Michigan Educational Credit Union Brighton MI | Affordable Vehicle Loans & Quick Personal Loans

Introduction

At Michigan Educational, we believe that community and trust are the foundations of a strong financial future. Located at 123 Brighton Lake Rd, Brighton, MI 48116, our branch has been serving members since 1942 with dedication and care. As part of our commitment to you, we proudly support over 48,745 members in their journey towards achieving their financial goals. While members can visit us at 123 Brighton Lake Rd, official correspondence should be sent to 123 Brighton Lake Rd, Brighton, MI 48116-6721. We understand that your financial needs are as unique as you are, which is why we offer a range of services designed to empower you. From personal banking solutions like checking and savings accounts to vehicle financing and mortgage loans, we strive to provide exceptional service tailored to your needs. With total assets exceeding $1 billion and total deposits reaching $84,433,289, we maintain a robust financial standing to serve you better. Our net worth of $121,908,341 reflects our stability and commitment to ensuring that your funds are secure with us. Additionally, we hold a total loan portfolio of 30,885 loans, demonstrating our active role in supporting our community through lending. Under the guidance of our CEO, Robert Sandercock, and Board President, Alonzo Glaze, our team of 89 employees is dedicated to making your experience with us as seamless as possible. Whether you're looking for personalized advice or convenient online banking options, we're here for you. We invite you to explore all that Michigan Educational has to offer. For questions or assistance, feel free to give us a call at 810-494-6000 during our operating hours from Monday to Friday between 9:30 AM and 5:30 PM. Experience the difference that a trusted credit union can make in your financial life today!

Branch History & Mission

Community Commitment

Our dedication extends beyond banking services; we engage in various community outreach initiatives aimed at uplifting those around us. Whether it's partnering with local schools or supporting local charities, Michigan Educational aims to create lasting positive impacts. As part of your journey towards financial wellness, we encourage you to join us at Michigan Educational. Experience firsthand how our personalized service and extensive range of products can benefit you and your family. For more information or to become a member today, please call us at 810-494-6000 or visit us online at www.michedcu.org. Your future starts here!

Our Journey

From humble beginnings, Michigan Educational has transformed into a cornerstone of financial support for families and individuals. Located at 123 Brighton Lake Rd, our branch is not just a place for transactions; it's a hub for empowerment and education. Over the years, we have expanded our services to include personal banking, auto loans, mortgages, credit cards, and business banking solutions. Each milestone reflects our dedication to ensuring that every member has access to the financial tools they need to succeed. As technology advanced, so did we. Our commitment to providing modern banking solutions includes online banking, mobile payments, and e-statements all designed to make managing finances easier and more accessible. We are also proud to be ADA compliant, ensuring everyone can comfortably access our services.

Our Mission

The mission of Michigan Educational is clear: we strive to improve the financial well-being of our members while actively supporting local communities. We believe that when our members thrive, so does the community as a whole. That's why we focus on providing not only exceptional financial products but also educational resources that empower individuals to make informed decisions about their finances. While you can visit us at 123 Brighton Lake Rd, official correspondence should be sent to 123 Brighton Lake Rd, Brighton, MI 48116-6721. We invite you to take advantage of our operating hours from Monday through Friday between 9:30 AM and 5:30 PM.

Branch Location & Accessibility

Communication and Correspondence

While members can visit us at 123 Brighton Lake Rd for all their banking needs, please note that any official correspondence should be sent to the same address as our mailing address remains unchanged. If you have questions or need assistance, feel free to call us at 810-494-6000. Our team is always eager to help!

Our Location and Accessibility Features

At Michigan Educational, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, including ramps and designated parking spaces to ensure everyone can easily visit us. We also have ample parking available, so you won't have to worry about finding a spot during your visit. For those who prefer banking on the go, we proudly offer ATM services right here at our branch. While we don't have a drive-thru option available, our friendly staff is ready to assist you inside during our operating hours: Monday through Friday from 9:30 AM to 5:30 PM.

Visit Us Today!

Whether you're looking for personal banking options like checking and savings accounts or exploring auto loans and mortgages, Michigan Educational is here for you. We invite you to stop by our branch or give us a call to learn more about how we can support your financial journey. Come see us soon!

Member Eligibility

At Michigan Educational, we believe that becoming a member is like joining a caring family that supports your financial journey. If you're looking to unlock the benefits of membership, it's easy! You're eligible if you live, work, or go to school in certain areas of Michigan, and you can also join through family members who are already part of our community. This means that whether you're a student, a professional, or simply someone living in the area, there's a good chance you can become one of us. Joining offers you access to a range of services designed to help you thrive financially, from low-interest loans to personalized banking solutions. To get started on your membership journey at our Brighton branch located at 123 Brighton Lake Rd, Brighton, MI 48116, just visit us or give us a call at 810-494-6000 for any questions. You can also find more detailed eligibility criteria by checking out our website at http://www.michedcu.org/about-us/membership. Once you're ready, opening an account is simple; just follow the steps outlined at https://forms.fivision.com/michedcu/oa/default.aspx. We can't wait to welcome you to Michigan Educational!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $7 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $105,695, we continue to drive economic growth by financing new and expanding businesses. Whether you need funds to purchase equipment, expand your operations, or manage cash flow, our dedicated team is here to assist you every step of the way.

Merchant Services

In addition to loans, we offer comprehensive merchant services that streamline payment processing. Imagine being able to accept payments effortlessly whether online or in-store allowing you to focus on what matters most: growing your business. Our tools are designed to make transactions quick and easy for both you and your customers. Ready to take your business to the next level? Visit us at 123 Brighton Lake Rd Brighton Mi 48116 in Brighton, MI, or call us at (810) 494-6000. Together, let's build a brighter future for your business!

Comprehensive List Of Services

Accessibility and Support

With our ATM and cash withdrawal services available at convenient locations, accessing your funds has never been easier. Plus, if you ever have questions or need assistance, don't hesitate to reach out at 810-494-6000 during our operating hours from Monday to Friday from 9:30 am to 5:30 pm. At Michigan Educational in Brighton, MI, we're more than just a credit union; we're a community committed to supporting your financial journey. Visit us today or explore more about what we offer by checking out our website at michedcu.org. Your financial future starts here!

Auto Loans & Vehicle Financing

Planning to buy a new car? Our Auto Loans & Vehicle Financing make it simple for you to hit the road in style. With competitive rates and personalized service, we help ensure that financing your dream vehicle is within reach.

Business Banking

For our local entrepreneurs and businesses, we offer comprehensive Business Banking services including merchant services and business loans. We understand that running a business comes with its challenges, so we aim to support you every step of the way.

Credit Cards with Rewards

Our Credit Cards with Rewards program allows you to earn while you spend. Picture using your card for everyday purchases and receiving points that can go towards travel or gifts. It's a smart way to manage expenses and enjoy perks at the same time.

Digital Banking Features

In today's fast-paced world, convenience is key. Our Online & Mobile Banking services ensure that you can manage your accounts from anywhere. Whether you're paying bills through mobile payments or transferring money via person-to-person payments, we've made banking as convenient as possible.

Mortgage Loans & Refinancing

If you're considering homeownership or looking to lower your monthly payments, our Mortgage Loans & Refinancing options can help. We guide you through the process of securing the right mortgage that fits your lifestyle and budget.

Personal Banking

Managing your finances should be easy and accessible. That's why we offer Personal Banking options that include checking and savings accounts, allowing you to track your spending and save effortlessly. Imagine having the flexibility to withdraw cash or check your balance anytime at our ATM, all while knowing that your funds are secure.

Personal Loans & Debt Consolidation

Life can sometimes throw unexpected expenses our way. That's where our Personal Loans & Debt Consolidation come into play. Whether it's for home improvements, medical bills, or consolidating existing debt, we're here to provide financial relief when you need it most.

Digital & Online Banking

Convenient Online Banking

Our online banking services at https://www.michedcu.org/ provide you with the ability to check balances, transfer funds, and pay bills all from the comfort of your home or on the go. Enjoy 24/7 access to your accounts, allowing you to stay in control no matter where life takes you.

Go Paperless with E-Statements

Say goodbye to paper clutter! We offer e-statements that allow you to receive your account statements electronically. Not only is this more convenient, but it's also better for the environment. Keep track of your financial history securely and effortlessly.

Security You Can Trust

Your security is our priority. With features like electronic signature authorization, you can confidently complete transactions without needing to visit a branch. Plus, our mobile application ensures that all your sensitive information is protected while making it easy for you to manage your finances right from your smartphone.

Stay Connected with Mobile Payments

With our mobile payments feature, making purchases has never been easier. Whether you're at the store or splitting a bill with friends through person-to-person transfers, you can do it all quickly and securely using our mobile app. In summary, Michigan Educational is committed to providing you with accessible and effective digital banking solutions that fit into your lifestyle. For more information or to get started today, visit https://www.michedcu.org/. Experience the ease of banking with us!

Financial Strength

At Michigan Educational, 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 are proud to share that our financial health is robust, with the latest performance insights sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With a net worth of $121,908,341, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,206 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 $169,111,627 in share certificates, offering stable and rewarding financial growth opportunities. While we focus on benefiting our members, it's important to note that we currently have $0 in non-member deposits. Unlike traditional banks, we prioritize our members, ensuring that our resources are focused on you through better loan rates, lower fees, and exclusive perks. With $121,475,521 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve you better. Our lending capacity supports your financial goals across various sectors with $9,567 in used auto loans and $490,674,836 in total loans and leases. Our operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 87 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. The strength of our organization is also evident in our growing member base, as shown by the 91,501 total share accounts that trust 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, Michigan Educational is your trusted partner. Visit us at 123 Brighton Lake Rd Brighton Mi 48116 or call (810) 494-6000 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 $133,801,274 in used vehicle loans and $41,478,868 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates to make your car purchase as affordable as possible.

Business Financing

For business owners, our outstanding commercial loans totaling $105,695 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to invest in equipment, our team can help find the right solution for your business needs. Our commitment is to serve you with transparency and support throughout the lending process. For more information on eligibility and how to apply for any of these loan products, please visit our website at Michigan Educational or contact us directly at the number above. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Let us help you take the next step towards achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $70,216,964, make buying or refinancing simple. We can guide you through the process and help you explore refinancing options if you're looking to lower your monthly payments or cash out equity.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $8,888,771 in loans helping members manage their finances effectively. With features like rewards programs and no annual fees, our credit cards are designed to fit your spending habits while offering peace of mind.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a commitment to transparency and reliability, LendMesh serves as a trusted partner in your loan search. 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 means you receive fair and transparent offers that reflect current market conditions. The benefits of using LendMesh are clear: - Verified Data: Loan offers come from legitimate financial institutions, ensuring transparency throughout the process. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results to help you make informed decisions. - Real-Time Rate Comparisons: You gain access to up-to-date loan rates from multiple institutions, allowing you to choose the option that best fits your needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback underscores the effectiveness and reliability of the service. 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.*