Michigan Legacy Credit Union Wyandotte MI | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Michigan Legacy at our Wyandotte Branch, located conveniently at 269 Oak St, Wyandotte, MI 48192. Since our establishment in 1946, we have been dedicated to serving the financial needs of our community with trust and integrity. With a growing membership of over 20,549 individuals, we take pride in being a reliable partner for your personal and business banking needs. At Michigan Legacy, we believe in the power of community. Our total assets stand strong at $210,783,850, ensuring that we can provide robust financial solutions tailored just for you. Whether you're looking for an auto loan or need help managing your savings, our total deposits of $17,804,351 reflect our commitment to safeguarding your money while helping it grow. Our team is led by Carma Peters, our CEO, alongside Board President Bruce Crossman. Together, they steer our mission to deliver exceptional service through transparency and dedication. We employ 69 passionate professionals who are always ready to assist you with any inquiries or concerns. While members can visit us at 269 Oak St, official correspondence should be sent to the same address for consistency. You can reach us directly at 734-285-0600 during our lobby hours from Monday to Friday. We also offer convenient drive-thru services for quick transactions. Join us today and experience the difference that comes with being part of a member-focused credit union. Visit our website at michiganlegacycu.org to learn more about our services or stop by our branch we're excited to welcome you!

Branch History & Mission

At Michigan Legacy, we pride ourselves on a rich history that began in 1946. Located at 269 Oak St, Wyandotte, MI 48192, our branch has grown from humble beginnings to become a cornerstone of financial support for our community. With over 20,000 members and total assets exceeding $210 million, we are dedicated to providing personalized financial services that empower our members. Our mission is clear: to enhance the financial well-being of our members while supporting the communities we serve. We offer a range of services including personal banking, auto loans, mortgage refinancing, and business banking solutions. By focusing on member needs and community engagement, we strive to make a real impact in people's lives. As part of our commitment to accessibility and convenience, we provide ATM availability and drive-thru banking options for easier transactions. Our lobby hours are Monday through Friday from 9:00 AM to 5:00 PM, with extended hours on Fridays until 6:00 PM. Saturdays are open from 9:00 AM to 1:00 PM, making it easy for you to access your financial needs when it suits you best. While members can visit us at our Wyandotte location, official correspondence should be sent to our mailing address at 269 Oak St., Wyandotte, MI 48192. This ensures that your important documents reach us without delay. Over the years, Michigan Legacy has embraced digital advancements while remaining compliant with ADA standards. Our focus on customer service extends beyond transactions; we actively engage in community outreach and partnerships aimed at uplifting those around us. We invite you to join Michigan Legacy and experience firsthand the benefits of being part of a credit union that truly cares about its members and the community. Together, we can achieve your financial goals while building a brighter future for all. For more information or to become a member today, please call us at 734-285-0600 or visit our website at Michigan Legacy.

Branch Location & Accessibility

Accessibility Features

At Michigan Legacy, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps to ensure everyone can visit us comfortably. Parking is ample and easily accessible, making your trip hassle-free.

Get in Touch

We invite you to stop by or give us a call at 734-285-0600 if you have any questions or need assistance. The team at Michigan Legacy is ready to welcome you with open arms and help you achieve your financial goals!

Operating Hours

Our lobby is open Monday through Friday from 9:00 AM to 5:00 PM, with extended hours on Fridays until 6:00 PM. If you're in need of some quick transactions outside of lobby hours, our drive-thru service is available Monday through Thursday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 1:00 PM. We aim to make your banking experience as convenient as possible!

Services Available

At the Wyandotte Branch, we offer a range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgages, our friendly staff is here to help you every step of the way. Plus, with an ATM on-site and drive-thru banking options available, managing your money has never been easier.

Member Eligibility

Becoming a member of Michigan Legacy is like stepping into a community where your financial well-being is the priority. If you live, work, or worship in the area around our branch at 269 Oak St Wyandotte Mi 48192, you're already on your way to joining our family. We believe that everyone deserves access to friendly and personalized banking services. Whether you're looking for savings options, loans, or simply a supportive place to manage your finances, Michigan Legacy has got your back. To get started, you can check out more about the eligibility requirements at https://www.cuinsight.com/press-release/michigan-legacy-credit-union-announces-annual-patronage-dividends-reflecting-another-benefit-of-credit-union-membership-2/ . It's simple and straightforward! Once you're ready to take the next step, opening an account is just as easy; visit us online at https://forms.joinmycu.com/mop/148/newmember/promotional or give us a call at (734) 285-0600 if you have any questions. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Merchant Services that Matter

In addition to loans, we offer comprehensive merchant services tailored for businesses at all stages. Imagine having the ability to accept payments easily, manage transactions efficiently, and access funds quickly. Our solutions are designed to enhance your operational efficiency, allowing you to focus on what you do best growing your business. Located at 269 Oak St Wyandotte Mi 48192 in Wyandotte, MI, we invite you to visit us or call us at (734) 285-0600 to learn how our business banking and commercial services can help you achieve your goals!

Tailored Loan Options

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.

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash in a hurry? Our ATM services ensure quick access to your funds whenever you need them. Plus, our basic drive-thru banking allows for easy deposits and withdrawals without leaving your car perfect for those busy days! At Michigan Legacy in Wyandotte, MI, we prioritize your financial well-being by offering these comprehensive services designed around your needs. If you're ready to explore how we can assist you further or if you have any questions about our offerings, don't hesitate to reach out! Call us at 734-285-0600, or visit us at our branch today!

Business Banking Support

For entrepreneurs and small business owners, we offer specialized business banking services, including merchant services and business loans. We understand the challenges of running a business, so we're here to provide financial tools that can help you succeed.

Consolidate Your Debt

Managing multiple debts can be daunting, but with our personal loans and debt consolidation services, we can assist in simplifying your payments into one manageable monthly sum. This means less worry and more time focusing on what truly matters in life.

Digital Banking Convenience

In today's fast-paced world, convenience is key. With our online and mobile banking platforms, you can manage your accounts anytime, anywhere. Check balances, transfer funds, or pay bills right from your smartphone or computer it's all part of our commitment to making banking as easy as possible.

Home Sweet Home

If owning a home is on your agenda, our mortgage loans and refinancing options can help turn that dream into reality. We know that buying a home is one of the biggest decisions you'll ever make, so we're here to guide you every step of the way with personalized mortgage solutions.

Personal Banking Solutions

We understand that managing your finances can sometimes feel overwhelming. That's why we offer personal banking services tailored just for you. From checking and savings accounts to help you manage daily expenses and plan for the future, we aim to make banking simple and accessible. Imagine having a checking account that not only helps you track your spending but also earns interest this is what we strive to provide.

Rewarding Credit Card Options

Our credit cards with rewards allow you to earn points on everyday purchases, helping you save money while enjoying your favorite things. Whether it's travel perks or cashback offers, our credit card options are built with you in mind.

Vehicle Financing Made Easy

Thinking about purchasing a new car? Our auto loans and vehicle financing options are designed to fit your budget and lifestyle. We offer competitive rates that make it easier for you to drive away in the vehicle of your choice. Picture yourself hitting the road without the stress of high monthly payments.

Digital & Online Banking

Mobile Convenience

For those always on the go, our mobile application makes banking even easier. You can download it to manage your accounts, make person-to-person transfers, and access essential features right from your smartphone. And while mobile payments are not currently available, you can still enjoy the flexibility of handling transactions directly through our app.

Real-Time Management

Stay updated with real-time notifications about your account activities. Whether you're checking balances or making payments, everything is just a few taps away. Our goal is to empower you with tools that simplify financial management without sacrificing security. Experience the ease of banking with Michigan Legacy where modern technology meets personalized service!

Secure and User-Friendly Features

Your security is our priority. We utilize electronic signature authorization, allowing you to sign documents safely and conveniently online. Plus, enjoy the option of e-statements, which lets you receive your account statements electronically keeping your information safe while reducing paper clutter.

Your Online Banking Hub

With our 24/7 online banking services available at https://michiganlegacycu.org/ , you can check your account balances, pay bills, and transfer funds anytime, anywhere. No need to rush to the bank during business hours; simply log in from your computer or mobile device whenever it suits you.

Financial Strength

A Solid Foundation

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.

Commitment to Excellence

Our operational efficiency is reflected in our net income of $0, allowing us to continue offering competitive loan rates and solid financial products for our members. 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.

Growing Together

We currently have 30,631 total share accounts, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending stand at $544,686, providing further assurance of our ability to support you financially. 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 269 Oak St Wyandotte Mi 48192 or call 734-285-0600 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.*

Member-Focused 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.

Reinvesting for Your Benefit

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 with $15,072,706 in total loans and leases. This includes 3,233 used auto loans, designed to help you drive away with the vehicle you need while keeping your budget intact.

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 flexible terms and competitive rates that make financing your next vehicle both straightforward and affordable.

Commercial Loans

For business owners, our outstanding commercial loans totaling $1,190,850 provide the capital needed to grow and expand. Whether you're starting a new venture or need funds for an existing business, we are committed to supporting local entrepreneurs. At Michigan Legacy Credit Union, we want to ensure everyone has access to the financing they need. If you're interested in refinancing or checking eligibility options for any of our loan products, don't hesitate to contact us. We are here to help simplify the process for you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us today or check out our website at Michigan Legacy for more details on how we can support your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $3,799,472, making buying or refinancing simple. We help guide you through the process so you can focus on what matters most creating a home that suits your lifestyle.

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 come with benefits that allow you to make purchases confidently while keeping track of your spending.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a commitment to transparency and reliability, LendMesh ensures that users can make informed decisions without the confusion often associated with loan shopping. LendMesh guarantees accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This approach is based on the latest results, ensuring fair and transparent offers (Source: https://www.ncua.gov ). By focusing on verified information, LendMesh provides users with the confidence they need when selecting a loan. One of the key benefits of using LendMesh is its reliance on verified data. Loan offers are sourced exclusively from legitimate financial institutions, which means users receive trustworthy information every time they compare options. Additionally, LendMesh does not prioritize lenders based on paid promotions users see unbiased results that reflect true market conditions. Another significant advantage is LendMesh's real-time rate comparisons. Users can access up-to-date loan rates from multiple institutions quickly, allowing them to make decisions based on current offerings rather than outdated information. This feature helps users save money over the life of their loans. 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!" This testimonial reflects the positive impact LendMesh has had on many individuals seeking better financing options. 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 LEGACY CREDIT UNION - Wyandotte, MI