Michigan First Credit Union Rochester Hills MI | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Michigan First, your trusted credit union located at 65 S Livernois Rd, Rochester Hills, MI 48307. Since our establishment in 1926, we have been dedicated to serving our community with integrity and commitment. With a membership base of over 165,000, we take pride in offering personalized financial solutions that cater to the unique needs of our members. At Michigan First, we understand that financial decisions can be overwhelming. That's why we strive to provide a friendly and supportive environment where you can explore various banking options with confidence. Our total assets amount to an impressive $1,456,336,933, reflecting our stability and ability to meet your financial needs effectively. Whether you're looking for auto loans, mortgages, or personal banking services, we've got you covered. Led by our dedicated CEO Jennifer Borowy and Board President Linda Height, our team is here to guide you every step of the way. We employ around 490 talented individuals who are passionate about helping you achieve your financial goals. In addition to traditional banking services, we offer convenient online and mobile banking options for easy access on the go. With total deposits of $92,717,185 and cash on hand totaling $24,113,747, we ensure that your money is safe and accessible whenever you need it. While members can visit us at our branch location, official correspondence should be sent to the same address: 65 S Livernois Rd, Rochester Hills, MI 48307. Explore our wide range of services today by calling us at (248) 443-4600 or visiting us online at michiganfirst.com. Join us in building a brighter financial future together!

Branch History & Mission

Community Commitment

Beyond traditional banking services, Michigan First takes its responsibility seriously when it comes to community involvement. We understand that by supporting local initiatives and fostering partnerships, we can make a lasting impact on the lives of those we serve. As technology continues to advance, so do we offering online and mobile banking options that allow you to manage your finances anytime and anywhere.

Join Us

If you're looking for a credit union that genuinely cares about its members and their communities, look no further than Michigan First. Whether you're opening your first account or seeking advice on loans or investments, our team is here for you every step of the way. Visit us today at 65 S Livernois Rd in Rochester Hills or call us at 248-443-4600 for more information. Experience firsthand the benefits of joining Michigan First a place where your financial journey matters!

Our Journey

Michigan First began as a small credit union with a simple goal: to help individuals and families achieve their financial dreams. Over the decades, we have evolved significantly. From expanding our range of services to embracing modern technology, we remain dedicated to enhancing your banking experience. As we celebrate nearly a century of service, it's clear that our success is rooted in the trust and support of our members. Our branch is conveniently situated near local landmarks, making it easily accessible for anyone in the area. While members can visit us at 65 S Livernois Rd, official correspondence should be sent to the same address for clarity.

Our Mission

At Michigan First, our mission is straightforward yet powerful: we strive to empower our members through a variety of personal and business banking solutions. This includes checking and savings accounts, auto loans, mortgage financing, credit cards with rewards, and much more. We believe that financial stability goes hand-in-hand with community support; hence we actively engage in outreach efforts to uplift those around us. We pride ourselves on being a member-focused organization. Our operating hours are designed to fit your busy lifestyle Monday through Friday from 10 a.m. to 7 p.m., and Saturday from 10 a.m. to 3 p.m. For added convenience, we also offer ATM services for easy cash access.

Branch Location & Accessibility

ATM Availability

Need cash on the go? We've got you covered! Our branch features an ATM for easy cash withdrawals and balance checks whenever you need them. Although we do not currently have drive-thru banking available at this location or shared service center options, our team is always ready and willing to assist you in-person during business hours.

Operating Hours and Services

At Michigan First, we value your time. Our lobby hours are designed to fit into your busy schedule: we're open from 10 a.m. to 7 p.m. Monday through Friday and from 10 a.m. to 3 p.m. on Saturdays. This gives you plenty of opportunities to stop by when it's convenient for you! We offer a variety of services tailored just for you, including personal banking options such as checking and savings accounts, auto loans and financing, mortgage loans, personal loans, and even credit cards with rewards! Our online and mobile banking services ensure that you can manage your finances anytime, anywhere.

Parking and Accessibility

Our branch is designed with accessibility in mind. You'll find ample parking available to make your visit as smooth as possible. We are fully compliant with ADA standards, so everyone can comfortably access our services. If you require assistance or have questions about our facilities, feel free to reach out to us at 248-443-4600.

Visit Us Today!

We invite you to come visit Michigan First at our Rochester Hills location! Whether you're looking for help with a loan or simply want to learn more about what we offer, our friendly staff is here for you. Don't hesitate stop by today or give us a call at 248-443-4600. We look forward to serving you!

Member Eligibility

At Michigan First, becoming a member means joining a close-knit community that truly cares about your financial well-being. We welcome individuals who live, work, or worship in our local area, ensuring that our membership reflects the vibrant community we serve. If you're looking for personalized banking services and a supportive environment, you'll find it here. For full details on eligibility requirements, please check out our resource at . Opening an account with us is designed to be simple and straightforward. Our friendly staff is ready to assist you every step of the way whether you prefer to visit us in person at 65 S Livernois Rd Rochester Hills Mi 48307 or give us a call at (248) 443-4600. Don't hesitate to reach out; we're excited to help you take this important step toward better banking!

Business Banking & Commercial Services

Streamlined Merchant Services

But it's not just about loans. Our merchant services simplify payment processing so you can focus on what matters most growing your business. Whether you're setting up a new point-of-sale system or looking for mobile payment options, we provide the tools you need to serve your customers effectively. Visit us at 65 S Livernois Rd Rochester Hills Mi 48307 in Rochester Hills, MI or call us at (248) 443-4600 to learn how we can partner with you for success!

Tailored Lending Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $96 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $139 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $32,803,638, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Access & Convenience

At Michigan First in Rochester Hills, convenience is key. We offer ATM services for cash withdrawals and balance checks at various locations. Plus, our online tools ensure you can manage your finances effortlessly from anywhere. With features like mobile payments and person-to-person transfers, handling transactions has never been simpler. If you're interested in exploring any of these services further or if you have questions about how we can assist you better, feel free to reach out! You can contact us at 248-443-4600 or visit us at 65 S Livernois Rd Rochester Hills MI 48307. Let Michigan First be your trusted partner in achieving financial success!

Auto Loans & Financing

Dreaming of hitting the road in a new vehicle? Our auto loans and vehicle financing services simplify the car-buying experience. We understand that each member's situation is unique, so we offer personalized loan terms that can work within your financial plan. With quick approvals and competitive rates, getting behind the wheel has never been easier.

Business Banking

For our business members, we provide essential services like merchant services and business loans. Managing cash flow is crucial for any business owner, and we're here to support you with solutions tailored specifically for businesses of all sizes.

Credit Cards & Rewards

Our credit cards with rewards allow you to earn points on every purchase, making everyday spending more rewarding. Picture yourself earning cash back or travel points just for using your card it's an excellent way to maximize benefits from regular purchases.

Home Financing Solutions

When it comes to home ownership, we offer comprehensive mortgage loans and refinancing options. Whether you are purchasing your first home or refinancing an existing mortgage, our knowledgeable team is here to guide you through every step of the process. You can trust us to find a solution that meets your needs while keeping it manageable for your budget.

Personal Banking

Starting with personal banking, we offer various checking and savings accounts designed to help you manage your money effectively. Imagine having easy access to your funds while enjoying competitive interest rates that help your savings grow. Our accounts come with digital banking features, allowing you to bank anytime and anywhere using our user-friendly online and mobile banking platforms. For those looking to make a significant purchase or consolidate debt, our personal loans provide flexible options tailored to fit your budget. Whether it's for a vacation or unexpected expenses, we make the borrowing process straightforward and convenient.

Digital & Online Banking

At Michigan First, we understand that your time is valuable, and managing your finances should be as easy as a few clicks or taps. Our digital and online banking services offer you the convenience and security you need to stay on top of your accounts anytime, anywhere. With our robust online banking platform available at http://www.michiganfirst.com , you can access your account 24/7. Whether you're checking your balance, transferring funds, or paying bills, everything is just a few clicks away. And if you're always on the go, our mobile application ensures that you have all the tools you need right in your pocket. With features like mobile payments and person-to-person transfers, sending money to friends or family is quick and hassle-free. Security is our top priority. You can rest easy knowing that your information is protected with advanced security measures while using our services. Plus, with electronic signature authorization not currently available, we ensure that transactions are straightforward and secure without additional complexity. In addition to standard banking tasks, we provide e-statements so you can easily track your financial history without worrying about paper clutter. Just log into your account to view and download your statements at any time. This feature not only keeps you organized but also helps you manage your finances more effectively. At Michigan First, we believe that banking should be accessible for everyone. Our user-friendly digital services empower you to manage your money in real-time, making it easier than ever to take control of your financial health. Experience the benefits of modern banking with us today!

Financial Strength

Commitment to Growth

With $161,095,537 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; with $6,460 in used auto loans and $1,047,613,488 in total loans and leases, we're here to support your financial goals across various sectors.

Member-Focused Savings

Your savings are secure with us. We hold $108,565,540 in share certificates and $144,620,068 in money market shares, offering you stable and rewarding opportunities for financial growth. Unlike traditional banks, we prioritize our members. With non-member deposits at $30,889,520, we focus our resources on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $13,071,474, enabling us to continue offering competitive loan rates and solid financial products for our members. We're proud to have 489 full-time employees and 1 part-time employees dedicated to serving you with expertise and care.

Solid Financial Health

With a net worth of $215,571,682, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,480 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trustworthy Partnership

Our net shares available for lending stand at $2,206,793, showing our commitment to providing you with accessible funds when needed. We also have a strong member base with a total of 278,173 share accounts, indicating that many 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 First is your trusted partner. Visit us at 65 S Livernois Rd Rochester Hills Mi 48307 or call (248) 443-4600 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 $86,854,687 in used vehicle loans and $12,432,644 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have options that fit your budget and lifestyle.

Credit Lines

We also offer credit lines up to $622,143,331, giving you easy access to funds when you need them most. This option is ideal for those who want to manage cash flow or cover unexpected expenses without the hassle of applying for multiple loans. For business owners looking for capital growth opportunities, our outstanding commercial loans totaling $32,803,638 provide essential funding to expand operations or invest in new ventures. If you're considering refinancing your current loans or exploring eligibility options for any of our products, our team is here to guide you through the process. We're dedicated to finding solutions that suit your financial needs. Feel free to reach out at (248) 443-4600 during our operating hours (Monday - Friday: 10 a.m. - 7 p.m., Saturday: 10 a.m. - 3 p.m.) for more information or visit us online at Michigan First. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We look forward to helping you take the next step toward achieving your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $117,086,782, make buying or refinancing simple. We provide flexible terms and support throughout the entire process to ensure you feel confident every step of the way.

Unsecured Credit Card Loans

Managing finances can be challenging, but our flexible terms on unsecured credit card loans are designed to help you handle day-to-day expenses effectively. With a total of $51,755,952 in loans available, you can enjoy peace of mind while building your credit.

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. This tool is designed to help users navigate the often complex landscape of borrowing, ensuring they have access to accurate information. LendMesh ensures accurate loan comparisons by sourcing its data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This means that the information provided reflects the latest results and is derived from institutions committed to fair lending practices (Source: https://www.ncua.gov ). By focusing on verified sources, LendMesh promotes transparency in the offers presented to users. One of the standout features of LendMesh is its commitment to providing verified data. Loan offers are sourced exclusively from legitimate financial institutions, which fosters trust and confidence among users looking for reliable information. Additionally, LendMesh does not engage in sponsored listings; lenders are not prioritized based on paid promotions. This unbiased approach ensures that users receive fair and transparent results tailored to their specific needs. With real-time rate comparisons available at your fingertips, you can make informed decisions about your borrowing options. The tool updates regularly, reflecting the most current loan rates from multiple institutions, allowing you to choose the best fit for your financial situation. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective the platform can be in helping individuals secure better financial outcomes. 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.

MICHIGAN FIRST CREDIT UNION - Rochester Hills, MI