West Michigan Credit Union Reed City MI | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to West Michigan, your trusted partner in financial well-being! Located at 4795 220Th Avenue, Reed City, MI 49677, our branch has been serving the community since 1956. With a strong commitment to member satisfaction and community support, we proudly cater to over 18,000 members, offering personalized banking solutions tailored to your needs. At West Michigan, we understand that every financial journey is unique. That's why we provide a range of services from checking and savings accounts to auto loans and mortgages designed to help you achieve your goals. Our total assets stand at an impressive $251,293,934, ensuring that we have the resources to support you effectively. While members can visit us at our Reed City location, official correspondence should be sent to our mailing address: 1720 Michigan St NE, Grand Rapids, MI 49503. We invite you to experience banking with a personal touch from our dedicated team of 67 employees, led by CEO William Keim and Board President Brent Nevins. Our branch boasts total deposits of $20,609,917 and total loans amounting to 11,581, reflecting our strong financial health and commitment to fostering growth within our community. With net worth reaching $50,341,529 and cash in hand totaling $3,565,384, you can trust that your finances are in capable hands. We believe in creating lasting relationships with our members through transparency and support. Whether you're looking for assistance with personal loans or business financing options like our competitive member business loan program, we're here for you every step of the way. Ready to start your financial journey with us? Don't hesitate to reach out! Call us at 231-832-5359, or visit our website at westmichigancu.com for more information. Join the West Michigan family today where your financial success is our top priority!

Branch History & Mission

Join Us

As we look toward the future, we invite you to join the West Michigan family. Experience firsthand how we can support your financial journey while contributing positively to the Reed City community. Together, let's build a brighter future! For more information on membership eligibility or services offered, please visit us at WestMichiganCU.com.

Our Journey

From humble beginnings, West Michigan has seen significant growth. Our total assets now exceed $251 million, reflecting our dedication to providing valuable services to our members. We understand that financial needs evolve, which is why we continuously adapt and expand our offerings. Alongside traditional banking services like checking and savings accounts, auto loans, and mortgages, we also provide innovative solutions such as online and mobile banking. Our journey is not just about numbers; it's about people. Each member who walks through our doors becomes part of our community-focused mission. We strive to empower individuals through financial education and support while creating lasting relationships based on mutual respect and understanding.

Our Mission

At West Michigan, our mission is clear: to enhance the lives of our members by offering affordable financial services while actively supporting the local community. We believe in fostering a sense of belonging where everyone feels valued and included. Whether you're looking for personal loans or business banking solutions, we aim to provide the right tools to help you achieve your goals. As we continue to grow, we remain committed to giving back through various community outreach initiatives. By partnering with local organizations and participating in events, we ensure that our impact goes beyond banking. While members can visit us at 4795 220th Avenue, official correspondence should be sent to 1720 Michigan St NE, Grand Rapids, MI 49503. You can reach us at 231-832-5359 during our operating hours: Monday through Friday from 8:30 AM to 5 PM (with extended hours until 5:30 PM on Fridays) and Saturdays from 9 AM to 1 PM. We are proud to offer additional conveniences such as ATM availability and drive-thru banking for those who prefer quick transactions. Plus, with shared service centers available nearby, accessing your accounts has never been easier.

Branch Location & Accessibility

Call to Action

We invite you to stop by and experience the welcoming atmosphere at West Michigan Credit Union. If you have any questions or need assistance before visiting, feel free to give us a call at 231-832-5359. We look forward to serving you!

Convenient Access

At our Reed City location, you'll find ample parking available, ensuring that you can visit us without any hassle. The branch is designed with accessibility in mind, featuring ADA-compliant entrances and ramps to accommodate all members of our community. If you need assistance during your visit, our friendly staff is always ready to help.

Operating Hours

We understand that life can be busy, so we offer flexible banking hours to suit your schedule. You can visit us Monday through Friday from 8:30 AM to 5 PM, and on Saturdays from 9 AM to 1 PM. For those who prefer drive-thru service, we extend our hours on Fridays until 5:30 PM, making it even easier for you to bank on the go.

Services Offered

Our Reed City branch provides a range of services tailored for your personal and business banking needs. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing options, we've got you covered. Plus, with ATM availability and drive-thru banking services, accessing your funds is quick and easy. While members can visit us at 4795 220th Avenue, official correspondence should be sent to our mailing address at 1720 Michigan St NE, Grand Rapids, MI 49503.

Member Eligibility

At West Michigan, we believe that everyone deserves a supportive community and access to financial services that truly meet their needs. Becoming a member is easier than you might think! If you live, work, worship, or attend school in the areas served by our credit union, you're likely eligible to join us. We welcome individuals and families from all walks of life, ensuring that our membership reflects the diverse community we serve. Plus, as a member, you'll enjoy numerous benefits like lower loan rates, higher savings yields, and personalized service tailored just for you. To get started on your journey with us at West Michigan, simply visit our eligibility page at https://westmichigancu.com/become-a-member/ for all the details on how to qualify. If you're ready to open an account or have any questions, don't hesitate to give us a call at (231) 832-5359. We're here to help you take the first step toward becoming part of our family at West Michigan located at 4795 220Th Avenue Reed City Mi 49677!

Business Banking & Commercial Services

Financing Your 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 $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $253,096, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Made Easy

In addition to loans, our merchant services are designed to simplify your transactions. Imagine having a reliable partner for payment processing, allowing you to focus on what really matters growing your business. Our services help streamline operations, making it easier for your customers to pay while enhancing their overall experience. Located at 4795 220Th Avenue Reed City Mi 49677 in Reed City, MI, our team is ready to assist you with all your business banking needs. Reach out today at (231) 832-5359 to learn more about how we can support your entrepreneurial journey!

Comprehensive List Of Services

Additional Services

Our commitment extends beyond traditional banking. We provide basic drive-thru banking for quick deposits, withdrawals, and simple transactions. If you're a member of a partner credit union, our shared branch transactions allow for easy deposits and withdrawals as well. For any questions or assistance, feel free to reach out at (231) 832-5359. Our friendly staff is here to help you navigate your financial journey with confidence. At West Michigan, we believe in making banking personal and accessible for everyone in the community. Visit us today at our branch in Reed City, or explore more about our offerings online at Reed City. Join us in taking control of your financial future!

Business Banking Solutions

For entrepreneurs and business owners, we offer tailored business banking services. From merchant services that simplify payment processing to flexible business loans, we support your journey toward success.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why at West Michigan, we prioritize digital banking features that make managing your finances easier than ever. With online and mobile banking, you can check balances, transfer funds, and pay bills anytime, anywhere. Our members also enjoy access to our ATM network for quick cash withdrawals and balance checks.

Personal Banking Services

We offer various personal banking options designed to fit your lifestyle. Our checking and savings accounts allow you to manage your money effortlessly, whether you're saving for a vacation or simply need a place for everyday expenses. For those looking to purchase a new vehicle or refinance an existing loan, our auto loans and vehicle financing options come with competitive rates that can help ease your financial burden. When it comes to home ownership, our mortgage loans and refinancing services ensure that you get the best deal possible on your dream home. If you're facing debt challenges, our personal loans and debt consolidation solutions can provide the relief you need. Plus, with credit cards featuring rewards, every purchase brings you closer to exciting benefits.

Digital & Online Banking

Key Features

One standout feature is our mobile application. This convenient tool allows you to manage your finances right from your smartphone. Whether you're depositing checks with a quick snap or making person-to-person transfers with just a few taps, our app makes banking hassle-free. Plus, if you're into mobile payments, you'll love our support for seamless transactions. Security is always top of mind at West Michigan. We utilize electronic signature authorization for documents, so you can complete necessary paperwork securely without needing to visit a branch. Additionally, opting for e-statements not only helps the environment but also keeps your financial information safe and accessible. We strive to make banking as straightforward as possible. Whether you're checking your balance or setting up automated payments, everything is designed with user-friendliness in mind. With real-time account management features, you can stay on top of your finances effortlessly. Join us at West Michigan and experience the convenience of modern banking tailored to fit your lifestyle!

Financial Strength

A Growing Community

We are proud to report a total of 37,611 accounts held by our members. This shows a strong and growing member base that trusts us with their finances. Additionally, net shares (funds available for lending and investments) amount to $10,054,063, further illustrating our commitment to your financial well-being. 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 4795 220Th Avenue Reed City Mi 49677 or call (231) 832-5359 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $20,731,735 in share certificates and $57,500,490 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 impressive $1,179,116 reflects our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 57 full-time employees and 10 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for Growth

With $40,173,787 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 $959 in used auto loans and $118,818,619 in total loans and leases available to support your financial goals across various sectors.

Solid Foundation

With a net worth of $50,341,529, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 20.01% 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 $9,651,856 in used vehicle loans and $29,669,778 in new vehicle loans already helping members get on the road. We provide financing options that make it easier for you to drive away in the vehicle you want. Plus, if you're considering refinancing your current auto loan, our team can help you explore eligibility options to potentially save even more.

Business Loans

For business owners, our outstanding commercial loans totaling $253,096 provide the capital needed to grow and expand your business. We understand that having access to funds is crucial for success in today's market. Our dedicated staff will work closely with you to create financing solutions that align with your business goals. At West Michigan, we believe that everyone deserves access to affordable financing options. To learn more about our loan products or discuss how we can help you reach your financial objectives, feel free to visit us at 4795 220Th Avenue Reed City Mi 49677, call us at 231-832-5359, or check out our website at WestMichiganCU.com. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $5,267,039, make buying or refinancing simple. Whether you're a first-time buyer or looking to refinance an existing mortgage, we can guide you through the process and find the right solution for your situation.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $4,072,042 in loans helping members manage their finances effectively. Our credit cards come with competitive rates and rewards programs designed to fit your lifestyle. If you're interested in improving your credit score or consolidating debt, our team is here to assist you with tailored advice.

Loan Aggregator

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Ensuring 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 users receive fair and transparent offers. Each lender is thoroughly vetted to guarantee that the information presented is both accurate and up-to-date.

WMCU CREDIT UNION - Reed City, MI

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