Muskegon Credit Union MI | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Muskegon, where your financial well-being is our top priority. Located at 1700 Holton Rd, Muskegon, MI 49445, we have been serving our community since 1951. With a membership of over 5,000, we pride ourselves on being more than just a credit union; we are a trusted partner in your financial journey. At Muskegon, we understand that every dollar counts. That's why we are committed to offering competitive rates and personalized services tailored to meet your needs. Our total assets stand at an impressive $74,647,929, ensuring that we have the resources to help you achieve your goals. Whether you're looking for a new auto loan or planning to buy your first home, we've got you covered with 2,602 loans and leases currently in place. The dedication of our team is evident in every interaction. Under the leadership of CEO Toni Winskas and Board President James Taylor, our 14 employees are here to provide exceptional service and support. We believe in fostering strong relationships with our members, so you can always count on us to listen and respond to your needs. While members can visit us at our branch location for all banking services including personal accounts, auto loans, mortgages, and business financing official correspondence should be sent to 1700 HOLTON RD, MUSKEGON, MI 49445-1472. With total deposits reaching $3,968,083 and net worth at $8,234,261, we're not only secure but also positioned to grow alongside our members. Our focus on building wealth includes making smart investments for the future while keeping cash readily available our current cash on hand is $1,728,557. We invite you to experience the Muskegon difference today! Call us at 231-722-7285 or visit our website at Muskegon Credit Union for more information about how we can help you achieve your financial dreams. Your journey starts here!

Branch History & Mission

Community Focus

At Muskegon, we don't just provide financial services; we actively engage in community outreach. We partner with local organizations to support educational initiatives and host events that benefit residents throughout Muskegon County. We aim to enhance the lives of those around us by investing not just in their finances but also in their future. We understand the importance of accessibility in today's world. While we currently do not offer ATM or drive-thru services at this location, we have embraced digital advancements by providing online banking and mobile payment options for our members' convenience.

Join Us

We invite you to be part of our growing family here at Muskegon. Whether you're looking for a checking account or planning your next big purchase with an auto loan, we're here to help you every step of the way. Visit us at 1700 Holton Rd or call us at 231-722-7285 to learn more about how we can assist you in reaching your financial dreams. Together, let's build a brighter future for ourselves and our community!

Our Journey

Since opening our doors more than seven decades ago, Muskegon has evolved to meet the changing needs of our members. From modest beginnings, we've expanded our services to include personal banking accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. Our total assets now stand at an impressive $74,647,929, reflecting our growth and stability as a financial institution. Our mission is simple yet powerful: to serve our members with respect and integrity while supporting the local community. We believe that everyone deserves access to quality financial services that help them achieve their goals. This philosophy drives us to foster relationships built on trust and transparency.

Branch Location & Accessibility

Connect With Us

If you have questions or need assistance, don't hesitate to give us a call at 231-722-7285. We're excited to support you in achieving your financial goals! Come visit us today and see how we can serve you better.

Operating Hours

We know your time is valuable. That's why our lobby is open Monday through Friday from 9:00 A.M. to 5:00 P.M., allowing you to bank during the workday. For those busy Saturdays, we offer drive-thru service from 9:00 A.M. to 12:00 P.M., making it easier for you to manage your finances even on weekends.

Parking and Accessibility

Our branch offers ample parking for all members, ensuring that you can visit us without any hassle. We take pride in being accessible to everyone, featuring ADA-compliant ramps and pathways so that all members can comfortably access our services.

Services Offered

At the Muskegon branch, we provide a range of financial services tailored to meet your needs. From checking and savings accounts to auto loans and mortgage refinancing, we're here to help you navigate your financial journey. While we currently do not have ATM services or a drive-thru option available directly at this location, our friendly staff is always ready to assist you with any banking inquiries or transactions. While members can visit us at 1700 Holton Rd for their banking needs, official correspondence should be sent to our mailing address: 1700 HOLTON RD, MUSKEGON, MI 49445-1472.

Member Eligibility

At Muskegon, we believe that becoming a member is like joining a family where everyone supports one another. If you're interested in experiencing the benefits of our community-focused credit union, you'll be glad to know that membership is open to anyone who lives, works, or attends school in Muskegon County. Additionally, if you have a family member who is already part of our credit union, you can easily join as well! We're dedicated to making banking more personal and accessible for you. Ready to get started? Opening an account at Muskegon is a breeze! You can learn more about the eligibility requirements and how to become a member by visiting our website at . If you have questions or want assistance, feel free to call us at (231) 722-7285. We're excited to welcome you to our community at 1700 Holton Rd, Muskegon, MI 49445!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer merchant services that simplify your payment processes. Imagine a local café using our payment solutions to streamline transactions. With faster payments and reliable support, they can focus on what they do best: serving delicious coffee and pastries. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses. At Muskegon, located at 1700 Holton Rd Muskegon Mi 49445 in Muskegon, MI, we're here to help your business thrive. Reach out today at (231) 722-7285 to learn more about how we can support your goals!

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. These loans are designed to meet your specific needs whether you need funds for equipment, inventory, or working capital.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

While we currently do not have ATMs on site, our network ensures that you can access cash when needed through other local ATMs. At Muskegon, we're dedicated to making your banking experience as smooth as possible. If you're ready to learn more about how we can assist you with any of these services or if you have questions regarding our offerings, don't hesitate to reach out! Call us at (231) 722-7285 or visit us at https://www.muskfedcu.com/ today! Let us partner with you on your financial journey!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options make it simple to get behind the wheel without breaking the bank. You can enjoy competitive rates and flexible terms tailored to fit your budget. Picture yourself driving off in your dream car with a loan that works for you!

Business Banking

For small business owners, we offer tailored business banking solutions including merchant services and business loans. We understand how crucial it is for businesses to thrive in today's economy, so we provide the resources necessary for success.

Credit Cards with Rewards

Our credit cards come with exciting rewards programs that allow you to earn points on every purchase. Whether it's cash back or travel rewards, imagine earning benefits simply by using your card for everyday purchases!

Mortgage Loans & Refinancing

If you're looking to buy a home or refinance an existing mortgage, our mortgage loans are designed with you in mind. We understand that homeownership is a big step, which is why we offer personalized support throughout the process. With Muskegon, you'll have access to guidance that simplifies everything from application to closing.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why Muskegon offers robust online and mobile banking features. Manage your accounts anytime, anywhere from your smartphone or computer! Whether it's checking balances, transferring funds, or paying bills, everything is just a click away.

Personal Banking

We offer a variety of personal banking options including checking and savings accounts that cater to different lifestyles and needs. Imagine having a checking account that helps you manage your daily transactions effortlessly while also allowing you to save for future endeavors. Our savings accounts come with competitive interest rates, making it easier for you to grow your funds over time.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's where our personal loans come into play, providing quick access to funds when you need them most. Plus, if you're feeling overwhelmed by multiple debts, our debt consolidation services can help streamline payments into one manageable loan.

Digital & Online Banking

Key Services at Your Fingertips

Our online banking platform is available 24/7 at https://www.muskfedcu.com/. You can check your balances, transfer funds, and pay bills without having to visit a branch. Whether you're at home or on the go, managing your money has never been easier. Plus, we offer e-statements so you can keep track of your transactions without the hassle of paper statements.

Mobile Banking Made Easy

For those who prefer banking on the go, our mobile application is here to help. Access all the features of online banking right from your smartphone. You can even make mobile payments directly from the app, making shopping and bill payments quick and convenient.

Secure and User-Friendly

Your security is our priority. We utilize advanced security measures to protect your information while you bank online or through our app. While we don't currently offer electronic signature authorization or person-to-person transfers, our straightforward services ensure that you have what you need for everyday banking. With real-time account management and user-friendly navigation, Muskegon makes digital banking not just a service but an experience tailored for you. So why wait? Explore all that our online banking has to offer today!

Financial Strength

At Muskegon, 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 understand that in today's world, having a trustworthy financial partner is essential. That's why we focus on maintaining strong financial health to serve you better. With a net worth of $8,234,261, we demonstrate solid financial strength that allows us to provide better rates, lower fees, and enhanced member services. Our net worth ratio of $1,102 showcases our robust capital foundation. This means that even in uncertain economic times, we can continue offering loans, competitive savings rates, and uninterrupted services. Members' savings are secured through $16,956,715 in share certificates and $22,179,299 in money market shares, providing stable and rewarding growth opportunities for your hard-earned money. Unlike traditional banks, we prioritize our members' needs. With non-member deposits at $0, we ensure our resources are dedicated to benefiting you through better loan rates and exclusive perks. 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 also impressive; with $430 in used auto loans and $28,951,936 in total loans and leases, we support members' financial goals across various sectors. Our operational efficiency is reflected in our $0, which allows us to continue offering competitive loan rates and solid financial products. We also take pride in having 13 full-time employees and 1 part-time employees who are always ready to serve you with a knowledgeable and committed team. Additionally, net shares available for lending stand at $1,912,015, while we have a growing member base with a total of 11,792 share accounts. This reflects the trust our community places in us to manage their finances effectively. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 1700 Holton Rd Muskegon Mi 49445 or call (231) 722-7285 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 $6,800,510 in used vehicle loans and $1,325,190 in new vehicle loans already helping members get on the road. We provide flexible terms and options that make financing your vehicle easier than ever.

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 credit cards come with rewards and benefits that make everyday spending more rewarding.

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 the process to ensure you feel confident in your investment.

Other Loan Options

For those seeking additional financing, our total credit lines stand at $65,354,069, providing even more avenues for managing cash flow or funding personal projects. If you're considering refinancing any existing loans or want to explore eligibility options, our team is here to help. We believe everyone deserves access to financial resources that empower them. Our branch is located at 1700 Holton Rd Muskegon Mi 49445, Muskegon, MI 49,445. You can reach us at (231) 722-7285 during our operating hours from 9:00 A.M. to 5:00 P.M., Monday through Friday, and Saturday Drive-up ONLY from 9:00 A.M. to 12:00 P.M. 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 your loan options today and take the next step towards achieving your financial goals with Muskegon!

Loan Aggregator

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Muskegon