Polish & Slavic Credit Union Troy MI | Low Mortgage Rates & Business Banking

Introduction

Welcome to Polish-American Credit Union, your trusted financial partner in the heart of Troy, MI. Located at 2889 E Maple Rd, our branch has been serving the community since 1976, fostering a sense of belonging and support for our 7,153 members. With total assets exceeding $166 million, we take pride in offering personalized services tailored to meet your financial needs. At Polish-American, we understand that banking is more than just transactions; it's about building relationships. Under the leadership of our CEO, John Swidwinski, and Board President, Mark Reaume, our dedicated team of 27 employees is committed to providing exceptional service every day. Whether you're looking for auto loans, mortgages, or credit card options with rewards, we have a solution that fits your lifestyle. While members can visit us at our main branch in Troy, official correspondence should be sent to the same address: 2889 E Maple Rd, Troy, MI 48083. Our branch is equipped with an ATM and drive-thru services for your convenience. With a solid foundation built on trust and community impact, we are proud to manage total deposits of $809,955 and maintain a net worth of over $21 million. Our mission is simple: to empower you financially while ensuring you feel valued as part of our family. Ready to take the next step towards achieving your financial goals? Give us a call at (248) 619-0440 or visit our website at mypafcu.com to learn more about how we can assist you today!

Branch History & Mission

Community Commitment

Our commitment extends beyond banking; we actively participate in various community outreach programs and partnerships aimed at improving the quality of life for those around us. We understand that when our community thrives, so do our members. While you can visit us at 2889 E Maple Rd, official correspondence should be sent to 2889 E Maple Rd, Troy, MI 48083 if it differs from your visit. Join us at Polish-American Credit Union today! Experience firsthand how we can help you achieve your financial goals while being part of a caring community that stands together. For any questions or assistance, feel free to call us at 248-619-0440. We look forward to welcoming you into our family!

Our Mission

At Polish-American Credit Union, our mission is clear: we strive to provide exceptional financial services while fostering a supportive environment that enhances the well-being of our members and the community. We believe in the power of relationships between members and staff, as well as among our members themselves. Our offerings include personal banking options like checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. In addition to traditional banking services, we embrace technology to make banking easier for you. Enjoy the convenience of online banking and mobile applications for secure transactions at your fingertips. With ATM access available and drive-thru banking options, managing your finances has never been simpler.

Branch Location & Accessibility

Accessibility and Features

At Polish-american, we prioritize accessibility for all our members. Our branch features ADA-compliant ramps and parking spaces designed to accommodate everyone comfortably. Plus, our drive-thru service allows for quick and easy transactions without leaving your vehicle. We know that your time is valuable! That's why our lobby hours are set to fit your busy schedule: Monday through Thursday from 9:30 AM to 5:00 PM, Friday until 6:00 PM, and Saturday from 9:30 AM to 1:00 PM. If you need assistance outside these hours, feel free to give us a call at 248-619-0440; we're always happy to help!

Services We Offer

Our branch is equipped with an ATM for quick cash withdrawals and balance inquiries. You can also count on us for personal banking services like checking and savings accounts, auto loans, mortgage options, credit cards with rewards, and business banking solutions. Whether it's simple deposits or more complex transactions you need assistance with, our friendly staff is ready to assist you. We invite you to visit us today at Polish-american Credit Union in Troy! Experience firsthand how we can support your financial journey.

Member Eligibility

Joining the family at Polish-american means stepping into a community that genuinely cares about its members. We welcome individuals who live, work, worship, or attend school in our local area. It's all about creating connections that matter! To get started, just head over to our website for the full eligibility details at http://www.mypafcu.com/field-of-membership . Whether you're looking for personal banking services or loans tailored to your needs, becoming a member opens up a world of advantages designed just for you. The process is simple and straightforward you can easily open your account online by visiting http://www.mypafcu.com/loan-application , or if you prefer speaking to someone directly, feel free to give us a call at (248) 619-0440. We're excited to help you on your journey towards financial well-being right here at 2889 E Maple Rd Troy Mi 48083!

Business Banking & Commercial Services

Loan Options That Support Growth

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.

Merchant Services for Everyday Success

In addition to loans, we offer robust merchant services designed to simplify transactions for your business. Picture this: your customers can easily make purchases using various payment methods while you benefit from efficient cash flow management. It's about making your day-to-day operations smoother so you can focus on what really matters growing your business. Visit us at 2889 E Maple Rd Troy Mi 48083, Troy, MI or call us at (248) 619-0440 to discover how we can help elevate your business today!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing options are designed to get you on the road quickly. With competitive rates and flexible terms, we can help turn your dream car into a reality without breaking the bank.

Business Banking

For our entrepreneurial members, we provide business banking solutions like merchant services and business loans. We aim to empower local businesses by offering resources and tools that facilitate growth and success.

Credit Cards with Rewards

Make the most out of your spending with our credit cards that come with rewards! Enjoy cash back on purchases or points redeemable for travel and shopping. It's a great way to earn benefits while managing everyday expenses.

Digital Banking Convenience

In today's fast-paced world, convenience is key. Our online and mobile banking services allow you to manage your accounts from anywhere at any time. You can pay bills, transfer money, or check balances all at your fingertips. Plus, with access to ATMs for cash withdrawals and basic drive-thru banking services for quick transactions, managing your money has never been easier. At Polish-american, we're committed to being more than just a financial institution; we're a partner in your journey toward financial wellness. If you'd like to learn more about any of our services or have specific questions, please don't hesitate to reach out at (248) 619-0440 or visit us at 2889 E Maple Rd Troy Mi 48083 in Troy, MI. Take control of your finances today join us at Troy and explore how we can help!

Mortgage Loans & Refinancing

Homeownership is an important milestone for many, and our mortgage loans provide the support you need. If you're looking to buy your first home or refinance your existing mortgage for better rates, our experienced team can guide you through each step of the process, making it as smooth as possible.

Personal Banking

When it comes to managing your everyday finances, our personal banking services are tailored just for you. We offer various checking and savings accounts that suit different lifestyles and budgeting needs. Whether you're saving for a vacation or planning for unexpected expenses, our accounts can help you manage your funds effectively.

Personal Loans & Debt Consolidation

Life can sometimes throw unexpected expenses your way. That's where our personal loans come in handy. Whether it's for home improvements, medical bills, or consolidating debt, we offer flexible loan options that can ease your financial burden.

Digital & Online Banking

Convenient Online Banking

With our 24/7 online banking services, you can access your accounts whenever you need to. Whether you're checking balances, paying bills, or transferring funds, everything is just a click away at https://www.mypafcu.com/ . Our user-friendly platform ensures that even if you're not tech-savvy, you can navigate it with ease.

Mobile Banking on the Go

Stay in control of your finances with our mobile application. Available for both Android and iOS devices, our app allows you to manage your accounts from the palm of your hand. Plus, with features like mobile payments, making transactions is as simple as tapping your phone. You can also send money easily through our person-to-person transfer service perfect for splitting dinner bills or paying back friends!

Real-Time Account Management

With our digital banking tools, you can monitor your accounts in real-time. This means you can track spending habits and manage budgets effectively all from one place. Our online banking features help you stay informed about your finances so you can make smart decisions. At Polish-american, we're committed to providing innovative solutions that enhance your banking experience while prioritizing security and convenience. Explore all that we have to offer by visiting https://www.mypafcu.com/ today!

Secure and Flexible Options

Your security is our top priority. We ensure that all transactions are protected with advanced security measures. While we currently do not offer electronic signature authorization, we provide e-statements to keep your financial information organized and accessible without the clutter of paper.

Financial Strength

Committed Team

We also take pride in having 23 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. This dedicated workforce contributes to our operational efficiency reflected by our net income of $1,639,751 for the year.

Growing Together

Total Share Accounts stand at 13,837, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending are currently at $0, as we strategically manage our resources to provide you with the best possible service. 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 2889 E Maple Rd Troy Mi 48083 or call 248-619-0440 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' 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. 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.

Reinvesting in Our Members

With $19,479,794 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $114,050,859 in total loans and leases and $4,560,910 in used auto loans.

Solid Foundations

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. Our net worth ratio of 12.69% 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

Additional Loan Options

For those needing additional funds for personal projects or unexpected expenses, we have personal loan options available as well. If you're interested in business financing, our outstanding commercial loans totaling $7,063,884 are designed to provide the capital needed for growth and expansion. If you're considering refinancing your existing loans or want to explore eligibility options for any of our products, please don't hesitate to reach out! You can contact us at 248-619-0440 for more information. 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 invite you to visit us at Polish-american and discuss how we can help meet your financial needs today!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $5,609,109 in used vehicle loans and $1,887,767 in new vehicle loans already helping members get on the road. We make it easy for you to finance your next vehicle with competitive rates and flexible terms.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $5,897,137. Whether you're a first-time homebuyer or looking to refinance your existing mortgage, our experienced team can guide you through the process.

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans. With a total of $1,996,100 in loans helping members manage their finances effectively, our credit cards come with rewards that make everyday purchases even more rewarding.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate 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 ensures that users receive fair and transparent offers when exploring different loan options.

POLISH AMERICAN FEDERAL CREDIT UNION