Lafcu Charlotte MI Credit Union | Best Auto Loans & Business Banking

Introduction

At Lafcu, we believe in building strong financial futures for our community. Located at 1553 Lansing Rd, Charlotte, MI 48813, our branch has been serving members since 1936. With a total membership of over 74,000 and assets exceeding $1.12 billion, we are committed to providing exceptional service and support to help you achieve your financial goals. Under the leadership of CEO Patrick Spyke and Board President Randall Freeman, our dedicated team of 165 employees is here to assist you with a wide range of financial services. We proudly offer personal banking options, including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Whether you're looking to finance a new vehicle or need assistance with debt consolidation, we've got you covered. While members can visit us at our Charlotte branch for in-person service, official correspondence should be directed to our mailing address: P.O. Box 26188, Lansing, MI 48909-6188. We invite you to experience the benefits of being part of Lafcu where your financial well-being is our top priority. With total deposits of $142 million and a net worth of $233 million, we ensure that your money is safe and sound. Our commitment to transparency and member satisfaction makes us a trusted choice for all your banking needs. Ready to get started? Give us a call at 517-622-6600 or visit our website at www.lafcu.com for more information. Let us partner with you on your financial journey!

Branch History & Mission

At Lafcu, our journey began in 1936 in the heart of Charlotte, MI. Over the decades, we've grown into a trusted financial partner for our community. Our branch, located at 1553 Lansing Rd, has been a cornerstone for many families and businesses in the area. With a rich history marked by dedication and service, we are proud to have built lasting relationships with our members. Today, we serve over 74,000 members and manage total assets exceeding $1.12 billion. Our mission is simple yet powerful: to provide exceptional financial services while fostering community growth and support. We believe that everyone deserves access to quality banking solutions that empower them to achieve their goals. This commitment drives us to offer a wide range of products from personal checking and savings accounts to auto loans, mortgages, and business banking solutions. While members can visit us at 1553 Lansing Rd, official correspondence should be sent to P.O. Box 26188, Lansing, MI 48909-6188. We ensure that our services meet modern needs; this includes convenient online banking options, mobile payments, and ADA-compliant facilities that cater to all members of our community. Our operating hours are designed with your convenience in mind: Monday through Friday from 9:00 AM to 5:30 PM and Saturday from 9:00 AM to 12:00 Noon. Additionally, we proudly offer ATM availability and drive-thru banking for those who prefer quick access. Community engagement is at the heart of everything we do. We actively participate in local events and initiatives aimed at making Charlotte a better place for everyone. Through partnerships with local organizations and outreach programs, we strive to uplift our neighbors and foster a spirit of cooperation. As we continue to grow and adapt in an ever-changing financial landscape, we invite you to join us at Lafcu. Experience firsthand how we can help you secure your financial future while being part of a community-focused credit union that truly cares. Together, let's build a brighter tomorrow! For more information or to become a member today, visit us online at lafcu.com or give us a call at 517-622-6600.

Branch Location & Accessibility

Accessibility Features

At Lafcu, we prioritize accessibility for all our members. Our branch features ADA-compliant ramps and parking spaces so everyone can enjoy a comfortable visit. You can rest assured that our staff is ready to assist you with any special needs during your time here.

Connect With Us!

Have questions or need assistance? Feel free to give us a call at (517) 622-6600. We invite you to stop by our Charlotte branch; our friendly team is excited to meet you and help with all your banking needs!

Operating Hours

We're open Monday through Friday from 9:00 AM to 5:30 PM and Saturdays from 9:00 AM to 12:00 Noon. This schedule gives you flexibility whether you prefer visiting during the week or on weekends.

Services Offered

Our branch provides a wide range of services tailored just for you! From personal banking with checking and savings accounts to auto loans and mortgages, we have something for everyone. Need cash quickly? Enjoy the convenience of our ATM services, as well as drive-thru banking available for simple transactions like deposits and withdrawals. If you're looking for business solutions, we offer merchant services and business loans too! We're dedicated to helping you manage your finances effectively no matter what stage of life you're in.

Member Eligibility

At Lafcu, we believe that becoming a member means joining a welcoming community where you can thrive and feel supported. If you're curious about membership, the good news is that many people qualify! Typically, anyone who lives, works, or worships in our local area can join us. We take pride in serving our members, providing them with tailored financial services and a personal touch that larger institutions often miss. To learn more about who can become part of our family, feel free to check out the detailed eligibility criteria at . When you're ready to open an account and start enjoying the benefits of membership, the process is simple and straightforward. You can get started online anytime by visiting https://onlinebanking.lafcu.com/enroll. If you have any questions or need assistance, don't hesitate to reach out to us at (517) 622-6600. We're here to help you every step of the way!

Business Banking & Commercial Services

Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $154 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $269 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $21,894,233, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, our merchant services help streamline your payment processes. Imagine being able to accept payments effortlessly, whether you're at a bustling market or running an online store. Our tools empower you to handle transactions smoothly, ensuring you never miss a sale. Located at 1553 Lansing Rd Charlotte Mi 48813 in Charlotte, MI, we're here to help your business thrive. Reach out to us at (517) 622-6600 for personalized assistance tailored to your unique needs. Let's grow together!

Comprehensive List Of Services

Auto Loans and Vehicle Financing

If you're considering a new vehicle, our auto loans and vehicle financing options can help you hit the road without breaking the bank. With competitive rates and flexible terms, we aim to make your car-buying experience smooth and stress-free. Picture driving off in your dream car knowing you've secured an affordable loan that fits within your budget.

Business Banking Services

For entrepreneurs and business owners in Charlotte, our business banking services include merchant services and business loans tailored to help your company thrive. We know how crucial it is for businesses to have reliable banking solutions; that's why we're committed to supporting local enterprises.

Convenient Access Points

Accessibility is key at Lafcu. We provide ATM services for easy cash withdrawals and basic transactions without the hassle of waiting in line. For those who prefer face-to-face interactions but need quick service, our drive-thru banking allows you to conduct simple transactions swiftly. With operating hours designed around your busy schedule Monday through Friday from 9:00 AM to 5:30 PM and Saturday from 9:00 AM until noon it's easier than ever to access the services you need when you need them. In summary, whether it's personal finance solutions or business support, Lafcu is here for you every step of the way. Our commitment goes beyond just offering services; we strive to build lasting relationships with our members based on trust and understanding. Ready to take charge of your financial future? Contact us today at (517) 622-6600 or visit us at 1553 Lansing Rd Charlotte Mi 48813! Explore more about what we offer by visiting our website at Charlotte.

Credit Cards with Rewards

Our credit cards not only come with attractive rewards but also provide peace of mind with competitive interest rates. Imagine earning points on every purchase that can be redeemed for travel, cash back, or gift cards all while building your credit score!

Mortgage Loans and Refinancing

For those dreaming of homeownership, our mortgage loans offer a pathway to making that dream a reality. We also provide refinancing options for existing mortgages, helping you lower your monthly payments or tap into equity for other needs. Our expert team is here to guide you through each step, ensuring you understand all available options.

Personal Banking Solutions

Starting with personal banking, we offer checking and savings accounts tailored to fit your lifestyle. Whether you're saving for a rainy day or managing daily expenses, our accounts come with features that make banking easy and convenient. Imagine having the ability to manage your finances from the comfort of your home through our online and mobile banking platforms. You can check balances, transfer funds, and even pay bills all at your fingertips!

Personal Loans and Debt Consolidation

Life can throw unexpected expenses your way. That's where our personal loans come in handy. They're perfect for everything from emergency repairs to debt consolidation. If you're juggling multiple debts, consolidating them into one manageable payment could be a smart move helping you save both time and money.

Digital & Online Banking

Convenient Payment Options

Need to send money to a friend? With our person-to-person transfer feature, sending cash has never been easier. Just a few taps on your phone, and the money is on its way! If you prefer mobile payments, you'll love how easy it is to pay for purchases directly from your phone using our mobile payments feature. At Lafcu, we are committed to providing modern banking solutions that fit your lifestyle. Explore all these features today and see how easy banking can be!

Easy Access Anytime, Anywhere

With our 24/7 online banking services available at https://www.lafcu.com/, you can check your balance, transfer funds, and pay bills whenever it suits you. You don't have to worry about banking hours; your account is always just a tap away. Our mobile application makes it even easier to manage your money while you're out and about.

Secure Transactions

Security is a top priority for us. Enjoy peace of mind knowing that your transactions are protected with advanced security features. Plus, with electronic signature authorization, signing documents is quick and hassle-free. You can trust that your information is safe as you navigate through our user-friendly platform.

Stay Updated with E-Statements

Say goodbye to paper clutter! Our e-statements are not only environmentally friendly but also provide you with instant access to your account statements right from your device. Keep track of your finances without the hassle of physical paperwork.

Financial Strength

A Growing Community

Total Share and Deposit Accounts: 141,099, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $20,668,631. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Lafcu is your trusted partner. Visit us at 1553 Lansing Rd Charlotte Mi 48813 or call (517) 622-6600 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $297,176,269 in share certificates and $164,745,557 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 operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 150 full-time employees and 15 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting in Your Future

With $223,970,523 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to lending is highlighted by $22,213 in used auto loans and $793,253,010 in total loans and leases, supporting members' financial goals across various sectors.

Solid Financial Health

With a net worth of $233,029,516, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $2,071 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 $370,303,566 in used vehicle loans and $82,613,550 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, making it easier than ever to drive away in the car you want.

Business Loans

For business owners, our outstanding commercial loans totaling $21,894,233 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance an existing one, our loan products are tailored to support your business's success.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $22,847,159, make buying or refinancing simple. We can guide you through the process and help you find the right loan that fits your budget.

Refinancing Options

If you're considering refinancing any existing loans for better rates or terms, we're here to help you explore eligibility options that could save you money in the long run. At Lafcu, located at 1553 Lansing Rd Charlotte Mi 48813 in Charlotte, MI, we prioritize providing personalized service and support throughout your borrowing experience. For more information on our loan offerings or to discuss your specific needs, please call us at (517) 622-6600. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your financial journey is important to us, and we're here to help every step of the way.

Unsecured Credit Card Loans

For those managing everyday expenses or unexpected costs, we also offer flexible terms on unsecured credit card loans, with a total of $33,320,605 in loans helping members manage their finances effectively. Our credit cards are designed to give you peace of mind while shopping or handling emergencies.

Loan Aggregator

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