Members First Credit Union Midland MI | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to Members First Credit Union - Dartmouth Office, where your financial well-being is our top priority. Located at 400 Dartmouth Dr, Midland, MI 48640, our credit union has been serving the community since 1936. With a rich history and a deep commitment to our members, we are proud to support over 65,163 members with tailored financial solutions that empower you to achieve your goals. As a trusted institution in Midland, we manage an impressive total of $838,451,592 in assets, ensuring that we have the resources needed to serve you effectively. Our dedication extends beyond numbers; it's about building relationships and fostering financial literacy within our community. From auto loans to personal banking services, we offer a variety of products designed to meet your unique needs. At Members First, we value transparency and integrity. Our current total deposits stand at $18,382,797, reflecting our solid foundation and member trust. Additionally, with a net worth of $78,201,110, you can feel confident that your funds are secure with us. While members can visit us at our branch location for all their banking needs, official correspondence should be directed to our mailing address: PO Box 2165, Midland, MI 48641-2165. If you have questions or need assistance, don't hesitate to reach out by calling us at 855-835-6328. Led by our dedicated CEO Carrie Iafrate and Board President Robert Cooper, we continue to strive for excellence in all that we do. Whether you're looking for checking accounts, savings options, or loan services our knowledgeable staff is here to assist you every step of the way. Join us today and discover how Members First Credit Union can help you thrive financially! Visit our website at mfcu.net for more information or stop by during our convenient hours: Monday through 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). We look forward to welcoming you into the Members First family!

Branch History & Mission

At Members First Credit Union, we take pride in our rich history and unwavering commitment to the community. Established in 1936, our branch has grown alongside the people of Midland, MI, fostering financial well-being and empowerment for generations. Nestled at 400 Dartmouth Dr, our location is not just a point on the map; it's a cornerstone of support for over 65,000 members who trust us with their financial journeys. From our humble beginnings during a time of economic uncertainty, we have evolved into a trusted financial partner. Today, we boast total assets exceeding $838 million, a testament to our stability and growth. Our mission is clear: to provide exceptional financial services while nurturing strong relationships within our community. We aim to help our members achieve their dreams through personalized banking solutions that include checking and savings accounts, auto loans, mortgages, and more. While members can visit us at 400 Dartmouth Dr, official correspondence should be sent to PO Box 2165, Midland, MI 48641-2165. Our branch is designed with accessibility in mind; we are committed to ADA compliance and ensuring that all individuals can access our services comfortably. We understand that the world is changing rapidly. That's why we have embraced digital advancements such as online banking and mobile payments. Members can easily manage their accounts from anywhere while also enjoying the convenience of ATM access and drive-thru services. Community outreach is at the heart of what we do. We actively engage in partnerships that support local initiatives and charities, reinforcing our belief that when one member thrives, we all thrive together. Our mission extends beyond transactions; it's about building a stronger community through mutual support and shared success. As you explore what Members First Credit Union has to offer, we invite you to become part of our legacy. Join us in shaping a brighter future for yourself and your community. Experience the difference today by reaching out at 855-835-6328 or visiting us online at www.mfcu.net. Your journey toward financial empowerment starts here!

Branch Location & Accessibility

Banking Services

Our branch offers a wide range of services tailored to meet your banking needs. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, with ATM access available on-site and drive-thru banking options, managing your finances has never been easier. If you need any assistance or have questions about our services, feel free to call us at 855-835-6328. We're excited to serve you at Members First Credit Union where your financial well-being is our top priority!

Convenient Access

At Members First, we prioritize accessibility for all members. Our branch features ADA-compliant entrances and ramps, ensuring everyone can visit us comfortably. We also have ample parking available right outside the building, making it simple for you to pop in whenever you need.

Operating Hours

We understand that life can be busy, which is why we offer flexible operating hours. You can visit us Monday through Wednesday from 8 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). This allows you to choose a time that best fits your schedule.

Member Eligibility

At Members First, we believe that becoming a member is like joining a family that truly cares about your financial well-being. If you're looking to become part of our supportive community, it's easy! Membership is open to individuals who live, work, or worship in Midland County and surrounding areas. We aim to welcome everyone with open arms, so whether you're just starting out or have been managing your finances for years, you'll find a home here. To learn more about the specific eligibility details, feel free to check out this resource: Eligibility Criteria. Once you see that you're eligible, opening an account with us is a breeze! You can start the process online or visit us at our branch located at 400 Dartmouth Dr, Midland, MI 48640. If you have any questions along the way, don't hesitate to give us a call at 855-835-6328. We're here to help you every step of the way as you embark on your financial journey with Members First!

Business Banking & Commercial Services

Business Loan Options

Imagine a local bakery struggling to keep up with demand. With our commercial loans, they were able to secure $297 in funding, allowing them to open a second location and hire more staff. Similarly, we've also supported other businesses in the community with $76 in flexible financing 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.

Merchant Services

In addition to loans, we provide merchant services that simplify transactions for local shops and restaurants. Imagine processing payments quickly and securely while managing your inventory seamlessly. Our services not only enhance customer satisfaction but also allow you to focus on what matters most growing your business. Visit us at 400 Dartmouth Dr Midland Mi 48640, Midland, MI, or call us at (855) 835-6328 to learn more about how our business banking and commercial services can support your success!

Comprehensive List Of Services

Business Solutions

For entrepreneurs and business owners, we offer comprehensive Business Banking solutions including merchant services and business loans. Your success is important to us, and we're here to support your growth with tailored financial solutions.

Convenience Services

Accessibility is key at Members First. We feature an ATM for easy cash withdrawals and basic transactions without the hassle of long lines. Our basic drive-thru banking services allow you to deposit or withdraw funds quickly during your busy day.

Credit Cards

Our Credit Cards with Rewards provide not just purchasing power but also benefits that enhance your spending experience. Whether it's earning points on daily purchases or enjoying low-interest rates, we have a card that fits your lifestyle.

Get Started Today!

With our friendly team ready to assist you at every turn, it's easier than ever to take control of your finances. Have questions? Don't hesitate to reach out by calling us at 855-835-6328 or visit our website at www.mfcu.net for more information on how we can serve you better. Explore all that Members First has to offer you'll find that we're more than just a credit union; we're a partner in your financial journey!

Loans and Financing

When life calls for a new vehicle or home, our Auto Loans & Vehicle Financing make it simple to drive off in the car of your dreams. If you're considering buying a home, our Mortgage Loans & Refinancing services will guide you through every step of the mortgage process with competitive rates and personalized assistance. Additionally, if you need some extra cash for personal projects or to consolidate debt, our Personal Loans & Debt Consolidation options are here to help.

Personal Banking

For those looking to manage everyday expenses or save for future plans, our Personal Banking options include checking and savings accounts tailored for every lifestyle. Imagine having easy access to your funds through our user-friendly Online & Mobile Banking platforms. You can check balances, make transfers, and pay bills right from your smartphone or computer.

Digital & Online Banking

Convenient Online Access

Our online banking platform at https://www.mfcu.net/ allows you to check your account balances, view transaction history, and make transfers all from the comfort of your home or on the go. Whether you prefer using a computer or a mobile device, our user-friendly interface ensures that navigating your accounts is straightforward.

Mobile Banking Made Easy

If you're always on the move, our mobile application is perfect for you. It offers all the features of online banking right in your pocket. You can make mobile payments, deposit checks, and manage your accounts whenever it suits you. With 24/7 online banking services available, you have complete control over your finances at any hour.

Secure Transactions

Security is our top priority. Our electronic signature authorization feature makes it easy for you to sign documents securely without the hassle of printing or mailing. Plus, with person-to-person transfers available, sending money to friends and family is quick and safe.

Stay Informed with E-Statements

Keep track of your financial activity effortlessly with e-statements. They are not only eco-friendly but also allow you to access your statements quickly and easily from any device. At Members First, we strive to provide accessible banking solutions that empower our members to manage their finances confidently. Discover more about our digital offerings today at https://www.mfcu.net/!

Financial Strength

A Growing Community

Total Share Accounts: 146,882, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $3,176,936. 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 400 Dartmouth Dr Midland Mi 48640 or call (855) 835-6328 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.*

Investing in Your Future

With $58,643,751 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our $16,222 in used auto loans and $616,853,698 in total loans and leases support your financial goals across various sectors.

Member-Centric Savings Options

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.

Operational Efficiency

Our commitment to 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 241 full-time employees and 6 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

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.

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. Whether it's a brand-new model or a reliable pre-owned vehicle, we have options that fit your budget.

Credit Lines and Unsecured Loans

For added flexibility in managing your finances, consider our credit lines totaling $164,070,000. We also offer flexible terms on unsecured credit card loans, with a total of $45,540,568 helping members effectively manage their budgets.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $23,642,822, making it easier for you to secure the home you've always wanted.

Refinancing Options

If you're looking to refinance an existing loan or explore eligibility options for our various products, our team is ready to assist you. We can help you navigate the process and find solutions tailored to your situation. The performance insights and financial data provided here are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us today or check out our website at http://www.mfcu.net for more information on how we can support your financial journey!

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