Michigan United Credit Union Birmingham MI | Best Auto Loans & Business Banking

Introduction

At Michigan United, we believe in building strong relationships with our members and the communities we serve. Located at 576 E Lincoln St, Birmingham, MI 48009, our branch has been a trusted financial partner since 1931. With over 24,102 members and assets totaling $337,183,326, we are committed to providing personalized banking solutions that fit your unique needs. While you can visit us at our Birmingham branch for all your banking requirements, please send any official correspondence to our mailing address: 576 E Lincoln St, Birmingham, MI 48009-1757. Our dedicated team of 80 employees, led by CEO Andrew Staley and Board President Richard Perry, is here to support you with services ranging from personal loans and mortgages to business banking. With total deposits reaching $12,973,696 and a net worth of $36,462,588, Michigan United demonstrates financial strength and stability. Our commitment to responsible lending is evident as we manage a total loan portfolio of 14,865 loans and leases. We also maintain a healthy cash reserve of $2,883,912, ensuring that we can meet your needs whenever they arise. At Michigan United Credit Union, we prioritize community impact alongside member satisfaction. By fostering a culture of trust and support, we aim to empower every individual who walks through our doors. We invite you to join us in this journey towards financial well-being. Ready to take the next step? Call us at 248-647-5958 or visit our website at Michigan United to learn more about how we can assist you today!

Branch History & Mission

Community Commitment

Beyond financial services, Michigan United is deeply involved in the Birmingham community. We work hard to build partnerships with local organizations and participate in outreach efforts that uplift those around us. Together, we aim to create lasting change that benefits everyone in the area. We invite you to join our Michigan United family today! Experience firsthand how we can support your financial journey while making a difference in the community. For more information or assistance, feel free to call us at (248) 647-5958 or visit us online at Michigan United. Let's grow together!

Our Mission

At Michigan United, our mission is simple yet powerful: to empower our members through comprehensive financial solutions while making a positive difference in our community. We believe that everyone deserves access to quality banking services, which is why we offer various products including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. We also provide essential business banking services to help local entrepreneurs thrive. We are committed to innovation and accessibility as well. Our branch features modern online and mobile banking platforms for convenient access to your accounts anytime, anywhere. We also ensure ADA compliance so that all members can comfortably use our facilities and services. Additionally, for those who prefer face-to-face interaction, we have both drive-thru banking and ATM availability for quick transactions. While members can visit us at 576 E Lincoln St for all their banking needs, official correspondence should be sent to the same address. Our operating hours are designed with your convenience in mind: Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 5:30 PM.

Branch Location & Accessibility

Welcome to the Michigan United branch located at 576 E Lincoln St in the charming city of Birmingham, MI! Nestled conveniently near local parks and bustling shops, our branch is designed with your needs in mind. We understand that accessibility is key, which is why we've made it easy for you to visit us. With ample parking available and ADA-compliant features, everyone can access our services without hassle. While members can visit us at 576 E Lincoln St, official correspondence should be sent to the same address for your convenience. Our branch operates Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 5:30 PM, ensuring you have plenty of time to drop by for your banking needs. At Michigan United, we offer a range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and more. If you're on the go, take advantage of our ATM availability or use our drive-thru service for quick deposits and withdrawals. Whether you're looking for business banking solutions or need assistance with online banking tools, our friendly staff is here to help. Don't hesitate to reach out by calling us at 248-647-5958. We look forward to seeing you soon at Michigan United in Birmingham!

Member Eligibility

At Michigan United, we believe that joining our community is more than just opening an account it's about becoming part of a family that supports each other's financial journeys. To become a member, you simply need to meet a few eligibility criteria, which are designed to welcome individuals from various walks of life. Whether you live, work, worship, or attend school in the areas we serve, you may qualify for membership. We're committed to making banking accessible and beneficial for everyone. If you're ready to take the first step towards membership at Michigan United, opening an account is straightforward and convenient. You can start the process online by visiting our account opening page at https://loans.itsme247.com/231/home/start or give us a call at (248) 647-5958 for any questions. To learn more about the specific eligibility details, feel free to check out this resource: . We can't wait to welcome you into our community!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $10 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $48 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $413,685, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced market, having reliable merchant services can make all the difference. Whether you're processing payments online or at a physical location, our solutions ensure smooth transactions. Imagine a local café that starts accepting mobile payments; it opens up new avenues for customers who prefer quick digital transactions. This is just one way our merchant services can enhance your business operations. Visit us at 576 E Lincoln St Birmingham Mi 48009 in Birmingham, MI, or call us at (248) 647-5958 to learn more about how we can help your business thrive!

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash quickly? Our ATMs provide easy access for withdrawals and balance checks. If you're on the go, take advantage of our drive-thru banking, where you can handle deposits, withdrawals, and other simple transactions without leaving your car.

Business Banking

For our business members, we offer specialized services such as merchant services and business loans. Whether you're starting a new venture or looking to expand an existing one, we're here to support your goals.

Digital Banking Features

In today's fast-paced world, convenience is key. Our robust online and mobile banking platforms allow you to access your accounts anytime, anywhere. You can check balances, pay bills, transfer funds, and even send money through our person-to-person service with just a few taps on your phone.

Loans and Credit Options

Life can bring unexpected expenses, and that's where our personal loans and debt consolidation services come into play. We aim to give you peace of mind by providing flexible solutions to fit your budget. Plus, our credit cards with rewards not only make purchases easier but also earn you points for future benefits!

Personal Banking

Whether you're opening a new checking account or saving for a big purchase, our personal banking services are designed with you in mind. With options for checking and savings accounts, you can easily manage your day-to-day finances. We also offer auto loans and vehicle financing to help you get on the road without breaking the bank. If you're considering buying a home, our mortgage loans and refinancing options will guide you through the process, making it as smooth as possible.

Shared Branch Transactions

We also believe in community support. If you're a member of a partner credit union, you can perform basic shared branch transactions at our location for added convenience. At Michigan United, we strive to make banking accessible and straightforward for everyone in the community. Our friendly team is always ready to assist you with any questions or concerns you may have. Feel free to reach out at (248) 647-5958 or visit us in person during our operating hours: Monday through Thursday from 9 AM to 5 PM and Friday until 5:30 PM. Discover how we can help you achieve your financial dreams today!

Digital & Online Banking

Key Features

One of the standout features we offer is electronic signature authorization. This means you can complete important transactions without needing to visit a branch saving you both time and hassle. Plus, with e-statements available, you'll receive all your account information electronically, making it easier to track your spending and manage your budget. For those who prefer using their smartphones, our mobile application allows you to bank on the go. You can easily transfer money between accounts or send money directly to friends and family with our person-to-person transfer feature. Whether you're grabbing coffee or running errands, managing your money has never been more straightforward.

Security & Accessibility

We prioritize your security by implementing robust measures across all our digital platforms. You can rest easy knowing that your personal information is protected while enjoying the ease of access our services provide. At Michigan United, we strive to make banking not only accessible but also safe for all members. In today's fast-paced world, having reliable online banking options is crucial. With all these features at your fingertips, managing your finances is easier than ever! Join us today at Michigan United and experience the future of banking secure, convenient, and tailored just for you.

Financial Strength

Committed Team

We also take pride in having 79 full-time employees and 1 part-time employees who are dedicated to serving you with knowledge and commitment. Your needs come first at Michigan United, whether it's for personal banking or business services.

Growing Member Base

The strength of our community is reflected in the total number of share accounts: 42,828, demonstrating a 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 United is your trusted partner. Visit us at 576 E Lincoln St Birmingham Mi 48009 or call (248) 647-5958 to learn more about how we can help you achieve your financial goals.

Investing in Our Members

With $10,848,713 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our ability to offer $4,833 in used auto loans and $212,141,956 in total loans and leases supports your financial goals across various sectors. Our operational efficiency is evident with a net income of $1,490,856, enabling us to keep providing competitive loan rates and solid financial products for our members.

Member-Focused Savings

Members' savings are secured through $45,796,130 in share certificates and $68,566,068 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.

Strong Financial Health

With a net worth of $36,462,588, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation is further supported by our net worth ratio of $1,081, which ensures that we can continue providing loans and competitive savings rates even in uncertain economic times.

Loan Offering

Additional Options

For business owners, our outstanding commercial loans totaling $413,685 provide the capital needed to grow and expand. Additionally, if you're considering refinancing or exploring eligibility options for any of these products, our team is ready to assist you in finding the right solution. Our branch is located at 576 E Lincoln St Birmingham MI 48009, and we're available by phone at 248-647-5958 if you have questions or would like to discuss your options. 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 United, we're here to help turn your financial aspirations into reality!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $91,115,463 in used vehicle loans and $44,748,524 in new vehicle loans already helping members get on the road. We provide competitive terms for both new and used vehicles to ensure you can drive away with confidence.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $16,175,948, make buying or refinancing simple. We aim to help you secure a place you can truly call home without unnecessary stress.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $5,506,078 in loans helping members manage their finances effectively. Whether you need to consolidate debt or cover unexpected expenses, our credit card options provide the flexibility you need.

Loan Aggregator

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MICHIGAN UNITED CREDIT UNION - Birmingham, MI