Introduction
Welcome to Limestone Financial, your trusted credit union located at 131 River St, Manistique, MI 49854. Established in 1954, we have proudly served our community for decades, growing to a membership of over 4,733 members who rely on us for their financial needs. With total assets exceeding $77 million and deposits of approximately $9.3 million, we are committed to providing you with personalized financial services designed to help you thrive. At Limestone Financial, we understand that banking is more than just transactions; it's about building relationships within our community. Our dedicated team of 27 employees, led by CEO Jennifer Watson and Board President James Blanchard, works tirelessly to ensure that you receive the best possible service. We offer a range of financial products including personal loans, auto financing, mortgage options, and business banking services. For any official correspondence, please send your mail to 131 River St, Manistique, MI 49854, which is the same as our branch address. Our doors are open from Monday through Friday from 8:30 AM to 4:30 PM and Saturday from 9:00 AM to 12:00 PM. Whether you're looking for assistance with everyday banking or exploring new opportunities for growth, we're here for you. With a net worth of over $8 million and cash on hand amounting to around $519,460, our solid financial standing allows us to focus on what matters most our members. We invite you to visit us or call us at (906) 341-5866 today to learn how we can assist you on your financial journey!
Branch History & Mission
Limestone Financial has been a cornerstone of the Manistique community since it opened its doors in 1954. With a mission to serve our members and uplift our community, we have proudly grown into a trusted financial partner for thousands of individuals and families in the region. Today, we have over 4,700 members who rely on us for their financial needs, supported by total assets of approximately $77.7 million. Located at 131 River St, Manistique, MI 49854, our branch is easy to find. We're just a stone's throw from the scenic Manistique River, making it convenient for local residents to visit us. While members can come to us at this address, official correspondence should be sent to the same location. From our humble beginnings, Limestone Financial has evolved significantly. Over the years, we have introduced a range of services tailored to meet the diverse needs of our members. Whether it's personal banking solutions like checking and savings accounts or loans for vehicles and homes, we aim to empower our members with smart financial choices. We also offer business banking services that cater to local entrepreneurs and small businesses. Our mission goes beyond just providing financial services; we strive to make a positive impact in our community. We actively engage in outreach programs and partnerships that support local initiatives and charities, ensuring that we contribute to the well-being of those around us. In addition to traditional banking services, we've embraced digital advancements for your convenience. Members can enjoy online banking, mobile payments, and ATM access available right here at our branch. Our commitment to accessibility includes ADA compliance and customer-friendly features like drive-thru service for quick transactions. At Limestone Financial, we're not just about numbers; we're about relationships. Under the leadership of CEO Jennifer Watson and Board President James Blanchard, our team is dedicated to providing exceptional service every day. Our operating hours are Monday through Friday from 8:30 AM to 4:30 PM and Saturday from 9:00 AM to 12:00 PM, making it easy for you to stop by when it's convenient. We invite you to become part of the Limestone Financial family. Join us today and discover how we can help you achieve your financial goals while supporting each other in this wonderful community!
Branch Location & Accessibility
Welcome to Limestone Financial, your friendly neighborhood credit union located at 131 River St in the heart of Manistique, MI. Our branch is easy to find and conveniently situated near local landmarks, making it simple for you to stop by whenever you need financial assistance or services. Whether you're here for personal banking or business needs, we're ready to help! At Limestone Financial, we understand that accessibility is key. Our branch features accessible parking and ADA-compliant entrances, ensuring that everyone can easily reach us. Plus, with a drive-thru service available, you can complete your transactions without leaving your vehicle. Our operating hours are designed with your busy schedule in mind. We're open Monday through Friday from 8:30 AM to 4:30 PM and Saturday from 9:00 AM to 12:00 PM. This way, you have plenty of opportunities to visit us at a time that works best for you. In addition to our welcoming atmosphere and helpful staff, we offer a range of services including checking and savings accounts, auto loans, mortgage refinancing, and more. Need cash on the go? Our ATM is always available for quick withdrawals or balance checks. While members can visit us at our branch address, official correspondence should be sent to the same address: 131 River St, Manistique, MI 49854. If you're looking for a reliable partner in your financial journey, we invite you to call us at 906-341-5866 or drop by our branch today. At Limestone Financial, we're here for you!
Member Eligibility
Becoming a member of Limestone Financial is like joining a close-knit family that's dedicated to supporting your financial journey. If you live, work, or worship in the Manistique area, you're likely eligible to join us! We welcome individuals who share our values and goals, making it easy for you to access our wide range of services designed just for you. At Limestone Financial, you can enjoy benefits such as competitive loan rates and personalized banking options tailored to your needs. To learn more about what it takes to become a member, check out the detailed eligibility criteria. When you're ready to take the next step, opening an account is straightforward just give us a call at (906) 341-5866, and our friendly team will guide you through the process. We're excited to welcome you into our community at Limestone Financial, located at 131 River St Manistique Mi 49854!
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 $8 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $1,820,553, we continue to drive economic growth by financing new and expanding businesses.
Merchant Services
In addition to loans, we offer comprehensive merchant services designed to simplify your payment processing. Imagine being able to accept payments easily from your customers, whether they pay by card or mobile app. Our merchant services ensure that you can focus on what you do best running your business while we handle the transactions securely and efficiently. Visit us at 131 River St Manistique Mi 49854 in Manistique, MI, or call us at (906) 341-5866 to learn more about how our business banking services can support your goals. Let's work together to grow your business!
Comprehensive List Of Services
Accessibility
Our branch features both an ATM and drive-thru service for added convenience during regular hours: Monday through Friday from 8:30 AM to 4:30 PM and Saturday from 9:00 AM to 12:00 PM. If you ever have questions or need assistance, don't hesitate to reach out to us at 906-341-5866.
Business Banking
For small business owners, we offer comprehensive business banking services, including merchant services and business loans. We know that running a business comes with its own set of challenges, which is why we aim to simplify banking for you.
Digital Banking Convenience
We recognize that today's world demands convenience. That's why at Limestone Financial, we have embraced technology to enhance your banking experience. With our online and mobile banking, you can manage your accounts anytime, anywhere. Whether you want to check your balance or transfer funds between accounts, it's all just a few clicks away. Additionally, our ATM and cash withdrawal services make accessing your funds straightforward. You can also utilize our basic drive-thru banking for quick deposits, withdrawals, and simple transactions without leaving your car.
Final Thoughts
At Limestone Financial, we're committed to making banking accessible and straightforward for everyone in the community. Our extensive range of services ensures that whether you're saving for the future or managing everyday expenses, we've got you covered. Ready to take the next step? Visit us today at our branch or explore more about what we offer online at Limestone Financial. We look forward to serving you!
Personal Banking
We understand that managing your money is a top priority. That's why we offer personal banking services like checking and savings accounts designed to fit your lifestyle. If you're considering buying a new car, our auto loans and vehicle financing options provide competitive rates that can make your dream ride a reality. For those looking to invest in a home, our mortgage loans and refinancing services can help you secure the best terms available. In addition to these core offerings, we also provide personal loans and debt consolidation solutions to assist you in achieving your financial goals. Our credit cards with rewards are perfect for members who want to earn while they spend.
Digital & Online Banking
At Limestone Financial, we understand that modern banking should be as convenient and secure as possible. That's why our digital and online banking services are designed to fit your busy lifestyle, allowing you to manage your finances anytime, anywhere. With our 24/7 Online Banking Services, you can access your accounts at any time through our user-friendly platform. Whether you're checking your balance, transferring funds, or paying bills, everything is just a few clicks away. You can find out more about these services. We also offer E-Statements for those who prefer a paperless approach. This feature allows you to receive your account statements electronically, making it easier to keep track of your finances without clutter. Plus, with Electronic Signature Authorization, signing documents online has never been simpler or more secure. If you're on the go, our Mobile Application lets you bank right from your smartphone. With features like Mobile Payments, you can make purchases directly from your device. Want to send money to a friend? Our Person-to-Person Transfers feature makes it easy to share funds instantly. We prioritize security in all our digital services. Your personal information is protected using advanced encryption methods, giving you peace of mind as you conduct transactions online or via our app. Embrace the ease of managing your finances with Limestone Financial's digital banking options. Enjoy real-time account management and a host of features tailored to enhance your banking experience!
Financial Strength
At Limestone Financial, 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 understand that trust is built on solid foundations, and we are proud to share our financial strengths with you. With a net worth of $8,131,295, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.46% 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 $25,248,914 in share certificates and $2,559,697 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 $7,985,325 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 reflected in the $61,145,632 total loans and leases available to support your financial goals across various sectors. Our operational efficiency shines through with a net income of $145,970, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 21 full-time employees and 6 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): $0. Total Share Accounts: 11,272, 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, Limestone Financial is your trusted partner. Visit us at 131 River St Manistique Mi 49854 or call 906-341-5866 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 $14,332,787 in used vehicle loans and $5,133,961 in new vehicle loans already helping members get on the road. We provide flexible terms and fast approvals to ensure you can drive away with confidence.
Business Loans
For business owners, our outstanding commercial loans totaling $1,820,553 provide the capital needed to grow and expand. We understand that running a business comes with unique challenges and opportunities; our team is ready to support your journey. If you're considering refinancing or exploring eligibility options for any of our loan products, don't hesitate to reach out. Our team is here to guide you through every step of the application process. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. For more information or assistance with any of our loan offerings, please call us at 906-341-5866 during our operating hours: Monday-Friday from 8:30 AM to 4:30 PM and Saturday from 9:00 AM to 12:00 PM. At Limestone Financial, we're committed to helping you succeed financially!
Mortgage Loans
Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $3,146,612, making buying or refinancing simple. We aim to make the process straightforward so that you can focus on settling into your new home.
Unsecured Credit Card Loans
We also offer flexible terms on unsecured credit card loans, with a total of $1,180,456 in loans helping members manage their finances effectively. These cards come with competitive rates and rewards that can benefit you as you navigate daily expenses.
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