U.p. State Credit Union Cedarville MI | Affordable Auto Loans & Online Banking

Introduction

Welcome to U.p. State, your trusted financial partner since 1955! Located at 507 W M 134, Cedarville, MI 49719, we are proud to serve our vibrant community with personalized banking solutions. Our commitment to members shines through in our robust offerings and community involvement, ensuring that you receive not just services but genuine support. At U.p. State, we believe in building lasting relationships with our members. With a total membership of 15,365 and assets exceeding $198,373,208, we have the strength and resources to meet your financial needs. Whether you're looking for auto loans, mortgages, or personal banking services, we've got you covered with over 9,281 loans and leases already granted. While you can visit us at our Cedarville branch for all your banking needs, please note that official correspondence should be directed to our mailing address: P.O. Box 297, Cedarville, MI 49719. Under the leadership of our CEO Raymond Theoret and Board President Howard Haulotte, we strive to create a welcoming environment for everyone. Our dedicated team of 53 employees is here to help you navigate your financial journey with ease. With a net worth of $22,416,422 and cash in hand totaling $3,490,266, U.p. State stands as a solid choice for anyone seeking reliable financial services. For any questions or assistance, don't hesitate to give us a call at 906-484-3099 or explore more about what we offer on our website: upscu.com. Join us today and experience the difference of being part of a credit union that truly values its members!

Branch History & Mission

At U.P. State, we take pride in our rich history and unwavering commitment to our community. Founded in 1955, our Cedarville Branch has been a cornerstone of financial support for residents of Cedarville, MI, and the surrounding areas. Located at 507 W M 134 Cedarville, MI 49719, we are easily accessible for all your banking needs. Over the years, U.P. State has evolved significantly. From our humble beginnings with just a handful of members, we have grown to serve over 15,000 members today. This growth is not just about numbers; it reflects the trust that our community places in us. With total assets reaching an impressive $198,373,208, we are dedicated to providing top-notch financial services tailored to meet the diverse needs of our members. Our mission is simple yet profound: to empower our members by offering exceptional financial services while fostering a spirit of community support. We believe that banking should not only be about transactions but also about building relationships and contributing positively to the lives of those we serve. Whether you need personal banking services like checking and savings accounts or business loans and merchant services, U.P. State is here to help you thrive. While members can visit us at our branch location, official correspondence should be sent to P.O. Box 297, Cedarville, MI 49719 if different from our physical address. We also prioritize convenience for our members by offering various services such as ATM access and drive-thru banking. In addition to traditional banking options, we embrace modern technology with online and mobile banking solutions designed to make your experience seamless and efficient. Our commitment extends beyond finance; we actively engage in community outreach efforts that strengthen local ties and support those in need. At U.P. State, we understand that our success is intertwined with the well-being of our community. Join us today and experience the benefits of being part of a credit union that truly cares about you and your financial future. Together, let's build a stronger community! For more information or assistance, feel free to reach out at 906-484-3099 or visit us online at upscu.com.

Branch Location & Accessibility

Welcome to the U.p. State Cedarville Branch, where convenience and community come together! Located at 507 W M 134 in beautiful Cedarville, MI, our branch is easily accessible for all your banking needs. Whether you're stopping by after a visit to the nearby Cedarville Lighthouse or heading back from a day of fishing on Lake Huron, you can count on us to be here for you. Our branch offers ample parking, ensuring that your visit is as easy as possible. We take pride in being an accessible location, equipped with features that meet ADA standards, making it comfortable for everyone to bank with us. If you prefer to do your banking from your car, our drive-thru service is available for quick deposits and withdrawals. We're open Monday through Friday from 9:00 AM to 5:00 PM, so you can plan your visit around your schedule. If you have questions or need assistance, don't hesitate to give us a call at 906-484-3099. Our friendly staff is always ready to help! In addition to our full range of personal and business banking services including checking and savings accounts, auto loans, mortgage options, and credit cards we also provide ATM access for cash withdrawals and balance checks. Plus, as part of a shared service center network, we offer basic transactions for members of partner credit unions. While members can visit us at 507 W M 134, official correspondence should be sent to P.O. Box 297, Cedarville, MI 49719. We invite you to drop by and experience the U.p. State difference today!

Member Eligibility

At U.p. State, we believe in creating a community where everyone feels welcome and valued. Joining us as a member is easy! If you live, work, or worship in the Cedarville area, you're already eligible to become part of our family. We're proud to offer a range of services designed to support your financial journey from personal banking to auto loans and more. To learn about the specific eligibility criteria, feel free to visit our detailed page at http://www.upscu.com/about-us/#become-a-member. Opening an account is a straightforward process, and our friendly team is here to help every step of the way. You can reach out to us at (906) 484-3099 if you have any questions or need assistance. We look forward to welcoming you into the U.p. State community at our branch located at 507 W M 134 Cedarville Mi 49719!

Business Banking & Commercial Services

Merchant Services That Make Sense

In addition to loans, we offer essential merchant services that streamline daily operations. Imagine having the ability to accept payments seamlessly from your customers, manage transactions efficiently, and access real-time financial insights all at your fingertips. These services not only enhance customer satisfaction but also contribute to a healthier bottom line. Come visit us at 507 W M 134 Cedarville Mi 49719 in Cedarville, MI, or give us a call at (906) 484-3099. Let's work together to unlock the full potential of your business!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $2 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $309,667, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM and Drive-Thru Services

We also provide essential ATM services for quick cash withdrawals and balance checks, ensuring that you have access to your money when you need it most. Our basic drive-thru banking allows for simple transactions like deposits and withdrawals without leaving your vehicle perfect for those busy days!

Business Banking Made Simple

If you're a business owner, we have tailored services just for you! Our business banking options, including merchant services and business loans, are designed to help your enterprise thrive. We know that managing business cash flow can be challenging; let us assist you in streamlining those processes.

Credit Options Tailored for You

Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation services come into play. We aim to provide solutions that help you regain control over your finances. Plus, don't forget about our credit cards with rewards, which offer great benefits while making everyday purchases more rewarding.

Digital Banking Convenience

In today's fast-paced world, convenience is key. At U.p. State, we offer robust online and mobile banking features allowing you to manage your accounts anytime, anywhere. You can check balances, transfer funds, or even pay bills from the comfort of your home or on the go.

Personal Banking Solutions

We understand that managing your personal finances is important. That's why we offer a variety of personal banking options including checking and savings accounts designed to fit your lifestyle. If you're in the market for a new vehicle, consider our auto loans and vehicle financing options that make it easy for you to get behind the wheel without breaking the bank. For those looking to purchase a home, our mortgage loans and refinancing services can guide you through the process with competitive rates and flexible terms.

Shared Branch Transactions

For members who may need additional access points, we participate in shared branch transactions with partner credit unions. This means you can make deposits and withdrawals at various locations conveniently. In summary, whether you're stepping into personal finance or seeking ways to enhance your business operations, U.p. State is committed to being your trusted partner on this journey. Explore all that we have to offer and discover how we can support your financial goals. Ready to take the next step? Visit us at 507 W M 134 Cedarville Mi 49719 or call us at (906) 484-3099 today!

Digital & Online Banking

Key Services

With our online banking platform, accessible at https://upscu.com/, you can check your account balances, pay bills, and transfer funds anytime, anywhere. Our 24/7 online banking services mean that you have control over your money whenever you need it. No more rushing to the bank before closing hours; everything you need is just a click away! For those who prefer mobile access, our user-friendly mobile application makes banking even simpler. You can make person-to-person transfers effortlessly, ensuring that sending money to friends or family is quick and straightforward. Plus, with e-statements available, keeping track of your financial activity is both easy and eco-friendly.

Security and Accessibility

We prioritize your security, providing a safe environment for all transactions. While we do not offer electronic signature authorization at this time, rest assured that your data is protected through advanced security measures. If you're into mobile payments, our current offerings don't include this feature yet, but our focus remains on enhancing accessibility for all members. With features like mobile application support and person-to-person transfers, you can manage your finances with confidence. In summary, U.p. State combines convenience with security in its digital and online banking services. We are dedicated to making banking easy for you while ensuring that your information remains safe. Explore our offerings today and see how we can help streamline your financial management!

Financial Strength

Member Savings Security

Members' savings are secured through $15,428,873 in share certificates and $13,322,315 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.

Operational Efficiency

Our $819,689 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 49 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Our Financial Health

With a net worth of $22,416,422, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.30% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvesting for Your Benefit

With $9,874,157 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 $2,832 in used auto loans and $110,670,572 in total loans and leases.

Trust Built on Solid Foundations

Net Shares (Funds available for lending and investments): $2,368,113. Total Share and Deposit Accounts: 29,294, 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, U.p. State is your trusted partner. Visit us at 507 W M 134 Cedarville Mi 49719 or call (906) 484-3099 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, with over $39,228,350 in used vehicle loans and $10,421,070 in new vehicle loans already helping members get on the road. Whether you prefer a brand-new model or a reliable used option, we have financing solutions tailored for you.

Business Financing

For business owners, our outstanding commercial loans totaling $309,667 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to invest in existing operations, we're here to support your business goals.

Credit Lines and Unsecured Loans

For those looking for flexibility in managing expenses, we offer substantial credit lines totaling $34,980,000. Additionally, our unsecured credit card loans amounting to $5,613,938 allow members to handle unexpected costs without needing collateral.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $5,502,753, make buying or refinancing simple. We can assist you through every step of the process, ensuring that you find the right mortgage solution for your situation.

Refinancing Options

If you're considering refinancing any existing loans, our team can guide you through eligibility options and help you make informed decisions that best suit your financial situation. At U.p. State, we strive to make borrowing accessible and straightforward. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. No matter what your financial needs may be, our dedicated staff is ready to assist you in finding the right loan product that fits your lifestyle and budget.

Loan Aggregator

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How LendMesh Ensures Accurate Loan Comparisons

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U.P. STATE CREDIT UNION - Cedarville, MI

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