Michigan First Credit Union Troy MI | Affordable Auto Loans & Business Banking

Introduction

At Michigan First, we believe that financial services should be as personal and accessible as your local community. Located at 2001 W Maple Rd, Troy, MI 48084, our branch is more than just a place to handle transactions; it's a hub for empowering our members to achieve their financial goals. Since our establishment in 1926, we have grown into a trusted partner for over 165,000 members, ensuring they have the support they need every step of the way. With total assets exceeding $1.45 billion, Michigan First is committed to providing exceptional value to our members through competitive products and services. Whether you're looking for auto loans, mortgage options, or personal banking solutions, we have you covered with $92,717,185 in deposits and a solid net worth of $215,571,682. Our leadership team, led by CEO Jennifer Borowy and Board President Linda Height, works tirelessly to foster a culture of trust and community engagement. We are proud to offer personalized service from our dedicated team of 490 employees who are always ready to assist you with your financial needs. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be sent to the same address: 2001 W Maple Rd, Troy, MI 48084. If you're ready to take charge of your finances or simply want to learn more about how we can help you thrive financially, don't hesitate to reach out! Call us today at 800-664-3828 or visit us online at Michigan First. Let's work together towards your financial success!

Branch History & Mission

Community Commitment

At Michigan First, we pride ourselves on being more than just a credit union; we are an integral part of the Troy community. We actively engage in partnerships with local organizations and initiatives that promote financial wellness and education. Our commitment extends beyond mere transactions; it involves fostering a sense of belonging among our members. We also embrace technology to make banking accessible for everyone. With features like online banking, mobile payments, and ATM availability, managing finances has never been easier. Although we do not currently offer drive-thru service or shared service centers, our focus remains on providing personalized assistance whenever needed. In this ever-changing financial landscape, we're proud to maintain ADA compliance so that all members can access our services comfortably.

Join Us Today!

The legacy of Michigan First is built on trust, innovation, and community spirit. We invite you to become a part of this journey experience firsthand the benefits that come with membership in a credit union dedicated to your financial success. Whether you're looking for a new account or seeking guidance on loans and investments, we're here for you every step of the way. For more information or assistance, feel free to reach out at 800-664-3828 or visit us online at michiganfirst.com. Join us today and let's build a brighter financial future together!

Our Mission

Our mission at Michigan First is not just about banking; it's about building relationships and supporting our community. We offer a wide range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Additionally, we understand the importance of business banking and provide merchant services and business loans to help local entrepreneurs thrive. While members can visit us at our branch location in Troy, official correspondence should be sent to our mailing address at 2001 W Maple Rd, Troy, MI 48084. Our operating hours are convenient for busy schedules: 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.

Branch Location & Accessibility

Easy Access and Features

At Michigan First, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ample parking to ensure that everyone can visit us with ease. While our lobby hours are welcoming open 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. we also offer convenient ATM services for quick transactions outside of these hours. If you need to reach us, don't hesitate to call at 800-664-3828. We're here to help with everything from personal banking needs like checking and savings accounts to auto loans and mortgage options.

Visit Us Today!

While members can visit us at our main location on Maple Rd, any official correspondence should be sent to the same address. We look forward to welcoming you into our friendly environment where your financial needs come first. Stop by today or give us a call!

Member Eligibility

At Michigan First, we believe that everyone deserves a chance to be part of our caring community, and becoming a member is easier than you might think! If you're looking to join us at our Troy location, situated at 2001 W Maple Rd Troy Mi 48084, you're in for some great benefits. Typically, membership is open to anyone who lives, works, or worships in the area, so if you're part of our local community, we'd love to welcome you. Plus, members enjoy access to a variety of financial services tailored just for them, including checking and savings accounts, loans, and more. To start your journey with us, simply give us a call at (800) 664-3828 or check out our website for more details on the eligibility criteria and account opening process. We encourage you to visit this link for the most up-to-date information about how to become a member. Joining Michigan First means joining a family that's dedicated to helping you achieve your financial goals!

Business Banking & Commercial Services

Business Loans That Empower Growth

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 That Make Transactions Easy

Imagine streamlining your payment process. Our merchant services allow you to accept payments from customers quickly and securely, whether in-store or online. This means fewer headaches for you and a better experience for your customers. If you're looking to take your business to the next level, visit us at 2001 W Maple Rd Troy Mi 48084 in Troy, MI or call us at (800) 664-3828. Let's work together to turn your business dreams into reality!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're considering purchasing a new car or refinancing an existing loan, our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms. With quick approvals and personalized service, getting behind the wheel of your dream car is easier than ever.

Business Banking Services

For our business members, we provide comprehensive Business Banking services including Merchant Services and Business Loans. We understand that managing a business comes with unique challenges, so our solutions are crafted to help you thrive in today's competitive environment.

Convenient Access Options

Accessing your funds has never been easier! Our branch offers an ATM, allowing for quick cash withdrawals and balance checks without the need for long lines. Plus, with mobile payments and person-to-person payment options available through our apps, managing your finances on-the-go is simple and convenient. In conclusion, at Michigan First in Troy, we strive to meet all your financial needs under one roof. Our friendly staff is always ready to assist you with any questions or guidance you might need along the way. Don't hesitate to reach out at 800-664-3828 or visit us at 2001 W Maple Rd during our lobby hours: 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. Join us today and experience how easy managing your finances can be!

Credit Cards with Rewards

Enjoy shopping rewards with our Credit Cards with Rewards program. Whether you want cash back on purchases or points toward travel, these cards are designed to give you more value for every dollar spent.

Mortgage Loans & Refinancing

Homeownership is a big step, and with our Mortgage Loans & Refinancing, we guide you through every stage of the process. Whether you're buying your first home or looking to refinance your current mortgage for better rates, our team is here to assist you in making informed decisions.

Personal Banking Solutions

For those seeking to manage their day-to-day finances, our Personal Banking options include both checking and savings accounts tailored to fit your lifestyle. Imagine having easy access to your funds through our online and mobile banking services. You can check balances, transfer money, and pay bills right from your smartphone perfect for busy days when time is tight.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. That's why we offer Personal Loans & Debt Consolidation options. These loans can help you cover emergencies or combine multiple debts into one manageable payment, simplifying your financial life.

Digital & Online Banking

Key Features

We're proud to offer features like electronic statements, which let you keep track of your transactions without the clutter of paper. You can also enjoy the flexibility of mobile payments, making it easy to pay for everyday purchases directly from your phone. Need to send money to a friend? Our person-to-person transfer feature lets you do just that in seconds! While we prioritize user-friendly experiences, we never compromise on security. Your information is protected with advanced security measures so you can bank with peace of mind. Although we don't currently offer electronic signature authorization, rest assured that all other services are designed with your safety in mind. At Michigan First, we strive to provide accessible and efficient banking solutions tailored to fit your lifestyle. Whether you're at home or out and about, managing your finances has never been more straightforward. Join us today and discover how our digital banking services can simplify your life!

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 supports your financial goals with $6,460 in used auto loans and $1,047,613,488 in total loans and leases.

Member-Centric Savings

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.

Operational Excellence

Our operational efficiency is evident in our $2,857,264, which enables us to continue offering competitive loan rates and solid financial products for our members. 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.

Solid Financial Foundation

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 14.80% 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

Net Shares (Funds available for lending and investments): $2,206,793. Total Share and Deposit Accounts: 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 2001 W Maple Rd Troy Mi 48084 or call (800) 664-3828 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Financing Options

For those looking for more financing solutions, we provide total credit lines amounting to $622,143,331, ensuring you have access to funds when you need them most. Additionally, if you're a business owner seeking capital for growth or expansion, our outstanding commercial loans total $32,803,638. We also have refinancing options available to help reduce your monthly payments or secure better rates as your financial situation improves. Eligibility requirements may vary based on the specific loan product. At Michigan First, we prioritize making the lending process as straightforward as possible while offering personal support throughout your journey. Visit us today or call us at 800-664-3828 to learn more about how we can assist you with your financing needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 offer options for both new and used vehicles to ensure you find financing that fits your budget.

Credit Card Loans

Managing finances can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $51,755,952 in loans helping members manage their expenses effectively. Our credit card options come with rewards and benefits tailored to meet your needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple and accessible. We have Junior Lien 1-4 Family Residential Properties loans totaling $117,086,782, which can help you finance your dream home or refinance an existing mortgage.

Loan Aggregator

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MICHIGAN FIRST CREDIT UNION - Troy, MI

Type of Loan Offerings

Vehicle Loans

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