U.p. State Credit Union Saint Ignace MI | Affordable Vehicle Loans & ATM Services

Introduction

Welcome to U.P. State, your trusted partner in financial wellness located at W366 US Highway 2 W, Saint Ignace, MI 49781. Since our establishment in 1955, we have proudly served our community with dedication and care, growing alongside our members. With a total membership of 15,365 and assets exceeding $198,373,208, we are committed to providing exceptional financial solutions tailored to your needs. At U.P. State, we believe in the power of community. Our leadership team, including CEO Raymond Theoret and Board President Howard Haulotte, is focused on fostering a welcoming environment where every member feels valued. With our dedicated staff of 53 employees, we're here to assist you in achieving your financial goals. Our services include personal banking options such as checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. We also offer convenient online and mobile banking services to help you manage your finances effortlessly. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to W366 US Highway 2 W, Saint Ignace, MI 49781-9614. We invite you to explore how U.P. State can help you thrive financially. Feel free to give us a call at 906-643-8138 or visit our website at upscu.com for more information. Join us in building a brighter future together!

Branch History & Mission

Community Engagement

We understand that financial literacy and support go hand-in-hand with community well-being. That's why we actively participate in events and initiatives designed to educate and empower our members. From workshops on budgeting to resources for small businesses, U.p. State aims to equip everyone with the tools they need for success. While members can visit us at W366 Us Highway 2 W Saint Ignace Mi 49781, official correspondence should be sent to W366 US Highway 2 W, Saint Ignace, MI 49781-9614 for your convenience. With operating hours from Monday through Friday, 8:00 AM to 5:00 PM, we're always ready to assist you with your banking needs whether it's through our drive-thru service or modern online banking options. As we continue this journey together, we invite you to join U.p. State Credit Union family. Experience firsthand how we can help you achieve your financial goals while being part of a vibrant community committed to making a difference. Connect with us today by calling (906) 643-8138 or visiting our website for more information on becoming a member!

Our Mission

Our mission at U.p. State is simple yet profound: we strive to enhance the lives of our members by providing exceptional financial services while fostering a sense of belonging within the community. We believe that banking should be more than just transactions; it should create meaningful connections and opportunities for everyone involved. Whether it's through personal banking services like checking and savings accounts or offering auto loans and mortgages, we are here to support you every step of the way. U.p. State is not just about numbers; it's about people our members are at the heart of everything we do. We take pride in offering personalized service that meets the unique needs of each individual or business we serve. This dedication to our community is evident in our various outreach programs and partnerships aimed at uplifting those around us.

Branch Location & Accessibility

Accessibility and Features

Our branch is designed with convenience in mind. We offer ample parking right outside our doors, making it simple for you to pop in during your busy day. For those who may need assistance, our facility is ADA compliant, featuring ramps and accessible entrances to ensure everyone can easily visit us. While members can visit us at W366 Us Highway 2 W, official correspondence should be sent to our mailing address: W366 US Highway 2 W, Saint Ignace, MI 49781-9614.

Operating Hours and Services

We understand that your time is valuable. That's why we are open Monday through Friday from 8:00 AM to 5:00 PM, giving you plenty of opportunities to stop by. In addition to our welcoming lobby service, we also provide a convenient drive-thru banking option for quick deposits and withdrawals without leaving your vehicle. Plus, with ATM availability on-site, accessing your funds is easier than ever! At U.P. State Credit Union, we pride ourselves on offering a range of services tailored to meet your financial needs from checking and savings accounts to auto loans and mortgage options. Our shared service center makes it even easier for members of partner credit unions to take advantage of our facilities.

Your Local Financial Partner

If you have any questions or need assistance with your banking needs, don't hesitate to give us a call at 906-643-8138. We look forward to welcoming you at the U.P. State Credit Union! Whether you're a long-time member or considering joining our community, we're excited to help you on your financial journey. Come visit us today!

Member Eligibility

Joining the U.p. State community is more than just opening an account; it's about becoming part of a supportive family that truly cares about your financial well-being. To become a member of U.p. State, you simply need to meet a few friendly eligibility criteria. Whether you're a resident of Michigan, work in the state, or have family ties to our community, we warmly welcome you! You can find all the specific details on how to qualify at this link. Once you're ready to join us, the process is smooth and straightforward. Our team at our branch located at W366 Us Highway 2 W, Saint Ignace, MI 49781, is here to assist you every step of the way. If you have any questions or need guidance, don't hesitate to give us a call at 906-643-8138. We're excited to help you take this important step towards better banking!

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 being able to accept payments quickly and easily, allowing you to focus on what really matters: running your business. Our merchant services offer seamless payment processing solutions tailored to your needs, whether you operate a small shop or a larger enterprise. By simplifying transactions, we help you enhance customer satisfaction and improve cash flow. Located at W366 Us Highway 2 W Saint Ignace Mi 49781 in Saint Ignace, MI, our team is ready to assist you with personalized service that makes banking straightforward. Give us a call at (906) 643-8138 or visit us today to discover how we can help your business thrive!

Comprehensive List Of Services

Business Banking Made Easy

For small business owners, U.p. State offers tailored business banking solutions, including merchant services and business loans that help your company thrive. We know how important it is for businesses to have reliable financial support, so we're dedicated to helping you achieve your goals.

Convenient Digital Banking

In today's fast-paced world, convenience matters. That's why we've invested in online and mobile banking features that let you manage your accounts from anywhere. With easy access to ATM and cash withdrawal services, along with person-to-person payment options, handling your finances has never been simpler.

Drive-Thru & Shared Services

For quick transactions, take advantage of our basic drive-thru banking service for deposits, withdrawals, and simple transactions. Additionally, if you're a member of another partnering credit union, you can also benefit from shared branch transactions right here at U.p. State.

Financial Support When You Need It

Life can throw unexpected challenges your way, but with our personal loans and debt consolidation services, you can take control of your finances again. If you prefer using credit for everyday purchases, our credit cards come with rewards that allow you to earn while you spend.

Let's Connect!

We invite you to visit us at W366 Us Highway 2 W Saint Ignace Mi 49781 or give us a call at (906) 643-8138 during our operating hours from Monday through Friday between 8:00 AM and 5:00 PM. Our friendly team is ready to assist you with any questions about our services or how we can help meet your financial goals. Explore more about us online at St. Ignace Branch. Let's start building a brighter financial future together!

Personal Banking Solutions

We understand that managing your money can be challenging, which is why we offer personal banking options like checking and savings accounts designed with you in mind. If you're planning to buy a car, our auto loans and vehicle financing solutions can make your dream ride a reality without putting a strain on your budget. For those looking to purchase a home or refinance an existing mortgage, our mortgage loans and refinancing options provide flexible terms that meet your specific circumstances.

Digital & Online Banking

Key Features

Our online banking services, accessible at https://upscu.com/, allow you to view your account balances, transfer funds, and pay bills with just a few clicks. You can enjoy 24/7 access to your accounts, ensuring you stay in control no matter where life takes you. Plus, with e-statements available, you can go paperless while keeping track of your finances effortlessly. If you're looking for ways to send money quickly and securely, our person-to-person transfers feature makes it easy to send cash to friends or family without the hassle of checks or cash. And for those who prefer using their smartphones, our mobile application gives you the power of banking right in your pocket.

Security and Convenience

Security is a top priority at U.p. State. Our online banking platform uses advanced security measures to protect your personal information while giving you peace of mind. Even though we don't currently offer electronic signature authorization, rest assured that all your transactions are secure. While mobile payments are not available at this time, our user-friendly mobile app lets you check your balances and monitor transactions on the go. Whether you're at home or out running errands, managing your finances has never been easier. In summary, with tools like online banking and person-to-person transfers at your fingertips, U.p. State is committed to providing accessible and efficient banking solutions tailored to fit your lifestyle. Join us today and experience the ease of digital banking!

Financial Strength

A Growing Member Base

Total Share and Deposit Accounts stand at 29,294, showing a strong and growing member base that trusts us with their finances. With net shares amounting to $2,368,113, we are well-prepared to lend funds for various needs while ensuring your deposits remain secure. 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 W366 Us Highway 2 W Saint Ignace Mi 49781 or call (906) 643-8138 to learn more about how we can help you achieve your financial goals.

Member Savings Secured

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 operational efficiency is reflected in our impressive $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.

Reinvesting for Your Future

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 is robust as we offer $2,832 in used auto loans and have a total of $110,670,572 in loans and leases available to support your financial goals across various sectors.

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. 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.

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 next vehicle straightforward and hassle-free.

Business Loans

For business owners, our outstanding commercial loans totaling $309,667 provide the capital needed to grow and expand. Whether you need funds for equipment, inventory, or other operational costs, our team can help tailor a loan solution that fits your business needs.

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. Whether you're a first-time homebuyer or looking to upgrade, our mortgage team is here to guide you through every step of the process.

Refinancing Options

If you're considering refinancing your existing loans for better rates or terms, we have options available that could save you money over time. Speak with one of our loan specialists about eligibility and how refinancing could benefit your financial situation. At U.p. State, we're dedicated to providing personalized service and support throughout your borrowing journey. We believe in empowering our members with the right tools and resources to make informed financial decisions. For more information on any of these loan products or if you're ready to apply, feel free to reach out at (906) 643-8138 or visit us at our location: W366 Us Highway 2 W Saint Ignace Mi 49781 in Saint Ignace, MI. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging, which is why we offer flexible terms on unsecured credit card loans. With a total of $5,613,938 in loans helping members manage their finances effectively, our credit cards come with rewards and no hidden fees, making it easier for you to stay on track financially.

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U.P. STATE CREDIT UNION - Saint Ignace, MI

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