West Michigan Postal Service Credit Union Muskegon MI | Affordable Auto Loans & Personal Banking

Introduction

Welcome to West Michigan Postal Service, your trusted credit union located at 800 1st St, Muskegon, MI 49440. Established in 1952, we have been committed to serving our members and the community for over seven decades. With a total membership of 808 and assets exceeding $6,958,935, we take pride in providing personalized financial services tailored to meet your needs. At West Michigan Postal Service, we understand that financial decisions can be daunting. That's why our dedicated team is here to help you navigate through them with confidence. Our leadership team, led by CEO Margaret Upson and Board President Alan Leonard, focuses on creating a supportive environment where members feel valued and understood. While you can visit us at our branch location for all your banking needs, please note that any official correspondence should be sent to our mailing address: P.O. Box 341, Muskegon, MI 49443. With total loans amounting to 467 and deposits of $618,659, we ensure that your hard-earned money is working for you. We're also proud of our strong net worth of $850,995 and cash reserves of $70,741, which reflect our commitment to stability and growth for our members. We offer a range of services including personal checking and savings accounts, auto loans, mortgage loans, personal loans, credit cards with rewards, and business banking solutions. Whether you're looking to finance a new vehicle or open a savings account, we're here to assist you every step of the way. Experience the difference of being part of a member-focused credit union. We invite you to call us at 231-722-3921 or visit our website at wmpsfcu.com for more information about our services or to schedule an appointment. Join us today and let's build a brighter financial future together!

Branch History & Mission

Commitment to Service

At West Michigan Postal Service, we are more than just a credit union; we are your neighbors. Our operating hours from 8:30 AM to 5:00 PM, Monday through Friday, ensure that you can always find time to visit us or reach out by phone at 231-722-3921. While you can come see us at our branch location in Muskegon, official correspondence should be sent to P.O. Box 341, Muskegon, MI 49443. We pride ourselves on embracing technology without losing sight of personal touch. Our online banking services allow for easy account management anytime you need it. Though we currently do not offer ATM or drive-thru services, our staff is always ready to assist you in person or over the phone.

Community Focus

Being part of Muskegon means being active in the community. We engage with local organizations and support initiatives that make a difference in people's lives. Whether it's sponsoring events or offering financial literacy workshops, we are committed to giving back. If you're looking for a financial partner who values service and community as much as you do, consider joining us at West Michigan Postal Service. Experience firsthand how we're dedicated not just to your finances but also to your success. Together, let's build a brighter future! For more information on becoming a member or opening an account, visit us online at wmpsfcu.com today!

Our Story

From our humble beginnings, we have continuously adapted to meet the needs of our members. We started with a vision: to provide accessible financial solutions that empower individuals and families within our community. Over the years, we have expanded our offerings to include personal banking services such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our mission is clear: we strive to improve the financial well-being of our members while fostering a sense of community. We believe that everyone deserves a chance to succeed financially, which is why we focus not only on providing excellent financial products but also on supporting local initiatives and partnerships that uplift those around us.

Branch Location & Accessibility

Accessibility Features

We understand that accessibility is important. Our branch is designed with features that comply with ADA standards, including ramps for those who may need assistance. We want everyone to feel comfortable while they bank with us.

Operating Hours

You can visit us Monday through Friday from 8:30 AM to 5:00 PM. Our friendly staff is ready to assist you during these hours, whether you have questions about our personal banking options or need support with loans and credit cards. While members can visit us at 800 1St St Muskegon Mi 49440, official correspondence should be sent to P.O. Box 341, Muskegon, MI 49443. If you have any questions or need assistance before your visit, feel free to give us a call at (231) 722-3921.

Services Offered

At West Michigan Postal Service, we offer a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we strive to provide solutions that work for you. Although we currently do not have ATM or drive-thru service available, our staff is here to ensure all your banking needs are met personally and efficiently. We invite you to stop by our branch or reach out via phone if you have any inquiries. Experience the difference that community-focused banking can make!

Member Eligibility

Becoming a member of West Michigan Postal Service feels like joining a welcoming family that truly cares about your financial well-being. If you're looking to be part of a supportive community, it's simple! You are eligible to join if you live, work, or worship in the Muskegon area. This means whether you're a local resident or spend your days contributing to our vibrant community, you can take advantage of all the benefits we offer. At West Michigan Postal Service, you'll gain access to a variety of services designed to help you reach your financial goals, from checking and savings accounts to auto loans and credit cards with rewards. To get started on your membership journey, just visit us at our branch located at 800 1St St Muskegon Mi 49440 or check out the detailed eligibility criteria on our website: http://www.wmpsfcu.com/membership . If you're ready to open an account, the process is straightforward simply head over to https://loans.itsme247.com/015/home/start/ . For any questions or assistance, feel free to give us a call at (231) 722-3921. We can't wait for you to join our community!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine processing payments easily while focusing on what matters most your customers. Our merchant services provide you with reliable payment solutions that enhance customer experience and streamline operations. From point-of-sale systems to online payment gateways, we equip your business with tools to thrive in today's market. With a location at 800 1St St Muskegon Mi 49440 in Muskegon, MI, we're just a call away at (231) 722-3921. Let's work together to turn your business goals into reality!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

For our business members, we offer specialized support through our business banking services. From merchant services that streamline transactions to tailored business loans that fuel growth, we are here to support your entrepreneurial dreams.

Convenience at Your Fingertips

Accessibility is key in today's fast-paced world. At West Michigan Postal Service, we prioritize convenience by offering robust digital banking features. Whether you're using our online platform or mobile app, managing your accounts has never been easier. Plus, while we currently do not have ATM or drive-thru services available at this location, our team is always just a phone call away at 231-722-3921 for any assistance you may need.

Join Us Today!

We invite you to explore all that West Michigan Postal Service has to offer. Visit us at 800 1St St Muskegon MI 49440 or check out our website at wmpsfcu.com for more details on membership eligibility and account opening processes. Let us be part of your financial success story!

Loans Tailored for You

Thinking about buying a new car? Our auto loans and vehicle financing options are here to help you hit the road with confidence. We offer competitive rates that make purchasing your next vehicle easier than ever. If you're looking at larger investments like buying a home, our mortgage loans and refinancing services can guide you through the process smoothly. Need some extra cash? Our personal loans and debt consolidation solutions can help you manage expenses or consolidate existing debt into one easy payment. We also provide credit cards with rewards, giving you more value every time you make a purchase.

Personal Banking Solutions

For everyday banking needs, our checking and savings accounts offer flexible options that fit your lifestyle. Imagine being able to manage your finances easily through our online and mobile banking platforms. You can check balances, transfer funds, and pay bills from the comfort of your home or on the go. Plus, with e-statements, you can keep track of your transactions without the clutter of paper statements.

Digital & Online Banking

Key Features of Our Online Banking Services

One of the standout features is our 24/7 online banking services, allowing you to manage your account whenever it suits you. Whether you're at home, on vacation, or just out running errands, you can stay in control of your finances. We also support person-to-person transfers, making it easy to send money to friends or family quickly and securely. For those who prefer a paperless approach, we provide e-statements that let you view and download your account statements electronically. This not only helps the environment but also keeps your financial information organized and readily available. Plus, with our electronic signature authorization, you can sign documents digitally saving time and hassle.

Mobile Access Made Easy

Our user-friendly mobile application offers all the functionalities of online banking right at your fingertips. You can check balances, deposit checks, and even set up alerts for account activity all through your smartphone. Although we currently do not offer mobile payments, our app is still packed with useful features designed to make banking simple and efficient. With everything available through West Michigan Postal Service's digital services, managing your money has never been easier. Embrace the freedom of real-time account management and enjoy peace of mind knowing that your financial information is secure with us. Visit https://www.wmpsfcu.com/ today to get started on your online banking journey!

Financial Strength

Growing Together

Total Share Accounts: 1,298, showing a strong and growing member base that trusts us with their finances. As a cooperative institution dedicated to serving you, we believe our success lies in your success. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, West Michigan Postal Service is your trusted partner. Visit us at 800 1St St Muskegon Mi 49440 or call (231) 722-3921 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.

Member-Centric Savings Opportunities

Members' savings are secured through $2,249,062 in share certificates, offering stable and rewarding financial growth opportunities. We prioritize our members by focusing our resources on you no non-member deposits here!

Operational Efficiency

Our $45,624 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We are proud to have 2 full-time employees ready to assist you with a knowledgeable and committed team.

Reinventing Banking for You

With $805,371 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, with $100 in used auto loans and $4,493,820 in total loans and leases supporting your financial goals across various sectors.

Solid Financial Health

With a net worth of $850,995, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,223 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 $1,405,411 in used vehicle loans and $523,096 in new vehicle loans already helping members get on the road. We provide flexible terms tailored to fit your budget and ensure you can drive away with confidence.

Credit Lines

For those who want extra flexibility, our credit lines total $300,000. This option allows you to borrow as needed without the hassle of reapplying each time. It's ideal for managing unexpected expenses or making larger purchases.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,363,979, make buying or refinancing simple. We offer competitive rates and personalized service to guide you through each step of the process.

Refinancing Options

If you're considering refinancing any existing loans or mortgages, we have options available that may help lower your monthly payments or reduce your interest rate. Check with us for eligibility details that could benefit your situation. For any inquiries or further information about our loan offerings, feel free to reach out to us at 231-722-3921 or visit us at 800 1St St Muskegon Mi 49440. Our team is ready to assist you during our operating hours from 8:30 AM to 5:00 PM, Monday through Friday. Remember, performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're dedicated to supporting our members with transparent information and reliable financial products tailored just for you!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $370,144 in loans helping members manage their finances effectively. These cards provide an easy way to handle everyday purchases while building your credit history.

Loan Aggregator

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How LendMesh Ensures Accurate Loan 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 the offers you see are fair and transparent. Each lender featured on LendMesh has been verified to guarantee that users receive only legitimate offers.

WEST MICHIGAN POSTAL SERVICE FEDERAL CREDIT UNION - Muskegon, MI