Omni Community Credit Union Bangor MI | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Omni Community, your trusted partner in financial wellness located at 101 W Monroe St, Bangor, MI 49013. Since opening our doors in 1952, we have been dedicated to serving our community with integrity and care. With a total membership of over 45,826 individuals, we take pride in being more than just a credit union; we are a family committed to supporting your financial goals. At Omni Community, we understand that managing finances can be challenging. That's why our team is here to provide personalized solutions tailored to your unique needs. Whether you're looking for checking and savings accounts, auto loans, mortgages, or credit cards with rewards, we offer a wide range of services designed to help you succeed. Our total assets stand strong at an impressive $576,920,297, reflecting our commitment to stability and growth. Our leadership team, led by CEO Mark Cramer and Board President Robert Lambert, is passionate about creating a supportive environment for our members. With a dedicated staff of 147 employees, we ensure that every interaction is meaningful and focused on your success. For your convenience, while you can visit us at our branch location, any official correspondence should be sent to our mailing address: PO Box 1537, Battle Creek, MI 49016. You can reach us directly at 269-441-1400 or explore more about our services on our website at omnicommunitycu.org. Join us today and discover how Omni Community can help you achieve your financial dreams! Whether you're ready to open an account or simply want to learn more about what we offer, we're here for you every step of the way.

Branch History & Mission

Welcome to Omni Community, a cornerstone of financial service in Bangor, MI. Established in 1952, our branch has been dedicated to fostering community growth and offering valuable financial resources for over seven decades. We proudly serve a membership base of over 45,000 individuals, providing them with the tools they need to achieve their financial goals. Located at 101 W Monroe St, Bangor, MI 49013, our branch is easily accessible to community members and visitors alike. Whether you're coming from nearby landmarks or simply passing through our vibrant town, we invite you to stop by and discover how we can help you on your financial journey. If you need to send us any official correspondence, please note that our mailing address is PO Box 1537, Battle Creek, MI 49016. At Omni Community, our mission is clear: we aim to provide exceptional financial services while making a positive impact in the communities we serve. We believe in putting people first offering personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking services. Our commitment extends beyond just transactions; we actively engage in community outreach programs that support local initiatives and foster growth. As technology evolves, so do we. Our digital advancements ensure that members have access to convenient online and mobile banking services. Whether you're making deposits or managing your accounts from home or on the go, we prioritize user-friendly experiences that are accessible to everyone. We also understand the importance of accessibility in banking. Our branch features ADA-compliant facilities and offers drive-thru services for added convenience. With ATMs available for quick transactions, you can manage your finances without hassle. Our leadership team under CEO Mark Cramer and Board President Robert Lambert continues to inspire our staff of over 140 employees who are dedicated to serving our members with care and respect. We take pride in being part of the Bangor community and continuously seek opportunities to make a difference. Join us today at Omni Community! Experience the benefits of membership firsthand and be part of a growing family that values community spirit and financial well-being. For more information about joining us or exploring our services further, please visit our website or call us at 269-441-1400. We look forward to welcoming you into our community!

Branch Location & Accessibility

Operating Hours

We understand that life can get busy, which is why we've designed our operating hours to fit your schedule. Our lobby is open Monday through Thursday from 9 AM to 5 PM and on Friday until 5:30 PM. Need cash after hours? No problem! Our ATM is available around the clock for your convenience.

Services We Offer

At Omni Community, we offer a wide range of services tailored to meet your financial needs from personal checking and savings accounts to auto loans and mortgage refinancing. With drive-thru banking available, you can easily manage simple transactions without leaving your car. If you're looking for online banking options, we've got you covered there too!

Visit Us Today!

We invite you to stop by or give us a call at 269-441-1400. Our dedicated staff is eager to help you explore your options and answer any questions you may have. At Omni Community, we're more than just a credit union; we're a part of your community! Come see how we can help you achieve your financial goals today!

Member Eligibility

At Omni Community, we believe that becoming a member means joining a family that supports your financial journey. If you're wondering how to become part of our community, it's easier than you might think! Membership is open to anyone who lives, works, or worships in the areas we serve, as well as their immediate family members. This means whether you're just starting out or looking for a place to grow your savings and investments, there's a spot for you here. To explore all the details about eligibility, feel free to check out our membership criteria. Once you're ready to take the next step, opening an account with us is straightforward and welcoming. You can easily start the process online by visiting our account opening page, or if you prefer speaking with someone directly, give us a call at (269) 441-1400. We're located at 101 W Monroe St in Bangor, MI 49013, and we can't wait to welcome you into the Omni Community family!

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 $55 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $240 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $16,823,881, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to our loan offerings, we provide essential merchant services tailored to simplify your payment processing. Imagine being able to accept payments easily from your customers whether they're shopping in-store or online. Our solutions help streamline transactions so you can focus on what matters most: growing your business. Located at 101 W Monroe St, Bangor, MI 49013, we invite you to visit us or call 269-441-1400 to learn more about how our business banking services can support your success!

Comprehensive List Of Services

Convenient Access Anytime

In today's fast-paced world, convenience is key. That's why we have enhanced our digital banking features. Our Online & Mobile Banking platforms allow you to check balances, transfer funds, and pay bills from anywhere at any time. Plus, with our ATM availability and cash withdrawal services, accessing your money is simple and straightforward. You can also visit us at our branch for basic drive-thru banking services like deposits and withdrawals perfect for those busy days when you're on the go!

Empowering Businesses

For entrepreneurs and small business owners, we provide essential Business Banking services including Merchant Services and Business Loans. We understand that running a business comes with its own set of challenges, and we're here to support your growth with tailored financial products.

Financial Solutions for Every Need

Sometimes life throws unexpected expenses your way. That's why we offer Personal Loans & Debt Consolidation options to help you regain control of your finances. Whether it's consolidating debt or funding a special project, we've got you covered with competitive rates and easy repayment plans. Don't forget about our Credit Cards with Rewards, which allow you to earn points on everyday purchases. This can add up to significant savings over time!

Get Started Today!

At Omni Community in Bangor, MI, we're not just about transactions; we're about building relationships that last a lifetime. If you're ready to explore how our services can benefit you or if you have questions about becoming a member, give us a call at 269-441-1400. Your financial future starts here let's take the next step together! Visit us online at Omni Community for more information!

Personal Banking Made Easy

For those just starting out or anyone looking to manage their finances better, we offer Checking & Savings Accounts that fit various lifestyles. Imagine having easy access to your funds while also earning interest on your savings! With features like online banking and mobile payments, managing your accounts has never been more convenient. If you're in the market for a vehicle, our Auto Loans & Vehicle Financing options can help you drive away in the car of your dreams. We understand that buying a car is a big decision, so we provide flexible terms to make it easier for you. And when it comes to homeownership, our Mortgage Loans & Refinancing services are designed to guide you through every detail, ensuring you get the best rates available.

Digital & Online Banking

Accessible Banking Anytime

We believe in making banking accessible for everyone. That's why our digital services are designed with simplicity in mind no complicated processes or hidden fees. You can easily navigate through your account details and stay informed about your finances in real-time. At Omni Community, we prioritize your security as much as your convenience. With advanced security measures in place, you can feel confident knowing that your personal information is protected while you bank online. Explore all the ways we can help simplify your banking experience today at https://www.omnicommunitycu.org/!

Key Features for Your Convenience

With our 24/7 online banking services, you can check your balance, transfer funds, and pay bills without having to visit a branch. Plus, if you prefer going paperless, our e-statements make it simple to keep track of your financial activities while being environmentally friendly. You can also enjoy the convenience of mobile payments, allowing you to make purchases quickly and securely right from your smartphone. Our user-friendly mobile application is another great feature that helps you manage your accounts with ease. Whether you're transferring money between accounts or sending funds through person-to-person transfers, everything is just a tap away. And for added security, we offer electronic signature authorization, making it easier for you to approve transactions safely.

Financial Strength

Growing Trust

Total Share and Deposit Accounts: 104,565, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $467,710 further demonstrate our commitment to facilitating your financial success. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Omni Community is your trusted partner. Visit us at 101 W Monroe St Bangor Mi 49013 or call (269) 441-1400 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Members' savings are secured through $69,590,746 in share certificates and $125,218,505 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 evident through our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 118 full-time employees and 29 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting in Your Future

With $93,700,412 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 reflected in our support for your financial goals with $5,962 in used auto loans and $333,127,366 in total loans and leases.

Strong Financial Health

With a net worth of $96,137,793, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,659 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 $95,380,441 in used vehicle loans and $12,681,837 in new vehicle loans already helping members get on the road. We offer flexible terms and competitive interest rates that make driving away in your new vehicle easier than ever.

Business Financing

For business owners, our outstanding commercial loans totaling $16,823,881 provide the capital needed to grow and expand. We know how vital it is for businesses to have reliable financing options; hence our team is dedicated to understanding your needs and providing appropriate solutions.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $19,356,851, make buying or refinancing simple. We understand that purchasing a home is a significant step; therefore, we are here to guide you through the process with ease.

Refinancing Options

If you're considering refinancing any of your existing loans or mortgages for better rates or terms, our team can assist you in exploring eligibility options that suit your financial situation. At Omni Community, we pride ourselves on offering personalized service and transparent information about each loan product. For more details on our offerings or to discuss which option may be best for you, feel free to reach out at (269) 441-1400 or visit us at 101 W Monroe St Bangor Mi 49013 in Bangor. 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're here to help you navigate your financial journey let's find the right loan solution together!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $30,964,589 in loans helping members manage their finances effectively. This option provides you with quick access to funds for unexpected expenses or everyday purchases without needing collateral.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

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Omni Community