U.p. State Credit Union Escanaba MI | Low Mortgage Rates & Auto Loans

Introduction

Welcome to U.p. State, your trusted financial partner in the heart of Escanaba, MI. Established in 1955, we have proudly served our community for decades, fostering a strong sense of belonging and support among our 15,365 members. At our branch located at 123 S Lincoln Rd, we offer a range of services designed to meet your personal and business banking needs. While members can visit us at our branch address, official correspondence should be sent to 123 S Lincoln Road, Escanaba, MI 49829-1339. We understand that banking is about more than just numbers it's about relationships and community impact. With total assets of $198,373,208 and deposits reaching $20,837,840, we are committed to maintaining a solid foundation for our members' financial growth. Under the leadership of CEO Raymond Theoret and Board President Howard Haulotte, our dedicated team of 53 employees is here to guide you through every step of your financial journey. Whether you're looking for auto loans (over 9,281 loans granted) or personal banking solutions like checking and savings accounts, U.p. State has the resources and expertise to help you succeed. With a net worth of $22,416,422 and total cash in hand amounting to $3,490,266, we prioritize your financial security while ensuring you receive competitive rates and exceptional service. Our goal is simple: to empower our members with the tools they need to achieve their financial goals. We invite you to explore our services online at upscu.com or give us a call at 906-786-1146 during our convenient lobby hours from Monday to Friday, 8:00 AM to 5:00 PM. Join us today and experience the difference that comes with being part of U.p. State where community meets opportunity!

Branch History & Mission

Community Engagement

U.p. State isn't just about banking; it's about building relationships within the community. We actively engage in outreach efforts and partnerships that foster growth and support local initiatives. Whether it's through educational workshops or sponsoring local events, we aim to contribute positively to Escanaba's vibrant community. With operating hours from Monday to Friday between 8:00 AM and 5:00 PM, we are here for you when you need us most. Plus, with ATM availability and drive-thru banking options at your convenience, we make everyday transactions simple. We invite you to join the U.p. State family today! Experience firsthand how being a member can open doors not just for your finances but also for your community involvement. Let's build a brighter future together visit us or give us a call at 906-786-1146!

Our Mission

The mission of U.p. State is simple yet profound: to provide exceptional financial services while supporting and uplifting our community. We believe that everyone deserves access to quality banking options that empower their financial journey. Our team works diligently to offer a range of services including personal banking accounts, auto loans, mortgages, and business financing all designed with your needs in mind. We are also dedicated to embracing technology and ensuring that our services remain accessible. From online banking capabilities to mobile apps, we strive to make banking easier for you. Additionally, our commitment to ADA compliance ensures that all members of our community can access our services without barriers.

Branch Location & Accessibility

Connect With Us

Whether you have questions about your account or want to learn more about our range of products like personal loans, credit cards with rewards, or business banking solutions our knowledgeable team is just a phone call away at 906-786-1146. We invite you to visit us at U.p. State Credit Union in Escanaba and experience the friendly service that sets us apart from the rest!

Easy Access and Nearby Landmarks

Our location is not only accessible but also surrounded by familiar landmarks that make it easy to find us. Just a short drive from the local park and near popular shopping areas, you can easily stop by while running errands or enjoying a day out. We offer ample parking spaces and ensure that our facilities are ADA compliant, including ramps for easy access.

Operating Hours and Services

At U.p. State Credit Union, we understand that your time is valuable. That's why we're open Monday through Friday from 8:00 AM to 5:00 PM, providing you with plenty of opportunities to visit us during your busy schedule. We also feature drive-thru banking for those quick transactions like deposits or withdrawals, allowing you to manage your finances without leaving your car. For added convenience, we have an ATM available on-site, ensuring you can access cash whenever you need it. If you're a member of one of our partner credit unions, you can take advantage of shared branch services as well!

Member Eligibility

At U.p. State, we believe that everyone deserves a place where they feel valued and supported, and becoming a member is your first step into our welcoming community. If you live, work, or worship in the area, or have family who are members, you're likely eligible to join us. We aim to make membership as accessible as possible because we want you to experience the benefits of our personal banking services, like competitive loan rates and dedicated customer support. For more detailed information on eligibility criteria, feel free to check out our website at http://www.upscu.com/about-us/#become-a-member. Joining is simple! Just stop by our branch located at 123 S Lincoln Rd Escanaba Mi 49829, or give us a call at (906) 786-1146 if you have any questions about the process. We're here to help you every step of the way as you open your account and start enjoying all the advantages of being part of the U.p. State family.

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 $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.

Merchant Services

Imagine a busy Saturday morning at your café. Customers are lined up, eager to pay for their favorite coffee. Our merchant services make transactions smooth and hassle-free, allowing you to focus on what matters most serving your customers. With options tailored for various industries, we help streamline payment processes so you can thrive without the stress of handling payments. Ready to take your business to the next level? Visit us at 123 S Lincoln Rd Escanaba, MI 49829 or call us at 906-786-1146 to learn more about how U.p. State can empower your business journey.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? We provide convenient ATM & Cash Withdrawal Services, ensuring you have access to cash when you need it most. You can also visit us for basic drive-thru banking for quick transactions without stepping inside.

Auto Loans & Vehicle Financing

Looking to purchase a new car? Our Auto Loans & Vehicle Financing options offer competitive rates and flexible terms. Imagine driving off the lot in your dream vehicle while knowing you've secured a loan that fits within your budget.

Business Banking

For entrepreneurs and small business owners, we offer specialized Business Banking services including merchant services and business loans. Whether you need funding to expand your operations or tools to manage transactions efficiently, we're here to support your business growth.

Credit Cards with Rewards

Our Credit Cards with Rewards program offers more than just purchasing power; it rewards you for using your card! Enjoy cash back on everyday purchases and other perks that make spending rewarding.

Mortgage Loans & Refinancing

If you're considering buying a home or refinancing your current mortgage, our Mortgage Loans & Refinancing services can guide you through every step. With personalized assistance and favorable rates, owning your dream home is within reach.

Online & Mobile Banking

With modern banking needs in mind, our Online & Mobile Banking platforms allow you to manage all aspects of your finances from the convenience of your smartphone or computer. Make deposits, pay bills, and transfer money effortlessly it's banking made simple!

Personal Banking

We understand that managing personal finances can be challenging. That's why we provide various Personal Banking options, including checking and savings accounts tailored to help you achieve your goals. Our accounts come with easy online and mobile banking features, making it simple for you to access your funds anytime, anywhere.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses our way. That's where our Personal Loans & Debt Consolidation services come in handy. We can help you consolidate debt into one manageable payment or provide the funds needed for those surprise bills.

Shared Branch Transactions

As part of a network of credit unions, we offer Basic Shared Branch Transactions, allowing members from partner credit unions to perform deposits and withdrawals at our location. This means greater accessibility for all our members! At U.p. State, we strive to create a welcoming environment where financial services are accessible and tailored to meet your unique needs. If you're ready to explore how we can assist you further or if you have questions about any of our services, don't hesitate to reach out! Call us at (906) 786-1146 or visit us at Escanaba Office today!

Digital & Online Banking

E-Statements and Mobile App

Gone are the days of waiting for paper statements in the mail. At U.p. State, we offer e-statements so you can view your account activity online anytime you want. This not only helps you keep track of your finances but also reduces clutter at home. For those who prefer banking on the go, our mobile application makes it simple to manage your accounts right from your smartphone. You can check balances, make payments, and even deposit checks all from the palm of your hand!

Security and Accessibility

Your security is our top priority. While we currently do not support electronic signature authorization, our platform ensures that your personal information remains safe as you navigate through your online banking experience. Our system utilizes advanced security measures to protect your data while offering a straightforward and enjoyable user interface. If you have any questions or need assistance, our friendly team at U.p. State is always here to help. Feel free to reach out via phone at (906) 786-1146 during our lobby hours or visit us in person at our branch located at 123 S Lincoln Rd Escanaba Mi 49829. Experience the ease of digital banking with U.p. State today!

Financial Strength

Commitment to Growth

Our commitment to growth is reflected in our $9,874,157 in undivided earnings, which we reinvest into innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $2,832 in used auto loans and $110,670,572 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

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.

Security for Your Savings

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.

Solid 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. This robust foundation is further highlighted by our net worth ratio of 11.30%, which demonstrates a solid capital base. This ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Member Base

Total Share Accounts: 29,294, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $2,368,113. 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 123 S Lincoln Rd Escanaba Mi 49829 or call (906) 786-1146 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.

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. We provide flexible terms and competitive rates that make financing your vehicle straightforward and affordable.

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 aim to support you through every step of the home-buying process with personalized service and expert advice.

Personal Credit Options

In addition to auto and mortgage loans, we also offer unsecured credit card loans totaling $5,613,938. These flexible terms allow members to manage their finances effectively while enjoying the benefits of rewards programs and easy payment options. For business owners, our outstanding commercial loans totaling $309,667 provide the capital needed to grow and expand. We know how important it is for businesses to have access to funds when they need them most.

Refinancing and Eligibility

If you're considering refinancing any existing loans or want to learn more about eligibility options for our loan products, feel free to reach out. We're here to answer all your questions and guide you through the process. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. For more information or assistance with your loan inquiries, contact us at (906) 786-1146 or visit us at 123 S Lincoln Rd Escanaba Mi 49829. We're committed to helping you find the right loan solution tailored to your needs.

Loan Aggregator

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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 commitment to sourcing ensures that all loan offers are fair and transparent, giving you confidence in your choices.

U.P. STATE CREDIT UNION - Escanaba, MI

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