Michigan First Credit Union Sterling Heights MI | Top Auto Loans & Personal Banking

Introduction

Welcome to Michigan First, your trusted partner in financial growth and community support, located conveniently at 2051 18 Mile Rd, Sterling Heights, MI 48314. Since our establishment in 1926, we have proudly served over 165,000 members, providing a robust range of financial services tailored to meet your needs. With total assets exceeding $1.45 billion and deposits amounting to $92,717,185, our commitment to financial stability and member satisfaction is unwavering. At Michigan First, we believe that your success is our mission. Our dedicated team, led by CEO Jennifer Borowy and Board President Linda Height, works tirelessly to ensure that you have access to valuable resources like personal banking options, auto loans, mortgage solutions, and business services. We understand the importance of community involvement and strive to make a positive impact through various initiatives. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to the same location: 2051 18 Mile Rd, Sterling Heights, MI 48314. Our branch is open from Monday to Friday from 10:00 a.m. to 7:00 p.m. and Saturday from 10:00 a.m. to 3:00 p.m. Feel free to reach out at 800-664-3828 if you have any questions or need assistance. Join us today and experience the benefits of being part of the Michigan First family! Explore more about our services by visiting our website. Your journey toward financial success starts here!

Branch History & Mission

Community Focus

Our commitment goes beyond just numbers; it's about people. We actively engage in community outreach programs and partnerships that make a real difference in the lives of those around us. By participating in local events and supporting various organizations, we strive to create a positive impact where it matters most. As technology evolves, so do we! Michigan First embraces modern conveniences like online banking and mobile payments while ensuring our services remain ADA compliant and user-friendly for all members. You can find an ATM available right at our location for quick cash access. While members can visit us at 2051 18 Mile Rd, official correspondence should be sent to the same address as it serves as both our branch and mailing address. We invite you to join Michigan First today! Experience firsthand the benefits of being part of a credit union that truly cares about your financial well-being and invests in the future of our community. For more information or assistance, feel free to give us a call at 800-664-3828 or visit us online at michiganfirst.com. Your journey towards better banking starts here!

Our Mission

Our mission at Michigan First is clear: we aim to empower our members through exceptional financial services while fostering a strong sense of community. We believe that everyone deserves access to quality banking options, which is why we offer a range of products including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. We are dedicated to helping you achieve your financial goals while also supporting local initiatives and charities that uplift our community. Over the years, we've achieved remarkable milestones with total assets reaching an impressive $1.45 billion. This growth reflects our commitment to providing sound financial solutions tailored to our members' unique needs. We pride ourselves on being accessible; our branch operates Monday through Friday from 10:00 a.m. to 7:00 p.m., and Saturday from 10:00 a.m. to 3:00 p.m., making it easy for you to visit us.

Branch Location & Accessibility

Connect With Us

If you have any questions or would like more information about what we offer, don't hesitate to call us at 800-664-3828. Our dedicated staff is always ready to assist you! We invite you to visit us soon at Michigan First in Sterling Heights where your financial journey begins!

Operating Hours

We understand that life gets busy. That's why our lobby hours are designed to fit your schedule. We're open Monday through Friday from 10:00 AM to 7:00 PM and on Saturday from 10:00 AM to 3:00 PM. Whether you need help with personal banking or exploring loan options, our friendly team is here for you during these hours.

Parking and Accessibility

At Michigan First, we prioritize your comfort and convenience. Our branch offers ample parking space right at the front door, so you won't have to worry about finding a spot. We are also proud to be ADA-compliant, featuring ramps and accessible entrances to ensure everyone can easily reach us.

Services Offered

At Michigan First, we offer a range of services tailored for every member of the community. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Plus, if you need cash quickly, our ATM is available on-site for your convenience.

Member Eligibility

At Michigan First, we believe that everyone deserves the chance to be part of a supportive community that puts your financial needs first. Becoming a member is easy and welcoming! If you live, work, worship, or attend school in the areas served by us, you're already on the right path. We invite you to join our family where you'll enjoy personalized services like checking and savings accounts, auto loans, mortgages, and more tailored just for you. For more detailed information about our eligibility criteria, feel free to visit this page. Opening an account at Michigan First is straightforward. Just drop by our branch located at 2051 18 Mile Rd Sterling Heights Mi 48314 or give us a call at (800) 664-3828 for assistance. Our friendly team is ready to help guide you through every step of the process so that you can start enjoying all the benefits of membership without any hassle. Join us today and experience the difference!

Business Banking & Commercial Services

Business 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

In addition to loans, we offer merchant services that simplify payment processing. Picture this: your customers can pay easily with various options, improving their experience while streamlining your cash flow. Our tools make it easier for you to focus on running your business while we handle the transactions. With a dedicated team at Michigan First, located at 2051 18 Mile Rd Sterling Heights Mi 48314 in Sterling Heights, MI, we're here to help you navigate your financial journey. Reach out today at (800) 664-3828 to discover how we can partner together for success!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about getting a new vehicle? Our Auto Loans & Vehicle Financing are designed to make your purchase as smooth as possible. We offer competitive rates and flexible terms so you can drive away with confidence. Picture yourself hitting the road in your dream car, knowing that you've secured an excellent loan deal with us.

Business Banking

For entrepreneurs and small business owners, Michigan First offers robust Business Banking services including merchant services and business loans. We understand that running a business comes with its challenges; that's why we're here to support your journey towards success.

Credit Cards with Rewards

Want to earn while you spend? Our Credit Cards with Rewards offer cash back and other perks tailored for everyday use. Imagine earning rewards on groceries or gas purchases all while enjoying the security of knowing you're using a credit card from a trusted institution.

Digital Banking Features

In today's fast-paced world, convenience is key. Our Online & Mobile Banking features ensure that managing your finances is easier than ever. Whether it's checking account balances, making transfers, or paying bills all available at your fingertips via our mobile app or website! And don't forget about our ATM services for quick cash withdrawals whenever you need them. At Michigan First, we're not just another credit union; we're part of your community dedicated to helping members like you achieve their financial goals. For any questions or assistance, feel free to reach out to us at 800-664-3828 or visit us in person during lobby hours from Monday to Friday from 10:00 AM to 7:00 PM and Saturday from 10:00 AM to 3:00 PM. Ready to take the next step? Join us today at Michigan First!

Mortgage Loans & Refinancing

For those ready to invest in a home or refinance an existing mortgage, our Mortgage Loans & Refinancing options have got you covered. We'll guide you through the process and help you find the right plan that fits your budget. Owning a home is more than just a dream; it's a reality waiting for you at Michigan First.

Personal Banking

We understand that managing your finances can be overwhelming at times. That's why we provide Personal Banking options, including checking and savings accounts tailored for your lifestyle. Our accounts are easy to open and maintain, ensuring you have the flexibility you need. Imagine checking your balance or transferring funds from the comfort of your home using our online banking platform it's that simple!

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. That's where our Personal Loans & Debt Consolidation services come into play. Whether it's consolidating debt or funding a special project, we provide solutions that work for you helping you regain control over your financial situation.

Digital & Online Banking

Enhanced Accessibility

Our e-statements feature means no more cluttered mailboxes. You can easily access your statements online, making it simple to track your financial activities. If you're on the go, our mobile payments feature lets you make purchases quickly and securely right from your smartphone. Need to send money to a friend or family member? Our person-to-person transfers make it easy to send funds instantly without hassle. Whether you're splitting a bill or sending a gift, it's as simple as a few taps on your screen. At Michigan First, we strive to make banking accessible and straightforward. Explore all our digital services today and experience the ease of managing your finances in the way that suits you best!

Key Features of Our Digital Banking Services

Enjoy the freedom of 24/7 online banking services, allowing you to check balances, transfer funds, and pay bills on your schedule. No more waiting in lines everything you need is right at your fingertips. Plus, with our mobile application, you can take your banking experience with you wherever life takes you. Security is a top priority for us. While we currently do not support electronic signature authorization, we ensure that all transactions are protected with advanced security measures to keep your information safe.

Financial Strength

At Michigan First, 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 our strong financial position, which reflects our commitment to serving you effectively. 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. 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. We also take pride in having 489 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. 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. Our $13,071,474 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. Total Share Accounts stand at 278,173, showing a strong and growing member base that trusts 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 2051 18 Mile Rd Sterling Heights Mi 48314 or call (800) 664-3828 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry. We've already issued over $12,432,644 in new vehicle loans and $86,854,687 in used vehicle loans, helping members get on the road with confidence. Whether you're financing a brand-new model or a reliable used vehicle, we have options that fit your budget.

Business Financing

For business owners looking to expand or invest in their operations, our outstanding commercial loans total $32,803,638. We provide the capital needed for growth while ensuring easy repayment terms tailored to your business's cash flow.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing straightforward. With Junior Lien 1-4 Family Residential Property loans totaling $117,086,782, we can help you navigate the path to owning your home. If you're considering refinancing your existing mortgage, talk to us about your eligibility options.

Refinancing Options

If you're thinking about refinancing any of your existing loans be it an auto loan or mortgage we're here to guide you through the process and help you find the best solution that meets your financial situation. You can reach us at 800-664-3828 for any questions or assistance with your loan applications. At Michigan First, we are committed to serving our members with personalized financial solutions. 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's work together towards achieving your financial aspirations!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $51,755,952 in loans available to help members manage their finances effectively, our credit card options come with competitive interest rates and rewards.

Loan Aggregator

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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 rigorous sourcing ensures fair and transparent offers for all users. By focusing on verified data, LendMesh maintains a high standard of reliability in its comparisons.

Michigan First