Michigan State University Credit Union Charlotte MI

Introduction

Welcome to Michigan State University, your trusted financial partner located at 180 High St, Charlotte, MI 48813. Established in 1979, our credit union has proudly served over 374,591 members with a commitment to community and personal finance. As a member-focused institution, we understand the importance of trust and transparency in managing your financial needs. At Michigan State University Credit Union, we boast total assets of $8,164,702,074, ensuring that we have the resources to support our members effectively. With total deposits reaching $347,828,089 and a net worth of $693,701,569, our financial stability allows us to offer competitive loans and services tailored just for you. Whether you're looking for personal banking options like checking and savings accounts or seeking financing for your next vehicle with over 291,412 loans issued, we are here to help. Led by our dedicated CEO, April Clobes, and Board President, Gregory Deppong, our team of 1,449 employees is passionate about providing exceptional service. We also invite you to visit us or reach out via phone at 517-213-7244 to learn more about how we can assist you in achieving your financial goals. While members can visit us at our branch location in Charlotte, official correspondence should be sent to the same address: 180 High St, Charlotte, MI 48813-1469. Discover more about our wide range of services by visiting our website at msufcu.org. Join us today and experience the difference that comes with being part of a community-focused credit union!

Branch History & Mission

Join Us

We invite you to experience the difference at Michigan State University. With operating hours designed for your convenience Monday through Thursday from 9:00 am to 5:30 pm, Friday until 6:00 pm, and Saturday from 9:00 am to 1:00 pm you can find time that works best for you to visit us or reach out via phone at 517-213-7244. While members can visit us at 180 High St, official correspondence should be sent to 180 High St, Charlotte, MI 48813-1469 if different services are needed. Join us today at Michigan State University where your financial future begins! Explore how we can help you achieve your goals while being an integral part of this wonderful community.

Our Mission

At Michigan State University, our mission is clear: we aim to enhance the financial well-being of our members while giving back to the communities we serve. We believe that everyone deserves access to reliable financial resources, whether it's through checking and savings accounts or loans for education and homeownership. We prioritize community support through various outreach initiatives and partnerships that uplift local organizations and individuals alike. Our goal is not just about transactions; it's about building relationships and fostering trust within our community. As part of our commitment to modern banking practices, we offer a range of digital services including online banking and mobile payments, ensuring that managing your finances is both easy and secure. Our facilities are designed with accessibility in mind, featuring ADA-compliant features for all members.

Branch Location & Accessibility

Call to Action

We invite you to come visit us at our Charlotte location! Whether you have questions about our services or want assistance with your financial needs, don't hesitate to reach out. Give us a call at 517-213-7244 or drop by today we look forward to serving you!

Nearby Landmarks and Accessibility

Our branch is situated close to several local landmarks, making it a familiar spot for many residents. If you're in the area near the Eaton County Courthouse or just passing through on your way to the local parks, stop by and see what we can do for you! We offer ample parking to ensure that your visit is as smooth as possible. Plus, our facilities are designed with accessibility in mind, including ADA-compliant features like ramps and wide doorways.

Operating Hours and Services Offered

We know that your time is valuable. That's why we keep our doors open during convenient hours: Monday through Thursday from 9:00 am to 5:30 pm, Friday from 9:00 am to 6:00 pm, and Saturday from 9:00 am to 1:00 pm. For those who prefer digital banking options, our Video Teller service is available Monday through Friday from 8:00 am to 6:00 pm and Saturday from 9:00 am to 3:00 pm. At the Michigan State University Charlotte Branch, we offer a variety of personal and business banking services tailored to meet your needs. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Additionally, our drive-thru banking service allows for quick deposits and withdrawals without leaving your car.

Member Eligibility

At Michigan State University, we believe that becoming a member means joining a caring community that supports your financial journey. Membership is open to individuals who live, work, or attend school in our local area. It's simple and welcoming if you're part of our community, you're likely eligible! By choosing Michigan State University, you'll enjoy access to personalized services, lower fees, and competitive rates that can help you save money and achieve your financial goals. For more detailed eligibility criteria, feel free to visit this page for the latest updates. If you're ready to take the next step towards membership or have any questions, don't hesitate to give us a call at (517) 213-7244. We're excited to welcome you to our family!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer robust merchant services designed to simplify transactions for your business. Whether you're a small shop or a large enterprise, our services allow you to accept payments seamlessly, manage cash flow effectively, and focus on what you do best serving your customers. Visit us at 180 High St Charlotte Mi 48813 in Charlotte, or call us at (517) 213-7244 to learn how we can support your business journey!

Supporting Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $913 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $15 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $784,164,693, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

For entrepreneurs and small business owners, we provide comprehensive Business Banking solutions. From merchant services that simplify transactions to business loans that fuel growth, we're here to support your business journey every step of the way.

Credit Cards

Looking for rewards while you spend? Our Credit Cards with Rewards program allows you to earn points on everyday purchases, making every dollar count. This means whether you're picking up groceries or planning a getaway, you'll earn benefits along the way.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking services that let you manage your accounts anytime, anywhere. You can pay bills, transfer funds, and check balances with just a few taps on your smartphone. Plus, our ATM & Cash Withdrawal Services ensure that accessing cash is never a hassle.

Drive-Thru and ATM Services

If you're in a hurry or prefer face-to-face interactions for simple transactions, our Basic Drive-Thru Banking allows for quick deposits and withdrawals without leaving your vehicle. Our ATMs also provide basic access for cash withdrawals and balance checks whenever you need it. We invite you to explore all these offerings at Msufcu - Charlotte Branch by visiting us at 180 High St Charlotte Mi 48813 in Charlotte, MI or giving us a call at (517) 213-7244. Join us today and discover how we can help make banking easier for you!

Loans and Financing

If you're looking to buy a new car or refinance your home, our Auto Loans & Vehicle Financing can get you on the road without breaking the bank. We also offer Mortgage Loans & Refinancing options that make it simple for you to own your dream home or adjust your current mortgage terms to fit your budget better. Additionally, our Personal Loans & Debt Consolidation services can help you manage existing debts and take control of your financial future.

Personal Banking

Managing your money shouldn't be complicated. That's why we provide Personal Banking options, including checking and savings accounts that are easy to navigate. Whether you're saving for a vacation or managing daily expenses, our accounts come with features that help you keep track of your finances effortlessly.

Digital & Online Banking

Commitment to Security

At Michigan State University, your security is our priority. We implement robust measures to protect your information and ensure safe transactions, giving you peace of mind as you bank online or through our app. With all these features at your disposal, managing your finances has never been easier or more secure. Join us today and take advantage of the convenience of digital and online banking at Michigan State University!

Easy Account Management

Our online banking platform provides you with real-time account management, allowing you to check balances, transfer funds, and pay bills with just a few clicks. Plus, our electronic signature authorization feature makes signing documents a breeze no need for paperwork or in-person visits. You can also opt for e-statements, which not only helps the environment but ensures you have easy access to your account statements whenever you need them.

On-the-Go Banking

For those who prefer banking from their mobile devices, our user-friendly mobile application is available for download. With this app, you can enjoy all the benefits of online banking right at your fingertips! Need to send money to a friend? Our person-to-person transfer feature lets you do just that quickly and securely. Plus, with mobile payments enabled, you can make purchases directly from your phone without carrying cash or cards.

Financial Strength

Growing Member Base

Total Share Accounts stand at 1,007,545, showing a strong and growing member base that trusts us with their finances. Additionally, net shares (funds available for lending and investments) amount to $15,737,052, further illustrating our capability to support your financial aspirations. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Michigan State University is your trusted partner. Visit us at 180 High St Charlotte MI 48813 or call 517-213-7244 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

With $683,333,436 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports members' financial goals across various sectors with $67,674 in used auto loans and an impressive $6,279,329,147 in total loans and leases.

Member Savings Focused

Members' savings are secured through $1,933,647,174 in share certificates and $2,214,188,274 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $68,588,248, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $0 net income, which allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 1,386 full-time employees and 63 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Solid Financial Health

With a net worth of $693,701,569, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 849% 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, with over $1,035,079,374 in used vehicle loans and $305,468,090 in new vehicle loans already helping members get on the road. Whether you're looking for financing for a brand-new vehicle or a reliable used one, our terms are designed to fit your budget and lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $784,164,693 provide the capital needed to grow and expand. We work with you to understand your business needs and create tailored solutions that help you succeed. At Michigan State University, we also offer refinancing options if you're looking to lower your current interest rates or consolidate debt. Our team is here to discuss eligibility and find the right fit for your financial situation. For more information about our loan products or to speak with one of our representatives, give us a call at (517) 213-7244. We're located at 180 High St Charlotte Mi 48813, in beautiful Charlotte, 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. Let us help you take the next step towards achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $292,543,617, make buying or refinancing simple. We provide guidance throughout the process to ensure you feel confident every step of the way.

Unsecured Credit Card Loans

Managing daily expenses can be easier with our flexible terms on unsecured credit card loans. With a total of $450,348,209 in loans helping members manage their finances effectively, our credit cards come with features designed for your convenience.

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 LendMesh, users can easily navigate their options and make informed decisions without the confusion often associated with loan shopping. 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 ensures that all offers displayed are fair and transparent, giving users peace of mind knowing they are looking at accurate information. One of the standout features of LendMesh is its commitment to providing verified data. All loan offers come from legitimate financial institutions, ensuring transparency throughout the comparison process. Additionally, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. This commitment to neutrality means that users receive unbiased results tailored to their needs. LendMesh also provides real-time rate comparisons, which are crucial for making well-informed financial choices. Users can access up-to-date loan rates from multiple institutions, allowing them to find competitive offers quickly. 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!" For those ready to explore their 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 STATE UNIVERSITY FEDERAL CREDIT UNION - Charlotte, MI