Muskegon Credit Union MI | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Muskegon, your trusted partner in financial well-being since 1951. Located at 65 W Laketon Ave, Muskegon, MI 49441, our credit union is dedicated to serving the community with a personal touch. With over 5,000 members, we pride ourselves on being more than just a financial institution; we're a part of your journey towards achieving your dreams. At Muskegon, we understand that everyone has unique financial needs. That's why we offer a range of services designed for you, including checking and savings accounts, auto loans, mortgage financing, personal loans, and business banking solutions. Whether you're looking to purchase a new vehicle or consolidate debt, our knowledgeable staff is here to help. Financial security is our priority. With total assets amounting to an impressive $74,647,929 and total deposits reaching $3,968,083, you can trust us to manage your finances responsibly. Our strong net worth of $8,234,261 and cash reserves of $1,728,557 reflect our commitment to stability and growth for our members. Led by our dedicated CEO Toni Winskas and Board President James Taylor, Muskegon strives to create a welcoming environment where your financial goals are supported every step of the way. Our team of 14 employees is ready to assist you with personalized service during our operating hours from 9:00 AM to 5:00 PM, Monday through Friday. While members can visit us at the branch for in-person assistance, any official correspondence should be sent to the same address: 65 W LAKETON AVE, MUSKEGON, MI 49441. If you have questions or need assistance, don't hesitate to give us a call at 231-722-7285. Join us at Muskegon Credit Union today and discover how we can help you navigate your financial journey with confidence! For more information about our services or to get started on opening an account online, visit us at muskfedcu.com. Your future starts here!

Branch History & Mission

Community Focus

We are proud not only of the services we offer but also of how we connect with you the heart of Muskegon. Our commitment extends beyond traditional banking as we work hard to ensure ADA compliance and engage in customer-centric initiatives that prioritize your needs. Although we do not have ATMs or drive-thru service at this location, our online banking options allow you to manage your finances effortlessly from anywhere. We also offer mobile payments and e-statements for added convenience.

Join Us!

As we look toward the future, we invite you to join us on this journey. Experience firsthand how Muskegon can make a difference in your financial life while being an active part of a vibrant community. Together, let's continue building a brighter tomorrow for Muskegon. For more information or to become a member today, please call us at (231) 722-7285 or visit us online at https://www.muskfedcu.com/. Welcome aboard!

Our Journey

Since our inception, Muskegon has experienced remarkable growth and change. We started with a simple mission: to provide accessible financial services to our members while fostering a sense of community and support. Over the years, we've expanded our offerings significantly. Today, we proudly manage assets totaling $74,647,929, which reflects our commitment to stability and growth for our members. Our branch is not just a place to bank; it's a hub for local engagement. From offering personal banking services like checking and savings accounts to providing auto loans and mortgage financing, we have continuously adapted to meet the evolving needs of our community.

Our Mission

At the heart of Muskegon lies our mission: to empower our members through excellent financial services while actively contributing to the welfare of the community. We believe in supporting local initiatives and partnerships that make Muskegon a better place for everyone. Whether it's through educational programs or community outreach efforts, we strive to create lasting impacts beyond just banking. While members can visit us at 65 W Laketon Ave Muskegon Mi 49441, official correspondence should be sent to 65 W LAKETON AVE, MUSKEGON, MI 49441 if it differs. You'll find that our operating hours are convenient too open Monday through Friday from 9:00 AM to 5:00 PM to cater to your busy schedule.

Branch Location & Accessibility

Welcome to Muskegon, your friendly neighborhood credit union located at 65 W Laketon Ave, Muskegon, MI 49441. Our branch is not just a place to bank; it's a community hub designed for your convenience. Whether you're running errands or just stopping by, you'll find us nestled near familiar landmarks that make our location easy to access. While members can visit us at our branch address, official correspondence should be sent to the same address: 65 W LAKETON AVE, MUSKEGON, MI 49441. Our location is easily accessible with plenty of parking available right outside the entrance. Plus, we ensure our facilities are compliant with ADA standards so that everyone can comfortably access our services. At Muskegon, we know your time is valuable. That's why we keep our doors open from 9 AM to 5 PM Monday through Friday, making it easy for you to drop in before or after work. Whether you're looking to open a checking account, explore loan options, or simply ask questions about your finances, our friendly staff is here to help. Unfortunately, we don't currently offer ATM services or drive-thru banking at this location. However, rest assured that all our personal and business banking services are available within the branch. From checking and savings accounts to auto loans and credit cards with rewards, we have what you need under one roof. So why wait? Come visit us at Muskegon today! If you have any questions or need assistance before your visit, feel free to give us a call at 231-722-7285. We look forward to serving you!

Member Eligibility

At Muskegon, we believe that becoming a member is more than just opening an account; it's about joining a community that supports your financial goals. If you live, work, or worship in Muskegon County or are related to someone who does, you're likely eligible to join us! We welcome individuals from all walks of life and offer tailored services that can make a real difference in your financial journey. By choosing Muskegon, you'll enjoy benefits like competitive loan rates, personalized service, and access to various financial products designed just for you. Getting started is easy! Simply visit us at our welcoming location at 65 W Laketon Ave Muskegon Mi 49441 or give us a call at (231) 722-7285 for more information. You can also check out our detailed eligibility criteria on our website: . When you're ready to open an account, you can do so online by following this link: https://loans.itsme247.com/017/home/start/. We can't wait to help you achieve your financial dreams!

Business Banking & Commercial Services

Loan Options for Growth

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.

Merchant Services That Matter

In addition to loans, we offer practical merchant services that make daily operations smoother. From payment processing solutions to cash management tools, our services are tailored to help you serve your customers better while managing your finances efficiently. Visit us at 65 W Laketon Ave Muskegon Mi 49441 in Muskegon, MI or call us at (231) 722-7285 to discover how we can help your business thrive!

Comprehensive List Of Services

Accessible Cash Withdrawal Services

While we currently do not offer ATM services at our location, rest assured that we have partnered with various networks allowing you easy access to cash withdrawal services when needed. We invite you to stop by or reach out at (231) 722-7285 during our operating hours from 9:00 AM - 5:00 PM Monday through Friday. Our friendly staff is eager to help you explore all that Muskegon has to offer. Ready to take the next step? Visit us online at Corporate Office or start opening an account today by following this link. Let's work together toward a brighter financial future!

Business Banking Solutions

For small businesses, having the right financial tools is crucial. At Muskegon, we provide comprehensive business banking services including merchant services and business loans. This allows entrepreneurs like you to focus on what matters most growing your business while we handle the financial side.

Embracing Digital Banking

In today's fast-paced world, convenience is key. Our online and mobile banking platforms allow you to access your accounts anytime, anywhere. You can check balances, transfer funds, pay bills, and even apply for loans directly from your smartphone or computer. With features like mobile payments available at your fingertips, managing your finances has never been easier!

Personal Banking Made Easy

Whether you're looking to open a checking or savings account, our personal banking options are tailored just for you. We offer competitive rates and flexible features to help you save and manage your funds effortlessly. If you're considering purchasing a new car or refinancing your current vehicle, our auto loans and vehicle financing options make it simple to get on the road without breaking the bank. For those planning home improvements or looking to buy their dream home, our mortgage loans and refinancing services can guide you through the process smoothly. Debt can feel overwhelming, but with our personal loans and debt consolidation services, we're here to lighten your load. Imagine being able to merge multiple payments into one manageable monthly bill! Plus, our credit cards come with rewards that can benefit your everyday spending, turning purchases into points for future savings.

Digital & Online Banking

Key Features

Our online banking platform allows you to check balances, pay bills, and transfer funds quickly and securely. You can also access your e-statements whenever you want, making it easier to keep track of your spending without the clutter of paper statements. Plus, if you're always on the move, our mobile application is perfect for managing your accounts directly from your smartphone. Need to send money to a friend? Although we currently do not offer person-to-person transfers, our other features make it simple to handle most transactions with ease. If you're looking to make purchases on the go, you'll be pleased to know that we support mobile payments, allowing you to pay with just a tap.

Security and Ease of Use

Your security is our priority. We ensure that all transactions through our online banking system are protected with advanced security measures. And with no need for electronic signature authorization, accessing your accounts is straightforward and hassle-free. Whether you're checking in on your savings or applying for a loan, you'll find that managing your finances has never been easier or more secure. At Muskegon, we're here to support you every step of the way as you navigate your financial journey. Explore all these features and more by visiting us at https://www.muskfedcu.com/ today!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts stand at 11,792, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $1,912,015, further highlighting our capability to support your financial needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Muskegon is your trusted partner. Visit us at 65 W Laketon Ave Muskegon Mi 49441 or call (231) 722-7285 to learn more about how we can help you achieve your financial goals.

Member Savings Security

Members' savings are secured through $16,956,715 in share certificates and $22,179,299 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 $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 13 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for Your Benefit

With $8,135,738 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 significant; with $430 in used auto loans and $28,951,936 in total loans and leases, we support members' financial goals across various sectors.

Solid Financial Health

With a net worth of $8,234,261, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,102 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 $6,800,510 in used vehicle loans and $1,325,190 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, ensuring you find the right fit for your budget.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $4,414,515 in loans helping members manage their finances effectively. These cards come with competitive rates and rewards that can help you save while you spend.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $477,485, make buying or refinancing simple. We guide you through every step of the process, from pre-approval to closing.

Refinancing Options

If you're considering refinancing any of your existing loans, we have options that may suit your needs. Whether it's for a lower interest rate on an auto loan or better terms on your mortgage, our team is ready to assist you. At Muskegon, located at 65 W Laketon Ave Muskegon Mi 49441 in Muskegon, MI, we pride ourselves on being more than just a financial institution; we're a part of your community. You can reach us at (231) 722-7285 during our operating hours from 9:00 AM to 5:00 PM, Monday through Friday. For more details about our services and to see how we can assist you further, please visit our website at https://www.muskfedcu.com/. Remember, all performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward achieving your financial dreams!

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Muskegon