Rock Community Credit Union Rock MI | Affordable Auto Loans & Business Banking

Introduction

Welcome to Rock Community Federal Credit Union, your trusted financial partner in Rock, MI! Established in 1972, we have proudly served our community for over 50 years, building a reputation for reliability and member-focused service. At our branch located at 3975 W Maple Ridge 37Th Rd, Rock, MI 49880, we are dedicated to empowering our members with personalized banking solutions tailored to their unique needs. With a total membership of 861 and assets exceeding $8.5 million, we strive to foster a supportive environment where every member feels valued. Our CEO, Marla Moore, along with Board President Wm. Craig Westlund, leads a dedicated team of 4 employees who are committed to providing exceptional service. Our range of offerings includes personal banking services such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. We also support local businesses with merchant services and business loans. As part of our commitment to innovation, we offer online and mobile banking options that make managing your finances easier than ever. While members can visit us at our branch address for all their banking needs, official correspondence should be directed to our mailing address at P.O. Box 200, Rock, MI 49880. With total deposits of $1,979,411 and a net worth of $688,621, you can trust that your money is safe with us. We prioritize transparency and accountability in everything we do. Whether you're looking to finance a new vehicle or open a savings account, we're here to help you achieve your financial goals. Ready to experience the difference? Call us today at 906-356-6877 or visit our website at rockcommfcu.com for more information. Let's build a brighter financial future together!

Branch History & Mission

Rock Community Federal Credit Union has a proud history that dates back to 1972. Founded with the mission to provide accessible and affordable financial services, we have consistently evolved to meet the needs of our community in Rock, MI. Over the years, we have grown from a small credit union into a trusted financial partner for over 861 members, managing total assets of approximately $8.5 million. Located at 3975 W Maple Ridge 37Th Rd, Rock, MI 49880, our branch is nestled in a vibrant area that reflects the spirit of our community. We invite you to visit us during our operating hours: Monday through Friday from 8:00 a.m. to 5:00 p.m., and Saturday from 8:00 a.m. to 12:00 p.m. While members can visit us at this address, official correspondence should be sent to P.O. Box 200, Rock, MI 49880. At Rock Community, our mission is simple yet impactful: we strive to empower our members by offering personal banking services that cater to their unique needs. From checking and savings accounts to auto loans and mortgage refinancing, we aim to support not just individual financial growth but also the economic well-being of our entire community. As we look back on our journey, it's clear that service and commitment are at the heart of everything we do. We are dedicated to ensuring ADA compliance and continuously enhancing customer experiences through digital advancements like online banking and person-to-person payment services. Our outreach doesn't stop at transactions; we actively seek partnerships within the community to uplift those around us. By participating in local events and supporting initiatives that benefit residents, we reinforce our belief in giving back and building stronger ties with those we serve. We invite you to join Rock Community Federal Credit Union be part of a legacy built on trust, support, and shared success. Experience how together we can achieve more than just financial goals; let's grow a thriving community where everyone has the opportunity to flourish. For more information or inquiries, feel free to call us at (906) 356-6877 or visit us online at rockcommfcu.com.

Branch Location & Accessibility

Convenient Access

Our location is designed with accessibility in mind. Whether you're driving or walking, you'll find ample parking right outside the branch. We ensure that everyone can comfortably access our services, with ADA-compliant features like ramps and spacious entryways.

Get In Touch!

If you have questions or need assistance, don't hesitate to reach out! You can call us at 906-356-6877. Our friendly staff is always ready to help you with your financial journey. Come visit us today and discover how Rock Community Federal Credit Union can make banking easier for you!

Operating Hours & Services

At Rock Community FCU, we value your time! Our lobby is open Monday through Friday from 8:00 a.m. to 5:00 p.m., and we welcome you on Saturdays from 8:00 a.m. to 12:00 p.m. We offer a variety of services tailored to meet your personal and business banking needs, including checking and savings accounts, auto loans, mortgage options, personal loans, and more. While members can visit us at our branch for all their banking needs, any official correspondence should be sent to our mailing address at P.O. Box 200, Rock, MI 49880.

Member Eligibility

At Rock Community, we believe that everyone deserves the chance to join a warm and welcoming community where your financial well-being is our priority. Becoming a member is simple and open to anyone who lives, works, worships, or attends school in our area. If you have a family member who's already a member, you're also eligible to join! We invite you to experience the benefits of being part of Rock Community, where you can access personalized services tailored just for you. To get started, visit us at our branch located at 3975 W Maple Ridge 37Th Rd Rock Mi 49880 or give us a call at (906) 356-6877. We're here to help you navigate the account opening process with ease. For more detailed information on eligibility requirements. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Merchant Services Made Simple

In addition to loans, we offer merchant services that make everyday transactions easier for your business. Imagine having a reliable system for processing payments whether in-store or online that enhances customer experience and streamlines your operations. This practical approach allows you to focus on what really matters: growing your business. If you're looking for personalized support and dedicated service, visit us at our branch located at 3975 W Maple Ridge 37Th Rd Rock Mi 49880 in Rock, MI. Let's work together to build a thriving community one business at a time! For more information, feel free to call us at (906) 356-6877.

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. Although we currently have no member or non-member commercial loans on the books, we're excited to help future entrepreneurs access the funds they need. Our goal is to provide flexible financing solutions that empower local businesses in Rock, MI.

Comprehensive List Of Services

Business Banking Services

For our business members, we offer comprehensive Business Banking services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we have tools designed to support your business's growth.

Digital and Convenient Banking

In today's fast-paced world, convenience is key. With our Online & Mobile Banking, managing your finances has never been easier. Access your accounts anytime, anywhere whether you're checking balances or transferring funds on-the-go. Plus, enjoy features like person-to-person payments that make sending money to friends or family a breeze. While we currently do not have ATM services or drive-thru options available, our friendly staff at Rock Community are just a phone call away at (906) 356-6877 during our operating hours: Monday through Friday from 8:00 AM to 5:00 PM and Saturday from 8:00 AM to 12:00 PM. At Rock Community Federal Credit Union, we're here to provide the support and resources you need for all aspects of your financial journey. Come visit us today and discover how we can help turn your financial dreams into reality!

Financial Support When You Need It

Sometimes life throws unexpected challenges your way. Our Personal Loans & Debt Consolidation options can help ease financial stress by offering quick access to funds when needed most. And if you're interested in building credit while earning rewards, check out our Credit Cards with Rewards a smart choice for everyday purchases.

Personal Banking Solutions

We understand that everyone has different financial needs. That's why we offer Personal Banking options like checking and savings accounts tailored to fit your lifestyle. Whether you're saving for a dream vacation or managing daily expenses, our accounts come with features that make it easy for you to keep track of your finances. If you're thinking about purchasing a new car, explore our Auto Loans & Vehicle Financing. We provide competitive rates and flexible terms, making it simple for you to drive away in the vehicle you want without breaking the bank. For those looking at home ownership, our Mortgage Loans & Refinancing services can guide you through the process, helping you find the best fit for your budget.

Digital & Online Banking

Key Features

Our online banking platform provides you with real-time account management, allowing you to check your balances, pay bills, and transfer funds quickly. Need to send money to a friend? Our person-to-person transfer feature makes it simple and secure. You can easily send funds using just an email address or phone number no need for cash or checks! For those who prefer paperless solutions, we offer e-statements that keep your financial documents organized and accessible. This way, you can track your spending without the clutter of physical paperwork.

Security and Accessibility

Your security is our priority. While we do not currently offer electronic signature authorization, rest assured that our online banking system uses robust security measures to protect your information. We strive to provide a user-friendly experience that allows you to manage your finances with confidence. Although we don't have a mobile application or mobile payments at this time, our online banking platform is fully responsive, ensuring that you can easily navigate it on any device. With everything you need right at your fingertips, keeping track of your finances has never been more straightforward. In summary, whether you're checking account balances or making transfers from the comfort of your home, Rock Community is here to support all your digital banking needs. Visit us today at https://www.rockcommfcu.com/ to explore how our services can simplify your financial life!

Financial Strength

Growing Membership

Total Share and Deposit Accounts stand at 1,439, 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, Rock Community is your trusted partner. Visit us at 3975 W Maple Ridge 37Th Rd Rock Mi 49880 or call (906) 356-6877 to learn more about how we can help you achieve your financial goals.

Investment in Innovation

With $688,621 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 with $102 in used auto loans and $2,704,592 in total loans and leases.

Member-Focused Savings

Members' savings are secured through $0 in share certificates and $0 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 $13,765 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 1 full-time employees and 3 part-time employees. This ensures our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $688,621, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 8.10% 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 $1,459,802 in used vehicle loans and $736,147 in new vehicle loans already helping members get on the road. We provide flexible terms that fit your budget, making it easier for you to drive away with the vehicle you want.

Credit Lines

For those looking for additional flexibility, our total credit lines amount to $200,000. This can be a great option if you need quick access to cash or want to finance multiple expenses without taking out separate loans.

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $0, make buying or refinancing simple. While we currently do not offer junior lien mortgages, we're happy to discuss other financing options that might work for you.

Refinancing and Eligibility

If you're considering refinancing existing loans or checking eligibility for any of our products, our team is here to help. We can guide you through the application process and help you explore all available options tailored to your needs. Our services extend beyond just lending; we prioritize building lasting relationships with our members. If you're interested in any of our loan offerings or have questions about how they can fit into your financial plans, don't hesitate to reach out. You can contact us at (906) 356-6877 or visit us at our branch located at 3975 W Maple Ridge 37Th Rd Rock Mi 49880. We're here Monday through Friday from 8:00 a.m. to 5:00 p.m., and Saturday from 8:00 a.m. to 12:00 p.m. For more information on all of our loan offerings and how they can benefit you, please visit our website at Rock Community. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. Our credit cards come with competitive rates and are designed to give you the purchasing power you need while keeping your budget in check.

Loan Aggregator

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ROCK COMMUNITY FEDERAL CREDIT UNION - Rock, MI

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