Michigan Legacy Credit Union Pontiac MI | Affordable Auto Loans & ATM Services

Introduction

Welcome to Michigan Legacy at our Pontiac Branch, located conveniently at 144 E Pike St, Pontiac, MI 48342. Since our establishment in 1946, we have proudly served our community with a commitment to financial well-being and member satisfaction. With over 20,549 members, we are dedicated to providing personalized banking solutions that meet your unique needs. At Michigan Legacy, we understand that trust is built on transparency and reliability. Our total assets stand strong at $210,783,850, reflecting our stability and the trust you've placed in us. We've also facilitated more than 9,631 loans for our members, helping them achieve their dreams of home ownership, vehicle purchases, and personal growth. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to the same address: 144 E Pike St, Pontiac, MI 48342. If you have any questions or need assistance, feel free to reach out to us at 248-334-0568. Under the leadership of CEO Carma Peters and Board President Bruce Crossman, we take pride in our dedicated team of 69 employees who work tirelessly to provide exceptional service. Our financial strength is further evidenced by a net worth of $26,528,807 and total deposits amounting to $17,804,351. We invite you to explore our range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. You can learn more about what we offer by visiting our website at Michigan Legacy Credit Union. Join us today and experience the difference of being part of a credit union that truly cares about its members. Visit us at our Pontiac branch or give us a call we're here for you!

Branch History & Mission

Join Us Today

While members can visit us at 144 E Pike St for all their banking needs, official correspondence should be sent to the same address. If you're looking for a credit union that values you as more than just an account number, look no further! We invite you to join Michigan Legacy Credit Union today and experience the difference of being part of a cooperative that truly cares about your financial success. Whether you're looking for savings accounts or loans tailored just for you, we're here to help you every step of the way. Reach out at 248-334-0568 or visit us online at Michigan Legacy CU for more information on how we can serve you better!

Our Mission

At Michigan Legacy Credit Union, our mission is simple: to empower our members through exceptional financial services while fostering a strong sense of community. We strive to create an environment where everyone feels welcome and valued. We understand that each member's needs are unique; therefore, we offer personalized solutions that cater to your specific circumstances. We also prioritize innovation and accessibility. Our branch is equipped with modern conveniences including online banking and ATM services for your ease of access. While we currently do not offer drive-thru service, our lobby hours from Monday through Friday from 9:00 AM to 5:00 PM ensure that you can get the support you need when you need it most.

Our Story

The story of Michigan Legacy is one of commitment and community. Founded with the mission to provide financial services tailored to the needs of our members, we have evolved significantly over the years. Our journey began in a small office but has since expanded to include robust offerings such as personal banking, auto loans, mortgages, credit cards with rewards, and business banking solutions. We take pride in being a member-focused institution that prioritizes your financial goals. As we grew, so did our dedication to serving the community. We believe that banking goes beyond transactions; it's about building lasting relationships. Our partnerships with local organizations and involvement in community outreach initiatives reflect our commitment to making a positive impact in Pontiac and beyond.

Branch Location & Accessibility

Convenient Features

Our branch is designed with your convenience in mind. We offer ample parking right outside the building, ensuring you can get in and out quickly. The facility is also ADA-compliant, featuring ramps and accessible entrances for all members of our community.

Friendly Call-to-Action

We invite you to stop by and discover how we can assist you in achieving your financial goals. Feel free to give us a call at 248-334-0568 if you have any questions or want more information about our services. Join us today at the Michigan Legacy Credit Union in Pontiac where we make banking easy and accessible for everyone!

Operating Hours

We understand that your time is valuable. That's why we're open Monday through Friday from 9:00 AM to 5:00 PM. Whether you need assistance with personal banking, auto loans, or credit card services, our team is ready to help during these hours.

Services Available

At Michigan Legacy Credit Union, we pride ourselves on offering a variety of financial services tailored to meet your needs. From checking and savings accounts to auto loans and mortgage refinancing, we have you covered. Plus, our ATM services are available for quick cash withdrawals and balance checks whenever you need them.

Member Eligibility

At Michigan Legacy, we believe that becoming a member is like joining a family where everyone supports each other. If you're looking to enjoy personalized financial services and a sense of community, you're in the right place! To become a member of Michigan Legacy, you need to meet some simple eligibility criteria. Generally, anyone who lives, works, worships, or attends school in Oakland County can join us. This means if you're part of our local community, you're already on your way to benefiting from all that we offer! Getting started is easy; just visit us at our branch located at 144 E Pike St, Pontiac, MI 48342, or give us a call at 248-334-0568 for more information. For those ready to take the next step, you can find out more about the account opening process by visiting our website at Michigan Legacy or directly checking our eligibility details here: Eligibility Criteria. We're excited to welcome you into our community!

Business Banking & Commercial Services

Business Loans Tailored for Growth

Imagine securing the funds to expand your operations, hire more staff, or invest in new technology. 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.

Practical Merchant Services

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine being able to accept payments easily from your customers, whether they prefer cash, credit cards, or mobile payments. Our solutions help streamline transactions, improve cash flow, and enhance customer satisfaction. Located conveniently at 144 E Pike St Pontiac Mi 48342 in Pontiac, MI, our team is here to assist you every step of the way. Contact us today at (248) 334-0568 to learn more about how we can support your business ambitions!

Comprehensive List Of Services

Business Banking Services

If you're a business owner, Michigan Legacy supports you with essential services like merchant services and business loans. We understand the importance of having reliable financial backing for your ventures. Our team is here to assist you in choosing the right solutions that will help grow your business.

Connect With Us

At Michigan Legacy, we're not just about numbers; we're about people. Your financial well-being is our priority. If you have questions or want to explore any of our services further, don't hesitate to reach out! Call us at 248-334-0568 or visit us at our Pontiac branch. Let us help you achieve your financial goals today!

Convenient Digital Tools

In today's fast-paced world, having access to digital banking features is crucial. With our online and mobile banking, managing your finances has never been more accessible. You can easily perform transactions from the comfort of your home or while on-the-go through our intuitive mobile application. Additionally, we provide ATM services for cash withdrawals and balance checks whenever you need them.

Personal Banking Solutions

Managing your finances should be simple and straightforward. That's why we offer various checking and savings accounts tailored to fit your lifestyle. With online and mobile banking features, you can check balances, transfer funds, and pay bills anytime, anywhere. Imagine sitting on your couch, making payments with just a few taps on your phone; that's the convenience we strive to provide. When it comes to financing your vehicle, our auto loans and vehicle financing options make buying a car easier than ever. Picture yourself driving off in a new car with competitive rates that suit your budget. We also offer mortgage loans and refinancing to help you secure the home of your dreams or lower your monthly payments on your current mortgage. For those unexpected expenses or plans that need funding, our personal loans and debt consolidation options are available to provide financial relief when you need it most. Plus, with our credit cards that offer rewards, you can earn points on everyday purchases while enjoying the benefits of flexible payment options.

Digital & Online Banking

Key Features

Our online banking platform allows you to check balances, transfer funds, and pay bills with just a few clicks. You can also enjoy the benefits of e-statements, providing you with an eco-friendly way to keep track of your financial documents without the clutter of paper. And for those who prefer signing documents digitally, our electronic signature authorization feature makes it simple and secure. If you're on the go, our mobile application gives you all the functionality of online banking right in your pocket. Need to send money to a friend? Our person-to-person transfer service lets you do just that quickly and easily. Plus, while we currently don't offer mobile payments, we're continuously looking for ways to enhance your banking experience.

Security and Ease-of-Use

At Michigan Legacy, your security is our top priority. We utilize advanced encryption technology to protect your information while providing a user-friendly interface that makes navigation a breeze. Whether you're tech-savvy or new to digital banking, you'll find our services straightforward and intuitive. With real-time account management available at your fingertips, staying on top of your finances has never been easier. From reviewing transactions to managing budgets, everything you need is just a tap away. Join us at Michigan Legacy and discover how our digital and online banking services can simplify your financial life today!

Financial Strength

Growing Together

Total Share and Deposit Accounts: 30,631, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $544,686 further illustrate our capability to support your needs effectively. 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 144 E Pike St Pontiac Mi 48342 or call (248) 334-0568 to learn more about how we can help you achieve your financial goals.

Investing Back into Our Community

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 supports your financial goals across various sectors with $3,233 in used auto loans and $150,727,064 in total loans and leases.

Member-Centric Savings

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.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 65 full-time employees and 4 part-time employees who are always ready to serve you with a knowledgeable, committed team.

Our Financial Health

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 $1,258 demonstrates a solid capital foundation, ensuring 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. We've already issued over $46,982,287 in used vehicle loans and $14,224,457 in new vehicle loans to help members get on the road. Whether it's for a brand-new model or a reliable pre-owned option, our flexible terms make it easy to find a financing solution that fits your budget.

Business Loans

For business owners looking to expand, our outstanding commercial loans totaling $1,190,850 provide the capital needed for growth. We understand the unique challenges businesses face and are here to support you with financing options that work for you. If you're interested in exploring any of these loan products or need assistance understanding eligibility requirements, please don't hesitate to contact us at (248) 334-0568 or visit us at our branch located at 144 E Pike St Pontiac Mi 48342 in Pontiac, MI. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Michigan Legacy, we're dedicated to serving our community by providing accessible financial solutions that empower you every step of the way.

Mortgage Loans

Thinking about homeownership? Our mortgage options are tailored for you. We offer Junior Lien 1-4 Family Residential Properties loans totaling $3,799,472, making buying or refinancing simple and straightforward. If you're considering refinancing your current mortgage, we can assist with that as well our team is here to guide you through the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $5,776,097 in unsecured credit card loans available, members can manage their finances effectively while enjoying rewards and benefits tailored to their spending habits.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in the comparison process. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect the best options available. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, enabling them to make decisions based on the latest market information. 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 of the platform in delivering valuable insights. Take control of your borrowing experience today. Compare real-time loan offers 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.

How LendMesh Ensures 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 approach guarantees that users receive fair and transparent offers tailored to their financial needs. By ensuring all lenders meet these rigorous standards, LendMesh helps users make informed choices without unnecessary complications.

MICHIGAN LEGACY CREDIT UNION - Pontiac, MI