Michigan First Credit Union Roseville MI | Low Mortgage Rates & Rewards Cards

Introduction

Welcome to Michigan First, your trusted financial partner located at 20891 E 13 Mile Rd, Roseville, MI 48066. Since our establishment in 1926, we have proudly served over 165,000 members, helping them achieve their financial goals with personalized services and community-focused initiatives. At Michigan First, we understand that your financial journey is unique, which is why we offer a range of products tailored to meet your needs from checking and savings accounts to auto loans and mortgages. With total assets of $1,456,336,933 and deposits reaching $92,717,185, we are well-equipped to support our members' ambitions. Our commitment to responsible lending is reflected in our total loans of 91,153, ensuring that we can provide the necessary resources for personal and business growth. Under the leadership of CEO Jennifer Borowy and Board President Linda Height, our team of 490 dedicated employees strives to create a welcoming environment where you can feel confident in your financial decisions. While members can visit us at our Roseville location for face-to-face service, official correspondence should be sent to the same address. We invite you to explore our website at michiganfirst.com for more information about our offerings or simply give us a call at 248-443-4600. Whether you're looking to open an account or need assistance with a loan, we're here for you Monday through Friday from 10 a.m. to 7 p.m., and Saturday from 10 a.m. to 3 p.m. At Michigan First, we believe in building strong relationships within our community. Join us today and experience the difference that comes with being part of a credit union that truly cares!

Branch History & Mission

Commitment to Innovation

In addition to traditional banking services, we understand the importance of staying current with technology. That's why we offer online and mobile banking solutions that allow our members to manage their finances easily from anywhere. With features like ATM access available on-site and no drive-thru service needed for quick transactions, your convenience is always top of mind. Our operating hours reflect our commitment to accessibility open Monday through Friday from 10 a.m. to 7 p.m., and Saturday from 10 a.m. to 3 p.m., we ensure that you can reach out when it suits you best.

Join Us

As we continue our journey into the future, we invite you to join Michigan First. Experience firsthand how we prioritize your needs while actively contributing to the community's prosperity. Together, let's build a brighter financial future for all. For any inquiries or assistance, feel free to reach out at 248-443-4600. Your path towards better financial health starts here!

Our Mission

At Michigan First, our mission is clear: We strive to enhance the financial well-being of our members while fostering a sense of community. We believe that everyone deserves access to quality financial services and support. This commitment drives us to offer a wide range of products including personal banking options like checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. We take pride in being more than just a financial institution; we are an active partner in community growth. Through various outreach programs and partnerships with local organizations, we aim to uplift those around us by providing not only financial resources but also educational opportunities that promote financial literacy.

Branch Location & Accessibility

Call Us or Visit Today!

If you're ready to learn more about how Michigan First can help you achieve your financial goals, feel free to give us a call at 248-443-4600 or visit us today! We look forward to welcoming you into our community of members who enjoy personalized service and exceptional financial products tailored just for them.

Nearby Landmarks and Accessibility

Our branch is nestled close to several local landmarks, making it easy for you to find us. As you head down E 13 Mile Rd, you'll notice how conveniently situated we are for residents and visitors alike. Plus, we have ample parking available to make your visit hassle-free. For those with mobility needs, our facilities are fully accessible, complete with ADA-compliant features to ensure everyone feels welcome.

Operating Hours and Services

We understand that life can get busy! That's why our doors are 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 options to stop by when it suits you best. At Michigan First, we offer a range of services designed to fit your personal and business banking needs. From checking and savings accounts to auto loans and credit cards with rewards, we're committed to helping you manage your finances effectively. We also provide online and mobile banking services for those who prefer managing their accounts on-the-go.

Member Eligibility

Becoming a member of Michigan First is like joining a family that truly cares about your financial well-being. Located at 20891 E 13 Mile Rd Roseville Mi 48066, we welcome individuals who live, work, or worship in our community, making it easy for you to connect with us. Whether you're looking for personal banking solutions, auto loans, or even business services, you'll find a supportive environment ready to help you thrive. To get started, you can easily check the eligibility criteria on our website at , where you'll find all the details about what it takes to join our cooperative. If you have any questions or need assistance, don't hesitate to reach out at (248) 443-4600; we're here to help! Your journey toward financial empowerment begins with just one step.

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 $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.

Merchant Services

Imagine having a reliable partner that not only supports your financial needs but also enhances your customer experience. Our merchant services enable you to accept payments effortlessly, whether online or in-store. This means you can focus on what you do best running your business while we handle the complexities of transactions. Visit us at 20891 E 13 Mile Rd Roseville Mi 48066 in Roseville, MI, or call us at (248) 443-4600 to discover how our business banking and commercial services can help you achieve your goals!

Comprehensive List Of Services

Convenient Access Anytime

Need cash? Our branch features an ATM for quick withdrawals and balance checks. Plus, our online platform allows for easy money management at any hour perfect for busy schedules! If you're ready to explore what Michigan First can do for you or have any questions about our services, feel free to reach out at 248-443-4600. We invite you to visit us at our Roseville location or check out more information on our website at http://www.michiganfirst.com . Let's work together towards achieving your financial goals!

Financing Your Dreams

If you're considering purchasing a new vehicle or refinancing your current loan, our auto loans and vehicle financing options can help make that dream a reality. Our competitive rates and flexible terms ensure that you get the best deal possible. Additionally, we offer mortgage loans and refinancing options for those ready to settle into their new home or looking to adjust their current mortgage for better terms.

Personal Banking Made Easy

For those looking to manage their day-to-day finances, we offer various checking and savings accounts tailored to fit your lifestyle. Whether you're saving for a special occasion or need quick access to funds, our accounts come with features that help you grow your savings while enjoying easy access through online and mobile banking. Imagine being able to check your balance, transfer funds, or pay bills from your phone while on the go this is all possible with Michigan First.

Personal Loans When You Need Them

Life can sometimes throw unexpected expenses your way. That's why we provide personal loans and debt consolidation services that allow you to tackle those challenges head-on. Whether it's a medical bill, home repair, or just consolidating existing debts into one manageable payment, we're here to assist you every step of the way.

Rewards with Every Purchase

Don't forget about our credit cards with rewards! Enjoy perks like cash back or points for travel every time you use your card. It's not just about spending; it's about earning rewards that enhance your life.

Supporting Local Businesses

For our business members, Michigan First offers comprehensive business banking solutions, including merchant services and business loans. We understand how vital local businesses are to our community, and we're here to help them thrive with the financial support they need.

Digital & Online Banking

Key Features

Our online banking services include everything you need for real-time account management. Enjoy the ease of accessing your accounts 24/7 through our user-friendly interface. Whether you're checking your balance, transferring funds, or paying bills, our platform makes it simple and efficient. In today's fast-paced world, mobile payments are a must-have. At Michigan First, we proudly offer mobile payment options that allow you to make purchases with just a tap on your smartphone. Plus, our mobile application ensures that you can manage your accounts on the go, bringing banking right to your fingertips.

Secure and Accessible Banking

Security is a top priority for us. While we don't currently use electronic signature authorization, rest assured that our systems are designed to keep your information safe and sound. We also provide e-statements, making it easy for you to stay organized without the clutter of paper statements. Need to send money quickly? Our person-to-person transfer feature allows you to send money to friends and family instantly no hassle involved. Just another way we make banking easier for you! With all these tools at your disposal, Michigan First empowers you to handle your finances confidently and conveniently. Explore all our digital services today at http://www.michiganfirst.com and discover how easy banking can be!

Financial Strength

Commitment to Growth

Our commitment to growth is reflected in our $161,095,537 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $6,460 in used auto loans and $1,047,613,488 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Member Trust

With a total of 278,173 share accounts, we have built a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments stand at $2,206,793, reinforcing our ability to support your financial needs effectively. 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 20891 E 13 Mile Rd Roseville Mi 48066 or call (248) 443-4600 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our success is also reflected in our $13,071,474, which showcases our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 489 full-time employees and 1 part-time employees who are always ready to assist you with knowledgeable service.

Secure Savings Options

Members' savings are secured through $108,565,540 in share certificates and $144,620,068 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $30,889,520, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong 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. This robust financial position is complemented by our net worth ratio of $1,480, which demonstrates a solid capital foundation. This ensures 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 $86,854,687 in used vehicle loans and $12,432,644 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates to ensure you find a loan that fits your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $32,803,638 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to improve cash flow, our team can assist you in finding the right financing solution. Our commitment to transparency extends beyond our loan offerings; performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. If you're ready to explore our loan options or want more information about refinancing and eligibility criteria, please don't hesitate to reach out. You can contact us at 248-443-4600 during our operating hours: Monday - Friday from 10 a.m. to 7 p.m., and Saturday from 10 a.m. to 3 p.m. We look forward to assisting you!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $117,086,782, making buying or refinancing simple. We guide you through the process and offer refinancing options to help make homeownership more accessible.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $51,755,952 in loans helping members manage their finances effectively. These cards come with various benefits designed to make everyday spending easier.

Loan Aggregator

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 means you can trust that the offers displayed are fair and transparent. By gathering data directly from these institutions, LendMesh ensures that all comparisons are accurate and reliable.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in what you see. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: You will find up-to-date loan rates from multiple institutions, helping you make informed decisions tailored to your needs. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness and reliability of this comparison tool.

Take Action Today

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