Our Credit Union Royal Oak MI | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Our located at 3070 Normandy Rd, Royal Oak, MI 48073! Since our establishment in 1959, we've been dedicated to serving our community and empowering our members with robust financial solutions. With a total membership of 23,711, we pride ourselves on being a trusted partner in your financial journey. At Our, we understand that each member's needs are unique. That's why we offer a wide range of services tailored just for you from personal banking and auto loans to business banking solutions. Our total assets exceed $358,919,051, demonstrating our strength and stability in the industry. With $38,207,369 in total deposits and a net worth of $33,431,228, we ensure your money is not only safe but also growing. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 3070 Normandy Rd, Royal Oak, MI 48073. If you have questions or need assistance, don't hesitate to call us at 248-549-3838. Under the leadership of our CEO Darren Cameron and Board President Joe Kripili, we're committed to providing excellent service and building lasting relationships with our members. Our experienced team of 84 employees is here to help you navigate your financial goals with personalized care. Join us today at Our where community matters and your financial well-being is our priority! Visit our website at OurCUOnline.org or stop by the branch to explore how we can assist you further.

Branch History & Mission

A Legacy of Service

Starting from humble beginnings, Our has evolved significantly over the decades. We began as a credit union focused on serving local families and businesses. Through hard work and dedication, we expanded our services and embraced technology to better serve our members. Today, we offer a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Located at 3070 Normandy Rd, Royal Oak, MI 48073, our branch is easily accessible for all your banking needs. Just a short distance from local landmarks like the Royal Oak Farmers Market, we strive to be a convenient stop for both residents and visitors alike. While members can visit us at this address for their banking needs, official correspondence should be sent to the same mailing address.

Community Focused Initiatives

Our connection with the community is further strengthened through partnerships with local organizations. By participating in various outreach programs and events throughout the year, we contribute to building a stronger Royal Oak community. Whether it's hosting workshops or sponsoring local events, we are dedicated to making a positive impact. As part of our ongoing efforts to enhance member experience, we also provide shared service centers that allow members from partner credit unions access to essential banking services right here at Our.

Join Us Today!

We invite you to become part of Our's thriving community. Experience firsthand how we can help you achieve your financial goals while being an active participant in making Royal Oak a better place for everyone. Visit us at 3070 Normandy Rd or call us at 248-549-3838 today! Let's embark on this journey together towards financial success and community empowerment!

Our Mission

Our mission at Our is simple yet profound: to empower our members through accessible financial services while actively supporting community growth. We believe that everyone deserves access to financial education and tools that foster economic well-being. This commitment extends beyond traditional banking; we engage in community outreach initiatives aimed at uplifting local organizations and promoting financial literacy among all age groups. In addition to offering competitive rates on loans and savings accounts, we focus on digital advancements such as online and mobile banking options. We prioritize accessibility by ensuring ADA compliance in all our branches and providing resources like drive-thru service for convenience.

Branch Location & Accessibility

Welcome to Our! Located at 3070 Normandy Rd Royal Oak Mi 48073, our branch is nestled in the vibrant community of Royal Oak, MI. We are conveniently situated near local landmarks, making it easy for you to stop by and take care of your banking needs. Whether you're heading to the nearby parks or running errands, we are here to serve you. At Our, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, including ramps and designated parking spaces to ensure that everyone can visit us comfortably. Plus, with a drive-thru service available, you can manage your banking from the convenience of your vehicle. We understand that your time is valuable. That's why we offer flexible operating hours designed to fit your busy schedule. You can visit us during lobby hours from Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. If you prefer using our drive-thru services, those are available Monday through Wednesday from 9 AM to 6 PM, and on Thursday and Friday until 6:30 PM, with Saturday hours from 9 AM to 3 PM. In addition to our friendly face-to-face service, we also offer a range of convenient banking options. Need cash? Our ATM is readily available for quick withdrawals and balance checks. If you're a member of a partner credit union, you'll appreciate the shared services available at our location too! While members can visit us at 3070 Normandy Rd Royal Oak Mi 48073, official correspondence should be sent to our mailing address at 3070 Normandy Rd, Royal Oak, MI 48073. Feel free to reach out with any questions or concerns by calling us at (248) 549-3838. We invite you to come by, meet our team, and see how we can assist you today!

Member Eligibility

At Our, we believe that everyone deserves access to a supportive financial community. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the Royal Oak area, you're likely eligible to join us. We also extend membership to family members of current members, making it easy to share the benefits of our services with your loved ones. To learn more about specific eligibility requirements and any updates, feel free to visit our website at http://www.ourcuonline.org/membership. Joining Our opens the door to a variety of advantages, including personalized service and competitive rates on loans and savings accounts. We strive to make the account opening process as straightforward as possible. You can easily start your membership by visiting us online at https://secure.ourcuonline.org/enroll or giving us a call at (248) 549-3838. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services That Work for You

In today's fast-paced market, having efficient payment solutions is crucial. Our merchant services make it easy for you to accept payments, manage transactions, and keep your cash flow steady. Picture this: a customer walks into your store, makes a purchase, and pays using their mobile device all thanks to our seamless integration of payment technology. This not only enhances customer experience but also boosts your sales potential. Explore how Our, located at 3070 Normandy Rd Royal Oak Mi 48073 in Royal Oak, MI, can help your business thrive with personalized banking solutions tailored just for you. For more information, give us a call at (248) 549-3838 or visit our website at ourcuonline.org.

Tailored Business Loan Options

Imagine having the financial backing to purchase new equipment or hire additional staff. 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 $205 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.

Comprehensive List Of Services

Business Banking Solutions

For those venturing into entrepreneurship, our business banking services, including merchant services and business loans, can help turn ideas into reality. We understand the challenges small businesses face and are committed to providing the support necessary for growth.

Convenient Banking Features

Accessing your funds should be easy and convenient. That's why we offer ATM and cash withdrawal services, along with basic drive-thru banking for quick deposits, withdrawals, and simple transactions. You can also take advantage of our shared branch transactions if you're a member of partner credit unions making banking even more accessible! At Our, we strive to provide an excellent banking experience tailored just for you. If you have any questions or want more information about our services, don't hesitate to reach out at (248) 549-3838. We're here to assist you with all your financial needs! Visit us today or check out our website at Normandy Office to learn more about how we can support you on your financial journey!

Home Financing Options

If you're looking to buy a home or refinance your existing mortgage, our mortgage loans come with guidance every step of the way. We want to make sure you feel confident in this important investment. Picture yourself settling into your dream home while knowing you've made a smart financial choice with our expert support.

Personal Banking Solutions

Whether you're opening your first checking account or saving for a major life event, our personal banking services have got you covered. We offer checking and savings accounts that fit various lifestyles. Imagine easily accessing your funds through online and mobile banking it's as simple as tapping your phone! With features like e-statements, managing your finances becomes more straightforward and eco-friendly.

Personal Loans for Life's Needs

Life can throw unexpected expenses your way. That's why we offer personal loans and debt consolidation options. Whether it's for medical bills, home improvements, or consolidating credit card debt, we're here to help you find relief and get back on track financially.

Rewarding Credit Card Choices

Our credit cards with rewards allow you to earn benefits while making everyday purchases. From cash back offers to travel rewards, these cards are designed to work for you. Enjoy the perks while building your credit history!

Vehicle Financing Made Easy

Need a new car? Our auto loans and vehicle financing options are designed to help you drive away in style without straining your budget. We understand that buying a vehicle is a significant decision, so we provide competitive rates and flexible terms to suit your needs.

Digital & Online Banking

Accessible Online Banking

Our online banking platform, accessible through https://www.ourcuonline.org/, allows you to handle your banking needs anytime, anywhere. Whether you're checking your balance or transferring funds, our 24/7 online banking services ensure you have full control over your accounts whenever it suits you.

Security You Can Trust

At Our, security is a top priority. Although we do not currently offer electronic signature authorization, our systems are robust and designed to keep your information safe while providing a smooth banking experience. With all these tools at your disposal, accessing and managing your finances has never been easier. Join us at Our today and discover how our digital banking services can enhance your financial journey!

User-Friendly Features

We offer features like e-statements, so you can go green and easily access your financial statements without clutter. Enjoy the simplicity of mobile payments, allowing you to make purchases directly from your smartphone. Plus, our mobile application is designed for ease of use, making it simple to manage your account on the go. For those times when you need to send money to a friend or family member quickly, our person-to-person transfer feature has got you covered. It's fast, secure, and eliminates the hassle of cash transactions.

Financial Strength

A Growing Member Base

We currently have 47,590 total share accounts, showcasing a strong and growing member base that trusts us with their finances. Our commitment to your success means we continually strive for excellence in every aspect of our service. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Our is your trusted partner. Visit us at 3070 Normandy Rd Royal Oak Mi 48073 or call (248) 549-3838 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.*

Investing in Your Future

With $30,157,609 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, with $9,701 in used auto loans and $210,407,394 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 72 full-time employees and 12 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Our Financial Health

With a net worth of $33,431,228, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. This strength is further highlighted by our net worth ratio of $931, demonstrating a solid capital foundation. This ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Your Savings Are Safe

Members' savings are secured through $61,200,808 in share certificates and $28,480,966 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $7,957,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $74,932,197 in used vehicle loans and $19,220,567 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable pre-owned option, our team is ready to assist you every step of the way.

Credit Lines

If you need extra flexibility, consider our credit lines totaling $80,000,000. This option allows you to borrow what you need when you need it, making it ideal for managing unexpected expenses or funding special projects. If you're considering refinancing options or want to learn more about eligibility requirements, feel free to reach out. Our knowledgeable staff is here to help guide you through the application process and answer any questions you may have. For inquiries or assistance, don't hesitate to contact us at (248) 549-3838 or visit us at our branch located at 3070 Normandy Rd Royal Oak Mi 48073 in Royal Oak, MI. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your financial success is our priority, and we look forward to serving you!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $8,669,996, make buying or refinancing simple. We provide competitive rates and flexible terms designed to fit various budgets, ensuring you find the right loan for your dream home.

Unsecured Credit Card Loans

Managing finances can be easier with our unsecured credit card loans. With a total of $6,459,755 in loans helping members manage their expenses effectively, we offer flexible terms that can adjust to your spending habits while providing peace of mind.

Loan Aggregator

Call to Action

Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment ensures that users receive fair and transparent offers tailored to their specific needs. LendMesh stands out for several key reasons: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that they are viewing accurate and reliable information. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means users can explore all available options without worrying about hidden agendas or favoritism. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. This feature allows potential borrowers to act swiftly in a changing market. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials underscore the platform's effectiveness and user satisfaction.

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