Wolverine State Credit Union Alpena MI | Affordable Auto Loans & Business Banking

Introduction

Welcome to Wolverine State Credit Union, where our commitment to you and our community shines through every interaction. Located at 1381 N Bagley St, Alpena, MI 49707, we have been serving our members since 1966, building trust and fostering strong relationships along the way. With a robust membership of over 9,500 individuals, we are proud to offer financial solutions tailored to your needs. At Wolverine State Credit Union, we manage total assets of $151,256,922 and facilitate a variety of loans and financial services. Our total loans amount to 7,804, while deposits stand strong at $17,129,695. With a net worth of $15,032,656 and cash reserves of $2,510,749, we ensure that your financial future is secure with us. Under the leadership of our dedicated CEO, Nicholas Montie, and Board President, Robert Grochowski, we strive to create an environment that is not just about banking but about community support and growth. Whether you need help with personal banking or business services like merchant accounts and business loans, our friendly team is here for you. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: 1381 N Bagley St, Alpena, MI 49707-7941. We invite you to connect with us today! Feel free to call us at 989-356-1880 or explore our website at www.wolverinescu.com for more information about how we can assist you in achieving your financial goals. Join us as we continue to make a positive impact in Alpena and beyond!

Branch History & Mission

Wolverine State Credit Union, located at 1381 N Bagley St, Alpena, MI 49707, has been a cornerstone of our community since it opened its doors in 1966. Over the years, we've grown from a small financial institution into a trusted partner for nearly 9,514 members, with total assets reaching an impressive $151,256,922. Our journey is one of commitment and service, aimed at making a meaningful impact on the lives of our members and their families. From our humble beginnings, we have continually evolved to meet the changing needs of our community. With the support of dedicated employees and a strong leadership team led by CEO Nicholas Montie and Board President Robert Grochowski, we have embraced new technologies while maintaining our core mission: to provide accessible financial services that empower individuals and strengthen the community. Our operating hours are designed to accommodate busy schedules Monday through Friday from 8:30 a.m. to 5:30 p.m., with drive-thru services available on Saturdays from 9:00 a.m. to 12:00 noon. At Wolverine State Credit Union, we believe in more than just banking; we are committed to enhancing the quality of life in Alpena. Our mission is to offer not only personal banking solutions like checking and savings accounts but also auto loans, mortgages, credit cards with rewards, and business banking services. We strive to create opportunities for everyone whether it's through convenient online banking or shared service center transactions that expand access for our members. We take pride in our community outreach efforts as well. By partnering with local organizations and participating in events that support education and financial literacy, we aim to make a positive difference beyond mere transactions. Additionally, our branch features ADA-compliant facilities ensuring accessibility for all members. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to our mailing address at 1381 N Bagley St, Alpena, MI 49707-7941. If you're looking for a credit union that prioritizes its members' needs while contributing to the local community's growth and well-being, look no further than Wolverine State Credit Union. Join us today and experience firsthand how we can help you achieve your financial goals! Visit our website at wolverinescu.com or give us a call at 989-356-1880 for more information.

Branch Location & Accessibility

Get in Touch

Have questions or need assistance? Don't hesitate to reach out! You can call us at 989-356-1880 for any inquiries or simply drop by during our operating hours. We look forward to welcoming you into our branch and helping you achieve your financial goals!

Nearby Landmarks and Accessibility

You'll find us close to several local landmarks, making it easy to stop by while running errands or enjoying a day out. With ample parking available right outside our doors and features like ADA compliance, we ensure that everyone can access our services without hassle. If you need assistance, our staff is always ready to lend a hand.

Operating Hours

We value your time! Our lobby is open Monday through Friday from 8:30 a.m. to 5:30 p.m., so you can visit us when it's convenient for you. For those who prefer a quick stop on the weekend, our drive-thru service operates on Saturdays from 9:00 a.m. to 12:00 noon.

Services Offered

At Wolverine State Credit Union, we offer a wide range of services tailored just for you. From checking and savings accounts to auto loans and mortgages, our goal is to meet your financial needs in one place. We also provide ATM services for quick cash withdrawals and basic transactions through our drive-thru. If you're looking for shared services with partner credit unions, we've got you covered too! Our shared service center makes it easy for members from other institutions to access their accounts here.

Member Eligibility

Becoming a member of Wolverine State is like stepping into a community that truly cares about your financial journey. We welcome anyone who lives, works, worships, or attends school in Alpena County to join our family. Whether you're looking for a simple savings account or need guidance on loans and financial planning, we're here to support you every step of the way. Joining is straightforward and inclusive; just visit our website for more detailed eligibility criteria at https://www.wolverinescu.com/who-can-join/ . If you're ready to take the next step, you can easily open an account by visiting https://loans.itsme247.com/132 ?logouturl= https://www.wolverinescu.com . If you have any questions, don't hesitate to give us a call at (989) 356-1880 we're excited to help you start your membership journey!

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 $77 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $5 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $9,800,572, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer robust merchant services that make daily operations smoother for local businesses. Imagine being able to accept payments from customers quickly and easily, enhancing their experience while keeping your cash flow steady. Our services help you process transactions efficiently, whether it's in-store or online. Visit us at 1381 N Bagley St Alpena Mi 49707 in Alpena, MI, or call us at (989) 356-1880 to learn how we can assist you in achieving your business goals!

Comprehensive List Of Services

Credit Cards and Business Banking

We understand that managing finances often requires flexibility. That's why we offer Credit Cards with Rewards, allowing you to earn while you spend. For entrepreneurs and business owners, our Business Banking services include Merchant Services & Business Loans, helping you grow your business efficiently.

Digital Banking Features

In today's fast-paced world, convenience is key. Our members enjoy robust Online & Mobile Banking features that allow you to manage your accounts anytime, anywhere. You can easily transfer funds, pay bills, and even send money to friends and family through our Person-to-Person payment option. Our commitment extends beyond just banking; we also ensure access through our ATM & Cash Withdrawal Services, available for your convenience. For quick transactions, take advantage of our Basic Drive-Thru Banking, where you can handle deposits, withdrawals, and simple transactions without leaving your vehicle.

Personal Banking

Starting with personal banking, we provide various options to help you manage your money effectively. Whether you're opening a new checking or savings account, our accounts are designed to be user-friendly and accessible. If you're considering purchasing a vehicle, our Auto Loans & Vehicle Financing can help you drive away in the car of your dreams with favorable terms. For those looking to buy a home or refinance an existing mortgage, we offer competitive Mortgage Loans & Refinancing solutions that can make homeownership more attainable. Additionally, our Personal Loans & Debt Consolidation options allow you to tackle unexpected expenses or consolidate debt without the stress.

Shared Branch Transactions

We also recognize that sometimes you need to access services beyond what we offer directly. That's why we provide basic shared branch transactions for partner credit union members, making it easy for you to handle deposits and withdrawals when you're away from home. Our friendly team is here to assist you during our operating hours: Monday through Friday from 8:30 a.m. to 5:30 p.m., and Saturday from 9:00 a.m. to 12:00 noon (drive-thru only). Feel free to reach out at (989) 356-1880 if you have any questions or need assistance. At Wolverine State, we're not just about numbers; we're about community and support. Discover how we can help enhance your financial journey today by visiting us online at Wolverine State Credit Union or stop by our branch! We look forward to serving you!

Digital & Online Banking

Key Features

Our online banking provides you with real-time account management. You can check balances, review transactions, and pay bills all from the comfort of your own home or while out and about. Plus, with our mobile application, managing your finances is just a tap away! Need to send money to friends or family? Our person-to-person transfer feature allows you to quickly send funds without needing cash or checks. And if you're looking for a simple way to sign documents, our electronic signature authorization makes it easy and efficient.

Security and Accessibility

Your security is our top priority. We use advanced encryption technology to protect your personal information, ensuring that your online banking experience is safe and secure. Additionally, e-statements are available for those who prefer going paperless. This not only helps the environment but also gives you instant access to your financial statements whenever you need them. With features like mobile payments, making purchases has never been simpler. Just link your bank account through our app, and you're ready to go! At Wolverine State, we believe in making banking as straightforward as possible so that you can focus on what really matters in life. Join us today and experience the ease of modern banking!

Financial Strength

At Wolverine State, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We strive to maintain a strong financial foundation that ensures your hard-earned money is safe and working effectively for you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. With a net worth of $15,032,656, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.94% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $19,248,771 in share certificates and $26,157,122 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. With $11,952,471 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 members' financial goals across various sectors with 1,297 used auto loans and a total of $91,169,164 in loans and leases. Our operational efficiency is reflected in our net income of $680,316, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 43 full-time employees and 6 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Net Shares (Funds available for lending and investments): $738,022. Total Share and Deposit Accounts: 23,286, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Wolverine State is your trusted partner. Visit us at 1381 N Bagley St Alpena Mi 49707 or call 989-356-1880 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $15,278,956 in used vehicle loans and $7,055,996 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used car, our flexible terms can fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $9,800,572 provide the capital needed to grow and expand. We understand the unique needs of businesses and are committed to providing solutions that can help you succeed. If you're unsure about eligibility or want to explore refinancing options for any of our loan products, feel free to reach out to us directly at (989) 356-1880. We're here to assist you through every step of the process. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us at 1381 N Bagley St Alpena Mi 49707 in Alpena, MI, or check out our website at Wolverine State Credit Union for more information on how we can assist you today!

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,145,605, make buying or refinancing simple. We offer competitive rates and terms that can help you achieve your dream of owning a home. If you're considering refinancing your current mortgage, we have options available as well.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $4,191,813 in loans helping members manage their finances effectively. These cards can provide you with the purchasing power you need while allowing for manageable repayments.

Loan Aggregator

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Wolverine State