Michigan Coastal Credit Union Muskegon MI | Best Auto Loans & Business Banking

Introduction

Welcome to Michigan Coastal, your trusted partner in financial well-being. Located at 5906 Commerce Center Dr, Muskegon, MI 49444, we have been serving our community since 1958. With a strong commitment to our members, we proudly support over 2,592 individuals and families in achieving their financial goals. At Michigan Coastal, we're not just about numbers; we're about relationships. Our total assets of $28,377,358 reflect our stability and the trust you place in us. We understand that each member's journey is unique, which is why we offer a variety of services tailored to meet your needs from personal banking and auto loans to mortgage refinancing and business banking solutions. Our dedicated team of 8 employees, led by CEO Rob Viland and Board President Wayne Ferrier, is here to ensure you receive the personalized attention you deserve. We prioritize transparency and accessibility, boasting total deposits of $2,709,352 and a net worth of $2,187,175 indicators of our health as a credit union committed to serving you. While members can visit us at our branch for all your financial needs, official correspondence should be directed to our mailing address at 5906 Commerce Center Dr, Muskegon, MI 49444-7870. We invite you to explore how Michigan Coastal can help you navigate your financial journey. For any questions or assistance, feel free to reach out at 231-777-3620 or visit our website at michigancoastal.com. Join us today and discover the difference a community-focused credit union can make!

Branch History & Mission

Join Us

If you're looking for a credit union that prioritizes you your needs and your goals look no further than Michigan Coastal. We invite you to explore all the benefits we offer and become part of our growing family. Experience firsthand how we put our members first by visiting us today or reaching out at 231-777-3620. Together, let's achieve your financial dreams!

Our Mission

At Michigan Coastal, our mission is simple yet powerful: to provide accessible financial services while supporting the communities we serve. We believe in fostering relationships built on trust and transparency. Whether it's through personal banking services such as checking and savings accounts or specialized offerings like auto loans and mortgages, we strive to meet every member's unique needs. We also take pride in being involved in community outreach efforts. Our partnerships with local organizations allow us to give back and make a positive impact in Muskegon. By focusing on both financial success and community support, we aim to create a brighter future for all. As technology evolves, so do we! Our digital banking options ensure that you can manage your finances conveniently from anywhere. With features like online banking, mobile payments, and electronic signatures, we're here to make your banking experience as smooth as possible.

Our Story

Michigan Coastal started with a vision: to create a financial institution that puts people first. Over the years, we have grown alongside our community, adapting to its needs and challenges. Our total assets now stand at an impressive $28,377,358, reflecting the trust and support of our valued members. We are proud of our history and the milestones we've achieved together. From offering essential banking services to providing innovative loan options, we have always aimed to empower our members financially. Our branch is conveniently located near local landmarks, making it easy for you to visit us during our operating hours, which are the same as our main office. While members can visit us at 5906 Commerce Center Dr, official correspondence should be sent to 5906 Commerce Center Dr, Muskegon, MI 49444-7870 if different.

Branch Location & Accessibility

Operating Hours

We know how busy life can get, which is why we keep our doors open during flexible hours that align with those of our main office. Feel free to stop by or give us a call at 231-777-3620 during our operating hours. We're here to help!

Parking and Accessibility

At Michigan Coastal, we care about your convenience. Our branch offers ample parking spaces for all our members. We also take pride in being accessible to everyone, with features such as ADA-compliant ramps and entrances. You can easily visit us without any hassle!

Services Offered

While you're here, take advantage of a wide range of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. If you're a business owner, explore our merchant services and business loans tailored just for you. Plus, enjoy the ease of online and mobile banking that keeps your finances at your fingertips! Although we currently do not have an ATM or drive-thru service available at this location, we do offer shared services for basic transactions like deposits and withdrawals through partner credit unions. We invite you to come visit Michigan Coastal today! Whether you have questions about opening an account or need assistance with loans, our dedicated team is eager to assist you on your financial journey. Stop by soon!

Member Eligibility

Becoming a member of Michigan Coastal is like stepping into a welcoming community where your financial needs are prioritized. If you live, work, worship, or attend school in the Muskegon area, you're already on the right path to joining us! We believe everyone deserves access to friendly and personalized banking services. To learn more about who qualifies for membership, check out our eligibility criteria at http://www.michigancoastal.com/membership/locations-and-hours . Once you find that you meet the eligibility requirements, opening an account is a breeze! You can get started by visiting us online at https://loans.itsme247.com/004/home/start , or if you prefer a personal touch, feel free to give us a call at (231) 777-3620. We're here to help you take this exciting step toward better banking at our branch located at 5906 Commerce Center Dr Muskegon Mi 49444. Join us today and experience the benefits of being part of the Michigan Coastal family!

Business Banking & Commercial Services

Loan Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $6 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $681,666, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, our merchant services simplify payment processing for businesses. Picture this: a local coffee shop accepting payments effortlessly, allowing them to focus on what they do best serving great coffee and building relationships with customers. Our solutions help streamline transactions so you can spend more time growing your business. Whether you're looking for a loan or seeking efficient payment options, Michigan Coastal at 5906 Commerce Center Dr Muskegon Mi 49444 in Muskegon, MI is here to assist you every step of the way. Let's work together to fuel your business success!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our Auto Loans and Vehicle Financing services make it easy to drive off in your dream vehicle without breaking the bank. With competitive rates and flexible terms, we ensure that financing your next ride fits comfortably within your budget.

Business Banking

If you're a business owner, we haven't forgotten about you! Our Business Banking services include merchant services and business loans tailored specifically for small businesses. We understand the unique challenges faced by entrepreneurs and strive to provide support that helps you grow.

Credit Cards with Rewards

Enjoy the perks of spending with our Credit Cards with Rewards program! You earn points for every purchase, which can be redeemed for exciting rewards or cashback. It's a great way to make everyday purchases work harder for you.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why Michigan Coastal offers robust Online & Mobile Banking features. You can easily manage your accounts, make payments, and even set up person-to-person transfers all from the comfort of your home or on the go. At Michigan Coastal, we strive not just to meet but exceed your expectations when it comes to financial services. If you're ready to take control of your finances or explore any of these offerings in more detail, please don't hesitate to reach out at 231-777-3620 or visit us at our branch in Muskegon. Explore how Michigan Coastal can serve you today!

Mortgage Loans & Refinancing

Homeownership is a significant milestone, and we're here to support you every step of the way with our Mortgage Loans and Refinancing options. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, our experienced team is ready to guide you through the process.

Personal Banking

Managing your finances should be hassle-free. At Michigan Coastal, we offer Personal Banking options like checking and savings accounts that help you stay organized while saving for what matters most. Our members appreciate the flexibility of online and mobile banking, allowing them to monitor their accounts anytime from anywhere. Imagine being able to transfer funds or check balances right from your phone!

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our Personal Loans and Debt Consolidation services are designed to provide you with quick access to cash when you need it most. By consolidating debt into one manageable payment, many of our members find relief from financial stress.

Digital & Online Banking

Key Features for Your Convenience

We prioritize security and user-friendliness in all our digital services. With electronic signature authorization available, signing documents has never been easier or more secure. You can also opt for e-statements, which not only help keep your information organized but also reduce paper clutter. If you're looking for quick payments or want to split costs with friends, our person-to-person transfer feature makes sending money a breeze. And for those who prefer to handle their banking on mobile devices, our mobile application is designed for easy navigation, allowing you to make payments and manage accounts right from your smartphone.

Stay Connected Anytime

Our commitment to providing top-notch service means that everything is designed with you in mind. You can enjoy mobile payment options that simplify transactions while ensuring safety and security. With features like these at Michigan Coastal, managing your finances is just a tap away. In today's fast-paced world, accessibility matters. With our digital and online banking services, you're always in control of your financial journey. Explore all we have to offer at https://www.michigancoastal.com/ and experience the ease of banking with us today!

Financial Strength

A Strong Foundation

With a net worth of $2,187,175, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $770 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Growing Membership Base

Total Share and Deposit Accounts stand at 5,390, showing a strong and growing member base that trusts us with their finances. We understand that trust is earned through transparency and consistent performance. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Michigan Coastal is your trusted partner. Visit us at 5906 Commerce Center Dr Muskegon Mi 49444 or call (231) 777-3620 to learn more about how we can help you achieve your financial goals.

Investing Back into Our Community

With $2,247,644 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment extends to lending as well; with $361 in used auto loans and $24,414,177 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Operational Efficiency

Our operational efficiency is reflected in our $-93,530, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 8 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $7,827,609 in share certificates and $4,069,484 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $5,224,441, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $3,831,992 in used vehicle loans and $291,361 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates to make your auto financing experience smooth.

Business Financing

For business owners, our outstanding commercial loans totaling $681,666 provide the capital needed to grow and expand. We recognize the unique challenges businesses face and are here to support you with tailored lending solutions.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $3,490,874, make buying or refinancing simple. We work closely with you to find the right mortgage solution that fits your budget and lifestyle.

Refinancing Options

If you're considering refinancing any existing loans or lines of credit, we have options available that may help you lower your monthly payments or secure better rates. Speak with our team about eligibility requirements and how we can assist you in this process. Our branch is located at 5906 Commerce Center Dr, Muskegon, MI 49444. If you have questions or want to learn more about our loan offerings, feel free to reach out at 231-777-3620. 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 Michigan Coastal, we're dedicated to providing personalized service and solutions that fit your financial needs. Come visit us today!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $703,489 in loans helping members manage their finances effectively. These cards come with various benefits that can help you earn rewards while keeping your spending in check.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

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MICHIGAN COASTAL CREDIT UNION - Muskegon, MI