Lafcu Saint Johns MI Credit Union | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Lafcu, your trusted partner in financial growth and community support! Located at 2317 S Us Highway 27, Saint Johns, MI 48879, our branch has been serving members since 1936. With a strong commitment to enhancing the lives of our 74,055 members, we pride ourselves on providing personalized banking solutions tailored to your unique needs. As part of our dedication to transparency and trust, we are pleased to share that Lafcu currently boasts total assets of over $1.12 billion, with deposits totaling $142,358,104. This financial strength allows us to offer competitive rates on a variety of loans including personal loans, mortgages, and auto financing reflecting our commitment to helping you achieve your financial goals. With 52,153 loans and leases under management, we ensure that there's an option for everyone! At Lafcu, we understand the importance of community impact. Under the leadership of CEO Patrick Spyke and Board President Randall Freeman, our team of 165 employees is dedicated to fostering relationships built on trust and reliability. Our values center around you the member and we strive to provide exceptional service whether you're visiting us in person or utilizing our online banking services. While you can always reach us at our physical location for face-to-face interactions, please note that official correspondence should be directed to our mailing address: P.O. Box 26188, Lansing, MI 48909-6188. We invite you to explore what Lafcu can do for you! Whether you're interested in opening a new account or simply have questions about our services like personal banking options or business loans feel free to give us a call at 517-622-6600 or visit our website at lafcu.com. Together, let's navigate your path toward financial success!

Branch History & Mission

Community Focus

Community outreach is at the heart of what we do. We believe that by supporting local initiatives and forming partnerships with other organizations, we can make a meaningful impact on the lives of those around us. Whether it's sponsoring local events or providing educational resources on financial literacy, we take pride in being an active participant in the growth of our community. With total assets amounting to $1,120,737,143, we are well-positioned to support not only individual members but also local businesses looking for financial assistance through business loans and merchant services. In addition to conventional banking services, we provide a range of solutions tailored specifically for personal and business needs alike. Our knowledgeable team is here to help guide you every step of the way.

Join Us

As we look forward to the future, we remain dedicated to building lasting relationships within the community. We invite you to join us at Lafcu where you're not just a number but part of a family that truly cares about your financial well-being. Experience the difference with us today! For more information or assistance, don't hesitate to call us at (517) 622-6600 or explore our website at http://www.lafcu.com.

Our Mission

At Lafcu, our mission is simple yet powerful: we are committed to providing exceptional financial services while fostering a supportive community environment. Our core belief is that banking should be accessible and beneficial for everyone, not just a select few. We strive to offer services that range from checking and savings accounts to auto loans and mortgage financing, all designed with your needs in mind. We understand the importance of innovation in today's world; that's why we have embraced technology with features like online banking, mobile payments, and electronic signatures. Our commitment also extends to ensuring that all members can easily access our services through ADA compliance initiatives.

Branch Location & Accessibility

Convenient Access

Our branch is designed with accessibility in mind. We offer ample parking spaces, ensuring that you have a hassle-free experience when visiting us. Plus, we're proud to be ADA compliant, featuring ramps and accessible entrances to serve all members of our community comfortably.

Drive-Thru Convenience

For those on the go, our drive-thru banking service allows you to handle deposits and withdrawals without leaving your car. It's perfect for busy days when you need a quick solution without stepping inside. If you have any questions or need assistance, don't hesitate to give us a call at 517-622-6600. Our friendly staff is here to help you every step of the way! While members can visit us at our branch address, please send official correspondence to P.O. Box 26188 in Lansing if needed. We invite you to stop by Lafcu today and experience exceptional service tailored just for you!

Operating Hours & Services

At Lafcu, we understand that life can get busy. That's why we are open Monday through Friday from 9:00 AM to 5:30 PM and offer Saturday drive-thru services from 9:00 AM until noon. You can easily stop by during your lunch break or swing by on the weekend for any banking needs. We provide a range of services tailored to fit your lifestyle, including personal banking options such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Our ATM is available for quick cash withdrawals and balance checks whenever you need them.

Member Eligibility

At Lafcu, we believe in creating a welcoming community where everyone can thrive. If you're interested in becoming a member, you'll be pleased to know that eligibility is open to anyone who lives, works, worships, or attends school in our local area. This inclusive approach means that joining us is just a step away for many in the community. By becoming a member of Lafcu, you gain access to a variety of financial services tailored to meet your needs, from checking and savings accounts to loans and credit cards with rewards. To kick off your membership journey, simply visit us at our branch located at 2317 S Us Highway 27 Saint Johns Mi 48879 or give us a call at (517) 622-6600. You can also check out more about the eligibility criteria on our website at . Once you're ready to open an account, you can easily start the process online by following the link here: https://onlinebanking.lafcu.com/enroll. We're excited to welcome you into our community!

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 $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 are designed to simplify daily operations for businesses. Imagine being able to accept payments seamlessly, allowing you to focus on what you do best serving your customers. From credit card processing to online payment solutions, our services help improve cash flow and increase sales. Located at 2317 S Us Highway 27 Saint Johns Mi 48879 in Saint Johns, MI, we're here to partner with you in achieving your business goals. For inquiries, call us at (517) 622-6600. Let's work together to build a prosperous future!

Comprehensive List Of Services

Business Banking Solutions

For our business members, we offer specialized Business Banking services, including Merchant Services and Business Loans. We know that running a business comes with its own set of challenges, so we work hard to ensure that you have access to the resources necessary for success.

Convenient Digital Banking Options

In today's fast-paced world, convenience is key. That's why we offer Online & Mobile Banking services. You can manage your accounts anytime, anywhere whether it's checking balances or transferring funds on the go. Plus, with ATM & Cash Withdrawal Services available at numerous locations, accessing your money has never been easier.

Making Home Ownership Accessible

Thinking about buying a home? Our Mortgage Loans & Refinancing services are tailored to meet your unique needs. We strive to make the process as straightforward as possible, offering expert guidance along the way. With various mortgage products available, including options for first-time buyers, you'll feel empowered to take this important step toward home ownership.

Personal Banking Made Easy

Whether you're opening your first checking account or looking for a savings solution, our personal banking services cater to all stages of life. Our Checking & Savings Accounts offer competitive interest rates and easy access to your funds, ensuring you can manage your everyday expenses with confidence. If you find yourself dreaming about a new car, our Auto Loans & Vehicle Financing options provide flexible terms and rates that can fit any budget.

Quick Transactions at Your Fingertips

For those who prefer in-person service, our Basic Drive-Thru Banking offers quick and efficient transactions such as deposits and withdrawals without leaving your vehicle. And if you need cash but don't want to stop by the branch, our Basic ATM Access allows for easy withdrawals and balance checks right when you need it. At Lafcu, we're committed to making banking simple and accessible for everyone in our community. Feel free to reach out at (517) 622-6600 if you have any questions or would like more information about any of our services. We invite you to visit us at 2317 S Us Highway 27 Saint Johns Mi 48879 or explore more online at St. Johns. Join us today and discover how we can help enhance your financial journey!

Rewards That Matter

If you're considering how best to manage your spending while earning rewards, check out our Credit Cards with Rewards program. It's not just about making purchases; it's about earning points that can lead to valuable perks.

Support for Your Financial Goals

Life sometimes throws unexpected challenges your way. Our Personal Loans & Debt Consolidation services are here to help you regain control over your finances. Whether you need extra cash for an emergency or want to simplify your payments through debt consolidation, we've got you covered.

Digital & Online Banking

Key Features

Our online banking platform allows you to view your account balances, transfer funds, and pay bills with just a few clicks. No more waiting in line or rushing to the bank before closing time! You can even enjoy the ease of electronic signatures for authorizations, making it simple to complete transactions securely from home. If you're always on the go, our mobile application is perfect for you. It supports mobile payments, allowing you to make purchases quickly and securely right from your phone. Plus, with person-to-person transfers, sending money to friends and family is as easy as a text message.

Security and Accessibility

We take your security seriously. Our online services are protected with advanced security measures so that you can manage your accounts confidently. E-statements are also available, helping you keep track of your transactions without the clutter of paper statements. Whether you're checking your balance while sipping coffee or transferring money during a lunch break, our user-friendly features ensure that managing your finances fits seamlessly into your busy life. Experience the freedom and flexibility of digital banking with Lafcu today!

Financial Strength

At Lafcu, 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 insights into our strong financial foundation, which is designed to support you, our valued member. 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. 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. 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 lending capacity supports your financial goals across various sectors with $22,213 in used auto loans and $793,253,010 in total loans and leases. Our operational efficiency is evident with a reported $0, which allows 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. Net Shares (funds available for lending and investments) stand at $20,668,631. The total share accounts reflect a strong and growing member base that trusts us with their finances currently totaling 141,099 accounts. 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 2317 S Us Highway 27 Saint Johns Mi 48879 or call (517) 622-6600 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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. Whether you're interested in financing a brand-new vehicle or a reliable pre-owned option, we have flexible terms that suit your budget.

Business Solutions

For business owners, our outstanding commercial loans totaling $21,894,233 provide the capital needed to grow and expand. We understand the challenges that come with running a business and are committed to supporting our local entrepreneurs.

Credit Card Options

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 come with benefits designed to fit your lifestyle while providing the financial flexibility you need.

Eligibility and Refinancing Options

If you're considering refinancing an existing loan or want to learn more about eligibility options for any of our products, don't hesitate to reach out. Our team is ready to discuss how we can tailor our services to meet your specific needs. You can visit us at our branch located at 2317 S Us Highway 27 Saint Johns Mi 48879, Saint Johns, MI, or give us a call at (517) 622-6600 for more information. We're here Monday through Friday from 9:00 AM to 5:30 PM and Saturday from 9:00 AM to 12:00 Noon. 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 Lafcu, we are committed to helping you navigate your financial journey with ease and confidence!

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 provide personalized service and competitive rates to ensure you feel confident throughout your journey towards owning your home.

Loan Aggregator

How LendMesh Ensures Accurate Loan Comparisons

LendMesh stands out in the crowded field of loan comparison tools due to its commitment to accuracy and integrity: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency and reliability in the information presented. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that truly reflect the best options available. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can easily compare their options and make informed decisions without delay. 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!" This kind of feedback highlights how effective LendMesh is at helping individuals secure better loan terms. 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.*

Lafcu