Monroe Community Credit Union Monroe MI | Affordable Auto Loans & Drive-Thru Banking

Introduction

At Monroe Community, we believe in the power of community and connection. Nestled at 14 Winchester St, Monroe, MI 48161, our credit union has been serving members since 1954 with a commitment to providing exceptional financial services and support. With a robust membership base of over 30,964 individuals, we pride ourselves on being more than just a financial institution; we are your trusted partner in achieving your financial goals. Our total assets stand strong at $361,536,496, reflecting our stability and dedication to sound financial practices. We have facilitated 16,296 loans to help our members secure their dreams, from home purchases to auto financing. Our dedicated team, led by CEO Kristine Brenner and Board President Gary Sievert, is here to guide you every step of the way. While members can visit us at our branch location, official correspondence should be sent to our mailing address: 14 Winchester Street, Monroe, MI 48161-1949. Whether you're looking for checking accounts, auto loans, or business banking solutions, we offer a range of services tailored to meet your needs. With total deposits reaching $30,200,068 and net worth totaling $36,302,379, we ensure that your money is not only safe but also working hard for you. Our total cash in hand of $4,431,062 speaks volumes about our liquidity and readiness to serve you. At Monroe Community Credit Union, we're not just about numbers; we're about people. Come visit us or call us at 734-244-0220 to discover how we can help you thrive financially! Your journey starts here let's build a brighter future together!

Branch History & Mission

Welcome to Monroe Community, a credit union with a rich history and a strong commitment to our members and community. Established in 1954, our branch located at 14 Winchester St, Monroe, MI 48161 has been serving the financial needs of our community for nearly seven decades. Over the years, we have grown alongside our members, adapting to their changing needs while maintaining the personal touch that sets us apart. Our mission is simple yet profound: to empower individuals and families through financial services that make a difference. We believe that banking should be accessible and beneficial to everyone. With over 30,000 members and total assets reaching $361,536,496, we work hard every day to provide services like checking and savings accounts, auto loans, mortgages, and business banking options. At Monroe Community, we pride ourselves on being more than just a financial institution; we are a cornerstone of the Monroe community. Our commitment goes beyond providing loans and banking services; we actively engage in outreach programs and partnerships that uplift those around us. We understand that by supporting our community, we are also supporting our members' dreams and aspirations. While you can visit us at our branch location for all your banking needs, official correspondence should be sent to our mailing address at 14 Winchester Street, Monroe, MI 48161-1949. Our operating hours are designed to accommodate your busy schedule: Monday through Thursday from 9:00 AM to 4:30 PM, Friday from 9:00 AM to 5:30 PM, and Saturday from 9:00 AM to 12:00 PM. We also offer convenient ATM access and drive-thru banking services for your ease. As technology evolves, so do we. Our digital advancements ensure that banking is not just convenient but also safe. With online banking options available alongside mobile payments and e-statements, managing your finances has never been easier or more efficient. Join us at Monroe Community and experience firsthand the benefits of being part of a credit union that truly cares. Whether you are looking for financial guidance or simply want to be part of a supportive community network, we invite you to explore what we have to offer. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to Monroe Community's Winchester branch! Conveniently located at 14 Winchester St in the heart of Monroe, MI, this branch is designed with your needs in mind. Whether you're stopping by for a quick transaction or seeking assistance with your financial goals, our friendly team is here to help. As you approach our branch, you'll find it nestled near local landmarks that make it easy to find. We are proud to offer ample parking and accessible features, including ADA-compliant ramps, ensuring that everyone can visit us comfortably. If you need to reach us by mail, official correspondence can be sent to our mailing address: 14 Winchester Street, Monroe, MI 48161-1949. Our operating hours are designed to fit your busy schedule. We're open Monday through Thursday from 9:00 AM to 4:30 PM, extending our hours on Friday until 5:30 PM, and offering Saturday service from 9:00 AM to 12:00 PM. You can easily get in touch with us at (734) 244-0220 for any questions or assistance. At Monroe Community, we provide a wide range of services tailored for both personal and business banking needs. From checking and savings accounts to auto loans and mortgages, we have solutions that suit every member. For added convenience, we also feature an ATM and drive-thru banking options for quick deposits and withdrawals. We invite you to visit us at our Winchester branch today! Experience the welcoming atmosphere and personalized service that makes banking with Monroe Community a pleasure. We look forward to seeing you soon!

Member Eligibility

At Monroe Community, becoming a member is like joining a family that genuinely cares about your financial well-being. If you live, work, or attend school in Monroe County, you're already on the right track to membership! We welcome individuals from all walks of life, and it's our mission to provide you with personalized service and community-focused banking options. Whether you're looking for a checking account, auto loan, or just want to start saving for the future, you'll find that our members enjoy competitive rates and a variety of financial products tailored just for them. Getting started is simple! You can check out all the eligibility details at http://www.monroecommunitycu.org/go.php?bid=249 . When you're ready to open an account, visit us at http://forms.joinmycu.com/mop/263/mop2/promotional where you'll find easy steps to set everything up. If you have any questions along the way, don't hesitate to reach out at (734) 244-0220. We're excited to welcome you to the Monroe Community family at our branch located at 14 Winchester St Monroe Mi 48161!

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 $66 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $213 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $15,847,452, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, our merchant services simplify transactions so you can focus on what matters most running your business. Imagine a busy Saturday at your store; with our reliable payment processing solutions, you can accept payments quickly and securely, ensuring a smooth experience for your customers. Located at 14 Winchester St Monroe Mi 48161 in Monroe, MI, we're here to help your business thrive. Reach out to us at (734) 244-0220 to learn more about how we can support you on your path to success!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Our network of ATMs ensures that you have easy access to cash whenever needed. Plus, with our basic drive-thru banking services for deposits and withdrawals, handling transactions has never been easier. At Monroe Community, we're more than just a credit union; we're part of the community's financial wellness journey. Explore all these services by visiting us or giving us a call at 734-244-0220. Let us help you achieve your financial dreams today!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing solutions are designed to help you hit the road in no time. We offer competitive rates and flexible terms, making it easier for you to afford the vehicle of your dreams. Picture yourself driving off in that new ride without the stress of complicated financing.

Business Banking

If you run a business, we offer specialized services through our business banking section. From merchant services that streamline payment processing to business loans that help fuel growth, we are here as your partner in success.

Credit Cards with Rewards

Enjoy shopping and earning rewards with our credit cards. They come with benefits that can enhance your everyday spending, from cash back on purchases to travel perks. Using a card that works for you means getting more from every dollar spent.

Mortgage Loans & Refinancing

For those looking to buy a home or refinance an existing mortgage, our mortgage loans provide personalized guidance throughout the process. We understand that purchasing a home is one of the biggest decisions you'll make, so we're here to simplify that journey with clear options and support.

Online & Mobile Banking

In today's fast-paced world, convenience is key. Our robust online and mobile banking features allow you to manage your accounts anytime, anywhere. Whether you're checking balances, transferring funds, or paying bills, everything is at your fingertips.

Personal Banking

Whether you're just starting to manage your finances or looking to optimize your savings, our personal banking services have you covered. With options like checking and savings accounts, you can easily access your funds while earning interest on your savings. Imagine having a reliable account that helps you keep track of daily expenses while also contributing to your future.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or want to consolidate debt into one manageable payment, our personal loans can help ease your financial burden. Think about how much simpler life could be with lower monthly payments and fewer creditors to manage.

Digital & Online Banking

Additional Benefits

Need to send money to a friend? Our person-to-person transfer feature allows you to do just that in seconds. Plus, if you're someone who loves using mobile payments, we've got you covered! You can easily make purchases using your smartphone, adding another layer of convenience to your daily life. With 24/7 online banking services available, managing your finances has never been easier. Whether it's day or night, Monroe Community is here to support you every step of the way. Start taking control of your financial journey today by visiting us at https://www.monroecommunitycu.org/ !

Key Features

Our online banking services include everything you need for real-time account management. Enjoy the ease of viewing your account balances, transferring funds, and paying bills with just a few clicks. Plus, with our mobile application, you can take your banking on the go! Whether you're commuting or relaxing at home, your accounts are right at your fingertips. Security is a top priority for us. We use electronic signature authorization, ensuring that your transactions are safe and verified. You can also opt for e-statements to keep track of your account activity without the clutter of paper statements. This not only helps the environment but also gives you quick access to your financial records whenever you need them.

Financial Strength

A Strong Financial Foundation

With a net worth of $36,302,379, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,004 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Member-Centric Savings

Members' savings are secured through $64,765,703 in share certificates and $37,243,383 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.

Operational Efficiency

Our commitment to operational efficiency is reflected in our $0 figure, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 73 full-time employees and 7 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for Growth

With $34,028,795 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $3,332 in used auto loans and $239,656,352 in total loans and leases.

Trusted Partnership

Net Shares (Funds available for lending and investments): $11,657,096. Total Share Accounts: 61,174, 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, Monroe Community is your trusted partner. Visit us at 14 Winchester St Monroe Mi 48161 or call (734) 244-0220 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 $57,572,612 in used vehicle loans and $39,847,594 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates to make your car-buying experience as smooth as possible.

Business Loans

For business owners, our outstanding commercial loans totaling $15,847,452 provide the capital needed to grow and expand. We understand the importance of having access to funds when you need them most. Our branch is located at 14 Winchester St., Monroe MI 48161, and we're always here to assist you. For any inquiries or assistance regarding our loan products or eligibility requirements, feel free to call us at 734-244-0220. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore our loan offerings today! Your financial journey starts here at Monroe Community.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $24,830,041, make buying or refinancing simple. We work with you to find the right mortgage solution tailored to your situation. Plus, refinancing options are available if you're looking to lower your monthly payments or tap into your home's equity.

Unsecured Credit Cards

Managing day-to-day expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $8,162,268 in loans helping members manage their finances effectively. Our credit cards come with rewards and no annual fees making it easier for you to use them when you need.

Loan Aggregator

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MONROE COMMUNITY CREDIT UNION