Introduction
Welcome to St. Michaels, your trusted credit union located at 678 School St, Craig, CO 81625. Since our establishment in 1956, we've been dedicated to serving our community with a personal touch and a commitment to financial well-being. With over 189 members, we pride ourselves on being more than just a financial institution; we are a vital part of the Craig community. At St. Michaels, we understand that every member has unique financial needs. That's why we offer a variety of services including personal banking, auto loans, mortgage options, and business financing. Our total assets amount to an impressive $955,350, which reflects our stability and commitment to you. We also maintain a solid net worth of $104,154 and total deposits of $169,566, demonstrating our strength in managing your finances. Our team is small but mighty, consisting of just 1 employee led by CEO Kay Weeldreyer and Board President Martin Schiffbauer. Despite our size, we strive to provide exceptional service tailored to each member's needs. We currently manage 35 loans and leases, ensuring that whether you're buying your first car or starting a new business, we're here to help. While members can visit us at the branch for all their banking needs, official correspondence should be directed to the same address: 678 School St, Craig, CO 81625. If you have any questions or need assistance, don't hesitate to reach out at 970-824-2668. Join us today at St. Michaels Credit Union where your financial future matters!
Branch History & Mission
Welcome to St. Michaels, a credit union with a rich history rooted in community service and financial empowerment. Established in 1956, St. Michaels has been a trusted partner for the residents of Craig, Colorado, for over six decades. Located at 678 School St, Craig, CO 81625, our branch has grown alongside our members, continually adapting to their needs while staying true to our mission. From humble beginnings, St. Michaels has evolved into a vibrant community hub with a total membership of 189 and assets amounting to $955,350. Our commitment to providing personalized financial solutions is reflected in our diverse offerings, including personal banking services such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. We believe in making banking accessible and convenient for everyone. At the heart of our mission is the desire to uplift our community. We understand that financial wellness goes beyond transactions; it encompasses education and support that empowers individuals and families to achieve their goals. Our team is dedicated to fostering relationships built on trust and transparency, ensuring that each member feels valued and heard. While members can visit us at our physical location on School Street, official correspondence should be sent to the same address: 678 School St, Craig, CO 81625. Our operating hours are from 8 AM to 9 AM on weekdays, allowing you to connect with us when it suits you best. In addition to traditional banking services, we are committed to enhancing your experience through various initiatives. Although we currently do not offer ATM services or drive-thru banking options, we are actively exploring ways to improve accessibility for all our members. As we look forward to the future, St. Michaels remains dedicated to community outreach efforts and partnerships that enrich the lives of those we serve. Our goal is not just to provide financial services but also to contribute positively to the local economy and social fabric of Craig. Join us at St. Michaels today! Experience firsthand how we can help you navigate your financial journey while supporting your dreams and aspirations within our community. Together, let's build a brighter tomorrow!
Branch Location & Accessibility
Accessibility and Convenience
Our branch is designed with accessibility in mind, ensuring that all members can easily navigate our space. We offer parking right outside for your convenience, along with ADA-compliant features like ramps to make your visit hassle-free. You can count on us being available during our lobby hours from 8 AM to 9 AM Monday through Friday. If you have questions or need assistance, don't hesitate to give us a call at 970-824-2668.
Services Offered
At St. Michaels, we take pride in offering a wide range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, our team is ready to assist you every step of the way. Although we currently do not have ATM availability or drive-thru service, our staff is dedicated to providing personalized service during your visit. We invite you to come by and explore how we can support your financial journey. Join us at St. Michaels where community meets convenience!
Member Eligibility
Joining St. Michaels is more than just opening an account; it's becoming part of a welcoming community that truly cares about its members. If you're looking to enjoy personalized financial services and support, you're in the right place. To become a member of St. Michaels, you'll need to meet certain eligibility requirements, which include living, working, or worshipping in the Craig area. This means that if you call this community home, you're likely already eligible! You can find all the details about membership criteria. Opening an account at St. Michaels is a simple and straightforward process. We're here to guide you every step of the way. Whether you're interested in checking and savings accounts, auto loans, or other financial products, we have something for everyone. Plus, being part of our credit union gives you access to exclusive benefits and lower fees compared to traditional banks. If you have any questions or want to get started, don't hesitate to give us a call at (970) 824-2668. We're excited to welcome you into our family at St. Michaels, located at 678 School St Craig Co 81625!
Business Banking & Commercial Services
Business Loan Options
Imagine having access to funds that allow you to expand your operations, purchase new equipment, or hire more staff. While we currently don't have specific member or non-member commercial loans available at this moment, we encourage you to reach out and discuss your needs. We're here to help you explore future financing options tailored just for you.
Merchant Services
In today's fast-paced world, payment processing shouldn't hold your business back. Our merchant services provide businesses like yours with the tools needed to accept payments efficiently. Imagine serving customers who prefer paying by card without any hassle. This not only enhances customer satisfaction but also boosts your sales potential. Visit us at 678 School St Craig Co 81625 in Craig, CO or call us at (970) 824-2668 to learn more about how we can assist you in achieving your business goals. Let's work together to turn your vision into reality!
Comprehensive List Of Services
Business Banking Services
For business owners in our community, we offer tailored solutions such as merchant services and business loans to help your business thrive. We know running a business comes with its challenges, and our team is here to support you every step of the way.
Call-to-Action
Ready to explore how St. Michaels can assist you with your financial journey? Visit us at our branch or give us a call today! We're here to help you achieve your financial goals with ease and confidence.
Convenient Banking Features
At St. Michaels, we recognize the importance of convenience in today's fast-paced world. Although we currently do not have ATMs or drive-thru services at our branch located at 678 School St, Craig, CO 81625, we do provide online and mobile banking features that allow you to manage your accounts from anywhere at any time. Check your balances, transfer funds, and pay bills all from the comfort of your home or on the go. If you have questions or need assistance with any of our services, don't hesitate to reach out! You can contact us at 970-824-2668 during our lobby hours from 8 AM to 9 AM Monday through Friday.
Credit Options with Benefits
In today's world, having a reliable credit card can be invaluable. Our credit cards come with rewards that allow you to earn points on your purchases, giving you something back for your everyday spending.
Personal Banking Solutions
For individuals seeking to manage their finances effectively, we offer various personal banking services. You can open checking and savings accounts designed to fit your lifestyle and help you save for the future. If you're considering purchasing a vehicle, our auto loans and vehicle financing options provide competitive rates, making it easier for you to drive away in your dream car. We also understand that home ownership is a significant milestone. That's why St. Michaels offers mortgage loans and refinancing options to help you secure your perfect home or lower your existing mortgage payment. Additionally, if you're facing unexpected expenses or looking to consolidate debt, our personal loans can provide the financial relief you need.
Digital & Online Banking
Secure Transactions Made Easy
Security is paramount in today's digital age. Even though we do not currently provide electronic signature authorization or person-to-person transfer services, rest assured that your information remains safe with us. We are continuously working towards enhancing our services for a better member experience. Whether you're looking to check your balance, review transactions, or stay updated on our latest offerings, St. Michaels is here to support you every step of the way. Our team is dedicated to providing personalized service and ensuring that your banking experience is nothing short of excellent.
Stay Connected and In Control
While we don't have mobile payments or a dedicated mobile application yet, we believe in the importance of real-time account management. Keeping track of your finances should be straightforward, allowing you to focus on what matters most to you.
User-Friendly Online Services
With our online banking platform, you can easily access your accounts anytime, anywhere. Although we currently don't offer traditional online banking features, we're committed to keeping you informed about any updates regarding services like e-statements or mobile applications. For more information on potential offerings.
Financial Strength
At St. Michaels, 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 are committed to providing a safe and reliable banking experience, and our financial strength reflects that commitment. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With a net worth of $104,154, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.90% 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 $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. With $77,942 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 members' financial goals across various sectors with $25 in used auto loans and $541,356 in total loans and leases. Our operational efficiency is reflected in our $2,289, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 0 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts stand strong at 191, showing a robust 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, St. Michaels is your trusted partner. Visit us at 678 School St Craig Co 81625 or call (970) 824-2668 to learn more about how we can help you achieve your financial goals. Loan Offering
Auto Loans
Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $405,720 in used vehicle loans and $55,707 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new vehicle or a reliable used one, our auto loan options can help you drive away with confidence.
Mortgage Loans
Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $0, make buying or refinancing simple. We guide you through each step of the process so you can focus on making your house a home.
Personal and Credit Card Loans
For those looking for quick access to cash, we also offer personal loans and flexible terms on unsecured credit card loans. While currently our total for unsecured credit card loans stands at $0, this option helps members manage their finances effectively without the burden of high-interest rates. If you're interested in refinancing any existing loans or want to explore eligibility options, our team is here to assist you every step of the way. We believe in transparency and will provide you with all the necessary information to make informed decisions. For more details about our loan offerings or to discuss which option may be best for you, please don't hesitate to reach out. You can contact us at (970) 824-2668, or visit us at our branch located at 678 School St Craig Co 81625 in Craig, CO. 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're here to support you in achieving your financial goals with tailored solutions that suit your lifestyle!
Loan Aggregator
How LendMesh Ensures Accurate 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 commitment to accuracy ensures that users receive fair and transparent offers tailored to their needs. LendMesh stands out in several key areas: - Verified Data: All loan offers come from legitimate financial institutions. This sourcing guarantees transparency for users looking for reliable information. - No Sponsored Listings: Unlike some comparison tools, LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results so users can make informed decisions. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates across multiple institutions, ensuring they have the latest information at their fingertips. Thousands of users trust LendMesh for loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" 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.*
