Michigan United Credit Union Waterford MI | Affordable Auto Loans & Business Banking

Introduction

Welcome to Michigan United, your trusted financial partner located at 4770 Dixie Hwy, Waterford, MI 48329. Since our establishment in 1931, we have dedicated ourselves to serving our community with integrity and commitment. With over 24,000 members and a robust asset base of $337,183,326, we strive to provide financial solutions that empower individuals and businesses alike. At Michigan United, we understand that every member has unique needs. That's why we offer a wide range of services including personal banking, auto loans, mortgage options, and business financing. Our total loans amount to 14,865, reflecting our dedication to helping you achieve your financial goals. We also take pride in our strong financial health, with total deposits reaching $12,973,696 and a net worth of $36,462,588. Our team is led by experienced professionals who care deeply about your financial well-being. CEO Andrew Staley and Board President Richard Perry ensure that we stay true to our mission: putting members first. We also employ around 80 team members who are ready to assist you with any questions or concerns. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to the same location as our mailing address: 4770 Dixie Hwy, Waterford, MI 48329. Whether you're looking to open a new account or need assistance with loans, don't hesitate to reach out! Call us at 248-618-9800 or visit our website at michiganunitedcu.org for more information. Join us in building a brighter financial future together!

Branch History & Mission

Community Focus

Our commitment extends beyond banking. Michigan United actively participates in community outreach programs that support local initiatives and charities. By partnering with various organizations, we strive to give back and uplift those around us. In an ever-evolving digital landscape, we are committed to staying ahead by offering online and mobile banking options that meet the needs of modern consumers. Our ADA-compliant facilities ensure accessibility for all members of our community. Join us at Michigan United today! Experience firsthand how we can help you navigate your financial journey while making a positive impact in Waterford. For inquiries or more information about becoming a member, give us a call at 248-618-9800 or visit our website at Michigan United. Together, let's build a brighter future!

Our Mission

At Michigan United, our mission is simple yet powerful: to empower individuals and families through accessible financial services while fostering community growth. We believe that everyone deserves the opportunity to achieve financial stability and prosperity. Our offerings include personal banking services like checking and savings accounts, auto loans, mortgages, and business banking solutions. We aim to provide these services with a personal touch. Our dedicated staff is here to assist you during our operating hours Monday through Thursday from 9:00 AM to 5:00 PM and Friday until 5:30 PM. With drive-thru banking available, we strive to make your banking experience as convenient as possible. While members can visit us at 4770 Dixie Hwy for all their banking needs, official correspondence should be sent to the same address. We also proudly offer shared service center transactions for our members who are part of partner credit unions.

Branch Location & Accessibility

Accessibility Features

At Michigan United, we strive to make banking accessible for everyone. Our branch is equipped with ADA-compliant features, including ramps and accessible parking spaces. You can easily navigate our facility without any hassle.

Contact Us

Have questions? Feel free to give us a call at 248-618-9800. Our team is ready to assist you with any inquiries or support you might need. While members can visit us at 4770 Dixie Hwy Waterford Mi 48329, official correspondence should be sent to the same address. We can't wait to welcome you into our community at Michigan United! Come by and see how we can help you achieve your financial dreams today!

Operating Hours

We understand that your time is valuable. That's why we offer flexible operating hours: Monday through Thursday from 9:00 AM to 5:00 PM and Friday from 9:00 AM to 5:30 PM. We invite you to visit us during these hours for all your banking needs.

Services Offered

While visiting our branch, you can take advantage of a wide range of services tailored to meet your financial goals. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Our drive-thru service allows for quick deposits and withdrawals, while shared services ensure that members of partner credit unions can also access their funds conveniently.

Member Eligibility

Becoming a member of Michigan United is like joining a family that's dedicated to supporting you every step of the way. If you're looking to enhance your financial journey, you're in the right place! At Michigan United, we welcome individuals who live, work, or worship in our community. This means that if you're part of the vibrant Waterford area or surrounding neighborhoods, you can easily become a valued member. We believe in making banking accessible and personal, ensuring that everyone has a chance to enjoy our range of services, from checking accounts to auto loans. To get started, simply visit us at 4770 Dixie Hwy Waterford Mi 48329 or give us a call at (248) 618-9800. You can also find more detailed information about eligibility criteria at . When you're ready to open an account, just head over to https://loans.itsme247.com/231/home/start , where the process is straightforward and welcoming. We're excited to help you take this important step toward better financial health!

Business Banking & Commercial Services

Merchant Services that Make a Difference

Imagine having a payment solution that adapts to your needs. Our merchant services streamline transactions for local shops and large enterprises alike, making it easy for customers to pay while you focus on what you do best running your business. From credit card processing to online payment options, we've got you covered. Located conveniently at 4770 Dixie Hwy, Waterford, MI 48329, we invite you to reach out at 248-618-9800 or visit us today to learn how we can help your business thrive!

Tailored Lending Solutions

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.

Comprehensive List Of Services

Business Banking Services

If you're a business owner, our business banking services, including merchant services and business loans, are designed to help your enterprise grow. We understand the challenges small businesses face and are committed to providing solutions that drive success.

Convenience at Your Fingertips

With our commitment to accessibility, we offer various ways for you to bank conveniently. Enjoy basic drive-thru banking for quick transactions like deposits and withdrawals without leaving your car. Additionally, we support shared branch transactions for partner credit union members making it easier than ever for you to access your funds wherever life takes you. If you're ready to explore these services further or have any questions, don't hesitate to reach out! Call us at 248-618-9800 or visit us online at Michigan United. We look forward to helping you achieve your financial goals!

Financial Flexibility with Personal Loans

For those unexpected expenses or plans you want to fund, our personal loans and debt consolidation options can help ease financial stress. Whether it's a home renovation or consolidating debt into one manageable payment, we'll work with you to find the best solution.

Home Sweet Home

Thinking about buying a house? Our mortgage loans and refinancing services provide the support you need to navigate this significant investment. From first-time homebuyers to seasoned property owners looking to refinance, we have mortgage solutions that cater to all situations.

Personal Banking Solutions

We offer a variety of personal banking services including checking and savings accounts that fit your lifestyle. Imagine having easy access to your funds anytime you need them while earning interest on your savings. With our online and mobile banking features, managing your accounts is as simple as tapping on your smartphone. You can check balances, transfer money, and even pay bills from anywhere.

Reward Yourself with Credit Cards

Our credit cards with rewards allow you to earn benefits on everyday purchases. Imagine receiving cash back or points for travel just by using your card for regular expenses!

Vehicle Financing Made Easy

When it comes time to purchase a new vehicle, our auto loans and vehicle financing options can help make it happen. Picture driving off in a reliable car without breaking the bank. We offer competitive rates that can be tailored to suit your budget. Whether you're eyeing a brand-new model or a used vehicle, we're here to assist you every step of the way.

Digital & Online Banking

Key Features

Our members benefit from several user-friendly features. For instance, you can sign documents securely with our electronic signature authorization no more printing or mailing paperwork! Plus, e-statements are available, so you can say goodbye to cluttered mailboxes while keeping track of your transactions effortlessly. If you're looking to send money quickly, our person-to-person transfers make it simple to send cash to friends or family with just a few taps. For added convenience, you can also download our mobile application, which offers all the functionalities of online banking right in your pocket. While we currently don't support mobile payments, we're committed to enhancing our services continually. The focus is always on providing a secure and user-friendly experience so that you feel confident managing your finances. Experience the ease of banking with Michigan United today and take advantage of our digital offerings that put you in control of your money whenever and wherever you need it!

Financial Strength

Committed 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. Total Share Accounts stand at 42,828, showing 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 4770 Dixie Hwy Waterford Mi 48329 or call (248) 618-9800 to learn more about how we can help you achieve your financial goals.

Member Savings and Growth

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.

Reinvestment in Services

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. This commitment allows us to keep enhancing your experience with us.

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.

Supporting Your Financial Goals

Our lending capacity supports members' financial goals across various sectors. We currently have $4,833 in used auto loans and $212,141,956 in total loans and leases. Our operational efficiency is reflected in 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 the process simple and convenient, ensuring you find a plan that fits your budget.

Credit Lines

For those who need extra flexibility with their finances, we offer credit lines totaling $66,759,730. This option can provide peace of mind for unexpected expenses or planned purchases without the need for a traditional loan.

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 provide competitive rates and flexible terms to fit your needs.

Refinancing Options

If you're considering refinancing any existing loans or mortgages, we have options available that may help you lower your monthly payments or reduce interest rates. If you have questions about eligibility or want to explore which loan product is right for you, feel free to reach out at 248-618-9800. Our performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We invite you to visit us or check our website at Michigan United for more information about all our loan offerings. Let's work together towards your financial success!

Unsecured Credit Card Loans

Managing day-to-day expenses can be easier with our unsecured credit card loans. With a total of $5,506,078 in loans helping members manage their finances effectively, our credit cards come with flexible terms designed to suit various spending habits.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring 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 ). This means that you can trust the loan offers presented are fair and transparent. By using only verified financial institutions, LendMesh ensures that the information is accurate and reliable.

MICHIGAN UNITED CREDIT UNION