Team One Credit Union Caro MI | Affordable Auto Loans & Personal Banking

Introduction

At Team One, we believe that financial services should feel personal and accessible. Located at 1130 Cleaver Rd, Caro, MI 48723, our branch has been a trusted partner in the community since 1935. With a commitment to providing exceptional service and support, we proudly serve over 51,480 members, offering a range of products tailored to meet your needs. While you can visit us at our branch for face-to-face assistance, any official correspondence should be directed to our mailing address at 1230 Cleaver Rd, Caro, MI 48723. With total assets exceeding $737 million and total deposits reaching $65,727,957, we are dedicated to ensuring your money works for you. Our CEO, Derrick Barber, along with Board President Rebecca Sanchez, leads a team of 164 employees who are ready to assist you with everything from personal banking to business loans. Our diverse offerings include auto loans and vehicle financing, mortgage loans and refinancing options, credit cards with rewards, and comprehensive online banking services. We understand that life can be unpredictable; that's why we're here to help you navigate your financial journey with confidence. If you're looking for a reliable credit union that puts its members first, look no further than Team One. Give us a call at 989-673-2042 or visit our website at www.teamonecu.org to learn more about how we can support you today!

Branch History & Mission

At Team One, we believe that banking should be more than just a transaction; it should be a relationship built on trust and community. Established in 1935, our Caro branch has proudly served the local community for decades, evolving alongside the needs of our members. From our humble beginnings to becoming a trusted financial partner, our journey is filled with milestones that reflect our commitment to you. Located at 1130 Cleaver Rd in Caro, MI, our branch is easily accessible for all your banking needs. Whether you're stopping by for personal banking services or simply to chat with our friendly staff, we're here to support you. If you need to send official correspondence, please address it to our mailing location at 1230 Cleaver Rd, Caro, MI 48723. With over 51,480 members and total assets reaching $737,787,200, Team One stands strong as a cornerstone of the community. Our mission is clear: we strive to empower individuals and families through exceptional financial services while fostering a sense of belonging and support within our community. We offer a wide array of products including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions all designed with your best interests in mind. We are proud to adapt with the times by embracing digital advancements. Our members enjoy convenient online and mobile banking options along with ATM access available right at your fingertips. For those who prefer face-to-face interaction, we offer drive-thru banking services for quick deposits and withdrawals during our operating hours from Monday to Friday between 9 AM and 5 PM. Team One has always placed significant emphasis on community outreach. We actively engage in partnerships and initiatives that uplift those around us. It's not just about finances; it's about making a difference in the lives of our members and their families. As we look ahead, we invite you to join us on this journey. Experience how Team One can enhance your financial well-being while being part of something bigger a community-driven credit union dedicated to serving you. Visit us today or explore more about membership options at our website. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to Team One's Caro branch, located at 1130 Cleaver Rd, Caro, MI 48723. Our convenient location is just a stone's throw away from local favorites like the Caro Community Center and the Tuscola County Fairgrounds, making it easy for you to stop by while you're out and about. At Team One, we prioritize accessibility for all our members. Our branch is designed with ADA-compliant features, including ramps and spacious parking areas, ensuring that everyone can access our services comfortably. If you need to visit us for banking needs or simply to chat with one of our friendly staff members, you'll find our drive-thru service handy for quick transactions without leaving your vehicle. Our lobby hours are Monday through Friday from 9 AM to 5 PM, allowing you ample time throughout the week to come in and explore the range of services we offer. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans or mortgages, our team is here to help guide you. For those who prefer self-service options, we also have an ATM available on-site for cash withdrawals and balance checks. Plus, if you have any official correspondence, please note that while you can visit us at our branch address, mail should be sent to 1230 Cleaver Rd, Caro, MI 48723. If you have questions or would like more information about our services, don't hesitate to give us a call at 989-673-2042. We look forward to welcoming you into the Team One family!

Member Eligibility

At Team One, we believe that everyone deserves a chance to be part of a community that supports their financial journey. Becoming a member is easy and welcoming! If you live, work, worship, or attend school in the Caro area, or if you have family members who are already members, you're likely eligible to join us. This means you can access a range of services designed just for you, from personal banking options to loans tailored for your needs. For more detailed information about eligibility criteria, feel free to check out our website at http://WWW.TEAMONECU.ORG/about/membership-eligibility. Opening an account with us is straightforward and convenient! You can start the process online by visiting http://WWW.TEAMONECU.ORG/apply-for-a-loan, or if you prefer speaking to someone directly, don't hesitate to give us a call at (989) 673-2042. We're located at 1130 Cleaver Rd Caro Mi 48723, and our team is ready to help you take this exciting step towards better financial health. Join us today and experience the benefits of being a member of Team One!

Business Banking & Commercial Services

Merchant Services That Make Sense

In today's fast-paced world, having efficient payment solutions can set your business apart. Our merchant services help you accept payments easily, whether online or in-store. Imagine reducing checkout times and enhancing customer satisfaction all while keeping your financials organized with our user-friendly tools. Explore how Team One, located at 1130 Cleaver Rd Caro Mi 48723 in Caro, MI, can empower your business to reach new heights. Connect with us today at (989) 673-2042!

Tailored Loan Solutions

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.

Comprehensive List Of Services

Accessibility

Whether you're stopping by during lobby hours from Monday to Friday between 9 AM and 5 PM or utilizing our drive-thru service or ATM access outside of regular hours, we're committed to making banking simple for you. If you're ready to explore all that Team One has to offer or if you have any questions about our services, please reach out at 989-673-2042 or visit us online at teamonecu.org. We look forward to assisting you with all your financial needs!

Business Banking Solutions

For small business owners, we provide essential services such as merchant services and business loans. These tools can help you streamline transactions and grow your business effectively.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why at Team One, we prioritize digital banking features. With our online and mobile banking, you can access your accounts anytime, anywhere. Need cash? Our network of ATMs allows for easy withdrawals and balance checks without unnecessary hassle. Plus, with basic drive-thru banking services available for deposits and withdrawals, we ensure that getting your banking done is quick and straightforward.

Credit Cards and Rewards

Don't forget about our credit cards! Our credit cards with rewards allow you to earn points on purchases you already make. This means more value for your everyday spending!

Personal Banking Services

Starting with personal banking, we offer checking and savings accounts designed for everyday use. Imagine easily managing your finances while enjoying online banking that allows you to check balances and transfer money from the comfort of your home. If you're in the market for a vehicle, our auto loans and vehicle financing options can help you drive away in style without breaking the bank. For those looking to purchase a home or refinance an existing mortgage, our mortgage loans provide competitive rates and personalized service. Additionally, we understand that life can sometimes throw unexpected challenges your way; that's why we offer personal loans and debt consolidation options to help you regain control over your finances.

Digital & Online Banking

Accessibility and Ease-of-Use

We also know that life gets busy, so we've made it easier than ever to sign documents with our electronic signature authorization feature. This means you can complete important transactions from home or while traveling without needing to visit a branch. No matter where you are, managing your finances has never been simpler. Our platform is designed with you in mind providing real-time account updates and empowering you to take control of your financial journey. Explore our digital offerings today by visiting https://www.teamonecu.org/ and experience the convenience of banking at your fingertips with Team One!

Key Features

Our online banking services provide 24/7 access to your accounts, allowing you to check balances, transfer funds, and pay bills with just a few clicks. Whether you're using your computer or mobile device, you can feel confident knowing that your information is protected with advanced security measures. For those on the go, our mobile application offers all the features you need right in the palm of your hand. You can send person-to-person transfers easily and even make mobile payments making transactions quick and hassle-free. If you prefer going paperless, we offer e-statements for easy access to your account statements without clutter.

Financial Strength

Commitment to Reinvestment

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 $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Conclusion

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 1130 Cleaver Rd Caro Mi 48723 or call (989) 673-2042 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.*

Secure Savings Options

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.

Strong Financial Health

With a net worth of $66,825,661, we maintain strong 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.

Supporting Your Financial Goals

With $7,457 in used auto loans and $497,651,552 in total loans and leases, our lending capacity supports members' financial goals across various sectors. 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 commitment to your financial well-being is clear with total share accounts reaching 101,812, showcasing a strong and growing member base that trusts us with their finances.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We've already issued over $100,358,662 in used vehicle loans and $21,125,976 in new vehicle loans, helping our members get on the road with confidence. Whether you're purchasing a new or used vehicle, our financing options are designed to fit your budget.

Business Financing

For business owners looking to grow and expand, our outstanding commercial loans totaling $84,590,362 provide the capital needed for various ventures. We support local businesses by offering tailored financing solutions that can help you take your business to the next level.

Credit Card Loans

Managing everyday expenses? 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. Our credit cards come with rewards and low-interest rates to ensure you get the most value from your spending.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $22,589,627, allowing you to step into your new home with ease. If you're considering refinancing your existing mortgage, we provide competitive rates and terms that can save you money.

Refinancing Options

If you're considering refinancing any existing loans or exploring eligibility options for any of our products, our knowledgeable team is ready to assist you. We work closely with each member to understand their unique situation and find the best possible solutions. At Team One, we pride ourselves on being more than just a lender; we aim to be a partner in your financial journey. For more information on our loan offerings or to explore how we can help you today, please visit us at 1130 Cleaver Rd, Caro MI 48723 or give us a call at 989-673-2042. For performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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Team One