Omni Community Credit Union Colon MI | Affordable Vehicle Loans & ATM Services

Introduction

Welcome to Omni Community, your trusted financial partner in Colon, MI! Located at 123 E State St, we have been serving our community since 1952. With a strong commitment to our members, we pride ourselves on being more than just a credit union; we are a part of your journey toward financial well-being. At Omni Community, we believe in the power of community and relationships. Our dedicated team of 147 employees, led by CEO Mark Cramer and Board President Robert Lambert, is here to assist you with all your banking needs. Whether you're looking for personal banking solutions like checking and savings accounts, auto loans, or mortgage refinancing, we've got you covered. We currently serve over 45,826 members and manage assets totaling an impressive $576,920,297. With total deposits of $21,435,619 and a solid net worth of $96,137,793, our financial stability ensures that your money is safe with us. We also offer various loan options, with a total loan portfolio of 29,066 loans, tailored to meet your unique needs. While members can visit us at our branch in Colon for all their banking transactions including access to our ATM and drive-thru services official correspondence should be sent to our mailing address: PO Box 1537, Battle Creek, MI 49016. Join us at Omni Community as we work together towards achieving your financial goals. For any inquiries or assistance, feel free to call us at (269) 441-1400. We invite you to explore our services further by visiting our website at omnicommunitycu.org. Together, let's build a brighter financial future!

Branch History & Mission

Innovation and Community Engagement

As technology evolves, so do we! Omni Community embraces digital advancements like online banking and mobile payments to ensure you can manage your finances effortlessly. We prioritize accessibility for all our members, adhering to ADA compliance standards so everyone can benefit from our services. Our outreach efforts focus on building partnerships within the community. Whether through educational workshops or sponsoring local events, we aim to foster growth and support initiatives that make Colon a better place for everyone. Join us at Omni Community! Experience firsthand how we can help you navigate your financial journey while being part of a caring community. Together, let's work towards achieving your dreams because at Omni Community, you're not just a member; you're family. For more information or to become a member today, call us at 269-441-1400 or visit our website at omnicommunitycu.org.

Our Mission

At Omni Community, our mission is clear: to provide exceptional financial services while making a positive impact in the lives of our members and their families. We believe that everyone deserves access to affordable banking options that empower them to achieve their goals. Our commitment extends beyond just providing loans and accounts; we strive to create lasting relationships with those we serve. Our operating hours are designed with your convenience in mind: Monday through Thursday from 9 AM to 5 PM and Friday until 5:30 PM. We also offer drive-thru banking and ATM access for quick transactions when you're on the go.

Branch Location & Accessibility

Accessibility Features

Our branch is designed with accessibility in mind, featuring ramps and ADA-compliant facilities to ensure everyone can visit us comfortably. If you're driving over, you'll find ample parking available right outside, making your visit smooth and hassle-free.

Call to Action

We invite you to come by our Colon branch today! For any inquiries or assistance before your visit, feel free to call us at 269-441-1400. We look forward to helping you achieve your financial goals!

Operating Hours

We understand that your time is valuable. That's why we offer convenient lobby hours from Monday through Thursday from 9 AM to 5 PM, and on Fridays, we stay open a bit longer until 5:30 PM. Whether you're looking to open a new account or need assistance with loans, we're here to help during these hours.

Services Offered

At Omni Community, we provide a range of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards our goal is to support you in every aspect of your financial journey. If you're in a hurry, don't forget about our drive-thru service for quick deposits and withdrawals! For those needing cash on the go, our ATM is readily available for your convenience. While members can visit us at 123 E State St for all banking activities, please note that official correspondence should be sent to our mailing address: PO Box 1537, Battle Creek, MI 49016.

Member Eligibility

At Omni Community, we believe that everyone deserves a supportive financial community where they can thrive. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in Saint Joseph County, you're already eligible to join us. We also extend our membership to family members of current members, making it easy for loved ones to enjoy our services too. By joining Omni Community, you gain access to a range of benefits, including competitive rates on loans and savings accounts, personalized service, and a commitment to help you achieve your financial goals. To learn more about the specific eligibility requirements and ensure you meet them, feel free to visit our detailed page at https://www.omnicommunitycu.org/aboutus.php#membership-eligibility. When you're ready to open your account and start enjoying the perks of membership, it's as easy as visiting us online at https://my.omnicommunitycu.org/enroll or giving us a call at (269) 441-1400. We're located at 123 E State St Colon Mi 49040, and we can't wait to welcome you into our community!

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 loans, we offer merchant services designed to simplify transactions for your business. Imagine running a busy café; with our merchant services, you can easily accept payments from customers using credit cards or mobile wallets. This convenience not only enhances customer satisfaction but also streamlines your cash flow. Visit us at 123 E State St Colon Mi 49040 in Colon, MI, or call us at (269) 441-1400 to discover how our business banking and commercial services can empower your enterprise today!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our auto loans and vehicle financing options can help make that dream a reality. With competitive rates and flexible terms, we aim to simplify the process so you can hit the road in no time. Plus, our friendly team is here to guide you through each step, ensuring you find the best loan for your needs.

Business Banking

For entrepreneurs and business owners in Colon, we provide comprehensive business banking solutions including merchant services and business loans. We understand that running a business comes with challenges; that's why we're dedicated to supporting local businesses with the resources they need to thrive.

Convenient Access

To ensure that banking with us is as easy as possible, we offer ATM services for cash withdrawals and balance checks at various locations. If you prefer face-to-face interactions, our drive-thru service allows for quick deposits and withdrawals without leaving your car. At Omni Community in Colon (123 E State St), we're proud to serve our members by providing reliable financial solutions tailored just for them. If you're interested in learning more about any of these services or how we can assist with your specific needs, don't hesitate to give us a call at (269) 441-1400 or visit us online at omnicommunitycu.org. Let us help you achieve your financial goals today!

Credit Cards with Rewards

With our credit cards offering rewards programs, every purchase brings you closer to exciting benefits. Whether you're planning a vacation or shopping for everyday essentials, our credit cards are designed to reward your spending while keeping you in control of your finances.

Mortgage Loans & Refinancing

When it comes to buying a home or refinancing your existing mortgage, you want a partner who understands your goals. At Omni Community, our mortgage loans provide competitive rates and personalized service to help you navigate this significant investment confidently. Whether you're a first-time homebuyer or looking to lower your monthly payments through refinancing, we've got you covered.

Personal Banking

We understand that everyone's financial journey is unique. That's why our personal banking services include checking and savings accounts that cater to your lifestyle. Imagine easily managing your funds with user-friendly online banking and mobile app features. You can check balances, transfer money, or pay bills right from your smartphone making banking more convenient than ever.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, but our personal loans are here to provide support when needed most. From emergency repairs to consolidating debt, we offer flexible loan options tailored to fit your situation. Our goal is to help ease financial burdens so you can focus on what matters most.

Digital & Online Banking

Key Features

We know security is crucial. That's why our online services include electronic signature authorization, giving you peace of mind while conducting transactions from home or on the go. Plus, with e-statements available, you'll receive your account statements electronically, reducing paper clutter and allowing for quick access to important information. Need to send money to a friend? Our person-to-person transfer feature makes it easy to send cash directly from your account without any hassle. And if you're out shopping, our mobile payments option lets you make purchases quickly using your smartphone no wallet needed!

Mobile Application

For added convenience, our mobile application is available for download, putting all these features right at your fingertips. Whether you're checking balances or making payments, everything is just a tap away. At Omni Community, we strive to make banking as accessible and straightforward as possible. With user-friendly tools designed for real-time account management and top-notch security features, managing your finances has never been easier. Join us today and experience the benefits of digital banking tailored just for you!

Financial Strength

At Omni Community, 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 are committed to maintaining strong financial health, which allows us to provide you with the best possible services. With a net worth of $96,137,793, we maintain robust financial health that empowers us to offer competitive rates, lower fees, and improved services tailored just for you. Our net worth ratio of $1,659 further demonstrates our solid capital foundation. This ensures we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $69,590,746 in share certificates and $125,218,505 in money market shares, giving you stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. Currently, we have $0 in non-member deposits, which allows us to focus our resources on benefiting you through better loan rates, lower fees, and exclusive perks. 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 highlighted by $5,962 in used auto loans and $333,127,366 in total loans and leases. This means we're here to support your financial goals across various sectors. Even during challenging times, our operational efficiency is reflected in our net income of $0, which enables us to keep 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 who are always ready to assist you with a knowledgeable and dedicated team. With net shares totaling $467,710, we have funds available for lending and investments that contribute directly to your success. Our total share accounts stand at 104,565, showcasing a strong and growing member base that trusts us with their finances. 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 123 E State St Colon Mi 49040 or call (269) 441-1400 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $12,681,837 in new vehicle loans and $95,380,441 in used vehicle loans, helping members get on the road with confidence. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, our friendly team is here to guide you through the process.

Business Loans

For business owners looking to expand or invest in new opportunities, our outstanding commercial loans totaling $16,823,881 provide the capital needed to grow your business successfully. At Omni Community Credit Union, we believe in making finance accessible and straightforward. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Visit us today or check out our website for more information on how we can assist you with your borrowing needs!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $19,356,851, making it easier than ever to secure your dream home. If you have questions about eligibility or refinancing options, don't hesitate to ask our staff.

Unsecured Credit Cards

Managing day-to-day expenses is crucial for financial health. 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 an easy way to handle unexpected costs without the hassle of complicated terms.

Loan Aggregator

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Omni Community