Northland Area Credit Union Hale MI | Affordable Vehicle Loans & ATM Services

Introduction

Welcome to Northland Area Hale Branch, where your financial well-being is our top priority! Located at 220 S Washington St, Hale, MI 48739, we have been serving our community since 1957. As a trusted credit union with a membership of over 45,000, we pride ourselves on providing personalized banking solutions tailored to meet your unique needs. At Northland Area, we understand that every dollar matters. With total assets exceeding $664 million and deposits totaling $42,197,095, we are well-equipped to support you in achieving your financial goals. Our commitment to responsible lending is evident in our impressive portfolio of over 17,500 loans and leases, which empowers our members to invest in their futures. Our dedicated team, led by CEO Pete Dzuris and Board President Mike Palumbo, works hard every day to foster a welcoming environment for all members. With a total of 148 employees, we're here to assist you with everything from personal banking services like checking and savings accounts to business loans and online banking solutions. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to PO Box 225, Hale, MI 48739. We invite you to explore the many services we offer, including auto loans, mortgage refinancing, and credit cards with rewards. Ready to take the next step? Call us today at (989) 728-7081 or visit our website at www.northlandcu.com for more information. Join us in shaping a brighter financial future together!

Branch History & Mission

Community Focus

We believe that true success goes beyond financial performance; it lies in how well we support our local community. Through various outreach programs and partnerships with local organizations, we actively engage in initiatives that uplift those around us. Whether it's sponsoring local events or supporting educational programs, Northland Area is dedicated to making a positive impact in Hale and its surrounding areas. As we continue on this journey together with our members and the community at large, we invite you to join us at Northland Area Credit Union. Experience firsthand the benefits of being part of a credit union that truly cares about you. For more information or to open an account today, please visit our website or call us at 989-728-7081. Together, let's build a brighter financial future!

Our Mission

At Northland Area Credit Union, our mission is simple yet profound: to provide our members with the tools they need to achieve their financial goals while fostering a strong sense of community. We strive to offer a comprehensive range of services including personal banking, auto loans, mortgage options, business banking solutions, and innovative online and mobile banking features. Our goal is not just about transactions; it's about building lasting relationships with each member we serve. Our operating hours are designed to accommodate the diverse schedules of our members: Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. With an ATM on-site and drive-thru service available, we ensure that accessing your funds is always convenient. While members can visit us at our branch address in Hale for their banking needs, official correspondence should be sent to PO Box 225, Hale, MI 48739. We pride ourselves on being accessible and responsive to our community's needs.

Branch Location & Accessibility

Nearby Landmarks and Accessibility

Nestled close to local favorites, our branch is easily accessible. Whether you're stopping by after a visit to the nearby parks or heading home from work, our location is perfect for quick banking needs. We offer ample parking, including accessible spots for those who need them. Our facility is fully ADA compliant, ensuring that everyone can enjoy our services comfortably.

Operating Hours

We know your time is valuable! That's why our doors are open Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. This gives you plenty of options to visit us on your schedule.

Services and Features

At Northland Area, we strive to meet all your banking needs under one roof. Enjoy personal banking services like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Plus, our drive-thru service makes quick transactions easier than ever! With ATM access available too, you can manage your money on the go. If you have any questions or need assistance, don't hesitate to give us a call at 989-728-7081. We're here to help you every step of the way! So whether you're looking to open an account or just want some friendly financial advice, come on down to Northland Area in Hale today! We can't wait to welcome you into our community.

Member Eligibility

Becoming a member of Northland Area is like joining a close-knit family that genuinely cares about your financial well-being. If you live, work, worship, or attend school in the areas served by us, you're already on your way to becoming part of our community. We believe everyone deserves a chance to thrive financially, and our membership is open to those who meet these simple criteria. Not only will you gain access to a range of financial services tailored to your needs, but you'll also enjoy the benefits that come with being part of a cooperative institution that prioritizes its members over profits. For more details on eligibility and to ensure you meet all the requirements, feel free to visit our website at . Opening an account is easy! Just head over to http://www.northlandcu.com/nafcu/applications where you'll find all the information you need to get started. If you have any questions or need assistance along the way, don't hesitate to give us a call at (989) 728-7081. We're here for you every step of the way as you join Northland Area and take control of your financial future!

Business Banking & Commercial Services

Merchant Services Made Simple

Imagine having the ability to accept payments easily and efficiently. Our merchant services do just that helping you streamline transactions so you can focus on what matters most: running your business. From credit card processing to mobile payments, we provide tools that simplify your payment processes, making it easier for customers to shop with you. Located at 220 S Washington St Hale Mi 48739 in Hale, MI, we're ready to partner with you on your journey toward success. Reach out today at (989) 728-7081 to learn how we can help your business thrive!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $579 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $31 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $118,508,839, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash on the go? Our ATM services are available for quick withdrawals and balance checks. Plus, with our basic drive-thru banking options, completing simple transactions like deposits or withdrawals becomes effortless. At Northland Area, our commitment extends beyond just offering services; we strive to create lasting relationships with our members. If you're ready to take control of your financial future or simply have questions about what we offer, don't hesitate to reach out! Call us at (989) 728-7081 or visit us during our operating hours: Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. Explore all that we have available at Hale Branch we're here for you every step of the way!

Business Banking Solutions

For our local entrepreneurs, we offer comprehensive business banking services including merchant services and business loans. We understand the unique challenges small businesses face, and we're committed to helping you thrive.

Credit Cards with Benefits

Looking for more flexibility in your spending? Our credit cards with rewards not only let you make purchases but also earn points toward travel, gifts, or even cash back! This is just one way we strive to enhance your financial experience.

Digital Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options, allowing you to manage your finances anytime, anywhere. With features like mobile payments, online bill pay, and person-to-person transfers, banking has never been easier.

Home Financing

Thinking about buying a home? Our mortgage loans and refinancing options provide flexible terms and competitive rates to make homeownership a reality for you. We know it can be overwhelming, so our experienced staff is ready to guide you through every step of the process.

Loans Made Simple

Life happens, and sometimes you need a little help. That's where our personal loans and debt consolidation services come in handy. Whether you're planning a special event or managing existing debt, we offer personalized options that can ease your financial burden.

Personal Banking

Whether you're opening your first checking account or looking for a way to save for future goals, our personal banking options have got you covered. With various checking and savings accounts, you can find the right fit for your lifestyle. Need a little extra cash for that new car? Our auto loans and vehicle financing solutions are designed to help you hit the road quickly and affordably.

Digital & Online Banking

Enhanced Features

One of the standout features of our digital services is the person-to-person transfer option. It allows you to send money to friends or family instantly without needing cash or checks. And if you're out shopping or dining, our mobile payments feature makes it easy to pay with just a tap of your phone. At Northland Area, we prioritize security in every transaction. Our online banking services incorporate advanced security measures so that you can bank confidently from anywhere. In a world where convenience is key, our digital and online banking services ensure that you can manage your financial needs safely and easily. Experience the benefits of modern banking today!

Key Services

Our online banking system allows you to check balances, transfer funds, and pay bills anytime, anywhere. Whether you're at home or on the go, you can rely on our secure platform for real-time account management. Plus, with our mobile application, you'll have all these features right at your fingertips, making it simple to stay connected with your finances. If you prefer going paperless, we offer e-statements that keep you informed while reducing clutter. You can also utilize electronic signatures for quicker approvals and transactions, ensuring that your banking experience remains efficient and hassle-free.

Financial Strength

Member Savings and Investments

Members' savings are secured through $112,459,406 in share certificates and $123,775,518 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $10,317,045, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $2,377,737 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 144 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $59,049,862 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to growth is reflected in our lending capacity: we have $4,768 in used auto loans and $426,342,051 in total loans and leases, supporting members' financial goals across various sectors.

Strong Financial Position

With a net worth of $66,261,466, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $996 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trustworthy Member Base

Total Share and Deposit Accounts stand at 103,946, showing a strong and growing member base that trusts us with their finances. Net Shares (funds available for lending and investments) amount to $1,114,341, reflecting our ability to support your financial endeavors. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Northland Area is your trusted partner. Visit us at 220 S Washington St Hale Mi 48739 or call (989) 728-7081 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 $64,928,750 in used vehicle loans and $26,667,365 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates, making it easier for you to drive away with confidence.

Business Loans

For business owners, our outstanding commercial loans totaling $118,508,839 provide the capital needed to grow and expand. We understand that every business is unique, so our team will work closely with you to tailor a solution that fits your specific needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $17,185,007, make buying or refinancing simple. Our mortgage specialists are available to help you navigate the process smoothly and answer any questions you may have.

Refinancing Options

If you're considering refinancing any existing loans, we can assist you in exploring eligibility options that may save you money in the long run. Refinancing could lower your monthly payments or help you access additional funds for other financial goals. At Northland Area, we're committed to providing personalized service and transparent information to help you make informed decisions about borrowing. For more details on our loan offerings or to apply, visit us at 220 S Washington St Hale Mi 48739, call us at (989) 728-7081, or check out our website at https://www.northlandcu.com/. 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 towards your financial success!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. These cards come with various benefits that can help you maintain control over your spending while building your credit score.

Loan Aggregator

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NORTHLAND AREA FEDERAL CREDIT UNION - Hale, MI