U.p. State Credit Union Sault Sainte Marie MI | Best Auto Loans & Business Banking

Introduction

Welcome to U.p. State, your trusted partner in financial well-being, located at 402 W Spruce St, Sault Sainte Marie, MI 49783. Since our establishment in 1955, we have proudly served the community with dedication and care, building a strong membership base of over 15,365 individuals who count on us for their financial needs. At U.p. State, we believe in putting our members first. With total assets of $198,373,208 and deposits reaching $20,837,840, we are well-equipped to provide a variety of services that cater to personal banking, auto loans, mortgages, and more. Our commitment to responsible lending is reflected in our total loans and leases of 9,281. Under the leadership of our CEO Raymond Theoret and Board President Howard Haulotte, our team of 53 employees works tirelessly to ensure you receive the best possible service. We take pride in maintaining a solid net worth of $22,416,422 and cash in hand amounting to $3,490,266, which allows us to support our members effectively. We understand that every member has unique financial goals. That's why we offer personalized solutions tailored to meet your needs whether you're looking for a new home or need assistance managing your everyday finances. While members can visit us at our branch address for friendly service and expert advice, official correspondence should be sent to the same location. With convenient operating hours from Monday through Friday from 8 AM to 5 PM and various services including online banking and ATM access available, we're here for you whenever you need us. Ready to take control of your financial future? Give us a call at 906-632-3134 or visit our website at upscu.com to learn more about how we can help you achieve your goals today!

Branch History & Mission

Welcome to U.p. State, a credit union with a proud history and a mission deeply rooted in community support and financial empowerment. Established in 1955, our Soo Spruce Street Branch has been a cornerstone for residents of Sault Sainte Marie, Michigan, fostering financial growth and stability for nearly seven decades. Located at 402 W Spruce St, Sault Sainte Marie, MI 49783, our branch is easily accessible to members and visitors alike. As we've grown over the years, we have proudly served a total membership of 15,365 individuals and families. With assets totaling $198,373,208, U.p. State has become a trusted partner in the financial journeys of many in our community. Our mission is clear: to provide exceptional financial services while promoting the well-being of our members and the community at large. We believe that everyone deserves access to quality banking services that can help them achieve their dreams whether it's buying a home, financing a vehicle, or managing everyday expenses. We are dedicated to offering personalized solutions tailored to meet the unique needs of our members. At U.p. State, we're more than just a credit union; we are part of the fabric of Sault Sainte Marie. Our commitment extends beyond financial transactions; we actively engage in community outreach programs that uplift and support those around us. From educational workshops on financial literacy to partnerships with local organizations, we strive to make a positive impact in the lives of our members. For your convenience, we offer various services including online banking, mobile banking options, ATM access, and drive-thru service to enhance your banking experience. Our lobby hours are Monday through Friday from 8 AM to 5 PM, ensuring you can find time for your banking needs amidst your busy schedule. While members can visit us at 402 W Spruce St, official correspondence should be sent to the same address as our mailing address remains unchanged. As we look toward the future, we invite you to join us at U.p. State. Experience firsthand how our commitment to service and community makes us different. Together, let's build a brighter financial future! For more information or assistance, feel free to contact us at 906-632-3134 or visit our website at upscu.com.

Branch Location & Accessibility

Connect with Us

Have questions or need assistance? Don't hesitate to reach out! Give us a call at 906-632-3134 or stop by and chat with our friendly team. We're here to help make your banking experience seamless and enjoyable. Come see why so many locals trust U.P. State for their financial needs!

Convenient Access and Amenities

At our U.P. State branch, we understand that accessibility is key. Our location offers ample parking and features designed to ensure everyone can easily access our services, including ADA-compliant entrances. Whether you need to pop in for a quick transaction or have more complex banking needs, our staff is here to assist you with a smile.

Operating Hours and Services

We invite you to visit us during our welcoming hours Monday through Friday from 8 AM to 5 PM when our team is ready to help you navigate everything from personal banking accounts to auto loans and business services. With drive-thru banking available for your convenience, you can complete simple transactions without leaving your vehicle. Additionally, we offer ATM services right at the branch for quick cash withdrawals and balance checks whenever you need them. While members can visit us at 402 W Spruce St, official correspondence should be sent to the same address for consistency. If you're looking for shared services, you're in luck! We proudly participate in shared branching, allowing members of partner credit unions to conduct basic transactions with ease.

Member Eligibility

Becoming a member of U.p. State is like joining a welcoming family where your financial goals are prioritized. If you live, work, worship, or attend school in the Sault Sainte Marie area, you're likely eligible to join us! We believe that everyone deserves access to affordable financial services and support, which is why we aim to keep our membership criteria simple and inclusive. For more detailed information about who can join, please check out our eligibility guidelines at http://www.upscu.com/about-us/#become-a-member. Once you're ready to take the next step, opening an account with U.p. State is easy! You can give us a call at (906) 632-3134 for assistance or stop by our branch located at 402 W Spruce St Sault Sainte Marie Mi 49783. Our friendly team is here to help you navigate the process and answer any questions you may have about membership benefits and services tailored just for you. Join us today and discover how being part of U.p. State can enhance your financial journey!

Business Banking & Commercial Services

Loan Options That Fuel Growth

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.

Practical Merchant Services

Imagine having the ability to accept payments seamlessly, whether your customers prefer credit cards, mobile wallets, or online transactions. Our merchant services make this possible, allowing you to focus on what you do best running your business. From simple payment processing to comprehensive reporting tools, we equip you with everything you need to manage transactions efficiently. Located at 402 W Spruce St Sault Sainte Marie Mi 49783 in Sault Sainte Marie, MI, our team is ready to partner with you on your journey toward success. Reach us at (906) 632-3134 to learn more about how we can support your business goals!

Comprehensive List Of Services

Business Banking

We haven't forgotten about local businesses! Our Business Banking services include valuable offerings like Merchant Services and Business Loans designed to help entrepreneurs thrive. Whether you're launching a startup or expanding an existing venture, we're here to support your goals.

Digital Banking Features

With today's fast-paced world, convenience is key. That's why Soo Spruce Street Branch provides robust Online & Mobile Banking capabilities, allowing you to check balances, transfer funds, and pay bills anytime, anywhere. Plus, our ATM & Cash Withdrawal Services ensure that cash is always within reach. For those who prefer face-to-face interaction but need quick service, our Drive-Thru Banking makes transactions straightforward for deposits and withdrawals without leaving your vehicle.

Personal Banking

Our personal banking services are crafted with you in mind. Start by exploring our Checking & Savings Accounts, which offer flexible options to suit your lifestyle. Imagine having a checking account that provides easy online access, enabling you to monitor your spending and manage your budget effortlessly. For those considering a new vehicle, our Auto Loans & Vehicle Financing make it simple to hit the road in style. We understand that financing can be daunting, which is why our team is here to guide you through every step. From first-time buyers to seasoned drivers, we have loan options that fit your needs. If homeownership is on your horizon, look no further than our Mortgage Loans & Refinancing services. We'll help you navigate the home buying process or refinance your current mortgage for better rates and terms. In addition, our Personal Loans & Debt Consolidation options can provide the relief you need when facing unexpected expenses or consolidating debt into manageable payments. And don't forget about our Credit Cards with Rewards, which let you earn points for everyday purchases turning your spending into savings!

Shared Branch Access

We also offer basic shared branch transactions for members of partner credit unions; this means if you're traveling or away from home, you can still access your funds easily through participating branches. At U.p. State, we strive to create a welcoming environment where every member feels valued and supported. With dedicated staff ready to assist you at every turn and an array of financial services designed with your needs in mind, we're more than just a credit union we're a community partner committed to helping you achieve financial success. Ready to learn more? Visit us today at 402 W Spruce St Sault Sainte Marie Mi 49783 or call us at (906) 632-3134. Your financial journey starts here!

Digital & Online Banking

Convenient Online Banking

Our robust online banking platform is accessible 24/7, allowing you to check balances, pay bills, and transfer money whenever it suits you. Simply visit https://upscu.com/ to get started! Whether it's a late-night transaction or an early morning balance check, our online services are always available to assist you.

E-Statements and Person-to-Person Transfers

We also provide e-statements to help you keep track of your financial activities without the clutter of paper statements making it both eco-friendly and convenient. If you need to send money quickly to friends or family, our person-to-person transfer feature makes it easy to send funds instantly. At U.p. State, we strive to give you access to modern banking solutions that fit into your lifestyle. Enjoy the convenience of real-time account management and a suite of digital tools designed just for you!

Mobile Application

For those who prefer banking on their mobile devices, our easy-to-use mobile application is here for you. Download it today and enjoy the freedom of managing your accounts right from your smartphone. You can view your account activity, make transfers, and much more all at your fingertips.

Secure Transactions

Your security is our top priority. We ensure that all online transactions are protected with advanced encryption technology. While we currently do not offer electronic signature authorization, rest assured that your personal information remains safe with us as you navigate through our services.

Financial Strength

Growing Member Base

As of now, we have a strong member base with 29,294 total share accounts. This indicates that more people trust us with their finances every day. 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 402 W Spruce St Sault Sainte Marie Mi 49783 or call (906) 632-3134 to learn more about how we can help you achieve your financial goals.

Member-Centric 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. This focus allows us to ensure that our resources benefit you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our commitment to operational efficiency is evident in our $819,689, which enables 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 dedicated to serving you with knowledge and care.

Reinvestment for Growth

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 with $2,832 in used auto loans and $110,670,572 in total loans and leases.

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 to ensure you find an option that fits your budget.

Business Loans

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 equipment, our team is here to guide you through the process.

Credit Lines

Our credit lines total $34,980,000, offering flexibility when unexpected expenses arise. This product allows you to borrow only what you need, when you need it, making it easier to manage your cash flow. If you're interested in any of our loan products or want more information about eligibility options, feel free to contact us at (906) 632-3134 or visit us at our branch located at 402 W Spruce St Sault Sainte Marie Mi 49783 in Sault Sainte Marie, MI. We're here to help you take that next step toward financial success!

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 also have refinancing options available for those looking to lower their monthly payments or access equity in their homes.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $5,613,938 in loans helping members manage their finances effectively. These cards come with competitive rates and no annual fees, making them an excellent choice for everyday purchases.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers come from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: Unlike many comparison tools, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Users have access to up-to-date loan rates from multiple institutions, enabling informed decisions without unnecessary delays. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights how effective the platform is in meeting user needs. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

How LendMesh Ensures 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 ensures that all offers presented are fair and transparent. By focusing on verified financial institutions, LendMesh guarantees users are viewing accurate loan options that reflect current market conditions.

U.P. STATE CREDIT UNION - Sault Sainte Marie, MI

Compare Loan Rates Near You

Loan rates in Sault Sainte Marie, MI (49783)