Polish-American Credit Union Hamtramck MI | Best Auto Loans & Business Banking

Introduction

Welcome to Polish-American Credit Union, where our mission is to empower our members and uplift our community. Located at 11905 Joseph Campau St, Hamtramck, MI 48212, we have been serving our members since 1976. With a strong foundation built on trust and reliability, we are proud to support over 7,153 members with a total of $166,426,011 in assets. At Polish-American, we understand the importance of financial stability. That's why we offer a range of services tailored to meet your needs from personal banking solutions like checking and savings accounts to various loan options including auto loans and mortgages. Our dedicated team, led by CEO John Swidwinski and Board President Mark Reaume, is committed to providing personalized service to help you achieve your financial goals. While you can visit us at our branch for all your banking needs, please note that official correspondence should be directed to the same address: 11905 Joseph Campau St, Hamtramck, MI 48212. We take pride in our solid financial standing, with total deposits amounting to $809,955 and net worth reaching $21,119,545. Our commitment extends beyond just numbers; it's about making a positive impact in the lives of our members and the surrounding community. If you're looking for a reliable partner in your financial journey or have questions about our offerings, don't hesitate to reach out! Call us today at 313-365-1000, or visit our website at www.mypafcu.com for more information. We look forward to serving you!

Branch History & Mission

A Journey Through Time

From our humble beginnings, Polish-american has continually evolved to meet the changing needs of our members. We began with a simple mission: to provide accessible financial services to individuals and families in our area. Over the years, as our membership grew and our resources expanded, we have added services such as auto loans, mortgages, and personal loans. Today, our total assets stand proudly at $166,426,011, enabling us to support our members with a wide range of financial products.

Commitment to Accessibility

We understand that convenience matters in today's fast-paced world. That's why we offer features like online banking and mobile payments for easy access to your accounts anytime you need them. With ATM availability at our branch and attentive customer service during operating hours Monday and Tuesday from 9:30 AM to 5:00 PM; Wednesday and Thursday from 9:30 AM to 1:30 PM; Friday from 9:30 AM to 6:00 PM; and Saturday from 9:30 AM to 1:00 PM we are here for you when you need us most.

Join Us Today!

As we look toward the future, Polish-american Credit Union remains committed to upholding our values of trust, integrity, and community engagement. We invite you to become part of our family. Experience firsthand how we can assist you in reaching your financial goals while being an active participant in this wonderful community. For more information or to open an account, please visit our website or give us a call at 313-365-1000. Join us at Polish-american Credit Union where your success is our mission!

Our Mission: More Than Just Banking

At Polish-american Credit Union, our mission goes beyond just providing financial services. We are dedicated to enhancing the lives of our members and fostering community development. Our goal is to empower individuals through education about financial literacy while offering support through personalized service. We believe that everyone deserves a chance to achieve their financial dreams, whether that means buying a home or starting a business. We also prioritize community outreach and partnerships that enrich the lives of those we serve. Through various initiatives and events, we strive to make a positive impact on Hamtramck and its residents.

Branch Location & Accessibility

Convenient Features

Parking is readily available near the entrance, allowing for easy access to our services. The branch is designed with accessibility in mind, featuring ramps and ADA-compliant facilities to accommodate all members of our community. Our operating hours are designed to fit your busy schedule. You can visit us Monday and Tuesday from 9:30 AM to 5:00 PM, Wednesday and Thursday from 9:30 AM to 1:30 PM, Friday from 9:30 AM to 6:00 PM, and Saturday from 9:30 AM to 1:00 PM. We want to make sure that you have ample time to take care of your financial needs.

Services Offered

At Polish-American Credit Union, we provide a range of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, our offerings cater to both individuals and businesses. Need cash? Our ATM is available on-site for quick withdrawals and balance checks. Though we currently do not have drive-thru service or shared service centers, our dedicated staff is always ready to help inside the branch. Feel free to reach out via phone at 313-365-1000 if you have any questions or need assistance before your visit. We invite you to come by and experience the welcoming atmosphere at Polish-American Credit Union. Your financial well-being matters to us!

Member Eligibility

At Polish-american, we believe that joining our community is like becoming part of a supportive family that genuinely cares about your financial well-being. If you're looking to become a member, you'll find that the eligibility criteria are quite inclusive. Generally, anyone who lives, works, worships, or attends school in the area can apply. This means that if you're part of our vibrant community in Hamtramck or nearby, you're likely eligible! Not only does membership give you access to a range of financial services tailored to your needs, but it also opens the door to a friendly atmosphere where everyone is welcome. Getting started is easy! Simply visit us at 11905 Joseph Campau St Hamtramck Mi 48212 or call us at (313) 365-1000 for more information on how to join. You can also check out the detailed eligibility criteria by visiting http://www.mypafcu.com/field-of-membership . Once you're ready to take the next step, you can open an account conveniently through this link: http://www.mypafcu.com/loan-application . We can't wait to welcome you as a member of Polish-american!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer merchant services that simplify payment processing. Imagine running your business without the hassle of complicated transactions our solutions make it easy for you to accept payments from customers, so you can focus on what matters most: growing your business. Located at 11905 Joseph Campau St Hamtramck Mi 48212 in Hamtramck, MI, our team is ready to assist you. Reach out to us at (313) 365-1000 or visit our website at https://www.mypafcu.com/ for more information on how we can help your business flourish!

Tailored Lending Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $75 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $27 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $7,063,884, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

We understand that convenience matters when it comes to accessing your cash. Our branch provides easy-to-use ATM & Cash Withdrawal Services, allowing you to withdraw funds and check balances without stepping inside the branch. If you're ready to explore these services or have questions about how we can assist you further, don't hesitate to contact us at (313) 365-1000. Visit us at Hamtramck today!

Auto Loans & Vehicle Financing

Planning to buy a new car? Our Auto Loans & Vehicle Financing services make it simple. With competitive rates and flexible terms, we help you get behind the wheel without the hassle. Picture driving off in your dream vehicle while knowing you made a smart financial choice.

Business Banking

Running a business comes with its own set of challenges. That's why we offer comprehensive Business Banking solutions, including merchant services and business loans. Our goal is to help local businesses thrive by providing tailored financial products that meet their unique needs.

Credit Cards with Rewards

For those who love shopping or traveling, our Credit Cards with Rewards allow you to earn points while making everyday purchases. This means that every dollar spent could bring you closer to exciting rewards think about how quickly those points could add up!

Mortgage Loans & Refinancing

Homeownership is within reach with our Mortgage Loans & Refinancing options. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, we provide personalized assistance every step of the way. Our knowledgeable staff will guide you through the process, ensuring that you understand all your options.

Personal Banking Solutions

Managing your money should be easy and convenient. That's why we offer Personal Banking services, including checking and savings accounts tailored to fit your lifestyle. Imagine having the freedom to access your funds anytime through our robust Online & Mobile Banking options. You can check balances, transfer money, and even pay bills from the comfort of your home or on the go.

Personal Loans & Debt Consolidation

If you need extra cash or want to consolidate debt, our Personal Loans & Debt Consolidation services are designed for you. We work closely with you to find a solution that fits your financial situation, helping you manage expenses more effectively.

Digital & Online Banking

Key Features of Our Digital Banking

Our online banking platform, accessible at https://www.mypafcu.com/ , provides a range of features to help you manage your finances effortlessly. You can check your account balances, view transaction history, and transfer money between accounts with just a few clicks. Plus, for those who prefer paperless options, we offer e-statements to keep you organized while being eco-friendly. Need to send money to friends or family? Our person-to-person transfer feature makes it simple and quick. All you need is their email or phone number to send funds securely. And if you're always on the move, our mobile application offers all these functionalities at your fingertips allowing you to handle transactions on the go.

Security and Accessibility

Security is a top priority at Polish-american. While we don't currently support electronic signature authorization, rest assured that our systems are built with strong protection measures to keep your information safe. You can enjoy peace of mind knowing that your personal data is secure while accessing our online services. Whether you're making mobile payments or managing your accounts through our app, we've designed everything to be user-friendly and straightforward. Our goal is to provide real-time account management so that you are always in control of your finances. In summary, with Polish-american's digital and online banking services, you get more than just convenience you gain a trusted partner in managing your financial journey. Discover how easy banking can be by visiting us today!

Financial Strength

Growing Together

We have built a strong community with a total of 13,837 share and deposit accounts, reflecting the trust our growing member base places in us. Our net shares available for lending stand at $0, further reinforcing our ability to support your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Polish-american is your trusted partner. Visit us at 11905 Joseph Campau St Hamtramck Mi 48212 or call (313) 365-1000 to learn more about how we can help you achieve your financial goals.

Member Savings Security

Your savings are secured through $28,706,197 in share certificates and $24,361,280 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members over profits. With non-member deposits at $0, we focus our resources on benefiting you through better loan rates, lower fees, and exclusive perks.

Our Financial Health

With a net worth of $21,119,545, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation is reflected in our net worth ratio of $1,269, demonstrating our commitment to maintaining a robust capital base. This ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvesting for Your Benefit

With $19,479,794 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors with $424 in used auto loans and $114,050,859 in total loans and leases. Our operational efficiency is evident in our $1,639,751, which enables us to continue offering competitive loan rates and solid financial products for our members. We are proud to have 23 full-time employees and 4 part-time employees, ensuring that our branches are always ready to serve you with a knowledgeable, committed team.

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 $5,609,109 in used vehicle loans and $1,887,767 in new vehicle loans, helping members get on the road with confidence. Whether you're interested in a brand-new model or a reliable used vehicle, our tailored financing solutions make it easy to find the right fit for your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $7,063,884 provide the capital needed to grow and expand. Whether you need funds for equipment purchases or working capital, we are committed to supporting local businesses through tailored lending solutions. In addition to these products, we pride ourselves on providing exceptional customer service and support throughout the borrowing process. If you're interested in learning more about our loan offerings or want to see if you qualify for refinancing options, visit us online at mypafcu.com or stop by our branch. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Take control of your financial future with Polish-american today!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $5,897,137. We strive to make buying or refinancing simple and straightforward. If you're looking to refinance an existing mortgage or are exploring eligibility options for a new one, we encourage you to reach out and discuss how we can help.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $1,996,100 in loans available, our credit cards are designed to help members manage their finances effectively while enjoying rewards on everyday purchases.

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POLISH AMERICAN FEDERAL CREDIT UNION - Hamtramck, MI