Wildfire Credit Union Bay City MI | Affordable Vehicle Loans & ATM Services

Introduction

Welcome to Wildfire, your trusted credit union located at 2936 Wilder Rd, Bay City, MI 48706. Established in 1937, we have proudly served our community for over eight decades, growing alongside our members and supporting their financial journeys. With a robust membership base of 49,000 and total assets exceeding $1.1 billion, we are committed to providing personalized banking solutions that meet the diverse needs of our community. At Wildfire, we believe in building strong relationships with our members. Our dedicated team of 200 employees, led by CEO Benjamin Denay and Board President Kenneth Voelker, works tirelessly to ensure you receive top-notch service and support. Whether you're looking for personal banking options like checking and savings accounts, auto loans, or business banking services, we're here to help you achieve your financial goals. While members can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 3285, Saginaw, MI 48604. Feel free to reach out to us at (989) 249-8200 for any inquiries or assistance you may need. With total deposits of $21,525,212 and net worth standing at $124,587,850, we take pride in maintaining a stable financial foundation that allows us to invest back into the community. We also offer a variety of services including mortgage loans, credit cards with rewards, online and mobile banking options, and more. At Wildfire Credit Union, we are not just about numbers; we are about making a positive impact in the lives of our members. Join us today and experience the benefits of being part of a community-focused institution. Visit our website at wildfirecu.org to learn more or apply for an account online!

Branch History & Mission

Community Engagement

Wildfire believes in giving back. We actively engage with local organizations and initiatives that make a positive impact in Bay City. Through partnerships and outreach efforts, we aim to uplift those around us while helping them find their path toward financial independence. In line with modern advancements, we ensure that all our services are accessible and user-friendly. From mobile payments to electronic signatures for loan applications, we prioritize making banking easier for you while maintaining strict ADA compliance. As we look toward the future, we invite you to join us on this journey. Experience the warmth of community-focused service combined with professional financial expertise at Wildfire. Call us today at 989-249-8200 or visit us online at Wildfire Credit Union to learn more about how we can assist you in achieving your financial dreams!

Our Mission

At the heart of Wildfire is a mission centered on fostering financial well-being and empowering our members. We strive to offer comprehensive banking solutions such as personal banking accounts, auto loans, mortgage financing, and business services all designed with you in mind. Our focus extends beyond just transactions; we are here to support your financial journey and help you achieve your goals. We are committed to being an accessible resource for everyone in Bay City. That's why we provide various services including online and mobile banking options, ATM access, and drive-thru banking for your convenience. Whether you need assistance managing your savings or are looking for ways to finance your next big purchase, our friendly staff is ready to help. While members can visit us at 2936 Wilder Rd, official correspondence should be sent to PO Box 3285, Saginaw, MI 48604.

Branch Location & Accessibility

Accessibility Features

At Wildfire, we believe in making banking accessible for everyone. Our branch complies with ADA standards, ensuring that all members can comfortably access our services. Ramps and designated parking spaces are available for those who need them.

Conveniently Located

Our branch is easy to find, nestled near popular landmarks that many locals recognize. Just a short drive from the vibrant downtown area and close to local shops, we are in a prime spot for anyone looking to manage their finances without the hassle. Ample parking is available right outside our doors, making it simple for you to stop by.

Operating Hours That Fit Your Schedule

We know life can be busy, so we've designed our operating hours to accommodate your schedule. Our lobby is open Monday through Thursday from 9:00 AM to 5:30 PM, Fridays from 9:00 AM to 6:00 PM, and Saturdays from 9:00 AM to 12:30 PM. If you're on the go, our drive-thru service is available during the same hours on weekdays and also on Saturday mornings.

Reach Out Anytime!

Have questions? Feel free to give us a call at 989-249-8200 or stop by during business hours. While members can visit us at our physical location, any official correspondence should be sent to PO Box 3285 in Saginaw if that's more convenient for you. We can't wait to welcome you into our Wildfire family! Come see how we can help you achieve your financial goals today!

Services You Can Count On

When you visit us at Wildfire's Bay City Branch, you'll find a range of services tailored to meet your needs. From checking and savings accounts to auto loans and mortgage options, we have solutions that fit your lifestyle. And if you ever need cash quickly, our ATM is always available for withdrawals and balance checks.

Member Eligibility

At Wildfire, we believe that joining our community is more than just opening an account it's about becoming part of a supportive family that looks out for one another. Becoming a member is straightforward and welcoming. If you live, work, worship, or attend school in the local area, you're likely eligible to join us! We want to make banking accessible for everyone, so whether you're just starting your financial journey or looking for ways to enhance it, we have options tailored for you. For detailed eligibility criteria, feel free to check out this resource: . Ready to take the next step? Opening an account at Wildfire is as easy as pie! You can get started by visiting our account opening page here: https://app.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozadziaawghcvoynyhzsbgnelgla_nj7eohbt3yjyfsypzgmgfqxhlyvwh_n2-zbfr5gepwoxa8sohpfiryuvachfeukkvwpy-lxnautm_a3k9- . If you have any questions or need assistance, don't hesitate to reach out at (989) 249-8200. We're excited to welcome you into our community at 2936 Wilder Rd Bay City Mi 48706!

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 $382 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $36 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $74,325,489, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced environment, efficient payment processing is crucial. Our merchant services allow you to accept payments seamlessly, empowering your business to serve customers better. Imagine the ease of handling transactions at your fingertips whether in-store or online. This means more time focusing on what really matters: growing your business! Visit us at 2936 Wilder Rd Bay City Mi 48706 in Bay City, MI, or call us at (989) 249-8200 to learn more about how our business banking and commercial services can support your success!

Comprehensive List Of Services

Business Banking Solutions

For small business owners, we provide tailored solutions such as merchant services and business loans. This way, you can focus on growing your business while we handle the financial side.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why at Bay City Branch, we offer robust online and mobile banking options. You can check your balance, transfer funds, and pay bills all from the palm of your hand anytime, anywhere. Our ATM & cash withdrawal services ensure that accessing your cash is quick and easy.

Easy Access Services

Sometimes all you need is a simple transaction. Our basic drive-thru banking allows for quick deposits, withdrawals, and other simple tasks without needing to step inside the branch. We also have basic ATM access for those times when you just need to check your balance or take out some cash. If you have questions or need assistance with any of our services, don't hesitate to reach out! Call us at (989) 249-8200 or visit us at our branch located at 2936 Wilder Rd Bay City Mi 48706 in Bay City, MI. At Wildfire, we're here to support you every step of the way on your financial journey. Whether you're saving for a dream vacation or securing a loan for that perfect car, we've got the tools you need. Explore what we offer today!

Loans and Credit Options

Life can throw unexpected expenses your way, and that's where our personal loans and debt consolidation come in handy. You can tackle those bills head-on with flexible repayment terms that suit your budget. Plus, our credit cards with rewards not only provide purchasing power but also allow you to earn points for cash back or travel.

Personal Banking Services

Whether you're looking to open a checking or savings account, our personal banking services are designed with you in mind. Imagine setting up an account that allows you to easily manage your money and save for future goals. With competitive interest rates and no hidden fees, you can feel confident about where your money is going. When it comes time to purchase a new vehicle, we offer auto loans and vehicle financing that can help you get behind the wheel without breaking the bank. You can also explore mortgage loans and refinancing options if you're ready to buy a home or lower your current mortgage payment.

Digital & Online Banking

Key Features

One standout feature is our electronic signature authorization. This allows you to complete transactions securely without the need for paper signatures, making it quicker and more efficient to handle your banking needs. We also offer e-statements, so you can say goodbye to paper clutter and access your statements digitally whenever you need them. If you're always on the go, our mobile application keeps you connected to your accounts right from your smartphone. You can make mobile payments easily, ensuring that you have the flexibility to pay for goods and services wherever you are. And for those times when you need to send money to friends or family instantly, our person-to-person transfer feature makes it simple and hassle-free.

Security and Accessibility

At Wildfire, security is paramount. Our digital banking services are built with top-notch security features to protect your personal information. You can manage your accounts confidently knowing that your data is safe with us. Whether you're a tech-savvy user or new to online banking, our intuitive interface ensures that everyone can navigate their accounts effortlessly. So whether it's day or night, rest assured that with Wildfire, managing your finances is easier and safer than ever before!

Financial Strength

Commitment to Members

Net Shares (Funds available for lending and investments): $5,059,515 showcase our ability to support both current and future lending needs. Additionally, with a total of 122,565 share accounts, it's clear that more individuals 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, Wildfire is your trusted partner. Visit us at 2936 Wilder Rd Bay City Mi 48706 or call (989) 249-8200 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.

Operational Efficiency

Our performance speaks for itself with a net income of $1,653,666, reflecting our operational efficiency. This enables us to offer competitive loan rates and solid financial products tailored for you. We also take pride in having 173 full-time employees and 27 part-time employees who are dedicated to providing exceptional service.

Reinvestment for Growth

With $47,320,931 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This focus on growth means that we can continue to support your financial goals across various sectors. For instance, we have $7,836 in used auto loans and $627,473,424 in total loans and leases available.

Secure Savings Opportunities

Members' savings are secured through $384,058,917 in share certificates and $173,035,873 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 Health

With a net worth of $124,587,850, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,130 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 $127,033,438 in used vehicle loans and $26,987,834 in new vehicle loans already helping members get on the road. We make it easy for you to secure financing for both new and used vehicles, ensuring that you have the support you need to drive away in style.

Business Loans

For business owners, our outstanding commercial loans totaling $74,325,489 provide the capital needed to grow and expand. We understand that running a business comes with its own set of challenges and opportunities; our tailored loan solutions are here to support your success.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $18,827,071, make buying or refinancing simple. Whether you're purchasing your first home or looking to refinance an existing mortgage, our team is here to guide you every step of the way.

Refinancing Options

If you're considering refinancing any existing loans or credit lines, we can help simplify that process as well. Our team will work closely with you to evaluate your current situation and find the best options available for refinancing. At Wildfire in Bay City, MI (2936 Wilder Rd), we're dedicated to serving our community's financial needs. For more information about our loan offerings or to speak with one of our knowledgeable representatives, please call us at 989-249-8200. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step towards achieving your financial dreams!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $28,770,469 in loans helping members manage their finances effectively. Our credit cards come with rewards and features designed to fit your lifestyle while providing the financial flexibility you need.

Loan Aggregator

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WILDFIRE CREDIT UNION - Bay City, MI