Ukrainian Selfreliance Credit Union Hamtramck MI | Affordable Auto Loans & Business Banking

Introduction

Welcome to Ukrainian Selfreliance Michigan, your trusted financial partner located at 11838 Joseph Campau St, Hamtramck, MI 48212. Established in 1952, we have been dedicated to serving our community for over seven decades. With a strong commitment to our members, we proudly support a growing membership base of 4,355 individuals and families who rely on us for their financial needs. At Ukrainian Selfreliance Michigan, we understand that your financial journey is unique. That's why we offer a range of services designed with you in mind from personal banking options like checking and savings accounts to specialized loans for auto financing and mortgages. Our total assets stand at an impressive $131,132,875, reflecting our solid foundation and ability to serve you effectively. While you can visit us at our branch location, any official correspondence should be directed to the same address: 11838 Joseph Campau, Hamtramck, MI 48212-3049. We are proud to have a team of 16 dedicated employees, led by CEO Khrystyna Ferenchuk and Board President John Dicky, who are committed to providing personalized service and building lasting relationships with our members. Our total deposits amount to $5,699,047, and with a net worth of $17,008,184, we ensure your funds are secure while offering competitive rates on loans and deposits. Whether you're looking for personal loans or business banking solutions, we have you covered with a total loan portfolio of 1,326 loans. As part of our mission to foster financial wellness in the community, we invite you to explore how Ukrainian Selfreliance Michigan can help you achieve your financial goals. Call us today at 313-891-4100 or visit our website at www.usmfcu.org to learn more about our services and start your journey toward financial success!

Branch History & Mission

At Ukrainian Selfreliance Michigan, we take pride in our rich history and our commitment to the community. Since opening our doors in 1952, we've been dedicated to serving the residents of Hamtramck, MI, and beyond. Our branch, located at 11838 Joseph Campau St, has been a cornerstone for financial support, providing essential services to our members for over 70 years. Over the decades, we've grown alongside our community. From humble beginnings, we have expanded our reach and resources significantly. Today, we proudly serve a membership of 4,355 individuals and manage total assets amounting to $131,132,875. This growth is not just a number; it represents our commitment to helping people achieve their financial goals through personal banking options like checking and savings accounts, auto loans, mortgages, and more. Our mission is clear: we strive to empower our members by offering affordable financial solutions while fostering a sense of community. We believe that when one member succeeds, we all succeed. That's why we're deeply involved in local outreach efforts and partnerships that strengthen ties within Hamtramck and surrounding areas. While you can visit us at our branch address for all your banking needs, please note that official correspondence should be sent to our mailing address: 11838 Joseph Campau, Hamtramck, MI 48212-3049. At Ukrainian Selfreliance Michigan, we understand the importance of innovation in banking. Our branch offers modern conveniences such as online banking and mobile payments to ensure your experience with us is as seamless as possible. Although we currently do not provide ATM services or drive-thru banking at this location, we are committed to being accessible during our operating hours: Monday from 9:30 AM to 3:00 PM, Tuesday from 11:30 AM to 5:30 PM, Thursday from 9:30 AM to 3:00 PM, Friday from 11:30 AM to 6:30 PM, and Saturday from 9:00 AM to 1:30 PM. As we move forward into the future, we invite you to join our growing family at Ukrainian Selfreliance Michigan. Experience firsthand how we combine personalized service with robust financial solutions designed just for you. Together, let's build a brighter financial future! If you're ready to become a member or want more information about what we offer, don't hesitate to call us at (313) 891-4100 or visit our website at usmfcu.org.

Branch Location & Accessibility

Welcome to Ukrainian Selfreliance Michigan, conveniently located at 11838 Joseph Campau St in the heart of Hamtramck, MI! Our branch is easily accessible for all members and visitors, making your banking experience as smooth as possible. Whether you're stopping by to open an account, apply for a loan, or simply ask a question, we're here to help. If you need to send any official correspondence, please use our mailing address: 11838 Joseph Campau, Hamtramck, MI 48212-3049. This keeps everything organized and ensures your messages reach us without delay. Situated close to local landmarks, our branch is nestled within a vibrant community that offers plenty of parking options nearby. We prioritize accessibility with features like ramps and ADA compliance, ensuring everyone can visit us comfortably. Our friendly staff is available during convenient hours: Monday and Thursday from 9:30 AM to 3:00 PM, Tuesday from 11:30 AM to 5:30 PM, Friday from 11:30 AM to 6:30 PM, and Saturday from 9:00 AM to 1:30 PM. Feel free to call us at 313-891-4100 if you have any questions or need assistance before your visit! While we currently do not offer ATM services or drive-thru banking, our dedicated team is here inside the branch to provide you with personal service tailored to your needs. Explore our wide range of offerings from checking and savings accounts to auto loans and mortgage refinancing right here in Hamtramck. We invite you to come by and see how Ukrainian Selfreliance Michigan can support your financial goals! Your satisfaction is our priority.

Member Eligibility

At Ukrainian Selfreliance Michigan, we believe that becoming a member is like joining a close-knit family where your financial well-being matters. We welcome individuals who share our values, and if you're part of the Ukrainian community or have family ties to Ukraine, you're already on the right path to membership! Additionally, residents of Hamtramck and surrounding areas can also join us. To get started, simply visit our branch located at 11838 Joseph Campau St Hamtramck Mi 48212 or give us a call at (313) 891-4100. Opening an account is straightforward, ensuring everyone feels included in our supportive environment. For more detailed eligibility requirements, check out our resource page at . We're excited to help you take the first step towards financial empowerment with us! If you're ready to open an account, find all the information you need here: https://usmfcu.symapp.jhahosted.com/.

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine having a reliable partner to help you manage payments and streamline transactions. Our merchant services offer practical solutions that let you focus on what matters most running your business. From easy payment processing to tailored support, we provide everything you need to enhance your operations. Located at 11838 Joseph Campau St Hamtramck Mi 48212 in Hamtramck, MI, our dedicated team is here to guide you through every step of your financial journey. Contact us at (313) 891-4100 to learn more about how we can help your business succeed!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $80 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $11 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $10,907,311, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Anytime Access with Digital Features

In today's fast-paced world, convenience is key. That's why at Ukrainian Selfreliance Michigan, we prioritize digital banking features such as online account access, mobile payments, and person-to-person transactions. Manage your finances from anywhere whether you're at home or on the go.

Financing Your Dreams

If you're considering purchasing a new vehicle or refinancing an existing loan, our auto loans and vehicle financing services can help turn those dreams into reality. We also provide mortgage loans and refinancing options for those looking to buy their first home or make adjustments to their current mortgage. Our team is here to guide you through every step of the process.

Join Us Today!

Our commitment extends beyond just offering financial products; we strive to build lasting relationships with our members in Hamtramck and beyond. If you're ready to explore what we can do for you, don't hesitate to reach out! Call us at 313-891-4100 or visit our website at usmfcu.org to learn more about how we can assist you in achieving your financial goals. Join the family at Ukrainian Selfreliance Michigan today!

Personal Banking Made Easy

We understand that managing personal finances can sometimes feel overwhelming. That's why we offer a variety of personal banking options including checking and savings accounts that help you keep track of your spending and saving habits. Imagine having the ability to easily deposit checks through our online banking and mobile app it's just one way we make banking simpler for you.

Personal Loans for Life’s Unexpected Moments

Life can throw curveballs, and when it does, having access to funds is crucial. Our personal loans and debt consolidation options are designed to support you during those unexpected moments, whether it's covering medical expenses or consolidating debt into one manageable payment.

Reward Yourself with Credit

Our credit cards with rewards offer more than just a means of payment; they allow you to earn rewards on everyday purchases. Use them wisely, and watch your rewards accumulate!

Supporting Local Businesses

For entrepreneurs and local businesses, we provide robust business banking solutions, including merchant services and business loans that help you grow your operations. Our goal is to support the community by ensuring local businesses have the resources they need.

Digital & Online Banking

Accessibility and Security

We prioritize your security with every online interaction. Our digital banking platform uses advanced technology to keep your personal information protected, so you can bank with peace of mind. Whether you're making mobile payments or checking your accounts through our app, rest assured that we've got you covered. With all these features readily available, managing your finances has never been easier or more secure. Join us at Ukrainian Selfreliance Michigan and experience the convenience of modern banking today!

Key Features

Our online banking platform is user-friendly, allowing you to check balances, view transactions, and transfer funds with just a few clicks. Need to send money quickly? Our person-to-person transfer feature makes it easy to send funds to friends or family without any hassle. Plus, if you're on the go, our mobile application ensures that you can manage your finances right from your smartphone. For those who prefer paperless options, we offer e-statements that allow you to receive your account statements electronically. This not only saves trees but also keeps your documents organized and easily accessible. While we do not support electronic signature authorization at this time, our secure system ensures that your information remains safe.

Financial Strength

Continuous Investment in Services

With $16,987,414 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 $46,792,036 in total loans and leases, including 95 used auto loans.

Growing Member Base

We have a strong member base with a total of 8,664 share accounts that trust us with their finances. This growth reflects the confidence our community has placed in Ukrainian Selfreliance Michigan as a reliable financial partner. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Ukrainian Selfreliance Michigan is your trusted partner. Visit us at 11838 Joseph Campau St Hamtramck MI 48212 or call 313-891-4100 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is reflected in our net income of $0, allowing us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 15 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Secured Member Savings

Members' savings are secured through $37,680,371 in share certificates and $2,586,214 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.

Solid Financial Foundation

With a net worth of $17,008,184, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.97% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $1,380,122 in used vehicle loans and $1,625,479 in new vehicle loans already helping members get on the road. We provide flexible terms and easy application processes, making it simpler for you to drive away in the vehicle you desire.

Commercial Loans

For business owners, our outstanding commercial loans totaling $10,907,311 provide the capital needed to grow and expand your business. We understand the unique challenges faced by entrepreneurs and are committed to offering tailored solutions that support your vision.

Credit Lines and Unsecured Credit Cards

In addition to auto and mortgage loans, we also offer credit lines with a total of $24,000,000 available for our members. If you're looking for flexible spending options, our unsecured credit card loans, totaling $930,847, can help you manage your finances effectively while enjoying rewards on your purchases.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing straightforward. We currently have Junior Lien 1-4 Family Residential Properties loans totaling $0, which can help you navigate the path to owning your home. Our team is here to guide you through every step of the mortgage process.

Refinancing Options

If you're considering refinancing any existing loans, we encourage you to reach out to our team. We can discuss eligibility options that may help reduce your payments or improve your loan terms based on current market conditions. To learn more about our loan offerings or to apply, visit us at 11838 Joseph Campau St Hamtramck Mi 48212, Hamtramck, MI 48212 or give us a call at (313) 891-4100. 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 help you take the next step towards financial success!

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Ukrainian Selfreliance Michigan