Port City Credit Union Muskegon MI | Best Auto Loans & Quick Personal Loans

Introduction

Welcome to Port City Federal Credit Union, your trusted partner in financial success since 1944. Located at 460 W Laketon Ave, Muskegon, MI 49441, we are proud to serve our community with a commitment to member-focused banking solutions. With nearly 2,800 members and total assets reaching $39,488,783, we offer a wide array of services designed to meet your personal and business needs. At Port City, we believe that banking should be about more than just transactions; it's about building relationships and fostering financial well-being. Our dedicated team, led by CEO Ashton Person and Board President Kathleen Wilkerson, is here to provide you with personalized service and expert guidance every step of the way. Whether you're looking for checking and savings accounts, auto loans, or mortgage options, we have the tools and expertise to help you achieve your financial goals. We currently manage over $1,777,833 in deposits and have provided 837 loans to our valued members, showcasing our commitment to supporting your aspirations. For any official correspondence, please note that while you can visit us at our branch location, mail should be directed to the same address: 460 W Laketon Ave, Muskegon, MI 49441-2632. We invite you to explore our website at Port City Federal Credit Union for more information about our services or feel free to give us a call at 231-725-3312. Our doors are open Monday through Friday from 9:00 AM to 5:00 PM. Join us today as we continue to strengthen our community through exceptional service and support. Your journey towards financial empowerment starts here!

Branch History & Mission

At Port City Federal Credit Union, our journey began in 1944, rooted in a strong commitment to serve the community of Muskegon, MI. Over the years, we have grown from a small group of dedicated members to a thriving financial institution with a total membership of 2,797 individuals who trust us with their financial needs. Our branch, located at 460 W Laketon Ave, Muskegon, MI 49441, is not just a place for banking; it's where friendships are formed and community ties are strengthened. Since our inception, we have witnessed remarkable milestones that reflect our dedication to providing quality service and support. Today, with total assets amounting to $39,488,783, we are proud to offer a range of services including checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards that come with rewards. We continually strive to meet the evolving needs of our members through innovative solutions like online banking and mobile applications. Our mission is simple yet profound: to enhance the financial well-being of our members while contributing positively to our local community. We believe in offering accessible financial services that empower individuals to achieve their goals. This mission drives us every day as we work tirelessly to provide personalized support tailored to each member's unique situation. While members can visit us at 460 W Laketon Ave, official correspondence should be sent to 460 W Laketon Ave, Muskegon, MI 49441-2632. Our friendly team operates Monday through Friday from 9:00 a.m. to 5:00 p.m., ensuring that assistance is always just a visit or phone call away at 231-725-3312. As part of our commitment to being customer-centric, we offer convenient features such as ATM access and drive-thru banking services. We also prioritize accessibility and compliance with ADA standards so that all community members can benefit from our offerings without barriers. Community outreach is at the heart of what we do. Through various partnerships and initiatives, we engage with local organizations and contribute positively to the neighborhoods we serve. We know that when our community thrives, so do we. Join us at Port City Federal Credit Union and discover how we can help you navigate your financial journey successfully. With us by your side, you're not just a member; you're part of a family dedicated to building a brighter future together. Visit us today or check out our website at Port City FCU for more information on how you can become a part of our growing community!

Branch Location & Accessibility

Get in Touch!

If you have any questions or need assistance, feel free to give us a call at 231-725-3312. While members can visit us at 460 W Laketon Ave for all their banking needs, official correspondence should be sent to our mailing address at 460 W Laketon Ave, Muskegon, MI 49441-2632. We look forward to welcoming you at Port City Federal Credit Union come see how we can help you achieve your financial goals!

Nearby Landmarks and Accessibility

Situated near popular local spots, our branch is easily accessible for everyone. You'll find us close to several well-known landmarks that make visiting simple and straightforward. With ample parking available, you won't have to worry about finding a spot, and our ADA-compliant facilities ensure everyone can access our services comfortably.

Operating Hours and Services Offered

We understand that life can get busy, so we've made sure our hours fit your schedule. You can visit us Monday through Friday from 9:00 a.m. to 5:00 p.m., making it easy to drop by before or after work. At Port City, we offer a variety of personal banking services, including checking and savings accounts, auto loans, mortgage options, and credit cards with rewards. Need cash? Our ATM is available for withdrawals and balance checks, while our drive-thru service allows for quick deposits and transactions without leaving your car.

Member Eligibility

Welcome to the welcoming community at Port City, where becoming a member means gaining access to a wealth of financial resources tailored just for you. If you're looking to join us, you'll find that eligibility is quite inclusive! Generally, anyone who lives, works, worships, or attends school in our local area can become a member. This means you could soon enjoy all the benefits we offer, from competitive loan rates to personalized service. For the most accurate and detailed information about eligibility criteria, feel free to check out our website at . Opening an account with us is easy and straightforward. Just take a moment to fill out the application form available at https://forms.joinmycu.com/mop/062/apply. If you have any questions or need assistance during the process, don't hesitate to give us a call at (231) 725-3312. Our friendly team is here to guide you every step of the way. Join Port City today, and let's work together toward your financial goals!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no member commercial loans or non-member commercial loans available, we are dedicated to fostering a vibrant economic environment in the community. Imagine being able to secure financing that allows you to invest in new equipment or hire additional staff, fueling your company's growth. At Port City, we aim to provide flexible and accessible loan options that fit your specific circumstances.

Merchant Services

In addition to loans, we offer comprehensive merchant services that can simplify payment processing for your business. By utilizing our services, you can focus on what you do best serving your customers while we handle the transactions smoothly. This not only enhances customer satisfaction but also streamlines your operations, allowing for efficient cash flow management. If you're ready to take the next step in growing your business, visit us at 460 W Laketon Ave Muskegon Mi 49441 in Muskegon, MI or give us a call at (231) 725-3312. Let's work together to build a brighter future for your business!

Comprehensive List Of Services

Additional Services

For quick transactions like deposits or withdrawals, take advantage of our basic drive-thru banking service. It's perfect for those busy days when time is short but banking needs remain. At Port City, we believe in making banking as convenient as possible while ensuring you receive personalized service every step of the way. We invite you to explore how we can support your financial journey today! Ready to learn more? Visit us online at Port City Federal Credit Union or stop by our branch at 460 W Laketon Ave Muskegon Mi 49441. Our team looks forward to serving you!

Credit Cards & Business Banking

Looking for a credit card that rewards your spending? Our credit cards with rewards give you the flexibility to earn points on everyday purchases, making it easier to enjoy what you love most. If you're a business owner, we've got essential tools for you too! Our business banking services, including merchant services and business loans, are designed to support your growth and streamline operations.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. With just a few clicks or taps, you can check your balances, transfer funds, pay bills, and more right from the comfort of your home or on the go! Additionally, our ATMs provide easy access for cash withdrawals and balance checks whenever you need them.

Personal Banking

Whether you're opening your first checking account or looking for a reliable savings option, we have you covered with our personal banking services. Our checking and savings accounts are tailored to fit various lifestyles, making it easy for you to manage daily expenses or save for future plans. If you're considering purchasing a vehicle, our auto loans and vehicle financing options offer competitive rates to help you get behind the wheel without breaking the bank. For those dreaming of home ownership or wanting to refinance an existing mortgage, our mortgage loans and refinancing services provide flexible terms suited to your situation. And if life throws unexpected challenges your way, our personal loans and debt consolidation options can help ease financial stress by consolidating multiple debts into one manageable payment.

Digital & Online Banking

Key Features

Our online banking platform is user-friendly, allowing you to check balances, transfer funds, and pay bills in just a few clicks. Whether you're at home or on the go, you can manage your accounts in real time. Plus, with our mobile application available for download, accessing your financial information has never been simpler. You can also take advantage of our e-statements feature, which provides a convenient way to keep track of your transactions without the clutter of paper statements. If you need to sign documents, our electronic signature authorization makes it quick and hassle-free.

Security and Convenience

Security is a top priority for us at Port City. We employ advanced measures to keep your information safe while you enjoy the convenience of online banking. Additionally, our person-to-person transfer service allows you to send money easily to friends or family without needing cash or checks. And if you're someone who enjoys using mobile payments, we've got exciting plans ahead! While this feature isn't currently available, we're committed to enhancing our services based on member needs. In summary, our digital and online banking services at Port City empower you to take control of your finances with ease and security. Visit us today at https://portcityfcu.com/ and discover how we can help simplify your banking experience!

Financial Strength

Growing Trust

We have built a strong community trust with 5,673 total share accounts, showcasing a growing member base that believes in our mission. Our net shares available for lending and investments stand at $14,659, further reinforcing our capacity to meet your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Port City is your trusted partner. Visit us at 460 W Laketon Ave Muskegon Mi 49441 or call (231) 725-3312 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Your savings are secure with us. We have $5,907,930 in share certificates and $10,338,204 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 shines through with a net income of $0. This enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 6 full-time employees and 1 part-time employees who are dedicated to serving you with knowledgeable assistance whenever you need it.

Reinvestment for Improvement

With $4,617,943 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment is reflected in our lending capacity; we have $349 in used auto loans and $13,688,981 in total loans and leases available to help support your financial goals across various sectors.

Solid Foundation

With a net worth of $7,658,805, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,801 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 $4,650,750 in used vehicle loans and $751,239 in new vehicle loans already helping members get on the road. Whether you're looking for a reliable used car or a brand-new model, we have financing solutions designed for every budget.

Business Financing

For business owners, while we currently do not have outstanding commercial loans available, we are always exploring ways to support local businesses with future lending opportunities. If you're considering refinancing or want to learn more about eligibility options for any of our loan products, don't hesitate to reach out. You can contact us at 231-725-3312 during our operating hours from Monday to Friday, 9:00 a.m. - 5:00 p.m. Our commitment is to provide you with the best financial services possible. 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 look forward to serving you at Port City!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Although we currently do not offer Junior Lien 1-4 Family Residential Properties loans, we're committed to guiding you through alternative financing solutions that fit your situation.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $467,571 in loans helping members manage their finances effectively. This option allows you to cover unexpected expenses without the need for collateral.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing its data 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 to using verified data means that every loan offer displayed on LendMesh comes from legitimate financial institutions, ensuring transparency in your borrowing options.

Key Benefits

- Verified Data: Each loan offer is sourced from recognized lenders, which adds a layer of trustworthiness to your choices. - No Sponsored Listings: Unlike many comparison tools, LendMesh does not prioritize lenders based on paid promotions. The focus is solely on delivering unbiased results for all users. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from various institutions, making it easier to find the best deal suited to their needs. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights how LendMesh can have a significant impact on your financial well-being. Ready to take the next step? 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.

Port City