Members First Credit Union Midland MI | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Members First Credit Union - Wackerly, your trusted financial partner located at 600 W Wackerly St, Midland, MI 48640. Established in 1936, we have proudly served our community for over 85 years, building lasting relationships with our 65,163 members. Our commitment is simple: to provide you with the best financial services tailored to your needs while ensuring a personal touch that makes you feel like family. While members can visit us at our branch, official correspondence should be sent to PO Box 2165, Midland, MI 48641-2165. At Members First Credit Union, we believe in transparency and integrity. With total assets of $838,451,592, total deposits reaching $18,382,797, and a robust net worth of $78,201,110, your finances are in safe hands. We also have a total loan portfolio of 59,077, which reflects our dedication to helping you achieve your financial goals. Led by our experienced CEO, Carrie Iafrate, and Board President Robert Cooper, our team of 247 employees is here to assist you every step of the way. We offer a wide range of services including personal banking solutions like checking and savings accounts, auto loans and vehicle financing, mortgage loans and refinancing options, as well as credit cards with rewards. Moreover, we pride ourselves on providing modern conveniences such as online and mobile banking services for easy access to your accounts anytime, anywhere. And with our ATM availability and drive-thru services, managing your finances has never been easier. At Members First Credit Union - Wackerly, we are more than just a financial institution; we are your neighbors and friends committed to making a positive impact in the Midland community. Ready to take the next step towards better financial health? Don't hesitate to reach out! Call us today at 855-835-6328 or visit our website at mfcu.net for more information on how we can help you thrive financially.

Branch History & Mission

Welcome to Members First, a proud part of the Midland community since 1936. Located at 600 W Wackerly St, Midland, MI 48640, our branch has been dedicated to serving its members with personalized financial services for over eight decades. As we've grown, so has our commitment to supporting the financial well-being of our members and the broader community. From our humble beginnings, Members First has evolved significantly. Over the years, we have expanded our services and offerings to meet the changing needs of our growing membership base, which now includes 65,163 individuals who trust us with their financial needs. With total assets reaching an impressive $838,451,592, we pride ourselves on being a financially strong and stable institution that members can rely on. At Members First, our mission is clear: we strive to empower our members through accessible financial solutions while fostering a sense of community. We believe in creating lasting relationships by providing exceptional service tailored to each individual's needs. Our diverse range of services includes personal banking such as checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking options. We also offer online and mobile banking for your convenience. Our commitment extends beyond just financial services; we actively participate in various community outreach initiatives that benefit local organizations and support those in need. By partnering with schools and charities in Midland, we aim to make a positive impact on the lives of our neighbors. While you can visit us at 600 W Wackerly St, official correspondence should be sent to PO Box 2165, Midland, MI 48641-2165. We are here to serve you during our operating hours: Monday through Tuesday from 8 a.m. to 5 p.m., Wednesday from 9 a.m. to 5 p.m., Thursday from 8 a.m. to 6 p.m., and Friday from 9 a.m. to 12:30 p.m. (drive-thru only). For your convenience, we also provide ATM access and drive-thru banking. We invite you to join the Members First family today! Experience how we put our members first by visiting us or calling us at 855-835-6328. Whether you're looking for financial guidance or simply want reliable banking services, we are here for you every step of the way.

Branch Location & Accessibility

Convenient Access and Parking

At Members First, we understand that accessibility is key. Our branch is designed with your convenience in mind, featuring ADA-compliant entrances and ample parking space. We strive to ensure that every member feels welcome and can easily access our services.

Operating Hours That Fit Your Schedule

We offer a variety of operating hours tailored to fit your busy lifestyle. You can visit us Monday through Wednesday from 8 a.m. to 5 p.m., on Thursday from 8 a.m. to 6 p.m., and on Friday from 9 a.m. to 12:30 p.m. for drive-thru services only. This flexible schedule allows you to handle your banking errands at a time that works best for you.

Reach Out Anytime

If you have any questions or need assistance, don't hesitate to give us a call at 855-835-6328. Our friendly staff is always ready to help you with any inquiries or concerns. We invite you to come by and experience the personalized service that sets Members First apart from the rest! While members can visit us at 600 W Wackerly St, official correspondence should be sent to PO Box 2165, Midland, MI 48641-2165. We look forward to seeing you soon!

Services Offered

Our branch provides a full range of services designed to help you manage your finances effectively. From checking and savings accounts to auto loans and mortgages, Members First has something for everyone. Need cash? We also have an ATM available for your convenience, so you can access funds quickly.

Member Eligibility

Becoming a member of Members First means joining a warm and welcoming community that truly cares about your financial well-being. To qualify for membership, you simply need to live, work, worship, or attend school in the Midland area, which creates an inclusive environment for everyone. It's all about connection and support here! Once you're ready to open an account, the process is straightforward just visit us at our branch located at 600 W Wackerly St Midland Mi 48640, or check out our website for more details on how to get started. If you have any questions or need assistance, don't hesitate to give us a call at (855) 835-6328. For further information on eligibility criteria, feel free to explore our detailed guidelines at https://mfcu-cloud.lending360.com/accountopening/application?continueapp=false&membershipid=407&key=vkn1%2bfr9f1m%3d#/thingsyouneed. We're excited to welcome you into the Members First family!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine having a reliable partner who can simplify your payment processes. Our merchant services offer everything from payment processing to point-of-sale solutions that streamline your daily operations. This means less time worrying about transactions and more time focusing on what you do best growing your business. Located conveniently at 600 W Wackerly St Midland Mi 48640, Midland, MI, our team is here to help you navigate the financial landscape with personalized service and expert advice. Reach out today at (855) 835-6328 to learn how we can support your business journey!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $297 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $76 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $28,610,984, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans offer competitive rates and flexible terms designed just for you. We're here to help make your vehicle financing process smooth and straightforward. Imagine driving off in your new car knowing you got the best deal possible!

Business Banking

For our business members, we offer specialized services such as merchant services and business loans to help you thrive in today's market. With tailored financial products designed for entrepreneurs like you, managing your business finances becomes much simpler.

Convenient Access

In addition to our branch services, Members First offers basic drive-thru banking for quick transactions like deposits and withdrawals without leaving your car. If you're ever in a rush or just prefer convenience, our drive-thru service is ready for you! If you're interested in exploring these services further or have any questions, don't hesitate to reach out! Call us at 855-835-6328 or visit us online at www.mfcu.net. We're excited to assist you in achieving your financial goals!

Credit Cards with Rewards

Enjoy shopping? Our credit cards come with rewards that let you earn points for every purchase you make. It's like getting paid for spending! Use them wisely and watch the benefits stack up.

Mortgage Loans & Refinancing

Buying a home can be daunting, but our mortgage loans are structured to simplify the process. We offer refinancing options too perfect for those looking to lower their monthly payments or take cash out of their home equity. Our knowledgeable staff will guide you through every stage of the mortgage journey.

Personal Banking

We understand that managing your money is important. That's why we provide various personal banking options including checking and savings accounts that fit your lifestyle. Need access to funds on-the-go? Our online and mobile banking services let you check balances, transfer money, and pay bills anytime from anywhere. Plus, with ATMs available for easy cash withdrawals and balance checks, accessing your money has never been easier.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's where our personal loans come in handy! Whether it's for medical bills, home repairs, or consolidating debt into one manageable payment, we have solutions to assist you during tough times.

Digital & Online Banking

Always Connected

Our mobile payments feature means you can pay for goods and services directly from your phone no need for cash or cards. Imagine grabbing coffee or groceries without fumbling through your wallet! With these tools at your fingertips, staying on top of your finances is not only easy but also enjoyable. Whether you're using our website or mobile app, you'll find that managing your money has never been more accessible. Join us at Members First to experience the future of banking today!

Key Features

With our 24/7 online banking services, you can check your balances, transfer funds, and pay bills whenever it suits you. Say goodbye to long lines and hello to convenience! Our mobile application takes this a step further, allowing you to manage your accounts right from your smartphone. Plus, with features like person-to-person transfers, sending money to friends or family has never been simpler. Security is a top priority for us. That's why we offer electronic signature authorization, ensuring that your transactions are safe and protected. You can also opt for e-statements, giving you a paperless way to keep track of your finances while helping the environment.

Financial Strength

At Members First, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With robust financial metrics and a commitment to serving our community, you can trust that your money is in good hands. With a net worth of $78,201,110, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 930% 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 $179,081,541 in share certificates and $217,039,605 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. Our impressive $58,643,751 in undivided earnings means we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, with $16,222 in used auto loans and an overall total of $616,853,698 in loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is reflected in our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 241 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): $3,176,936. Our total share accounts stand at 146,882, showcasing 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, Members First is your trusted partner. Visit us at 600 W Wackerly St Midland Mi 48640 or call 855-835-6328 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 $247,839,400 in used vehicle loans and $33,072,339 in new vehicle loans already helping members get on the road. We make it easy for you to finance your next vehicle with flexible terms and competitive rates.

Business Financing

For business owners seeking growth opportunities, our outstanding commercial loans totaling $28,610,984 provide the capital needed to expand operations or invest in new projects. We understand the unique challenges businesses face and are committed to offering solutions that work for you. Additionally, if you're considering refinancing any existing loans or need information on eligibility requirements for our products, please don't hesitate to reach out. You can contact us at 855-835-6328 during our operating hours: Monday to Tuesday from 8 a.m. - 5 p.m., Wednesday from 9 a.m. - 5 p.m., Thursday from 8 a.m. - 6 p.m., and Friday from 9 a.m. - 12:30 p.m. (Drive-thru only). 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 Members First, we believe in empowering our members with the right tools and resources for their financial journey. Visit us today or explore more about our loan offerings at our website.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $23,642,822, make buying or refinancing simple. We provide personalized assistance to help you find the right mortgage solution for your needs.

Unsecured Credit Card Loans

Managing finances effectively is crucial in today's world. We also offer flexible terms on unsecured credit card loans, with a total of $45,540,568 in loans helping members take control of their spending. These cards can be a great tool for building credit while enjoying the convenience of cashless transactions.

Loan Aggregator

Benefits of Using LendMesh

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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 ensures that all offers are fair and transparent. By relying on verified information, LendMesh helps users avoid potential pitfalls that come with misleading or outdated loan offers.

Members First