Team One Credit Union Owosso MI | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Team One, your trusted financial partner in the heart of Owosso, Michigan. Located at 1243 E M 21, we have been proudly serving our community since 1935. With a commitment to fostering financial well-being, our credit union supports over 51,480 members and manages an impressive $737,787,200 in total assets. At Team One, we believe that strong community ties and member-focused service are essential for building trust. Our dedicated team is here to help you navigate your financial journey with personalized solutions tailored just for you. Whether you're looking for auto loans, mortgages, or personal banking services, we've got you covered. If you're sending us a letter or important documents, please use our mailing address: PO Box 672, Owosso, MI 48867. We invite you to explore the various services we offer on our website at www.teamonecu.org. Our easy online banking options make managing your finances convenient and straightforward. Under the leadership of CEO Derrick Barber and Board President Rebecca Sanchez, our team of 164 employees is committed to providing exceptional service. We take pride in maintaining a strong net worth of $66,825,661 and ensuring that your deposits are safe and secure with over $65,727,957 in total deposits. Join us today and experience the difference that comes from being part of a member-owned institution where your needs come first. Feel free to give us a call at 989-723-2243 or visit us during our lobby hours from Monday to Friday, 9 a.m. to 5 p.m. Let's work together to achieve your financial goals!

Branch History & Mission

Community Engagement

We're proud of our partnerships with local organizations that make a difference in people's lives. From educational workshops to outreach programs, we believe in giving back and supporting those in need. Our team is committed to fostering an inclusive environment where everyone feels valued.

Join Us

As we continue our journey together, we invite you to become part of the Team One family. Experience firsthand the benefits of membership from competitive rates on loans to personalized service that puts you first. Together, let's build a brighter future for Owosso and beyond! For more information or to open an account today, call us at (989) 723-2243 or visit our website at Team One.

Our Legacy

Team One started with a simple mission: to provide financial services that empower our community. As we evolved, our commitment to this mission only deepened. We've embraced modern technology while ensuring accessibility for everyone. Our operating hours are convenient Monday through Friday from 9 a.m. to 5 p.m. making it easier for you to manage your finances on your schedule. We also offer ATM access and drive-thru banking for those quick transactions.

Our Mission

At Team One, our mission goes beyond just banking; we strive to uplift our community through financial education and support. Whether you're looking for personal banking options like checking accounts and auto loans or business services such as merchant services and business loans, we've got you covered. Our goal is to help you achieve your financial dreams while building lasting relationships along the way. While members can visit us at 1243 E M 21 Owosso Mi 48867, official correspondence should be sent to PO Box 672, Owosso, MI 48867.

Branch Location & Accessibility

Convenient Access and Amenities

At Team One, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, ensuring everyone can easily access our services. Plus, we offer ample parking for your convenience. If you're in a hurry, take advantage of our drive-thru banking service, where you can handle deposits and withdrawals without ever leaving your car. And if you need cash on the go, our ATM is available right outside the branch.

Join Us Today!

We invite you to stop by Team One today! Whether you're already a member or just curious about what we offer, our team is here to help with any questions you may have. Give us a call at 989-723-2243 or come see us in person we look forward to welcoming you!

Services Tailored Just for You

At Team One, we offer a range of services tailored to meet your needs from personal banking solutions like checking and savings accounts to auto loans and mortgage financing. We also provide business banking services and have options for online and mobile banking to help you manage your finances anytime and anywhere. While members can visit us at 1243 E M 21 Owosso Mi 48867, official correspondence should be sent to PO Box 672, Owosso, MI 48867.

Welcoming Operating Hours

We understand that life can get busy, which is why we're open Monday through Friday from 9 a.m. to 5 p.m. Our hours are designed to fit into your schedule seamlessly, so you can drop by when it's convenient for you. Whether you're looking to open an account, apply for a loan, or simply ask a question about your banking options, our friendly staff is ready to assist you.

Member Eligibility

At Team One, we believe in building a strong community, and becoming a member is your first step toward joining our welcoming family. If you're looking to experience the benefits of personalized banking, you'll be glad to know that eligibility is simple and straightforward. You can become a member if you live, work, worship, or attend school in the areas we serve or if you have an immediate family member who is already part of our credit union. This means that whether you're new to the area or have been here for years, there's a good chance you qualify! Joining us at Team One not only opens the door to various financial services tailored just for you but also provides a sense of belonging and support. To learn more about the specific eligibility requirements, feel free to visit our detailed page at http://WWW.TEAMONECU.ORG/about/membership-eligibility. When you're ready to take the next step and open an account, simply head over to our easy online application at http://WWW.TEAMONECU.ORG/apply-for-a-loan or give us a call at (989) 723-2243. We're excited to welcome you into our community at 1243 E M 21 Owosso Mi 48867!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer comprehensive merchant services tailored to your needs. Imagine having a reliable payment processing solution that allows you to focus on what you do best running your business. Our systems enable quick transactions, secure payments, and easy access to funds, ensuring you can serve your customers efficiently. Visit us at 1243 E M 21 Owosso Mi 48867 in Owosso, MI or give us a call at (989) 723-2243 to learn more about how our business banking and commercial services can help you thrive.

Tailored Lending 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

Business Banking Services

For our local entrepreneurs, we provide comprehensive business banking services, including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we have tailored solutions to support your business journey.

Convenient Access Anytime

In today's fast-paced world, convenience matters. That's why we emphasize the importance of our online and mobile banking services. With options like person-to-person payments, you can send money quickly to friends or family without any hassle. Plus, enjoy secure access to ATMs for cash withdrawals and balance checks at locations near you.

Credit Cards with Benefits

Our credit cards with rewards give you more than just purchasing power; they offer benefits that can enhance your everyday spending. From cashback offers to travel rewards, using our credit card can make each purchase more rewarding.

Drive-Thru & ATM Services

For those who prefer face-to-face interactions but are short on time, our drive-thru banking services make it easy to complete deposits and withdrawals without leaving your vehicle. If you're on the go, our ATMs are equipped for quick cash withdrawals and balance inquiries. We invite you to explore all that Team One has to offer. Our friendly staff is ready to assist you with any questions or concerns. You can reach us at (989) 723-2243 during our lobby hours from Monday through Friday, 9 a.m. - 5 p.m. Ready to take the next step? Visit us today or check out our website at https://www.teamonecu.org/ for more information!

Loans Tailored for You

If you're thinking about purchasing a new car or refinancing your home, our auto loans and vehicle financing options make it simple to get on the road without breaking the bank. We also offer mortgage loans and refinancing solutions that fit your budget and lifestyle. And if life throws unexpected expenses your way, our personal loans and debt consolidation services can help ease financial burdens by combining multiple payments into one manageable loan.

Personal Banking Solutions

Managing your money should be easy and efficient. That's why we provide personal banking options such as checking and savings accounts that help you keep track of your finances effortlessly. Imagine having the ability to set aside funds for future goals while also having access to your cash when you need it most. Our accounts come with online and mobile banking features that allow you to view balances, transfer funds, and pay bills anytime, anywhere.

Digital & Online Banking

Key Features for Your Convenience

Our online platform also allows for e-statements, giving you quick access to your account statements without the hassle of paper clutter. If you're looking to sign documents quickly, our electronic signature authorization feature makes it easy to complete transactions securely from the comfort of your home. For those who prefer using their smartphones, our mobile application offers a user-friendly interface where you can manage your accounts on-the-go. Plus, with mobile payments, making purchases has never been simpler. Just tap and go! Want to send money to friends or family? Our person-to-person transfers feature makes sending cash a breeze no need for cash or checks anymore.

Real-Time Account Management

Managing your finances in real-time is important, and with our digital tools, you can stay updated on all your transactions. With secure access and intuitive navigation, you'll find that taking control of your finances is straightforward and stress-free. At Team One, we are committed to providing you with safe and accessible banking solutions tailored to fit your lifestyle. Join us today and experience how easy banking can be!

Financial Strength

At Team One, 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, which reflects our commitment to serving you with reliability and trustworthiness. 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 $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. 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. 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 lending capacity supports your financial goals across various sectors with $7,457 in used auto loans and $497,651,552 in total loans and leases. Our operational efficiency is reflected in our $0, 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. Net Shares (Funds available for lending and investments): $1,432,973. Total Share and Deposit Accounts: 101,812, 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, Team One is your trusted partner. Visit us at 1243 E M 21 Owosso Mi 48867 or call (989) 723-2243 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. We've already issued $100,358,662 in used vehicle loans and $21,125,976 in new vehicle loans to help our members get on the road with confidence. Whether you're purchasing a brand-new model or a reliable pre-owned vehicle, we have financing options that make sense for you.

Commercial Loans

For business owners seeking capital to grow their operations, our outstanding commercial loans totaling $84,590,362 are here to support your ambitions. We understand the unique challenges faced by businesses and aim to provide tailored solutions that meet your specific needs. At Team One in Owosso (located at 1243 E M 21), we're committed to helping our members thrive financially. You can reach us at 989-723-2243 for any inquiries about our loan offerings or visit us during our lobby hours from Monday through Friday between 9 a.m. and 5 p.m. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how our loan products can work for you today!

Credit Lines and Unsecured Credit Card Loans

For those looking for flexible financial solutions, our credit lines provide ready access to funds when you need them most. With total credit lines available of $132,868,973, you can manage cash flow effectively without the stress of unexpected expenses. Additionally, our unsecured credit card loans amounting to $29,707,307 come with flexible terms that allow you to navigate your finances smoothly.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple and accessible. We offer Junior Lien 1-4 Family Residential Properties loans totaling $22,589,627 to assist you in securing your dream home. If you're considering refinancing an existing mortgage or exploring eligibility options for first-time buyers, we can guide you through every step of the process.

Loan Aggregator

Ensuring 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 approach guarantees that users receive fair and transparent offers tailored to their needs.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that they are looking at accurate information. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means every loan offer is displayed based solely on its merits, not on advertising budgets. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can quickly identify the best options available. 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!" This testament highlights how LendMesh has positively impacted the financial decisions of its users. 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