Michigan United Credit Union Waterford MI | Affordable Auto Loans & Drive-Thru Banking

Introduction

Welcome to Michigan United, your trusted credit union in Waterford, MI! Established in 1931, we have proudly served our community for over 90 years. Located at 4594 Pontiac Lake Rd, our branch is dedicated to providing personalized financial services tailored to meet the needs of our 24,102 members. At Michigan United, we understand that financial health is crucial for you and your family. That's why we offer a wide range of services, including checking and savings accounts, auto loans, mortgage options, and even business banking solutions. With total assets exceeding $337 million and total deposits amounting to $12,973,696, we're well-equipped to support your financial journey. Our commitment extends beyond numbers; it's about building strong relationships within the community. Under the leadership of our CEO, Andrew Staley, and Board President, Richard Perry, we strive to create a welcoming environment where every member feels valued. Whether you're seeking guidance on loans or want to explore investment opportunities, our team of 80 dedicated employees is here for you. While members can visit us at 4594 Pontiac Lake Rd, official correspondence should be sent to the same address. You can reach us at (248) 674-0491 during our lobby hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 5:30 PM, and Saturday from 9 AM to 1 PM. Ready to take the next step towards achieving your financial goals? Visit our website at Michigan United or stop by our branch today! Let us help you navigate your financial future with confidence and ease.

Branch History & Mission

Commitment to Service

Our branch operates Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 5:30 PM, and Saturday from 9 AM to 1 PM. We also offer ATM services and drive-thru banking for your convenience. With shared service center availability, members can access their accounts easily across multiple locations. While you can always visit us at 4594 Pontiac Lake Rd, official correspondence should be sent to the same address as there is no difference between our branch and mailing address.

Join Us

As we look forward to the future, Michigan United remains committed to innovation and adapting to the changing needs of our members. With online banking options available and continuous enhancements in service delivery, we aim to make your experience seamless and fulfilling. We invite you to join us on this journey toward financial empowerment. Become part of a community-focused credit union where your needs come first. Visit us today or explore more about what we offer on our website at Michigan United. Together, let's build a brighter future!

Our Mission

At Michigan United, our mission is clear: we strive to empower our members by providing accessible financial services while enhancing the quality of life in our community. We believe in building strong relationships with each member and ensuring they receive the guidance and support needed for financial well-being. We understand that financial literacy is key to success, which is why we actively engage in community outreach programs and educational initiatives. By partnering with local organizations and schools, we work tirelessly to promote financial education and awareness among residents of Waterford.

Our Story

From our inception, Michigan United has aimed to provide exceptional financial services tailored to the needs of our community. We started with a simple mission: to support our members in achieving their financial goals while fostering a spirit of mutual aid and cooperation. This commitment remains at the heart of everything we do. Throughout our history, we have celebrated numerous milestones. Our total assets now stand at an impressive $337,183,326, reflecting our growth and stability as we continue to serve our members effectively. Whether it's offering personal banking services, auto loans, or business loans, we are dedicated to providing competitive rates and personalized solutions.

Branch Location & Accessibility

Convenient Access and Features

Our branch is easily accessible with ample parking available right at our doorstep. We strive to ensure that everyone can visit us comfortably, so you'll find ADA-compliant features like ramps for easy entry. Plus, if you prefer not to come inside, we offer a drive-thru service for quick deposits and withdrawals without leaving your car.

Get in Touch

Have questions or need assistance? Don't hesitate to call us at 248-674-0491. We're here to help and look forward to welcoming you into our community! Come by today and see how we can support your financial journey!

Operating Hours and Services

At Michigan United, we understand that life can be busy. That's why we are open Monday through Thursday from 9 AM to 5 PM, Friday until 5:30 PM, and Saturday from 9 AM to 1 PM. Our friendly staff is always ready to assist you with personal banking services such as checking and savings accounts, auto loans, mortgage options, and even credit cards with rewards! For those who need cash on the go, we provide ATM access right here at our branch. And if you're a member of a partner credit union, feel free to take advantage of our shared service center for basic transactions. While members can visit us at 4594 Pontiac Lake Rd, official correspondence should be sent to the same address for consistency.

Member Eligibility

Becoming a member of Michigan United is like stepping into a welcoming community where your financial needs are prioritized and supported. If you live, work, or worship in the area, you're likely eligible to join us! We believe that everyone deserves access to quality financial services, so whether you're a student just starting out or someone looking for better banking options, we have something for you. To learn more about our eligibility requirements, feel free to check out the details at . Joining is simple! You can open an account with us in just a few easy steps, and our friendly staff at Michigan United, located at 4594 Pontiac Lake Rd Waterford Mi 48328, are always ready to assist you. If you have any questions or need guidance during the process, don't hesitate to reach out by calling us at (248) 674-0491. We're here to help you every step of the way! For more information on opening an account, visit https://loans.itsme247.com/231/home/start.

Business Banking & Commercial Services

Commercial Loans

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, our merchant services make it easier for you to manage payments and streamline operations. Imagine running your business without worrying about how customers pay or how quickly funds arrive. With our easy-to-use solutions, you can focus on what really matters growing your business. Visit us at 4594 Pontiac Lake Rd Waterford Mi 48328 or call us at (248) 674-0491 to discover how we can partner with you for success!

Comprehensive List Of Services

Business Banking

If you're a business owner, we understand how crucial it is to have reliable banking services. Our business banking offerings include merchant services and business loans designed to help you grow. We're here to ensure that your business can thrive with the right financial support.

Credit Cards

Who doesn't love rewards? Our credit cards come with great benefits that allow you to earn points on everyday purchases. It's a smart way to make the most out of your spending while building your credit score.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why at Michigan United, we prioritize digital banking features that allow you to bank anytime, anywhere. With our online banking platform and mobile app, you can easily check balances, pay bills, and transfer funds without stepping into the branch. And don't worry; if you need cash or want to deposit a check quickly, our ATM services are available right at your fingertips.

Drive-Thru and Shared Branching

For those days when you prefer face-to-face interactions but want to keep it quick, our basic drive-thru banking allows for easy deposits, withdrawals, and simple transactions without leaving your car. Plus, as part of our commitment to community collaboration, we offer shared branching transactions for partner credit union members so no matter where you are in Michigan, access to your funds is just around the corner. At Michigan United, we strive to provide comprehensive services that meet the diverse needs of our members. If you're ready to explore how we can assist you further or have any questions about our offerings, feel free to give us a call at 248-674-0491 or visit us online at michiganunitedcu.org. Your financial journey starts here!

Loans and Financing

Thinking about getting a new vehicle? Our auto loans and vehicle financing options are tailored to help you drive off in the car of your dreams without the stress of high payments. Or perhaps you're considering refinancing your mortgage? We provide competitive mortgage loans that can save you money over time. Additionally, our personal loans can assist with debt consolidation or unexpected expenses, ensuring that you're never caught off guard financially.

Personal Banking

When it comes to personal banking, we have you covered with both checking and savings accounts that cater to different needs. Imagine having a checking account that not only keeps your money safe but also offers convenient online and mobile banking options. With features like e-statements and person-to-person payments, managing your finances has never been easier.

Digital & Online Banking

Key Services Available

With our online banking platform, you can access your accounts 24/7. This means you can check balances, pay bills, and transfer funds whenever it suits you. Plus, with person-to-person transfers, sending money to friends or family is just a few clicks away no cash needed! For those who prefer managing finances through their smartphones, our mobile application is here to help. You can easily deposit checks using electronic signature authorization, allowing you to complete transactions securely from anywhere. And if you're looking for a greener option, e-statements are available to keep your financial documents organized without the clutter of paper.

Security and Accessibility

Your security is our priority. Our online banking services use advanced encryption technology to protect your information. This ensures that every transaction is safe and secure while giving you peace of mind. Accessibility is key in today's fast-paced world. With features like mobile payments (coming soon!), you'll be able to make purchases directly from your phone. Even without mobile payments right now, our digital tools ensure you can manage your account easily and efficiently. In short, Michigan United offers the tools you need for real-time account management all designed with your convenience in mind. Experience the ease of modern banking today!

Financial Strength

At Michigan United, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We strive to provide a solid foundation for your financial journey, ensuring you can save, borrow, and plan with confidence. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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. 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. 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 robust: we offer $4,833 in used auto loans and $212,141,956 in total loans and leases 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. We also take pride in having 79 full-time employees and 1 part-time employees. This dedicated team ensures our branches are always ready to serve you with knowledge and commitment. In addition to these strengths, net shares available for lending and investments stand at $291,152. We have a total of 42,828 accounts, reflecting a strong and 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 4594 Pontiac Lake Rd Waterford Mi 48328 or call (248) 674-0491 to learn more about how we can help you achieve your financial goals.

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 provide flexible terms and options for both new and used vehicles to ensure you find the right fit for your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $413,685 provide the capital needed to grow and expand. We understand the importance of having access to funds when you need them most. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. If you're interested in refinancing options or checking your eligibility for any of our loan products, feel free to reach out to us at 248-674-0491. Explore how Michigan United can support your financial needs today!

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. These cards provide the convenience and flexibility you need for everyday purchases while offering rewards that can help you save.

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 guide you through the process with competitive rates and dedicated service.

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Michigan United