Muskegon St Joseph Credit Union MI | Best Auto Loans & Business Banking

Introduction

Welcome to Muskegon St Joseph, your trusted partner in financial wellness! Located at 1903 Barclay St, Muskegon, MI 49441, our credit union has been serving the community since 1952. With a strong commitment to our members and a community-focused approach, we've grown to support over 1,476 members with a total asset base of $14,158,022. At Muskegon St Joseph, we believe in building lasting relationships. Our friendly team, led by CEO Mary Kleinsorge and Board President James Schuiteman, is here to help you navigate your financial journey. Whether you're looking for personal banking options like checking and savings accounts or financing solutions such as auto loans and mortgages, we have tailored services designed just for you. While you can visit us at our branch for assistance, any official correspondence should be directed to our mailing address at 1903 Barclay St, Muskegon, MI 49441. Our team is dedicated to ensuring you feel supported every step of the way. With total loans amounting to 626 and deposits reaching $660,450, we're not just about numbers; we're about making a difference in the lives of our members. We also maintain a solid net worth of $1,190,227 and cash in hand totaling $183,391, ensuring that we are well-equipped to meet your needs. We invite you to explore our various offerings from personal loans and credit cards with rewards to business banking services. Our goal is simple: provide reliable financial products while fostering community growth and prosperity. Ready to take the next step? Feel free to call us at 231-759-7931 or stop by during our lobby hours on Fridays from 4 PM to 6 PM and Saturdays from 9 AM to 1:30 PM. Let's work together towards achieving your financial goals!

Branch History & Mission

Join Us Today!

We invite you to become part of the Muskegon St Joseph family. Experience firsthand how we can help you achieve your financial dreams while being an active participant in your community. Together, let's continue this journey towards a brighter financial future!

Our Journey

The journey began in the heart of Muskegon at our location on 1903 Barclay St. With a commitment to providing personalized service and accessible financial products, we quickly became known for our dedication to helping families achieve their financial goals. Whether it's through auto loans, personal banking services, or business financing options, we focus on empowering our members every step of the way. As we celebrate decades of service, we take pride in our ability to adapt to the changing landscape of banking. We are committed to enhancing our digital offerings while ensuring that all members have access to essential services. Although we currently do not offer ATMs or drive-thru banking, our team is always ready to assist during our operating hours: Friday from 4 PM to 6 PM and Saturday from 9 AM to 1:30 PM.

Our Mission

At Muskegon St Joseph, our mission is straightforward: to provide excellent financial services while uplifting the community around us. We believe that banking should be about more than just transactions; it should be about building relationships. This philosophy drives us to offer competitive rates on loans and savings accounts as well as educational resources designed to help our members make informed financial decisions. We are dedicated not only to serving individual needs but also contributing positively to local initiatives and partnerships that promote community growth. Our vision extends beyond mere numbers; it encompasses creating a supportive environment where every member feels valued and heard. While you can visit us at 1903 Barclay St for all your banking needs, official correspondence can also be sent to the same address if needed. Our friendly staff is here to answer any questions you may have, so feel free to reach out at (231) 759-7931.

Branch Location & Accessibility

Connect With Us

If you have any questions or need assistance before your visit, don't hesitate to give us a call at 231-759-7931. We're excited to welcome new members into our community-focused family! Stop by soon and discover how we can help with your financial journey!

Getting Here and Parking

Accessibility is a priority for us. Our branch features ample parking for members, with easy access to the building. We ensure that our location is ADA compliant, providing ramps and other features that make it easy for everyone to visit us without hassle.

Operating Hours

We know how busy life can get, which is why our doors are open when you need us. You can find us on Fridays from 4 PM to 6 PM and Saturdays from 9 AM to 1:30 PM. We look forward to seeing you during these hours!

Services We Offer

At Muskegon St Joseph, we offer a range of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, if you're a business owner, we have merchant services and business loans available as well! Although we don't currently have ATM services or drive-thru banking, our friendly staff is always ready to assist you inside the branch.

Member Eligibility

At Muskegon St Joseph, we believe that becoming a member is like joining a supportive family where your financial goals are our priority. If you live, work, or attend school in the Muskegon area, you're likely eligible to join us! We welcome individuals from various backgrounds, making it easy for you to access our range of services designed just for you. For detailed eligibility criteria, feel free to check out [this link]( ). It outlines how simple it is to become part of our community. Opening an account with us is straightforward and welcoming. Whether you're interested in personal banking, auto loans, or even business services, we've got something for everyone. Just give us a call at (231) 759-7931 if you have any questions or want to learn more about the process. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine a local café that needs a reliable way to accept payments from customers. Our merchant services provide just that enabling businesses like yours to process transactions smoothly, whether it's through card payments or digital wallets. This means faster checkouts and happier customers, helping you focus on what you do best: running your business. If you're ready to take the next step in securing your financial future, visit us at 1903 Barclay St Muskegon Mi 49441 in Muskegon, MI or call us at (231) 759-7931. Together, we can build a brighter future for your business!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing options can help you get behind the wheel with ease. We offer competitive interest rates and flexible terms to ensure that your car purchase is both affordable and stress-free.

Business Banking Services

If you're a business owner, our business banking services include merchant services and business loans designed to support your entrepreneurial journey. We understand the challenges of running a business and are here to provide resources that can help you thrive in today's marketplace.

Credit Cards with Rewards

Don't miss out on rewards while you spend! Our credit cards come with various benefits that allow you to earn points or cash back on everyday purchases. Whether it's groceries, gas, or travel expenses, enjoy the perks while managing your finances effectively.

Mortgage Loans & Refinancing

For those dreaming of homeownership or looking to refinance, Muskegon St Joseph provides comprehensive mortgage solutions. Our mortgage loans can help turn that dream home into reality. We guide you through the process, making it as simple as possible, so you can focus on what matters most making memories in your new home.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. Pay bills, transfer money between accounts, and check balances from the comfort of your own home or on-the-go. With all these services available at Muskegon St Joseph, we're dedicated to being your trusted partner in financial success. For any questions or to discuss how we can assist you further, don't hesitate to reach out at 231-759-7931. Let us help you take control of your financial future today!

Personal Banking Solutions

Whether you're looking to open a checking or savings account, our personal banking options are tailored for you. Imagine having a checking account that suits your lifestyle no monthly fees and easy online access make managing your money straightforward. For those planning for the future, our savings accounts offer competitive rates to help you grow your funds.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, but our personal loans are here to help. Whether it's for medical bills, home repairs, or consolidating debt, we provide options with favorable terms that fit your budget. Our team will work with you to find the best solution tailored to your needs.

Digital & Online Banking

Key Services

With our user-friendly online banking platform, you can access your accounts anytime, anywhere. Unfortunately, as of now, services such as online banking are not available. We encourage you to stay tuned for future updates on this exciting feature! Although electronic signatures are not currently supported at Muskegon St Joseph, we're committed to ensuring that your personal information remains safe and secure during all transactions. For those looking to keep track of their finances on the go, we currently do not offer a mobile application or mobile payment options. However, we remain dedicated to enhancing our services in the future to meet the evolving needs of our members.

Real-Time Management

Though person-to-person transfers aren't offered at this time, we believe in providing you with tools that allow real-time management of your accounts. You can still visit us at 1903 Barclay St Muskegon Mi 49441 for personalized assistance from our friendly staff. While e-statements are also unavailable right now, we're always looking for ways to improve and expand our offerings. Your feedback is valuable to us as we work towards providing more digital conveniences. In summary, while some online banking features may be limited at present, Muskegon St Joseph is focused on delivering a safe and supportive environment for all your financial needs. Stay connected with us through phone at (231) 759-7931 or visit us in person during our operating hours: Friday from 4 PM to 6 PM and Saturday from 9 AM to 1:30 PM. Together, we can navigate the future of banking!

Financial Strength

A Growing Community

We have a strong member base with a total of 1,478 accounts trusting us with their finances. This community supports our mission of providing quality service tailored to your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Muskegon St Joseph is your trusted partner. Visit us at 1903 Barclay St Muskegon Mi 49441 or call (231) 759-7931 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $0 in share certificates and $0 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 operational efficiency is reflected in our $-143,560, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 2 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinventing for Growth

With $1,333,787 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: with $182 in used auto loans and $9,618,190 in total loans and leases, we support members' financial goals across various sectors.

Strong Financial Health

With a net worth of $1,190,227, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $841 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,291,659 in used vehicle loans and $1,799,079 in new vehicle loans already helping members get on the road. We make it easy for you to choose the right loan option that fits your budget and lifestyle.

Credit Lines

Our total credit lines available stand at $2,000,000, providing additional borrowing power for those who need it. These lines can be a helpful resource for managing cash flow or unexpected expenses. If you're considering refinancing or exploring eligibility options for any of our products, please don't hesitate to reach out. Our team is ready to assist you with information tailored to your situation. You can visit us at our branch located at 1903 Barclay St, Muskegon, MI 49441, or give us a call at 231-759-7931 during our lobby hours on Friday from 4 PM to 6 PM and Saturday from 9 AM to 1:30 PM. 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 look forward to helping you navigate your borrowing options and find the perfect loan product for your needs!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $308,580, make buying or refinancing simple. We provide guidance throughout the process to ensure you feel confident every step of the way.

Unsecured Credit Card Loans

For those looking for flexibility in managing expenses, we also offer unsecured credit card loans. While our total in this category is currently $0, we strive to provide options that suit our members' needs as they arise.

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MUSKEGON ST JOSEPH FEDERAL CREDIT UNION