STRAITS AREA FEDERAL CREDIT UNION

Welcome to Straits Area, your trusted financial partner located at 121 E Central Ave, Mackinaw City, MI 49701. Established in 1951, we have proudly served our community for over seven decades, building lasting relationships with our 12,205 members. At Straits Area, we believe in providing personalized service and quality financial products to help you achieve your goals. With total assets of $122,116,687 and deposits reaching $11,044,139, we are committed to safeguarding your hard-earned money. Our experienced team, led by CEO Cindy Harrison and Board President Harold Borowicz, works diligently to ensure that every member feels valued and supported. We understand that each financial journey is unique, which is why we offer a wide range of services including auto loans, mortgage financing, and personal banking options tailored to meet your needs. While members can visit us at our branch for assistance, any official correspondence should be directed to our mailing address: PO Box 9, Mackinaw City, MI 49701. Whether you're looking to open an account or need advice on managing your finances, we're here for you. Don't hesitate to reach out at (231) 436-4037 or explore more on our website safcu.com. Join us today and experience the Straits Area difference! Your financial well-being is our top priority.

Welcome to Straits Area, a credit union that has proudly served the community of Mackinaw City, MI since 1951. With over seven decades of dedicated service, we have built a rich legacy of trust and financial stability. Our branch, located at 121 E Central Ave, Mackinaw City, MI 49701, stands as a testament to our commitment to providing quality financial services tailored to the needs of our members. From our humble beginnings, we have grown significantly, now boasting a membership of over 12,205 individuals and total assets reaching an impressive $122,116,687. Our mission is simple yet powerful: to provide accessible financial solutions while fostering a sense of community and support. We believe that every member deserves not just banking services but also genuine care and assistance in achieving their financial goals. At Straits Area, we understand that banking isn't just about transactions; it's about building relationships. We offer a range of services including personal banking accounts, auto loans, mortgages, and business loans. Our online and mobile banking options ensure that you can manage your finances conveniently from anywhere. Additionally, our ATM availability and drive-thru banking make it easy for members to access their funds whenever needed. Community involvement is at the heart of what we do. We actively participate in local events and initiatives aimed at uplifting those around us. Our partnerships with local organizations reflect our commitment to giving back and making a real impact in the lives of our members. While you can visit us at 121 E Central Ave, for official correspondence please send mail to PO Box 9, Mackinaw City, MI 49701 if needed. Our operating hours are designed with your convenience in mind: Monday through Friday from 9 AM to 5 PM, and on Saturdays from 9 AM to 12 PM from May to September. We invite you to join the Straits Area family today! Experience firsthand how our member-focused approach can help you achieve your financial dreams. Whether you're looking for loans or simply want reliable banking services, we're here for you every step of the way. For more information or assistance, don't hesitate to call us at 231-436-4037 or visit our website at www.safcu.com. Join us in creating a brighter financial future together!

Welcome to Straits Area, your friendly credit union located at 121 E Central Ave in the heart of Mackinaw City, Michigan! Our branch is designed with your convenience in mind, making it easy for you to access a wide range of banking services. Whether you're stopping by for personal banking needs or seeking information on loans and financing options, our welcoming atmosphere is sure to make you feel right at home. Situated near popular local landmarks, our branch is easy to find and visit. You can enjoy hassle-free parking right outside, ensuring that you can get in and out quickly. For those who may need assistance, we are proud to be ADA compliant, featuring ramps and accessible entrances that cater to everyone. At Straits Area, we understand that your time is valuable. That's why we offer flexible operating hours throughout the week. Join us Monday through Friday from 9 AM to 5 PM, and even on Saturdays from 9 AM to 12 PM during the busy summer months. If you need any assistance while visiting, don't hesitate to reach out to our friendly staff at 231-436-4037; we're here to help! For those looking for quick transactions or withdrawals, you'll be pleased to know that we have an ATM available for your convenience. Additionally, if you prefer drive-thru banking for simple transactions like deposits or withdrawals, we've got you covered there too. While members can visit us at 121 E Central Ave, official correspondence should be sent to PO Box 9, Mackinaw City, MI 49701. We invite you to stop by and discover how Straits Area can support your financial journey. With a variety of services tailored just for you from checking accounts and savings options to auto loans and credit cards with rewards there's something for everyone! We look forward to welcoming you soon!

Becoming a member of Straits Area is like joining a family that genuinely cares about your financial well-being. Located at 121 E Central Ave Mackinaw City Mi 49701, we welcome anyone who lives, works, or attends school in the area, along with their family members. If you're ready to take the next step in your financial journey, it's simple! Just visit our website for more information on eligibility at https://forms.joinmycu.com/mop/146/mop/eligibility . We believe in making banking accessible and friendly, so don't hesitate to reach out if you have any questions give us a call at (231) 436-4037. And when you're ready to open an account, you can easily start the process through our online application here: https://forms.joinmycu.com/mop/146/apply . Join us today and enjoy the benefits of being part of our supportive community!

At Straits Area, 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 proud to share our financial strength with you, showcasing our commitment to providing reliable services. With a net worth of $12,982,788, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,063 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 $18,321,895 in share certificates, 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 $12,024,878 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 $1,609 in used auto loans and $49,652,722 in total loans and leases. Our operational efficiency is reflected in our $900,566, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 30 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. The total number of share accounts stands at 21,078, 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, Straits Area is your trusted partner. Visit us at 121 E Central Ave Mackinaw City Mi 49701 or call (231) 436-4037 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.*