Michigan United Credit Union Saint Clair Shores MI | Best Auto Loans & Drive-Thru Banking

Introduction

Welcome to Michigan United at our branch located at 25901 Harper Ave, Saint Clair Shores, MI 48081. Since our establishment in 1931, we've been dedicated to serving our community with integrity and commitment. With over 24,000 members, we pride ourselves on fostering a sense of belonging and support for everyone who walks through our doors. At Michigan United, we understand that financial services are not just about numbers; they're about people. Our total assets now stand at an impressive $337,183,326, which reflects our strong foundation and capacity to meet your needs. Whether you're looking for personal banking solutions like checking and savings accounts, auto loans, or even mortgage financing, we are here to help you navigate your financial journey. Under the leadership of our CEO, Andrew Staley, and Board President, Richard Perry, we have built a team of 80 dedicated employees who are passionate about providing exceptional service. We're not just a credit union; we're your neighbor, ready to assist with personalized solutions tailored to your unique situation. While you can visit us in person at our branch for basic transactions like deposits and withdrawals through our drive-thru service, official correspondence should be sent to our mailing address: 576 E Lincoln St, Birmingham, MI 48009-1757. Your trust is paramount to us. We have a solid net worth of $36,462,588 and cash in hand amounting to $2,883,912, ensuring that your deposits are safe and secure. We invite you to explore all the financial opportunities available at Michigan United where we put you first. If you're ready to take the next step in managing your finances or simply want to learn more about what we offer, don't hesitate! Call us today at 586-771-4260 or visit our website at michiganunitedcu.org for more information. Join us in making a difference in your financial future!

Branch History & Mission

A Rich Legacy

Located at 25901 Harper Ave, our branch has become a trusted name in personal banking, auto loans, mortgages, and more. With a total membership of over 24,000 and assets amounting to an impressive $337,183,326, we are dedicated to providing exceptional service that meets the diverse needs of our community. Our headquarters in Auburn Hills, MI has guided us with strong leadership under CEO Andrew Staley and Board President Richard Perry, ensuring we remain aligned with our core mission. From humble beginnings to becoming a vital part of the local economy, Michigan United has always prioritized its members' financial health. We are here not just to provide banking services but also to empower individuals and families by offering educational resources and community engagement initiatives.

Commitment to Community

Our dedication extends beyond traditional banking services. We actively participate in local events and support various charitable organizations within Saint Clair Shores. Through partnerships with schools and non-profits, we aim to uplift those around us and foster a spirit of cooperation and collaboration. In addition to offering drive-thru banking for convenience, our digital advancements ensure that you can manage your finances easily from anywhere. Whether it's through online banking or mobile applications, we're here to make your banking experience seamless.

Join Us Today!

If you're looking for a credit union that values community and prioritizes your financial future, look no further than Michigan United. Experience firsthand the benefits of being a member of an institution that's truly invested in your success. Visit us today at 25901 Harper Ave Saint Clair Shores Mi 48081 or call us at (586) 771-4260 let's work together towards a brighter financial future!

Our Mission

At Michigan United, our mission is straightforward: to enhance the financial lives of our members through personalized banking solutions while making a positive impact on the communities we serve. We believe that everyone deserves access to quality financial services that promote growth and security. While members can visit us at 25901 Harper Ave Saint Clair Shores Mi 48081, official correspondence should be sent to 576 E Lincoln St, Birmingham, MI 48009-1757. This ensures that your communications reach us swiftly as we strive for excellence in every interaction.

Branch Location & Accessibility

Contact Us

If you have any questions or need assistance before your visit, don't hesitate to give us a call at 586-771-4260. We're excited to serve you and help you achieve your financial goals! Remember, while you can visit us at 25901 Harper Ave for all your banking needs, official correspondence should be sent to our mailing address at 576 E Lincoln St, Birmingham, MI 48009-1757. Come see us soon!

Nearby Landmarks & Accessibility

Just a short drive from the scenic Lake St. Clair, our branch is a local hub for community members. With ample parking available, you won't have to worry about finding a spot when you visit us. Plus, our facility is equipped with ADA-compliant features, ensuring everyone can access our services comfortably.

Operating Hours & Services

We're here for you during convenient hours: Monday through Thursday from 9:00 AM to 5:00 PM, and Friday until 5:30 PM. Whether you're looking to open a new checking account, apply for an auto loan, or simply need assistance with personal banking services, our friendly staff is ready to help. While we don't have an ATM on-site, we do offer basic drive-thru banking for quick deposits and withdrawals. For those who prefer shared services, we are part of a network that allows members from partner credit unions to perform transactions at our branch as well.

Member Eligibility

At Michigan United, we believe that joining our community is about more than just banking it's about becoming part of a family that supports each other. Becoming a member is easy! If you're a resident of Macomb County or work in the area, you can enjoy all the benefits we offer. We welcome individuals who are looking for financial services tailored to their needs, whether you're interested in personal accounts, loans, or business banking options. To learn more about eligibility and ensure you meet the criteria, please visit our website at this link. Once you're ready to take the next step, opening an account is straightforward! You can start the process online by visiting this page, or feel free to give us a call at (586) 771-4260 if you have any questions. We're here to help you make your financial journey as smooth as possible. Welcome to Michigan United, where your financial well-being is our priority!

Business Banking & Commercial Services

Commercial 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 addition to loans, we offer practical merchant services designed to make everyday transactions smoother. Imagine having a reliable partner to help manage payments efficiently. From point-of-sale systems to online payment options, we ensure your business runs without a hitch. Located at 25901 Harper Ave Saint Clair Shores Mi 48081, Saint Clair Shores, MI 48081, we are here to empower your business. Reach out today at (586) 771-4260 and discover how Michigan United can support your growth!

Comprehensive List Of Services

Additional Services

While visiting us at our branch located at 25901 Harper Ave Saint Clair Shores Mi 48081, take advantage of our drive-thru service for basic transactions like deposits and withdrawals without leaving your car. Our shared service center allows members from partner credit unions to access essential banking services as well. For any questions about our offerings or if you're ready to open an account, don't hesitate to reach out! Give us a call at 586-771-4260 during lobby hours: Monday through Thursday from 9:00 AM to 5:00 PM and Friday until 5:30 PM. Join us at Michigan United where we're not just a credit union we're your financial partner! Visit us online at michiganunitedcu.org for more information on how we can assist you today.

Business Banking Solutions

For our local businesses, Michigan United provides comprehensive Business Banking solutions including merchant services and business loans. We understand the challenges entrepreneurs face, which is why we're committed to providing support that helps your business thrive.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we have invested in robust Online & Mobile Banking options. You can access your accounts anytime from anywhere, whether it's checking balances, transferring funds, or paying bills. We also offer person-to-person payment services to make sending money quick and hassle-free.

Credit Cards and Rewards

To reward your everyday spending, we offer Credit Cards with Rewards, giving you points for each purchase that can be redeemed for exciting benefits. This is just one more way we strive to make banking rewarding for our members.

Personal Banking

Our Personal Banking services include checking and savings accounts designed for everyday use. Imagine easily managing your money with features that allow you to track your spending and savings goals right from your smartphone. We also provide Auto Loans & Vehicle Financing options, making it simple for you to get behind the wheel of a new car without breaking the bank. If you're thinking about home ownership or refinancing your current mortgage, our Mortgage Loans & Refinancing services offer competitive rates and flexible terms. For those unexpected expenses or larger purchases, our Personal Loans & Debt Consolidation options can help you manage your finances effectively and ease the burden of debt.

Digital & Online Banking

Anytime Access

We believe in making banking as easy as possible for our members. With real-time account management through both our website and mobile app, keeping an eye on your finances has never been simpler. Our commitment to accessibility means that whether you're at home or out and about, you'll have everything you need right at your fingertips. Join us today at Michigan United and experience banking that's designed with you in mind!

User-Friendly Features

Navigating our services is straightforward. You can enroll in e-statements for paperless account management, making it easier to keep track of your finances while being environmentally friendly. For added convenience, our mobile application allows you to manage your account right from your smartphone. You can access all the features you need on the go! Security is a top priority at Michigan United. We use electronic signature authorization for secure transactions, giving you peace of mind when handling sensitive information. Additionally, even though mobile payments are not available at this time, our current offerings provide ample tools for effective money management.

Financial Strength

Dedicated Team at Your Service

We also take pride in having 79 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Together, we work tirelessly to provide the best possible service to our members.

Growing Member Base

Total Share and Deposit Accounts: 42,828, showcasing a strong and growing member base that trusts us with their finances. Our net shares amounting to $291,152 reflect funds available for lending and investments that help us meet 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 United is your trusted partner. Visit us at 25901 Harper Ave Saint Clair Shores Mi 48081 or call (586) 771-4260 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.*

Secure Savings Options

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.

Solid Financial Foundation

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. Our net worth ratio of $1,081 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Earnings and Lending Capacity

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 lending capacity is also impressive with $4,833 in used auto loans and $212,141,956 in total loans and leases, we're here to support your financial goals across various sectors. Our operational efficiency is highlighted by our $1,490,856, enabling us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

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 make it easy for you to finance your next vehicle with flexible terms tailored to your budget.

Business Loans

If you're a business owner looking for support, our outstanding commercial loans totaling $413,685 provide the capital needed to grow and expand your operations. We understand the unique challenges faced by small businesses and are dedicated to helping you succeed. At Michigan United, we're committed to providing transparent and accessible loan products for all members. If you're interested in refinancing or exploring eligibility options for any of our loans, please don't hesitate to reach out. For more information or assistance with your loan application, contact us at 586-771-4260 or visit us at 25901 Harper Ave Saint Clair Shores Mi 48081. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Your financial journey starts here!

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. Our credit cards come with rewards and benefits that can help you save money while enjoying everyday purchases.

Credit Lines

For those who want extra flexibility in their finances, our total credit lines amount to $66,759,730. This option allows you to borrow as needed while only paying interest on what you use.

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. Whether you are a first-time buyer or looking to refinance an existing mortgage, our team is here to guide you through the process.

Loan Aggregator

Accurate Loan 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 ), ensuring fair and transparent offers. By gathering information from trusted sources, LendMesh guarantees that users receive reliable data when comparing loan options.

Benefits of Using LendMesh

LendMesh provides several key benefits that enhance the user experience: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that the information they see is accurate and up-to-date. - No Sponsored Listings: Unlike many comparison tools, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means users can make informed decisions without worrying about hidden agendas. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, helping them choose the best option for their needs. This dynamic feature allows for quick adjustments as market conditions change. Thousands of users trust LendMesh for loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testament reflects the platform's commitment to empowering consumers through accessible information. 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 UNITED CREDIT UNION