Soo Co-op Credit Union Kincheloe MI | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to the Kinross Branch of Soo Co-op, where your financial well-being is our top priority! Located at 4932 W Curtis St, Kincheloe, MI 49788, we have been proudly serving our community since 1958. With a strong commitment to our members, we strive to offer personalized services that help you achieve your financial goals. At Soo Co-op, we are proud to support a vibrant community of over 23,583 members. Our total assets amount to an impressive $281,330,550, demonstrating our stability and reliability in managing your finances. Whether you're looking for personal banking solutions like checking and savings accounts or financing options such as auto loans and mortgages, we've got you covered. Our leadership team is dedicated to providing exceptional service. Under the guidance of our CEO, Lynda Ellis, and Board President, Edwin Cook, we work tirelessly to ensure that each member feels valued and supported. We currently employ 89 talented individuals who are here to assist you with all your banking needs. With total deposits reaching $26,149,773 and a net worth of $37,197,884, you can trust that your money is in safe hands. Our robust offerings include not only loans over 14,062 loans and leases granted but also various account services designed to simplify your banking experience. For any official correspondence, please send it to our mailing address: 4932 W. Curtis, Kincheloe, MI 49788. We invite you to visit us during lobby hours from Monday through Friday from 9:00 AM to 5:00 PM or on Saturday from 10:00 AM to 1:00 PM for drive-thru services only. You can reach us at 906-632-5308 or send a fax to 906-632-6631. Join us today and experience the Soo Co-op difference! Whether you want to open an account or explore loan options, we're here for you every step of the way. Visit our website at soocoop.com for more information on becoming a member or applying for a loan. Together, let's build a brighter financial future!

Branch History & Mission

At Soo Co-op, we take pride in our rich history and the strong ties we have built within the Kincheloe community. Established in 1958, our branch has been a cornerstone for financial services and support for over six decades. Located at 4932 W Curtis St, Kincheloe, MI 49788, we are easily accessible for members and neighbors alike. Our commitment to serving the community has only grown over time, and today we proudly serve a total membership of 23,583. Our mission is straightforward yet impactful: to provide exceptional financial services while supporting the local community. We believe that every member deserves personalized attention and access to resources that empower them financially. Whether it's through offering competitive rates on auto loans, mortgages, or credit cards with rewards, our goal is to help you achieve your financial dreams. In addition to traditional banking services, we understand the importance of adapting to modern needs. That's why we offer online banking and mobile applications to make managing your finances easier than ever. Although we do not currently have ATMs at our branch, our drive-thru service ensures that members can conduct basic transactions efficiently. We also participate in shared service centers, making it easier for members of partner credit unions to access their accounts with us. As part of our dedication to community outreach, Soo Co-op actively engages in partnerships that uplift local initiatives. We strive to create opportunities for all members while remaining compliant with ADA standards to ensure accessibility for everyone. If you're looking for a credit union that values its members and community as much as you do, we invite you to join us at Soo Co-op. Experience firsthand how we can help you navigate your financial journey while being an integral part of the Kincheloe community. For more information or to become a member, visit our website at soocoop.com or give us a call at 906-632-5308. Together, let's build a brighter financial future!

Branch Location & Accessibility

Easy Access and Nearby Landmarks

Our branch is easy to find, nestled near local landmarks that make it familiar and accessible. With ample parking available right outside our doors, you can visit us without any hassle. Plus, our facility is designed with accessibility in mind, featuring ADA-compliant ramps to ensure everyone can enjoy our services comfortably.

Get in Touch

If you have any questions or need assistance, feel free to call us at 906-632-5308. We are always happy to help! While members can visit us at our Kincheloe location for all their banking needs, official correspondence should be sent to the same address. Come see us today your next financial opportunity awaits!

Operating Hours and Services

We are open Monday through Friday from 9:00 am to 5:00 pm, giving you plenty of time during the week to stop by. On Saturdays, we offer drive-thru services from 10:00 am to 1:00 pm for those who prefer a quicker banking experience. Our drive-thru allows for easy deposits and withdrawals without leaving your vehicle. At Soo Co-op, we offer a range of personal banking services including checking and savings accounts, auto loans, mortgage options, and even credit cards with rewards. If you're a member of another credit union, you can also take advantage of our shared service center for basic transactions.

Member Eligibility

Joining the Soo Co-op family at 4932 W Curtis St, Kincheloe, MI 49788, is more than just opening an account; it's about becoming part of a caring community that supports its members every step of the way. To be eligible for membership, you need to meet some simple criteria primarily, you must live, work, worship, or attend school in Chippewa County or any neighboring area. This makes it easy and inclusive for many individuals to join us! You can find more detailed eligibility information by visiting our website at http://www.soocoop.com/become-a-member. Becoming a member at Soo Co-op opens the door to a range of benefits designed to help you thrive financially. From competitive loan rates to personalized service, we're here to ensure your banking experience is positive and rewarding. Ready to take the next step? Opening an account is quick and straightforward; just give us a call at 906-632-5308 or check out our account opening details at http://www.soocoop.com/loanapplication. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Business Loans That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $57 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $2,233,632, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Simplify Transactions

In addition to loans, we offer merchant services that make it easier for you to manage daily transactions. Imagine having a reliable partner that provides payment processing solutions tailored to your business model. This means faster payments, lower fees, and better cash flow management allowing you to focus on what you do best: running your business. Located conveniently at 4932 W Curtis St, Kincheloe, MI 49788, our team is ready to assist you with personalized service and expert advice. Connect with us today at 906-632-5308 or visit our website at Soo Co-op to learn more about how we can support your business journey!

Comprehensive List Of Services

Accessible Transactions

We know that sometimes you just need quick access to cash or want to handle simple transactions without hassle. Our branch features drive-thru banking for deposits and withdrawals during convenient hours. Additionally, if you're a member of partner credit unions, you can enjoy basic shared branch transactions right here at Soo Co-op. Our commitment is to make banking easy and accessible for everyone in the community. With extended hours from Monday through Friday from 9:00 AM to 5:00 PM and Saturday drive-thru services from 10:00 AM to 1:00 PM, we're here when you need us most. If you're interested in learning more about how we can help you achieve your financial dreams or if you'd like assistance with any of our services, please don't hesitate to reach out at (906) 632-5308 or visit us online at Kinross Branch. We're excited to serve you!

Business Banking Services

For local businesses, we offer specialized business banking services including merchant services and business loans. These solutions aim to empower your business by streamlining transactions and providing the capital needed for growth.

Digital Banking Convenience

In today's fast-paced world, managing your finances on-the-go is essential. That's why we provide robust online and mobile banking platforms that allow you to check balances, transfer funds, and pay bills anytime, anywhere. You can also take advantage of our person-to-person payment services for quick and easy transactions with friends or family.

Personal Banking Solutions

We offer a variety of checking and savings accounts designed to help you manage your money effectively. Whether you're saving for a rainy day or planning a big purchase, our accounts are easy to open and maintain. If you're thinking about purchasing a new car, our auto loans provide competitive rates and flexible terms that make financing straightforward. For those considering buying a home, our mortgage loans and refinancing options ensure you have the support needed to navigate this significant investment. In times of need, personal loans can be a great way to consolidate debt or cover unexpected expenses without the stress. To make everyday spending rewarding, consider our credit cards with rewards, offering benefits that fit your lifestyle.

Digital & Online Banking

Key Services

Our online banking service is available 24/7, allowing you to check balances, transfer funds, and pay bills whenever it suits you. Need to send money to a friend? Our person-to-person transfer feature makes it quick and simple. Plus, with our mobile application, you can manage your accounts right from your smartphone perfect for on-the-go banking. For those who prefer paperless options, we offer e-statements that provide a convenient way to keep track of your account history without the clutter of physical paperwork. And while we don't currently support electronic signature authorization or mobile payments, we're always looking for ways to enhance our services to better serve you. Security is a top priority at Soo Co-op. Our online banking platform employs advanced security measures to ensure that your personal information stays safe. You can bank with confidence knowing that your data is protected as you manage your financial transactions. Whether you're at home or out and about in Kincheloe, our digital banking services give you the flexibility and accessibility you need. Experience the ease of managing your finances with Soo Co-op's online solutions today!

Financial Strength

At Soo Co-op, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that in today's ever-changing economy, having a reliable financial partner is essential. With a net worth of $37,197,884, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 13.22% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $49,862,481 in share certificates and $34,398,486 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. With $32,023,766 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 $3,957 in used auto loans and $171,068,664 in total loans and leases. Our $1,162,815 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 64 full-time employees and 25 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $227,972. Total Share and Deposit Accounts: 46,432, showing 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, Soo Co-op is your trusted partner. Visit us at 4932 W Curtis St Kincheloe Mi 49788 or call (906) 632-5308 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. With over $60,106,548 in used vehicle loans and $28,441,407 in new vehicle loans already helping members get on the road, we make financing your next vehicle easy and affordable. We also provide refinancing options for those looking to lower their monthly payments or adjust their loan terms.

Business Loans

For business owners seeking capital for growth and expansion, we provide outstanding commercial loans totaling $2,233,632. These loans are designed to help you take your business to the next level with ease. At Soo Co-op, our commitment goes beyond just providing loans; we strive to empower our members financially. If you're interested in learning more about eligibility requirements or want assistance with your application process, feel free to reach out at 906-632-5308 or visit us online at Soo Co-op. 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 helping you find the right loan solution that fits your unique needs!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $3,565,212, allowing you to secure your dream home without unnecessary stress. Our team is here to guide you through every step of the process.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans. With a total of $6,951,511 in loans available, our credit cards help members manage their finances effectively while enjoying rewards and benefits tailored to your lifestyle.

Loan Aggregator

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Ensuring 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 rigorous sourcing ensures that users receive fair and transparent offers without hidden fees or misleading information.

SOO CO OP CREDIT UNION - Kincheloe, MI

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