U.p. State Credit Union Norway MI | Best Auto Loans & Business Banking

Introduction

Welcome to U.P. State, your trusted financial partner in the heart of Norway, Michigan! Nestled at 601 Us Highway 2, our branch has been serving the community since 1955 with a commitment to providing personalized financial services. With a growing membership of 15,365 and total assets amounting to an impressive $198,373,208, we pride ourselves on fostering strong relationships with our members. At U.P. State, we understand that every dollar counts. Our total deposits stand at $20,837,840, ensuring that we have the resources available to support you whether you are looking for loans or savings options. Speaking of loans, we've facilitated over 9,281 loans and leases, helping countless members achieve their dreams be it buying a new car or financing a home. Our leadership team is dedicated to guiding you on your financial journey. Under the stewardship of CEO Raymond Theoret and Board President Howard Haulotte, we focus on delivering exceptional service while maintaining a solid net worth of $22,416,422 and cash in hand totaling $3,490,266. While members can visit us at our branch location in Norway, official correspondence should be sent to our mailing address at 601 W. US Hwy 2, Norway, MI 49870. Whether you need personal banking solutions like checking and savings accounts or business banking services including merchant services and loans, U.P. State is here for you every step of the way. We also offer online and mobile banking for added convenience because we know life gets busy! Ready to take the next step? Reach out to us at 906-563-8616 or visit our website at upscu.com to learn more about how we can help you reach your financial goals today!

Branch History & Mission

At U.P. State, we take pride in our rich history and commitment to serving the community of Norway, Michigan. Established in 1955, our branch has grown alongside the people we serve, nurturing lasting relationships and providing essential financial services. Over the years, we have evolved from a small credit union into a trusted financial partner with a robust membership of over 15,000 individuals. Located at 601 Us Highway 2, our branch is not just a place for banking; it's a hub for community engagement. Whether you're stopping by to use our drive-thru service or accessing one of our ATMs, you'll find that our doors are always open to welcome you. Our operating hours are convenient too: Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 12:00 PM. Our mission at U.P. State is clear: we aim to provide exceptional financial services while supporting the needs of our community. We offer a range of products including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Our focus extends beyond mere transactions; we strive to empower our members with the tools they need to achieve their financial goals. In addition to traditional banking services, we embrace technology to enhance your experience. With online banking and mobile applications available, managing your finances has never been easier. We ensure that everyone can access our services by adhering to ADA compliance standards. Community outreach is another cornerstone of our mission. We actively engage with local organizations and initiatives that uplift and support those around us. By fostering partnerships and participating in local events, we make it a priority to give back and make a positive impact. While members can visit us at 601 Us Highway 2, official correspondence should be sent to 601 W. US Hwy 2, Norway, MI 49870 if different from the branch address. Join us at U.P. State and discover how being part of a credit union can benefit you personally and financially. Experience the difference that comes from being more than just a member; be part of a community that cares about your success! For more information or to become a member today, call us at 906-563-8616 or visit our website at upscu.com.

Branch Location & Accessibility

Accessibility Features

We are committed to ensuring that everyone can access our services with ease. Our branch features ADA-compliant ramps and parking spaces for individuals with disabilities, so you can feel comfortable visiting us no matter your needs. Plus, with ample parking available, you won't have to worry about finding a spot when you arrive.

Operating Hours

Our lobby hours are designed to accommodate your busy schedule. We are open Monday through Friday from 9:00 AM to 5:00 PM and offer Saturday hours from 9:00 AM to 12:00 PM. This means you can swing by during lunch breaks or on weekends whatever works best for you!

Services Offered

At U.p. State's Norway Branch, we provide a variety of banking services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans, mortgages, credit cards with rewards, and even business banking solutions we have something for everyone. Need cash? Our ATM is available for quick withdrawals and balance checks. Additionally, we feature drive-thru banking for simple transactions without leaving your car. If you're a member of another participating credit union, you'll also benefit from our shared service center availability. This allows you to handle deposits and withdrawals conveniently. Feel free to reach out at 906-563-8616 if you have any questions or need assistance before your visit. We look forward to welcoming you at U.p. State's Norway Branch!

Member Eligibility

At U.p. State, we believe that becoming a member is like joining a family where your financial well-being comes first. If you live, work, or worship in the area around our branch at 601 Us Highway 2 Norway Mi 49870, you're likely eligible to join us! We welcome individuals from various backgrounds and walks of life, making it easy for you to take advantage of our personalized services and community-focused offerings. For more detailed eligibility information, feel free to check out our website at http://www.upscu.com/about-us/#become-a-member. Joining is simple! Once you confirm your eligibility, opening an account is just a step away. You can reach out to us at (906) 563-8616 for any questions or visit us during our operating hours to get started on your journey with U.p. State. We're excited to help you make the most of your financial future!

Business Banking & Commercial Services

Loan Options for Every Business

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 that Make Transactions Easy

In addition to our loan offerings, we provide comprehensive merchant services that simplify payment processing for your business. Whether you run a retail shop or a service-based company, our solutions help you accept payments seamlessly. Think about the convenience of quick transactions that enhance customer satisfaction and streamline your operations. Located at 601 Us Highway 2 Norway Mi 49870 in Norway, MI, our team is ready to assist you. Call us at (906) 563-8616 to learn more about how we can support your business journey!

Comprehensive List Of Services

Convenient Digital Banking

We know how busy life can get, so we provide robust online and mobile banking features. With easy access to your accounts from anywhere, you can manage your finances on the go. Need cash? Our ATM services allow for quick withdrawals and balance checks without any hassle.

In-Person Services

For those who prefer face-to-face interaction, our branch also offers basic drive-thru banking for deposits, withdrawals, and simple transactions. Additionally, if you're a member of a partner credit union, take advantage of our shared branch transactions for easy deposits and withdrawals. At U.p. State, we believe that everyone deserves access to quality financial services that are both reliable and accessible. Our friendly staff is always ready to help answer any questions you may have about our offerings. If you're interested in exploring any of these services further or if you'd like to become a member, feel free to reach out at (906) 563-8616 or visit us online at Norway Branch. We look forward to assisting you with all your banking needs!

Loans and Credit Options

Life can throw unexpected expenses your way, which is why we offer personal loans and debt consolidation solutions. Our credit cards come with rewards that can benefit you on your everyday purchases. For small business owners, our business banking services include merchant services and business loans, giving you the support needed to thrive.

Personal Banking

Whether you're just starting out or looking to expand your financial portfolio, our personal banking options have you covered. From checking and savings accounts that help you manage everyday expenses, to auto loans and vehicle financing for when you're ready to hit the road, we are here for you. If homeownership is your goal, consider our mortgage loans and refinancing options, which can make owning a home more achievable.

Digital & Online Banking

Key Services

Our online banking platform lets you check your balance, pay bills, and transfer money between accounts with just a few clicks. Need to send money to a friend? Our person-to-person transfer feature makes it simple and fast. Plus, if you're someone who prefers to keep track of statements digitally, you'll be pleased to know that e-statements are available for your accounts. This means you can view your financial records securely without the hassle of paper statements.

Mobile Banking Made Easy

For those on the go, our mobile application is here to help. Whether you're shopping or simply out and about, manage your accounts directly from your smartphone. Although mobile payments aren't currently offered, our app ensures that all your banking needs are covered right in the palm of your hand.

Security You Can Trust

Your security is our top priority. We take measures to ensure that all transactions are safe and encrypted. While we don't offer electronic signature authorization yet, rest assured that every step of our online banking process is designed with protection in mind. With the ease of managing your finances through U.p. State, you can enjoy real-time account management from wherever life takes you. Join us today and experience banking made simple!

Financial Strength

At U.p. State, 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 pride ourselves on our strong financial foundation, which allows us to serve you better every day. 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. 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. 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 your financial goals across various sectors with $2,832 in used auto loans and $110,670,572 in total loans and leases. Our operational efficiency shines through with a net income of $819,689, 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. 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 601 Us Highway 2 Norway Mi 49870 or call (906) 563-8616 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. We have already issued over $39,228,350 in used vehicle loans and $10,421,070 in new vehicle loans, helping members get on the road with confidence. Whether you're interested in financing a brand-new model or a reliable used vehicle, we can assist you every step of the way.

Business Financing

For business owners, our outstanding commercial loans totaling $309,667 provide the capital needed to grow and expand your operations. We're committed to supporting local businesses through tailored financing solutions. At U.p. State, we're not just about offering loans; we're about building lasting relationships with our members. If you're considering refinancing or want to learn more about eligibility options for any of our loan products, don't hesitate to reach out! You can contact us at 906-563-8616 for personalized assistance. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your financial journey starts here!

Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $5,613,938 in loans available, our credit card options help members manage their finances effectively while enjoying rewards for their spending.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $5,502,753, making buying or refinancing simple. We strive to provide competitive rates and flexible terms so that you can make informed decisions regarding your property investments.

Loan Aggregator

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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 ensures that users receive fair and transparent offers when comparing loan options. Each listing is carefully verified to maintain the highest standards of accuracy.

U.P. STATE CREDIT UNION - Norway, MI

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