Safe Harbor Credit Union Ludington MI | Affordable Vehicle Loans & Mortgage Refinancing

Introduction

Welcome to Safe Harbor, your trusted financial partner located at 5511 W Us Highway 10, Ludington, MI 49431. Since our establishment in 1952, we have dedicated ourselves to serving our members and the community with integrity and commitment. With a total membership of over 8,745 individuals, we pride ourselves on being more than just a credit union; we are a supportive community hub that understands your financial needs. Our branch is equipped with total assets amounting to $162,164,691 and offers various services tailored to help you achieve your financial goals. From auto loans and mortgages to personal banking solutions, we have the resources to assist you every step of the way. Our members enjoy peace of mind knowing that their deposits, totaling $9,252,768, are held securely with us, backed by a solid net worth of $14,769,033. At Safe Harbor, we believe in building lasting relationships. Our team of 37 employees, led by CEO Adam Johnson and Board President David Kasley, is always ready to provide you with personalized service. Whether you're visiting us in person or accessing our online banking services through our website at safeharborcu.org, we're here for you. While members can visit us at our physical location for all their banking needs, official correspondence should be sent to our mailing address: PO Box 980, Ludington, MI 49431. We invite you to connect with us today! Call us at 231-843-2323 during our operating hours Monday through Thursday from 8:30 AM to 5:00 PM, Friday until 6:00 PM, and Saturday from 8:30 AM to noon to learn more about how we can support your financial journey. Join us at Safe Harbor and experience the difference of community-focused banking!

Branch History & Mission

Community Connections

Our commitment to the community extends beyond just financial transactions. We actively seek partnerships and engage in outreach efforts that uplift local initiatives. Whether it's sponsoring events or collaborating with local organizations, we aim to give back and foster a spirit of togetherness. As we look towards the future, Safe Harbor remains focused on adapting and growing alongside our members' needs while maintaining the core values that define us. Join us on this journey! Experience the benefits of becoming a member of Safe Harbor by visiting us today or checking out more information at our website. Together, let's build a brighter financial future!

Our Mission

At Safe Harbor, our mission goes beyond providing exceptional financial services; we are committed to supporting the community that has supported us for so long. We strive to empower our members through personal banking solutions such as checking and savings accounts, auto loans and vehicle financing, mortgage loans and refinancing options, personal loans and debt consolidation services, as well as rewarding credit cards. We also cater to business needs with merchant services and business loans. We believe that everyone deserves access to quality financial resources. That's why we prioritize ADA compliance and customer-centric initiatives in all our operations. In today's digital world, we offer online and mobile banking services that make managing finances easier than ever.

Branch Location & Accessibility

Accessibility Features

We prioritize accessibility for all our members. Our branch is ADA compliant, featuring ramps and other accommodations to ensure that everyone can access our services comfortably. Parking is available right outside our doors, making it easy for you to visit us without hassle.

Operating Hours

Our friendly team is ready to assist you during convenient hours: Monday through Thursday from 8:30 AM to 5:00 PM, Friday until 6:00 PM, and Saturday from 8:30 AM to noon. We understand that life gets busy, so we aim to be available when you need us most.

Services Offered

At Safe Harbor, we offer a range of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Need cash on the go? Our ATM is available for withdrawals and balance checks whenever you need it. Plus, if you're in a hurry, take advantage of our drive-thru service for quick deposits and withdrawals. With so much to offer right here in Ludington, we invite you to stop by or give us a call at 231-843-2323. Our dedicated staff is eager to help you navigate your financial journey!

Member Eligibility

Joining the Safe Harbor community is like stepping into a welcoming family where your financial well-being is our priority. We believe that everyone deserves the chance to thrive, and becoming a member is simple and straightforward. If you live, work, or attend school in the local area, you are likely eligible to join us! Our members enjoy a range of benefits, including personalized service, competitive rates on loans and savings, and access to valuable financial resources. To explore detailed eligibility criteria, feel free to visit our website at https://www.safeharborcu.org/about-us/become-a-member.html . Ready to take the next step? Opening an account with us at Safe Harbor is easy! Just give us a call at (231) 843-2323, or check out the account opening details here: https://www.safeharborcu.org/loans-credit/mortgage-loan-tools/apply-for-mortgage-loan.html . We're excited to welcome you into our community located at 5511 W Us Highway 10 Ludington Mi 49431, where your financial journey begins!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $73 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $4 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $9,117,075, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine being able to accept payments effortlessly while focusing on what you do best running your business. Our merchant services simplify transactions, allowing you to provide a smooth checkout experience for your customers. From card processing to point-of-sale solutions, we equip you with the tools necessary for success. Located at 5511 W Us Highway 10 Ludington Mi 49431, Ludington, MI MI, we invite you to explore how our business banking and commercial services can help turn your vision into reality. Reach out to us at (231) 843-2323 or visit our website here for more information!

Comprehensive List Of Services

Convenient Access

At Safe Harbor, convenience is key. We offer ATM & Cash Withdrawal Services so you can access your cash without hassle. For those times when you prefer face-to-face interactions, our Basic Drive-Thru Banking allows for quick deposits and withdrawals without leaving your vehicle. Our commitment doesn't stop at traditional banking; we also prioritize digital accessibility. Whether it's via our user-friendly website or mobile app, managing your finances has never been easier.

Get Started Today!

With so many services tailored just for you, why not take the first step toward financial empowerment? Reach out to us at (231) 843-2323 or visit us online at https://www.safeharborcu.org/ to learn more about how we can assist you today! Join our community at Safe Harbor, where we're ready to help you reach your financial goals!

Loans and Credit

Financial flexibility is crucial, especially when life throws unexpected expenses your way. Our Personal Loans & Debt Consolidation services provide a helping hand when you need it most. Plus, with our Credit Cards with Rewards, every purchase brings you closer to exciting benefits. For small business owners, we understand the unique challenges you face. Our Business Banking services include merchant solutions and business loans designed to support your growth and success.

Personal Banking

We understand that managing your personal finances is important. That's why we offer Personal Banking options like checking and savings accounts that help you keep track of your money effortlessly. Imagine having access to your funds anytime through our Online & Mobile Banking platforms. With just a few taps on your phone, you can check balances, make transfers, and pay bills from anywhere. When it comes to buying a car, our Auto Loans & Vehicle Financing make it easy for you to hit the road in style. Picture yourself driving away in your dream vehicle with affordable monthly payments tailored just for you. If homeownership is on your mind, explore our Mortgage Loans & Refinancing options that can help turn that dream into reality.

Digital & Online Banking

Key Features of Our Digital Banking Services

We offer a range of features to enhance your banking experience. For starters, our electronic signature authorization allows you to complete transactions securely without needing to visit a branch. Plus, with e-statements available, you can go green while keeping track of your finances without the clutter of paper statements. If you're looking to send money quickly, our person-to-person transfer feature lets you send funds instantly to friends or family no hassle involved! And for those who prefer banking on their mobile devices, our user-friendly mobile application puts all these services right in your pocket.

Security and User-Friendliness

Your security is a top priority at Safe Harbor. We employ robust measures to protect your information while ensuring our online services remain easy to use. From secure logins to encrypted transactions, you can have peace of mind knowing that your data is safe with us. In addition to accessibility and security, real-time account management means you're always up-to-date with your finances. You'll receive instant notifications about transactions and alerts for any unusual activity. Experience the future of banking today with Safe Harbor's digital and online services convenient, secure, and designed for you!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 20,012, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending stand at $0, emphasizing our dedication to supporting your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Safe Harbor is your trusted partner. Visit us at 5511 W Us Highway 10 Ludington Mi 49431 or call (231) 843-2323 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $51,699,233 in share certificates and $12,304,398 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $9,416,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our commitment to operational efficiency is reflected in our $1,384,709, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 37 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $13,384,324 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 $1,524 in used auto loans and $138,798,724 in total loans and leases.

Strong Financial Health

With a net worth of $14,769,033, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $911 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 $20,981,063 in used vehicle loans and $1,918,412 in new vehicle loans already helping members get on the road. We offer both new and used vehicle financing options tailored to fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $9,117,075 provide the capital needed to grow and expand your business. We believe in supporting local enterprises and have tailored solutions to help you thrive in a competitive market.

Eligibility and More Information

If you're interested in any of these loan products or want to know more about eligibility options for refinancing or applying for a loan, please reach out to us at 231-843-2323. Our team is here to assist you during our operating hours: Monday - Thursday from 8:30 am - 5:00 pm; Friday from 8:30 am - 6:00 pm; and Saturday from 8:30 am - Noon. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let Safe Harbor guide you on your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $29,468,111, make buying or refinancing simple. We also provide refinancing options to help you lower your monthly payments or access cash for other needs.

Unsecured Credit Card Loans

We understand the importance of having flexible financial options. That's why we offer unsecured credit card loans with a total of $1,649,494 in loans helping members manage their finances effectively. Enjoy competitive rates and terms that can suit different lifestyles and spending habits.

Loan Aggregator

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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 compliance guarantees that the offers presented are fair and transparent. Each loan comparison reflects real-time rates from legitimate financial institutions, ensuring users receive verified data every time they search.

SAFE HARBOR CREDIT UNION - Ludington, MI