Team One Credit Union Bad Axe MI | Affordable Auto Loans & Checking

Introduction

Welcome to Team One, your trusted financial partner in Bad Axe, MI! Established in 1935, our credit union has been dedicated to supporting the local community for nearly nine decades. Nestled at 499 Brick St, we pride ourselves on offering a wide range of financial services tailored to meet your needs whether you're looking for personal banking, auto loans, or business financing. With over 51,480 members and total assets of $737,787,200, Team One is not just another financial institution; we are a community-focused organization that values relationships. Under the leadership of CEO Derrick Barber and Board President Rebecca Sanchez, our team of 164 employees is committed to providing exceptional service and fostering financial wellness among our members. Our branch is equipped with modern conveniences such as online and mobile banking, ensuring that you can manage your finances anytime, anywhere. We maintain a healthy balance sheet with total deposits of $65,727,957 and a net worth of $66,825,661, reflecting our stability and commitment to your financial future. Plus, we have ample cash in hand $12,296,934 to support your needs. While you can visit us at our Bad Axe location for all your banking needs, please remember that any official correspondence should be sent to the same address: 499 Brick St, Bad Axe, MI 48413. At Team One, we believe in giving back to the community that supports us. Our impact goes beyond numbers; it's about empowering individuals and businesses to achieve their financial goals. Ready to take the next step? Call us today at 989-269-9557 or visit our website at teamonecu.org to learn more about how we can serve you better!

Branch History & Mission

Advancements for You

As technology continues to shape how we bank, Team One remains committed to providing convenient options that fit your lifestyle. Enjoy features like online banking and mobile payments that make managing your finances easier than ever before. We also prioritize accessibility with ADA-compliant services so everyone can benefit from what we offer. Join us at Team One! Experience the difference of being part of a credit union that truly values its members and community. Visit us at our Bad Axe branch or check out our website at teamonecu.org to learn more about membership eligibility or apply for a loan today! Together, let's build a brighter future for all!

Community Impact

We take pride in being more than just a credit union; we are a part of the fabric of Huron County. Through partnerships with local organizations and participation in community events, we strive to give back and uplift those around us. Our drive-thru banking and ATM availability ensure that members can access their funds conveniently while maintaining the personal touch that sets us apart.

Our Mission

At Team One, our mission is simple: to empower our members through exceptional financial services while fostering a strong sense of community. We believe in the importance of putting people first offering everything from checking and savings accounts to auto loans and credit cards with rewards. Our commitment extends beyond just banking; we actively support local events and initiatives that make Bad Axe a better place for everyone.

Branch Location & Accessibility

Welcome to Team One, your friendly financial partner located conveniently at 499 Brick St in Bad Axe, MI. Our branch is nestled in the heart of Huron County, making it easy for you to access all the services we offer. Whether you're stopping by for a quick transaction or need assistance with your banking needs, our location is designed with your convenience in mind. While members can visit us at our branch address, any official correspondence should be sent to the same address: 499 Brick St, Bad Axe, MI 48413. We're situated near local landmarks that make finding us a breeze. Plus, our parking area is ample and accessible, ensuring that you can easily get in and out without any hassle. Our branch is ADA compliant, featuring ramps and other accessibility options to ensure everyone can enjoy our services comfortably. We are proud to offer both drive-thru banking for quick transactions and ATM availability for your cash withdrawal needs. At Team One, we understand that your time is valuable. That's why we're open Monday through Friday from 9 AM to 5 PM, providing you with flexible hours to fit your busy schedule. If you have questions or want to learn more about what we can do for you, don't hesitate to reach out! You can call us at 989-269-9557. We invite you to visit us today and see how we can support your financial journey!

Member Eligibility

At Team One, we believe that joining our community is about more than just banking it's about becoming part of a supportive family. If you're looking to become a member, we welcome individuals who live, work, worship, or attend school in our local area. This means that if you're part of our vibrant community in Bad Axe or surrounding regions, you're likely eligible to join us! To find out all the details about eligibility, feel free to visit our website at http://WWW.TEAMONECU.ORG/about/membership-eligibility for the most up-to-date information. Opening an account with us is simple and straightforward. You can take the first step toward membership by visiting us in person at 499 Brick St Bad Axe Mi 48413 or checking out the online application process at http://WWW.TEAMONECU.ORG/apply-for-a-loan . If you have any questions or need assistance along the way, don't hesitate to give us a call at (989) 269-9557. We're here to help you every step of the way as you embark on this exciting journey with Team One!

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 $240 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $269 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $84,590,362, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services that help streamline payment processes for businesses of all sizes. Picture a retail store owner in Bad Axe who can now accept payments seamlessly whether through credit cards, mobile payments, or online transactions thanks to our tailored merchant solutions. This not only enhances customer satisfaction but also improves cash flow. Whether you're just starting out or looking to grow your established business, Team One is here to provide the financial tools you need. Visit us at 499 Brick St Bad Axe Mi 48413 or call us at (989) 269-9557 to learn how we can assist your business journey!

Comprehensive List Of Services

Credit Cards and Business Solutions

For those who love rewards, our Credit Cards with Rewards program offers points on purchases that can be redeemed for various perks. This way, you not only get what you need but also earn benefits along the way! If you're a business owner, Business Banking services including merchant services and business loans are crafted to help your enterprise thrive. You can focus on growth while we take care of your banking needs.

Digital Banking Convenience

In today's fast-paced world, we recognize how important it is for members to have access to their accounts anytime, anywhere. That's why our Online & Mobile Banking features allow you to manage your finances at your fingertips. Whether it's checking balances, transferring funds, or making payments, everything is just a click away. Additionally, with our ATM & Cash Withdrawal Services available throughout the area, accessing your money has never been easier. Plus, enjoy basic drive-thru banking for quick deposits and withdrawals without leaving your car!

Getting Started

At Team One, we strive to create a welcoming environment where financial empowerment is accessible to everyone. If you're ready to explore how we can assist with your banking needs or if you have any questions about our services, don't hesitate to reach out! Call us at (989) 269-9557, visit us in person at 499 Brick St Bad Axe Mi 48413, or check out more information on our website: Bad Axe. We look forward to helping you achieve your financial goals!

Loans and Financing

When it comes to financing big purchases or consolidating debt, our Auto Loans & Vehicle Financing can help you hit the road without breaking the bank. Whether you're eyeing a new car or need help with a used vehicle, we have competitive rates that fit your budget. Additionally, our Mortgage Loans & Refinancing options are here to assist first-time homebuyers and seasoned homeowners alike, making the process straightforward and stress-free. If you find yourself needing extra funds for personal projects or unexpected expenses, our Personal Loans & Debt Consolidation services can provide the support you need. We understand life happens, and having access to flexible financing options can make all the difference.

Personal Banking

For those looking to manage their finances, we offer Personal Banking options, including checking and savings accounts designed with you in mind. Imagine having a dedicated account for your everyday transactions while also building your savings effortlessly. Whether you want to set up automatic transfers or track your spending through our online platform, we make it easy.

Digital & Online Banking

Easy Access Anytime, Anywhere

Our online banking platform at https://www.teamonecu.org/ provides you with 24/7 access to your accounts. Whether you're at home or on the go, you can check your balances, view transaction history, and pay bills with ease. Plus, our user-friendly interface makes navigation simple for everyone.

Mobile Convenience at Your Fingertips

For those who prefer managing their money on-the-go, our mobile application Yes is perfect for you. It supports mobile payments Yes, making transactions as easy as a few taps on your smartphone. Plus, with person-to-person transfers Yes, sending money to friends or family has never been easier. With all these features combined, banking with Team One means having control over your finances right at your fingertips. Join us today and experience the convenience of modern banking that puts you first!

Secure Transactions Made Simple

Security is a top priority for us. With features like electronic signature authorization available at Yes, you can confidently sign documents without the need for paper. Our commitment to protecting your information means you can focus on what matters most your finances.

Stay Organized with E-Statements

Say goodbye to cluttered mailboxes! We offer e-statements Yes that allow you to view your monthly statements online. This eco-friendly option not only helps you stay organized but also provides instant access to your financial records whenever you need them.

Financial Strength

Earnings & Lending

With $57,572,077 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to lend is evident with $7,457 in used auto loans and $497,651,552 in total loans and leases, supporting our members' financial goals across various sectors.

Member Trust

Total Share Accounts: 101,812, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $1,432,973. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Team One is your trusted partner. Visit us at 499 Brick St Bad Axe Mi 48413 or call (989) 269-9557 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.*

Operational Efficiency

Our $0 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 150 full-time employees and 14 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Our Financial Position

With a net worth of $66,825,661, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $906 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Savings & Deposits

Members' savings are secured through $197,301,793 in share certificates and $94,342,163 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $100,358,662 in used vehicle loans and $21,125,976 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates to ensure you find the right financing for your next vehicle purchase. Plus, if you're considering refinancing your current auto loan, we can assist you with that as well.

Business Loans

For business owners, our outstanding commercial loans totaling $84,590,362 provide the capital needed to grow and expand your business. Whether you need funds for equipment purchases or working capital, our team is here to support your entrepreneurial journey.

Credit Card Loans

Managing day-to-day expenses is easier with our unsecured credit card loans. We also offer flexible terms on unsecured credit card loans, with a total of $29,707,307 in loans helping members manage their finances effectively. This option allows you to make purchases while staying within your budget.

Credit Lines

Our total credit lines amounting to $132,868,973 give you the flexibility to access funds when needed without the hassle of applying for a new loan each time. This product is perfect for those who want quick access to cash for various financial needs. At Team One in Bad Axe, MI (499 Brick St), we are committed to providing personalized service and guidance tailored to your individual situation. If you're interested in learning more about our loan offerings or checking your eligibility for any of these products, feel free to reach out at (989) 269-9557 or visit us online at Team One. 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 us help you take the next step toward achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $22,589,627, make buying or refinancing simple. We guide you through every step of the process so you can focus on what matters most making your house a home.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. LendMesh ensures accurate loan comparisons through a strict sourcing protocol. 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 ), ensuring fair and transparent offers. This focus on reliable data means users can trust the information they receive. One of the key benefits of using LendMesh is the verified data provided. Loan offers are sourced from legitimate financial institutions, guaranteeing transparency. Additionally, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. The goal is to present unbiased results that empower users to make informed decisions. With real-time rate comparisons, users can access up-to-date loan rates from multiple institutions, giving them a comprehensive view of their options. This feature helps individuals find competitive rates quickly, ensuring they don't miss out on better offers. 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!" Such testimonials highlight the effectiveness and reliability of this tool in achieving favorable lending outcomes. 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.*

TEAM ONE CREDIT UNION