goodbye to paper clutter! We provide e-statements that let you view your account statements electronically, giving you quick access while helping the environment. And if you're always on the go, our mobile payments feature allows you to make purchases directly from your smartphone with ease. While we currently don't have a dedicated mobile application, our online banking is fully optimized for mobile use. You can navigate it just as easily on your phone or tablet as you would on a computer.

Person-to-Person Transfers

Need to send money to a friend or family member? Our person-to-person transfer service makes it simple. With just a few taps, you can transfer funds securely and quickly no need for cash or checks. At Journey, we prioritize making banking accessible for everyone. Whether you're managing bills at home or making transactions on the go, we've got the tools you need to stay in control of your finances with confidence. Explore all that we offer by visiting https://www.journeyfcu.org/ today!

Financial Strength

At Journey, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share the robust financial health of our Ovid branch, located at 1090 Baese Ct, Ovid, MI 48866. You can reach us at 989-834-9800 for any questions or assistance. 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. 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. 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 supports members' financial goals across various sectors with $42,230 in used auto loans and $116,061,670 in total loans and leases. Our success is reflected in our operations as well. Our net income of $928,685 showcases our operational efficiency while 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 team. Net Shares (Funds available for lending and investments): $1,330. Total Share Accounts: 38,608, showing a strong and growing member base that trusts us with their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. 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 1090 Baese Ct or call 989-834-9800 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 make it easy for you to drive away in the vehicle you want without breaking the bank.

Credit Lines and Business Financing

For those who need extra flexibility in managing expenses or running a business, our total credit lines amount to $34,000,000. Additionally, for business owners seeking growth opportunities, our outstanding commercial loans totaling $149,072 provide the capital needed to expand operations.

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. With flexible terms and competitive rates, we are here to help you secure your dream home.

Refinancing and Eligibility Options

If you're considering refinancing any existing loans or exploring eligibility options for new ones, our team is ready to assist you through every step of the process. Explore how our diverse loan offerings can meet your financial needs today! For more details about our services or to apply for a loan online, visit us at Journey FCU. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $4,916,715 in loans helping members manage their finances effectively. This is a great option if you're looking for accessible credit without needing collateral.

Loan Aggregator

Ensuring Accurate Comparisons

Loan data on LendMesh is sourced 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 commitment ensures that all offers presented are fair and transparent. Each lender listed meets stringent regulatory guidelines, allowing users to trust the accuracy of the information they receive.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness and user satisfaction that comes with using this service. 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.

Journey