West Michigan Credit Union Big Rapids MI | Low Mortgage Rates & Auto Loans

Introduction

Welcome to West Michigan, your trusted credit union located at 825 Division St, Big Rapids, MI 49307. Since our establishment in 1956, we have been dedicated to serving our members and enhancing their financial well-being. With a vibrant community of over 17,537 members, we pride ourselves on being a supportive partner in your financial journey. At West Michigan, we manage assets totaling $260,454,888 and offer a wide range of services, including personal banking options like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our commitment to our members is reflected in our total deposits of $27,078,129 and a robust net worth of $53,083,778. We believe that everyone deserves access to quality financial services tailored to their needs. While you can visit us directly at our Big Rapids branch for all your banking needs, if you need to send official correspondence, please address it to our mailing location at 1720 Michigan St NE, Grand Rapids, MI 49503. Under the leadership of CEO Joseph Heintskill and Board President Brent Nevins, our team of 68 dedicated employees is here to assist you every step of the way. Whether you're looking for loans or simply need help with your banking queries, we are just a phone call away at 231-796-6256. Join us today at West Michigan and discover how we can help you achieve your financial goals! Visit us online at westmichigancu.com for more information about our services.

Branch History & Mission

Commitment to Service

At West Michigan, we're not just about numbers; we're about people. Our dedicated team is here to provide exceptional service during our operating hours: Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to noon. While we currently do not offer ATM or drive-thru services at this location, our shared service center provides convenient access for basic transactions. We also prioritize accessibility with digital advancements like online banking and mobile payments. These innovations allow our members to manage their finances easily and securely from anywhere. As a member-focused institution, we invite you to experience the difference that West Michigan can make in your life. Whether you're looking for checking accounts, auto loans, or business banking options, we're here to help you achieve your goals. If you want more information or wish to join our credit union family, visit us at West Michigan's website or contact us at 231-796-6256. Let's grow together!

Our Journey

From our humble beginnings, West Michigan has evolved into a cornerstone of support for families and businesses alike. Over the years, we have expanded our services to meet the changing needs of our members while maintaining a strong focus on personalized service. With total assets now exceeding $260 million, we have built a solid foundation that allows us to provide competitive financial products ranging from personal banking solutions to business loans. Our mission is clear: we aim to enhance the financial well-being of our members while fostering a sense of community. We believe that when our members thrive, so does the entire community. This belief drives us to offer more than just financial services; we actively engage in community outreach initiatives and partnerships that support local causes and charities.

Branch Location & Accessibility

Comprehensive Services at Your Fingertips

At West Michigan, we offer a variety of services to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Plus, if you're a member of another credit union, you can take advantage of basic shared branch transactions right here! While we currently do not offer ATM or drive-thru services at this location, our staff is ready and willing to assist you inside the branch. If you prefer online banking or mobile payments, we've got those options covered too.

Convenient Hours Just for You

We know that life can get busy, which is why our operating hours are designed to fit your schedule. Join us Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM until noon. Whether you need assistance with personal banking or want to explore loan options, we're here for you during these hours.

Easy Access for Everyone

At West Michigan, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, including ramps and designated parking spaces to ensure everyone can easily access our services. While visiting us, you'll find ample parking available right outside the entrance.

Let’s Connect!

Whether you're already a member or looking to join our community, feel free to give us a call at 231-796-6256 or visit us at our Big Rapids location. We're excited to help you with all your financial needs! If official correspondence is necessary, please send it to our mailing address: 1720 Michigan St NE, Grand Rapids, MI 49503. We look forward to seeing you soon!

Member Eligibility

At West Michigan, we believe that becoming a member is like joining a caring community where your financial well-being comes first. If you live, work, or worship in the area, you're already on your way to membership! We welcome individuals who are part of our local communities, making it easy for you to enjoy all the benefits we offer. Not only do our members gain access to excellent banking services tailored just for them, but they also become part of a supportive network that values each person's unique needs and goals. To get started, simply visit us at 825 Division St Big Rapids Mi 49307 or give us a call at (231) 796-6256. You can find more detailed eligibility information by checking out this link: Membership Eligibility. We can't wait to help you open your account and start your journey with us!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine having a reliable partner that simplifies transactions and improves cash flow. Our merchant services empower you to accept payments effortlessly, so you can focus on what matters most growing your business. Whether it's credit card processing or online payment solutions, we provide tools that keep your operations running smoothly. Located at 825 Division St Big Rapids Mi 49307 in Big Rapids, MI, our dedicated team is ready to assist you. For more information, feel free to call us at (231) 796-6256 or visit our website at https://westmichigancu.com/ . Let's take your business to the next level together!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $30,067, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and small business owners, our Business Banking services are designed to support your growth. From Merchant Services that streamline payment processing to Business Loans that help fund your next big project, we aim to empower local businesses in the community.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking services. Manage your accounts from anywhere with features like mobile payments and person-to-person transfers. You can access your funds and perform basic shared branch transactions such as deposits and withdrawals effortlessly.

Credit Cards and Rewards

We also offer Credit Cards with Rewards that allow you to earn points on everyday purchases. Enjoy benefits such as cash back or travel rewards that can enhance your spending power while giving you something in return.

Get in Touch

Whether you're visiting us in person or connecting online, we're here for you! If you have questions about any of our services or need assistance, don't hesitate to call us at 231-796-6256. At West Michigan, we pride ourselves on being more than just a credit union; we're a partner in your financial success. Feel free to explore our website at westmichigancu.com for more information about how we can assist you today!

Personal Banking Solutions

We understand that managing your finances can sometimes feel overwhelming. That's why our personal banking services are designed to simplify your experience. With our Checking & Savings Accounts, you can easily manage your day-to-day transactions while saving for the future. If you're planning to buy a car, our Auto Loans & Vehicle Financing options make it easy to hit the road without breaking the bank. Need a place to call home? Our Mortgage Loans & Refinancing options provide competitive rates and flexible terms to help make your dream home a reality. For those unexpected expenses or consolidating debt, our Personal Loans & Debt Consolidation services offer affordable solutions tailored just for you.

Digital & Online Banking

Key Features

Our online banking includes features like electronic signature authorization, making it quick and secure for you to sign documents without the hassle of printing or mailing. You can also opt for e-statements, which not only keep your information organized but are better for the environment. Enjoy the peace of mind that comes with knowing you can manage your accounts right from your phone or computer. For members who are always on the go, our mobile application is a game changer. It allows you to make mobile payments effortlessly, transfer money between friends with our person-to-person transfer feature, and keep an eye on your account balance all from the palm of your hand.

Security and Accessibility

We prioritize your security at West Michigan. Our digital services come with advanced encryption technology to ensure that your personal information remains safe while you're banking online. Plus, our user-friendly interface makes it easy for everyone from tech-savvy members to those new to digital banking to navigate their accounts. With these features at your fingertips, you can manage your finances in real-time, whether you're paying bills, checking balances, or transferring funds. At West Michigan, we're here to support you every step of the way as you embrace the ease and accessibility of modern banking!

Financial Strength

Comprehensive Lending Support

Our lending capacity is robust with $901 in used auto loans and $106,652,674 in total loans and leases. This means we're here for you whether you're looking to purchase a vehicle or need financing for other important life events. Our operational efficiency is reflected in our $1,193,073, which enables us to continue offering competitive loan rates and solid financial products for our members.

Dedicated Team Ready to Assist You

We also take pride in having 58 full-time employees and 10 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Your needs are our priority.

Growing Membership Base

Total Share and Deposit Accounts: 36,963, showing a strong and growing member base that trusts us with their finances. This trust is the cornerstone of our operations. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, West Michigan is your trusted partner. Visit us at 825 Division St Big Rapids Mi 49307 or call (231) 796-6256 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.

Investing Back into Our Community

With $44,709,009 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment allows us to support our community effectively while helping you achieve your financial goals.

Member Savings and Investments

Members' savings are secured through $17,333,113 in share certificates and $57,125,280 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.

Strong Financial Position

With a net worth of $53,083,778, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $2,037 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 $8,974,439 in used vehicle loans and $23,377,709 in new vehicle loans already helping members get on the road. We offer flexible terms and competitive interest rates that make it easy for you to drive away in your ideal vehicle.

Business Loans

For business owners, our outstanding commercial loans totaling $30,067 provide the capital needed to grow and expand. We understand the challenges of running a business and are here to support you with competitive lending solutions tailored for commercial needs. Our experienced team at West Michigan is ready to guide you through the application process and answer any questions you may have about refinancing or eligibility options. Connect with us today at (231) 796-6256 or visit us at 825 Division St Big Rapids MI 49307. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore our website for more information on all our services: West Michigan. We're here to help you make informed financial decisions!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $5,388,400, make buying or refinancing simple. We offer various programs to suit your needs and budget. If you're interested in refinancing your current mortgage or exploring eligibility options, our dedicated team is here to assist you through every step.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $3,870,615 in loans helping members manage their finances effectively. These cards provide an excellent way to build credit while enjoying the convenience of cashless transactions.

Loan Aggregator

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WEST MICHIGAN CREDIT UNION - Big Rapids, MI