Michigan Legacy Credit Union Flat Rock MI | Affordable Auto Loans & Business Banking

Introduction

At Michigan Legacy, we believe that a strong community is built on trust, support, and shared success. Since our establishment in 1946, we've been dedicated to serving the residents of Flat Rock and beyond from our branch located at 22855 Gibraltar Rd, Flat Rock, MI 48134. With a vibrant membership of over 20,549 individuals and families, we take pride in offering personalized financial services tailored to meet your unique needs. As part of our commitment to you, we manage over $210 million in assets, ensuring that your money is not only safe but also working for you. Our total deposits stand at $17,804,351, reflecting the confidence our members place in us. Whether you're looking for an auto loan among our 9,631 loans and leases, or need assistance with personal banking options like checking accounts or mortgages, we've got you covered. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address at 22895 Gibraltar Rd, Flat Rock, MI 48134. Under the leadership of CEO Carma Peters and Board President Bruce Crossman, our team of 69 dedicated employees is here to ensure you receive the highest level of service. We encourage you to explore our wide range of offerings from personal loans to business banking services. Feel free to reach out to us at 734-379-9125 or visit our website at michiganlegacycu.org for more information. Join us as we continue to build a legacy that empowers every member of our community!

Branch History & Mission

Commitment to Community

While members can visit us at 22855 Gibraltar Rd Flat Rock Mi 48134, official correspondence should be sent to 22895 Gibraltar Rd, Flat Rock, MI 48134. This dedication extends beyond mere transactions; it involves building lasting relationships within our community. We engage in various outreach efforts aimed at supporting local initiatives and enhancing the quality of life for residents in Flat Rock and surrounding areas. In addition to traditional banking services, we pride ourselves on our commitment to inclusivity and accessibility. Our branch features ADA-compliant facilities to ensure everyone can comfortably access our services. We're also equipped with ATMs and drive-thru banking options for added convenience.

Join Us Today!

At Michigan Legacy, we're not just about numbers; we're about people our members and their dreams. As we continue to grow and adapt to the needs of our community, we invite you to join us on this journey. Experience personalized service and a sense of belonging that only a credit union can offer. Reach out today at (734) 379-9125, or explore more about what we have to offer by visiting us online at Michigan Legacy. Together, let's build a brighter financial future!

Our Journey

Over the years, Michigan Legacy has evolved into a trusted financial partner for over 20,500 members. With total assets reaching an impressive $210,783,850, we've become a pillar of stability in the region. Our journey is marked by key milestones that reflect our dedication to member service and community involvement. From expanding our loan offerings to embracing digital banking advancements, we continuously strive to meet the changing needs of our members. Our mission at Michigan Legacy is simple yet profound: to provide exceptional financial services while fostering community growth and support. We believe that everyone deserves access to fair and affordable banking options. That's why we offer a range of services from checking and savings accounts to auto loans and mortgages tailored to empower our members' financial journeys.

Branch Location & Accessibility

Welcome to the Michigan Legacy Flat Rock Branch, your friendly neighborhood credit union located at 22855 Gibraltar Rd, Flat Rock, MI 48134. We take pride in being conveniently situated near local landmarks that make banking easy and accessible for our members. Whether you're visiting us after a trip to the nearby Flat Rock Community Park or on your way home from shopping at local stores, we're here to serve you with all your banking needs. At Michigan Legacy, we understand the importance of accessibility. Our branch features ample parking and ADA-compliant entrances, ensuring everyone can visit us without hassle. Need to stop by during busy hours? Our drive-thru service is available for quick transactions like deposits and withdrawals, making it simple to bank on the go. We are open Monday through Friday from 9:00 AM to 5:00 PM, with extended hours until 6:00 PM on Fridays. On Saturdays, we're here for you from 9:00 AM to 1:00 PM. This flexibility allows you to find a time that works best for your schedule. If you prefer self-service options, we also have an ATM available for cash withdrawals and balance checks right at our branch. Should you need assistance or have any questions, feel free to call us at 734-379-9125. While you can always visit us at our physical location for personal banking services such as checking accounts, auto loans, and mortgage refinancing, please note that if you need to send official correspondence, it should be directed to our mailing address at 22895 Gibraltar Rd, Flat Rock, MI 48134. We invite you to stop by the Michigan Legacy Flat Rock Branch today! Come experience the friendly service and personalized banking solutions that set us apart. We look forward to welcoming you!

Member Eligibility

At Michigan Legacy, we believe that becoming a member means joining a close-knit community where your financial well-being is our top priority. If you live, work, worship, or attend school in the Flat Rock area, you're already on the path to membership! We welcome individuals from various backgrounds and lifestyles to experience the benefits of our credit union, including competitive rates on loans and savings accounts, personalized service, and access to unique member rewards. To start your journey with us at Michigan Legacy, simply visit us at 22855 Gibraltar Rd Flat Rock Mi 48134 or give us a call at (734) 379-9125. For more detailed eligibility criteria and to stay updated, check out our website at https://www.cuinsight.com/press-release/michigan-legacy-credit-union-announces-annual-patronage-dividends-reflecting-another-benefit-of-credit-union-membership-2/. Ready to open an account? It's easy! You can find all the information you need by visiting https://forms.joinmycu.com/mop/148/newmember/promotional. Join us today and discover how being a member of Michigan Legacy can make a positive difference in your financial future!

Business Banking & Commercial Services

Loan Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $6 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $10 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $1,190,850, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Matter

In addition to loans, our merchant services simplify transactions so you can focus on what really matters running your business. Imagine being able to accept payments effortlessly from customers, whether they're paying online or in person. Our services ensure that you have the tools needed to manage your cash flow effectively. Visit us at 22855 Gibraltar Rd Flat Rock Mi 48134 in Flat Rock, MI, or give us a call at (734) 379-9125 to learn more about how we can partner with you on your journey to success!

Comprehensive List Of Services

ATM & Drive-Thru Services

For those who prefer in-person banking, our branch includes an ATM for quick cash withdrawals and balance checks. Additionally, our basic drive-thru service makes it easy for you to conduct simple transactions without leaving your vehicle perfect for busy days! At Michigan Legacy, located at 22855 Gibraltar Rd Flat Rock MI 48134, we strive to make banking simple and enjoyable. Whether you're visiting us in person or using our online services, we're here every step of the way to assist you with all your financial needs. For more information about how we can serve you better or if you have any questions about our offerings, please don't hesitate to give us a call at 734-379-9125. Join us today and experience the difference!

Business Banking

For entrepreneurs and small business owners, we offer specialized business banking services. From merchant services that simplify payment processing to tailored business loans, we're here to support your growth and success.

Credit Cards

Our credit cards with rewards add even more value to your everyday spending. You can earn points for travel, cash back, or other perks simply by using your card for regular purchases. This is just another way we help you get the most out of your financial decisions.

Loans and Financing

For those looking to make significant purchases or investments, our auto loans and vehicle financing options provide competitive rates and flexible terms. Picture driving away in a new car with a loan that fits comfortably within your budget. We also offer mortgage loans and refinancing solutions, making homeownership more accessible than ever. If you're facing unexpected expenses or want to consolidate debt, our personal loans can provide the relief you need. They come with straightforward terms and no hidden fees, ensuring transparency throughout the process.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why our online and mobile banking platforms allow you to manage your accounts anytime and anywhere. Whether you need to check your balance or transfer funds on the go, our digital features make banking easy and accessible.

Personal Banking

We understand that managing personal finances can be challenging. That's why we offer comprehensive personal banking services, including checking and savings accounts tailored to fit your lifestyle. Imagine having a checking account that simplifies your daily transactions while helping you save for future goals. Our savings accounts are designed to help you grow your funds steadily.

Digital & Online Banking

Key Features

Our online banking platform provides everything you need for effective account management. You can view your balances, transfer funds, and even set up e-statements for easy access to your financial documents no more cluttered mailboxes! Plus, with our electronic signature authorization feature, signing important documents is just a click away, adding another layer of convenience. If you're always on the move, our mobile application makes it simple to handle transactions directly from your smartphone. Whether you want to pay bills or check your account balance while you're out and about, our user-friendly app has got you covered. And for those moments when you need to send money quickly to a friend or family member, our person-to-person transfer option ensures that you can do so securely and effortlessly.

Security & Accessibility

We prioritize your security at Michigan Legacy. Our online banking services are equipped with advanced security features to keep your information safe. You can feel confident knowing that your financial data is protected while enjoying the ease of managing your accounts online. Whether you're accessing our services through a computer or our mobile app, you'll find everything is designed with accessibility in mind. Enjoy real-time updates and manage your finances with ease it's all part of our commitment to providing an exceptional banking experience tailored for you. Visit us today at https://michiganlegacycu.org/ and discover how easy digital banking can be!

Financial Strength

At Michigan Legacy, 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 committed to maintaining a strong financial position so you can trust us with your savings and loans. With a net worth of $26,528,807, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.58% 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 $14,302,956 in share certificates and $33,820,901 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $23,993,190 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; we have $15,072,706 in total loans and leases which supports members' financial goals across various sectors. This includes 3,233 used auto loans, helping many fulfill their transportation needs efficiently. While our current net income is $0, it reflects our operational efficiency during the recent period. We also take pride in having 65 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Net Shares (Funds available for lending and investments): $544,686. Total Share Accounts: 30,631, 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 Legacy is your trusted partner. Visit us at 22855 Gibraltar Rd Flat Rock MI 48134 or call 734-379-9125 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 offer some of the lowest rates in the industry, with over $46,982,287 in used vehicle loans and $14,224,457 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles so you can find the right fit for your lifestyle.

Business Financing

For business owners, our outstanding commercial loans totaling $1,190,850 provide the capital needed to grow and expand. We understand the importance of having reliable funding for your business endeavors. If you're considering refinancing or want to learn more about eligibility options for any of our loan products, don't hesitate to reach out. You can call us at (734) 379-9125 or visit us during our lobby hours from Monday to Friday between 9:00 am and 5:00 pm (extended hours until 6:00 pm on Fridays). At Michigan Legacy Credit Union, we prioritize transparency and member satisfaction. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Discover how our loan products can empower your financial future today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $3,799,472, make buying or refinancing simple. We offer competitive rates and flexible terms to help you secure the home of your dreams.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $5,776,097 in loans helping members manage their finances effectively. These cards are designed to give you the purchasing power you need while offering a straightforward repayment structure.

Loan Aggregator

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Michigan Legacy