Service 1 Credit Union Muskegon MI | Affordable Vehicle Loans & ATM Access

Introduction

Welcome to Service 1, your trusted financial partner located at 991 W Broadway Ave, Muskegon, MI 49441. Established in 1940, we have proudly served our community for over eight decades, building a legacy of trust and reliability that resonates with our 22,132 members. At Service 1, we understand that each member's financial journey is unique, and our dedicated team is here to support you every step of the way. As part of our commitment to providing exceptional service, we manage a robust asset base of $199,432,855. This strength enables us to offer a diverse range of financial products tailored to meet your needs whether you're looking for personal banking solutions like checking and savings accounts or seeking assistance with auto loans and mortgages. Our total deposits stand at $15,211,410, reflecting the trust our members place in us. While you can always visit us at our branch location for all your banking needs, please note that official correspondence should be sent to the same address: 991 W Broadway Ave, Muskegon, MI 49441. Our friendly staff is ready to assist you during lobby hours from Monday to Friday just give us a call at 231-759-2500 or stop by anytime. Under the leadership of CEO Kim Bourdo and Board President Lewis Collins, we strive not only for financial excellence but also to make a positive impact in our community. With a total loan portfolio of 12,498 loans and leases under management, we are dedicated to empowering our members through responsible lending practices. At Service 1, your financial well-being is our priority. Join us today and discover how we can help you achieve your financial goals! Visit our website at Service 1 FCU for more information or click here to open an account easily online. Your future starts here!

Branch History & Mission

Commitment to Innovation and Accessibility

In today's fast-paced world, we've embraced digital advancements to enhance your banking experience. Our online and mobile banking services make it easy for members to manage their accounts anytime and anywhere. From electronic statements to mobile payments and person-to-person transfers, we're committed to ensuring that your banking experience is not only convenient but also secure. We take pride in being an accessible financial institution. Our branch offers ADA compliance features and drive-thru banking options for those who prefer convenience without compromising service quality. Additionally, we provide ATM access for quick withdrawals and balance checks.

Community Outreach

Community involvement is at the heart of what we do. Service 1 actively participates in local events and partners with organizations that uplift the Muskegon area. By supporting local businesses and educational initiatives, we help build a stronger community where everyone can thrive. As you explore your financial options, consider joining Service 1. Experience firsthand how we prioritize your needs while making a positive impact on the community around us. Visit us or call us at 231-759-2500 today! Together, let's build a brighter financial future for you and our beloved Muskegon community.

Our Mission

At Service 1, our mission is straightforward yet impactful. We aim to deliver exceptional financial services while supporting the local community through various outreach initiatives. Whether it's offering competitive loans for auto purchases or providing reliable savings accounts, we strive to meet the diverse needs of our members. We believe that by investing in our community's growth and prosperity, we contribute to a brighter future for everyone. While you can always visit us at our branch location in Muskegon, official correspondence should be sent to our mailing address: 991 W Broadway Ave, Muskegon, MI 49441.

Branch Location & Accessibility

Welcome to Service 1, your friendly neighborhood credit union located at 991 W Broadway Ave, Muskegon, MI 49441. We understand that convenience matters, and our branch is perfectly situated to serve you with ease. Just a short drive from local landmarks like the Muskegon Museum of Art and Hackley Park, our location is easily accessible for all your banking needs. While members can visit us at 991 W Broadway Ave, official correspondence should be sent to the same address since it doubles as our mailing address. Our branch features ample parking and is designed with accessibility in mind, ensuring that everyone can visit comfortably. At Service 1, we strive to make your banking experience smooth and enjoyable. Our lobby hours are welcoming Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 5:30 PM and we're eager to assist you with everything from checking and savings accounts to auto loans and credit cards with rewards. For those on the go, we also offer ATM services right here at our branch along with convenient drive-thru banking for quick deposits and withdrawals. Whether you're stopping by for a simple transaction or exploring more complex financial services like mortgage loans and personal loans, we're here to help every step of the way. If you have any questions or need assistance, don't hesitate to give us a call at 231-759-2500. We invite you to come visit us today and discover how Service 1 can support your financial journey!

Member Eligibility

Joining the community at Service 1 is more than just opening an account; it's about becoming part of a supportive family that values your financial well-being. If you're wondering about eligibility, it's pretty straightforward! At Service 1, anyone who lives, works, or attends school in the local area can become a member. This means that whether you're a long-time resident of Muskegon or new to the community, you're welcome here. Plus, by joining us, you gain access to a variety of benefits like competitive loan rates and personalized service tailored to your needs. Ready to take the next step? Opening an account with us is easy! Just visit our website for more details on how to get started: https://forms.joinmycu.com/mop/042/apply . If you have any questions or want to chat about membership, feel free to give us a call at (231) 759-2500. For the most current eligibility criteria, check out our resource page at . We can't wait to welcome you to our Service 1 family at 991 W Broadway Ave Muskegon Mi 49441!

Business Banking & Commercial Services

Practical Merchant Services

Imagine having a partner that simplifies transactions for your customers while keeping your cash flow steady. With our merchant services, you can accept payments easily, whether in-person or online. This means less hassle for you and better service for your clients. Our team is here to help you integrate these solutions seamlessly into your operations. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses right here in Muskegon, MI. Let's work together to turn your vision into reality!

Supporting Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions.

Comprehensive List Of Services

Business Banking

For entrepreneurs, our Business Banking services include essential tools like merchant services and business loans that can help you grow your enterprise. We understand the unique challenges business owners face, and we're here to support you every step of the way.

Convenient Access

To make banking even easier, we provide extensive digital options such as Online & Mobile Banking so that you can check balances, transfer funds, and pay bills right from your smartphone or computer. Our ATM services ensure that cash withdrawal is just a few taps away no matter where you are. With our basic drive-thru banking service, completing deposits or withdrawals has never been more convenient. Plus, enjoy hassle-free access at our ATMs for balance checks and cash withdrawals.

Credit Solutions

We know how important credit is for financial stability, which is why we offer Credit Cards with Rewards. These cards not only provide purchasing power but also reward you for your everyday spending. Imagine earning points every time you fill up your gas tank or shop for groceries!

Get Started Today!

If you're ready to explore all the financial services we offer at Service 1, give us a call at (231) 759-2500 or visit us in person at 991 W Broadway Ave Muskegon Mi 49441. You can also learn more about opening an account by visiting this link. Join us today and experience how we can support your financial journey!

Home Financing

For those considering homeownership or wanting to refinance, look no further than our Mortgage Loans & Refinancing services. Our team is here to guide you through the process and help you secure the best terms available. We also offer Personal Loans & Debt Consolidation, allowing you to consolidate existing debts into one manageable payment with lower interest rates.

Personal Banking

Whether you're looking for a checking account to manage daily expenses or a savings account to help grow your funds, we've got you covered. Our Personal Banking services provide flexible options tailored to fit various lifestyles. If you're planning to buy a new car, our Auto Loans & Vehicle Financing solutions make it simple and straightforward. We offer competitive rates that can help make your dream vehicle a reality.

Digital & Online Banking

Key Services

Our online banking platform, available at https://www.service1fcu.com/ , allows you to view your account balances, pay bills, and transfer funds quickly. Whether you're at home or on the go, you can rely on our 24/7 online banking services to keep your financial matters in check. Need to send money to a friend? With our person-to-person transfer feature, it's fast and straightforward. Plus, if you're looking to go paperless, we offer e-statements for easy tracking of your finances keeping everything organized right in your inbox.

Security and Convenience

Your security is our top priority. Our platform supports electronic signature authorization, so you can sign documents securely without needing to visit a branch. You can also make mobile payments directly from your smartphone, making shopping or dining out more convenient than ever. For those who prefer managing their finances on their mobile devices, our user-friendly mobile application is available for download. This app puts all of our services at your fingertips from checking balances to viewing transaction history all while ensuring that your information remains safe. In short, whether you prefer using a computer or a mobile device, Service 1 offers accessible tools for real-time account management and financial oversight. Experience the freedom and control of digital banking today!

Financial Strength

Commitment to Operational Efficiency

Our commitment to operational efficiency is reflected in our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. Additionally, we take pride in having 53 full-time employees and 11 part-time employees who are always ready to serve you with a knowledgeable, committed team.

Growing Membership Base

We currently have a robust total of 42,842 share accounts, showing a strong and growing member base that trusts us with their finances. Our net shares amount to $9,545,300, indicating funds available for lending and investments. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Service 1 is your trusted partner. Visit us at 991 W Broadway Ave Muskegon Mi 49441 or call (231) 759-2500 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Solutions

Members' savings are secured through $41,574,099 in share certificates and $30,085,537 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 for Your Benefit

With $30,583,326 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 $4,658 in used auto loans and $145,145,955 in total loans and leases.

Strong Financial Health

With a net worth of $32,539,821, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,630 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 $63,042,939 in used vehicle loans and $7,168,324 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates that make financing your vehicle straightforward and affordable.

Credit Lines and Other Loans

In addition to auto and mortgage loans, we provide substantial credit lines totaling $26,903,889, enabling you to cover unexpected expenses or consolidate debt easily. Our diverse range of loan products ensures there's something for everyone at Service 1. For those considering refinancing options or checking eligibility for any of our loan products, feel free to reach out. Our team is ready to assist you every step of the way. If you have questions or need more information about our loan offerings, don't hesitate to contact us at (231) 759-2500. You can also visit us at our branch located at 991 W Broadway Ave Muskegon Mi 49441. 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 today with Service 1!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $8,791,608, make buying or refinancing simple. Whether you're purchasing your first home or refinancing an existing mortgage, our team is here to guide you through the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $6,265,144 in loans helping members manage their finances effectively. These cards are designed to give you access to funds when you need them most while providing rewards that benefit your everyday spending.

Loan Aggregator

Benefits of Using LendMesh

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SERVICE 1 FEDERAL CREDIT UNION - Muskegon, MI