Lake Huron Credit Union Saginaw MI | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Lake Huron, your trusted partner in financial well-being, located at 1540 Tittabawassee Rd, Saginaw, MI 48604. Since our establishment in 1959, we have been committed to serving our community with integrity and dedication. With a robust membership of 6,661 and total assets reaching an impressive $80,644,974, we pride ourselves on being a stable and reliable choice for your banking needs. At Lake Huron, we understand that every member's financial journey is unique. That's why we offer a variety of services tailored just for you from personal banking solutions like checking and savings accounts to auto loans, mortgages, and even business banking options. With total deposits amounting to $6,516,634 and a net worth of $11,093,930, our credit union stands strong to support you through every step of your financial life. While members can visit us at our branch address above, official correspondence should be sent to P.O. Box 5385, Saginaw, MI 48603. Our dedicated team of 27 employees, led by our CEO Beverly Lee and Board President Steve Willett, is always ready to assist you. Whether you prefer face-to-face interactions or utilizing our online banking features including mobile payments and e-statements we're here for you. Our commitment extends beyond just numbers; it's about making a difference in the lives of our members. Each loan we provide (with a total of 5,688 loans currently active) represents someone's dream be it buying a car or financing a home. We believe that together we can build a thriving community. Ready to experience personalized service and community-focused banking? Give us a call at (989) 752-5214 or visit us online at lhcu.org to learn more about how we can help you achieve your financial goals today!

Branch History & Mission

Commitment to Innovation

As technology evolves, so do we. Our commitment to providing digital solutions means you can manage your finances anytime through online banking and mobile applications. Whether it's making payments or checking balances on-the-go, we prioritize convenience without sacrificing security. With ATM availability and shared service center options for easy transactions with partner credit unions, we ensure that accessing your funds is simple and straightforward.

Join Us

Join us today at Lake Huron and experience the difference of being part of a community-focused credit union. Whether you're looking for reliable financial advice or innovative banking solutions, we're here to help you every step of the way. For more information or to open an account online, visit us at lhcu.org or call us at 989-752-5214. Together, let's build a brighter financial future!

Our Mission

At Lake Huron, our mission is clear: we strive to empower our members through personalized financial solutions that foster growth and stability. We believe that everyone deserves access to quality banking services that cater to their unique needs. That's why we offer a wide range of products including checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking services. We are not just about transactions; we are deeply invested in the communities we serve. Our outreach programs aim to support local initiatives and partnerships that make a difference in the lives of our members and neighbors. We are proud to embrace inclusivity by ensuring ADA compliance and enhancing accessibility across all services.

Branch Location & Accessibility

Accessibility Features

At Lake Huron, we prioritize accessibility for all our members. Our branch is fully ADA compliant, ensuring that everyone can easily navigate our space. We offer ample parking right outside the entrance, so you won't have to worry about finding a spot when you visit.

Operating Hours

We understand that your time is valuable. That's why we've tailored our operating hours to fit your schedule. You can visit us Monday and Tuesday from 9:00 AM to 5:30 PM, Wednesday from 10:00 AM to 5:30 PM, and Thursday through Friday from 8:00 AM to 6:00 PM. On Saturdays, we're open from 8:00 AM to 1:00 PM for those who need to bank on the weekend.

Services Offered

Lake Huron offers a variety of services designed with your convenience in mind. Need cash? We have an ATM available for quick withdrawals and balance checks. While we don't have a drive-thru service, our friendly staff is always ready to assist you inside the branch. Plus, if you're a member of another participating credit union, you can enjoy basic shared services here as well! If you have any questions or need assistance, don't hesitate to call us at 989-752-5214. We're here to help! Come visit us today and experience how banking can be both convenient and personal at Lake Huron.

Member Eligibility

At Lake Huron, we believe that everyone deserves to be part of a caring and supportive financial community. Joining us is easy and open to those who live, work, worship, or attend school in the Saginaw area. If you're related to someone who already is a member, you can also join! This inclusive approach means more people can access our range of services designed to help you achieve your financial goals. To learn more about the specific eligibility criteria, feel free to check out our detailed information at https://www.lhcu.org/lhcu-membership . Once you're ready to become a member, opening an account is just a few clicks away! You can start the process online by visiting https://loans.itsme247.com/184/home/start . If you have any questions or need assistance along the way, don't hesitate to give us a call at (989) 752-5214. We're excited to welcome you to Lake Huron, located at 1540 Tittabawassee Rd Saginaw Mi 48604, where your financial well-being is our priority!

Business Banking & Commercial Services

Merchant Services that Work for You

In today's fast-paced market, having efficient merchant services can make a significant difference. Imagine processing payments seamlessly while keeping your cash flow steady. Our solutions help streamline transactions so you can focus on what matters most: running your business successfully. Come visit us at 1540 Tittabawassee Rd Saginaw Mi 48604 in Saginaw, MI or call us at (989) 752-5214 to discover how we can support your business journey!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM Services and Shared Branching

Need cash on the go? Our ATM services allow for quick withdrawals and balance checks without hassle. Additionally, as part of shared branching networks, members can perform basic transactions like deposits and withdrawals at partner credit unions across the country. Whether you're interested in opening an account or exploring loan options, our friendly team at Lake Huron is ready to assist you. Feel free to reach out via phone at (989) 752-5214 or visit us during our operating hours: Monday through Tuesday from 9 AM - 5:30 PM; Wednesday from 10 AM - 5:30 PM; Thursday from 8 AM - 5:30 PM; Friday from 8 AM - 6 PM; Saturday from 8 AM - 1 PM. We invite you to experience the commitment and community spirit at Lake Huron where our members come first! For more information about our services or to get started with us today, visit our website or stop by!

Business Banking Services

At Lake Huron, we don't just support individuals; we also cater to local businesses. Our business banking services include merchant services and business loans tailored for entrepreneurs looking to grow their operations. We know how hard you work, and we're here to help make managing your business finances easier.

Credit Cards and Personal Loans

For those unexpected expenses or when you need a little extra cash flow, our personal loans and debt consolidation options are designed with your needs in mind. Plus, don't forget about our credit cards with rewards! They not only provide purchasing power but also offer benefits that can enhance your everyday spending.

Digital Banking Features

In today's fast-paced world, having access to banking services anytime is crucial. That's why Lake Huron offers robust online and mobile banking features. With easy access to your accounts, you can transfer funds, pay bills, and check balances from anywhere right from your smartphone or computer.

Home Financing Options

If homeownership is on your horizon, we offer mortgage loans and refinancing solutions that can help turn your dreams into reality. We understand how important this milestone is, which is why we work hard to provide competitive rates and personalized service. Our mortgage experts will walk you through the options available, ensuring you choose the right fit for your lifestyle.

Personal Banking Solutions

For those looking to manage their day-to-day finances, our personal banking services include checking and savings accounts designed for convenience and flexibility. Whether you're saving for a rainy day or managing your monthly expenses, our accounts offer features that help you stay on top of your finances. When it comes to larger purchases, such as buying a vehicle, we provide auto loans and vehicle financing options that make the process straightforward. Imagine driving off in your dream car without the stress of complicated loan terms. Our team is here to guide you through every step.

Digital & Online Banking

Key Features

Our online banking platform allows you to check balances, transfer funds, and pay bills from the comfort of your home or on the go. You can also enjoy the benefits of e-statements, which are not only eco-friendly but also help you stay organized by providing easy access to your financial information whenever you need it. If you're always on the move, our mobile application is perfect for you! It supports mobile payments, letting you make quick purchases directly from your smartphone. Plus, with person-to-person transfers, sending money to friends and family is just a few taps away no cash needed! Security is our top priority. We use advanced encryption technologies to ensure that your personal and financial information remains safe. While we don't currently support electronic signature authorization, we focus on providing secure methods for all your transactions. In addition to these features, our online banking tools are user-friendly and accessible. Whether you're checking your account balance or setting up automatic payments, you'll find everything straightforward and easy to navigate. With Lake Huron's digital banking services, you're empowered to manage your finances effectively while enjoying peace of mind knowing that your information is protected. Explore more about our offerings by visiting us at https://www.lhcu.org/ !

Financial Strength

Growing Together

Total Share Accounts stand at 16,813, illustrating a strong and growing member base that trusts us with their finances. Additionally, Net Shares (Funds available for lending and investments) amount to $288,724, further strengthening our position. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Lake Huron is your trusted partner. Visit us at 1540 Tittabawassee Rd Saginaw Mi 48604 or call (989) 752-5214 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

With $11,093,930 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 significant; with $1,035 in used auto loans and $56,948,220 in total loans and leases, we support your financial goals across various sectors.

Member-Centric Savings

Members' savings are secured through $18,704,026 in share certificates and $12,426,724 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $3,730,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our financial performance is reflected in our $0, showcasing our operational efficiency which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 23 full-time employees and 4 part-time employees who ensure that our branches are always ready to serve you with a knowledgeable, committed team.

Solid Foundation

With a net worth of $11,093,930, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,376 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 $15,876,676 in used vehicle loans and $4,397,066 in new vehicle loans already helping members get on the road. Whether you're looking for financing for a brand-new model or a reliable used vehicle, our team is here to guide you through the process. Plus, if you're considering refinancing your current auto loan, we can assist you in exploring your options to potentially lower your monthly payments.

Credit Lines

For those who prefer flexibility in borrowing, our credit lines provide an accessible option with a total availability of $10,000,000. This allows you to draw funds as needed while only paying interest on what you use. It's ideal for managing unexpected expenses or funding personal projects without the stress of fixed payments. For any questions regarding our loan offerings or assistance with applications, feel free to contact us at 989-752-5214 or visit us at our branch located at 1540 Tittabawassee Rd Saginaw Mi 48604. Our friendly staff is ready to assist you during our operating hours: Monday through Tuesday from 9 AM to 5:30 PM; Wednesday from 10 AM to 5:30 PM; Thursday from 8 AM to 6 PM; Friday from 8 AM to 5:30 PM; and Saturday from 8 AM to 1 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. Explore how Lake Huron can support your financial journey today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $2,009,435. This means you can secure financing for your dream home with ease. We provide competitive rates and flexible terms to fit your budget and lifestyle. If you're interested in refinancing your existing mortgage to take advantage of better rates or terms, we have solutions tailored just for you.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging at times. That's why we also offer flexible terms on unsecured credit card loans, with a total of $1,817,016 in loans helping members manage their finances effectively. With no collateral required and straightforward repayment plans, our unsecured credit cards are designed to give you the financial freedom you need.

Loan Aggregator

Ensuring 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 commitment to transparency means that users receive fair and transparent offers without hidden agendas.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. - 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 for users. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions allow users to 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!" This type of feedback highlights how effective LendMesh is in helping people secure better loans. 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.

LAKE HURON CREDIT UNION - Saginaw, MI