Wolverine State Credit Union Alpena MI | Best Auto Loans & Checking

Introduction

At Wolverine State Credit Union, we believe in the power of community and the importance of building lasting relationships with our members. Located at 417 W Chisholm St, Alpena, MI 49707, our branch has been serving the local community since 1966. With a strong commitment to providing exceptional financial services, we proudly support over 9,500 members with a focus on their unique needs and aspirations. As a member-owned institution, we prioritize your financial well-being above all else. Our total assets amount to an impressive $151,256,922, which enables us to offer a wide range of products, including personal banking services, auto loans, mortgage options, and business banking solutions. With total deposits reaching $17,129,695, our stability is a testament to the trust placed in us by our valued members. Led by our dedicated CEO, Nicholas Montie, and Board President Robert Grochowski, we are here to guide you on your financial journey. Our team of 49 employees is ready to provide personalized assistance whether you're looking for guidance on loans or simply need help managing your accounts. We understand that navigating financial choices can be overwhelming; that's why we're committed to being your trusted partner every step of the way. While you can visit us at our branch for face-to-face interactions, feel free to reach out via phone at 989-354-2850 or explore our website at wolverinescu.com for more information about our services. Join us today and discover how Wolverine State Credit Union can help you achieve your financial goals while making a positive impact in the Alpena community!

Branch History & Mission

Welcome to the Wolverine State Credit Union, located at 417 W Chisholm St, Alpena, MI 49707. Since opening our doors in 1966, we have proudly served our community with a commitment to providing exceptional financial services. Over the years, we've grown from a small credit union into a trusted institution with over 9,500 members and total assets exceeding $151 million. Our journey is one of dedication and growth, reflecting the spirit of Alpena. Our mission is clear: to improve the financial well-being of our members while actively supporting the community around us. We believe that when our members succeed, so does our community. This philosophy guides us as we offer a range of services, including personal banking, auto loans, mortgages, and business banking solutions. At Wolverine State Credit Union, we understand that accessibility is crucial. That's why we provide not only traditional banking options but also modern conveniences such as online and mobile banking. Our commitment to digital advancements ensures that you can manage your finances conveniently and securely from anywhere. In addition to our services, we take pride in being an active part of the Alpena community. Through various outreach efforts and partnerships with local organizations, we aim to give back and support initiatives that make our city a better place for everyone. While members can visit us at our branch on Chisholm Street for all their banking needs, official correspondence should be sent to the same address listed above. Our doors are open Monday through Friday from 8:30 AM to 5:00 PM and Saturday for drive-thru service from 9:00 AM to 12:00 PM. We also offer ATM availability for quick access to your funds whenever you need them. We invite you to join Wolverine State Credit Union and become part of a community-focused institution dedicated to helping you reach your financial goals. Experience the benefits of membership today by visiting us or calling at 989-354-2850!

Branch Location & Accessibility

Accessibility Features

At Wolverine State, we prioritize accessibility. Our branch is fully ADA compliant, featuring ramps and spacious entryways to accommodate everyone. Ample parking is available nearby, so you can visit us without hassle. Whether you're coming in for personal banking services or to discuss loan options, we've made sure that your experience is comfortable and welcoming.

Operating Hours

We're here for you Monday through Friday from 8:30 AM to 5:00 PM. On Saturdays, enjoy our drive-thru service from 9:00 AM until noon. This flexible schedule allows you to manage your finances on your terms.

Services Offered

Our friendly staff is ready to assist you with a range of services including checking and savings accounts, auto loans, mortgage options, and credit cards with rewards. We also offer convenient online and mobile banking solutions, so you can manage your account anytime, anywhere. For those who prefer face-to-face transactions, our drive-thru facility is open on weekends for quick deposits and withdrawals. Plus, if you need cash on the go, we have an ATM available right at our location. While members can visit us at 417 W Chisholm St., official correspondence should be sent to the same address as our mailing address. Feel free to reach out at 989-354-2850 if you have any questions or need assistance before visiting. We look forward to welcoming you soon!

Member Eligibility

At Wolverine State, we believe in creating a welcoming community where everyone can thrive. If you're looking to join us at our branch located at 417 W Chisholm St Alpena Mi 49707, we're excited to share that becoming a member is both easy and inclusive! You'll find that eligibility is open to anyone who lives, works, or attends school in our local area, as well as their family members. This means that whether you're starting your first bank account or seeking financial guidance, you can benefit from the personalized services and support we offer. For more specific details about who can join us, feel free to check out our eligibility criteria at https://www.wolverinescu.com/who-can-join/ . Ready to take the next step? Opening an account with Wolverine State is straightforward! We invite you to visit our account opening page here: https://loans.itsme247.com/132 ?logouturl= https://www.wolverinescu.com . If you have any questions or need assistance during the process, don't hesitate to reach out to us at (989) 354-2850. Join us today and experience the advantages of being part of the Wolverine State family!

Business Banking & Commercial Services

Commercial Loans for Growth

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 that Work for You

In addition to our loan offerings, we provide essential merchant services designed to simplify transactions and enhance customer experiences. Imagine having the ability to process payments easily and securely, allowing you to focus on what really matters growing your business. Our services ensure you have everything you need at your fingertips so that you can serve your customers better. Visit us at 417 W Chisholm St Alpena Mi 49707 in Alpena, MI, or give us a call at (989) 354-2850 to learn more about how we can support your business journey!

Comprehensive List Of Services

ATM & Drive-Thru Services

For those who prefer face-to-face interactions or need quick cash, our branch features both ATM services and drive-thru banking. This means you can make deposits, withdrawals, and other simple transactions without stepping inside the branch perfect for busy days!

Contact Us

If you have any questions about our services or want to learn more about how Wolverine State can support your financial goals, don't hesitate to reach out! Call us at (989) 354-2850, or visit us during our lobby hours from 8:30 AM to 5:00 PM Monday through Friday, or drive-thru service on Saturday from 9:00 AM to 12:00 PM. Join us at Wolverine State Credit Union where community meets convenience! Whether you're opening an account or taking out a loan, we're here for every step of your financial journey. Visit us today!

Convenient Digital Banking

In today's fast-paced world, having quick access to your finances is crucial. That's why we offer robust online and mobile banking options. With just a few clicks, you can manage your accounts, pay bills, or transfer money using our mobile application. You can also take advantage of person-to-person payment features for easy transactions with friends and family.

Loans and Credit Options

Life can throw unexpected expenses your way, and that's where our personal loans and debt consolidation services come into play. We provide flexible credit cards with rewards, allowing you to earn while you spend. For small business owners, our business banking services include merchant services and business loans that enable you to grow your enterprise.

Personal Banking

Whether you're just starting out or looking to manage your wealth, our personal banking options cover all bases. We offer checking and savings accounts designed to help you save for the future while enjoying easy access to your funds. Need a vehicle? Our auto loans and vehicle financing options can help you hit the road in no time. If homeownership is on your horizon, explore our mortgage loans and refinancing solutions that make owning a home more achievable.

Digital & Online Banking

Easy Access to Your Accounts

Our 24/7 online banking service ensures that you can check balances, transfer funds, and pay bills whenever it suits you. Whether you're at home or on the go, real-time account management is just a login away. Plus, with our mobile application available, banking has never been easier. You can deposit checks using your smartphone camera, making it simple to manage your finances without visiting a branch.

Innovative Payment Options

If you've ever needed to send money to a friend or family member instantly, our person-to-person transfer feature is here for you. It allows you to send money directly from your account to theirs with ease. Additionally, our mobile payments feature lets you make purchases securely right from your phone. At Wolverine State, we strive to combine convenience with security in all our digital banking offerings. Experience the ease of managing your finances on your terms today!

Secure and User-Friendly Features

Security is our top priority at Wolverine State. We utilize electronic signature authorization for documents, allowing you to complete transactions quickly and safely from anywhere. You also have the option of receiving e-statements, reducing paper clutter while keeping your financial information secure and accessible at all times.

Financial Strength

Growing Member Base

Total Share and Deposit Accounts stand at 23,286, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $738,022. 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 417 W Chisholm St Alpena Mi 49707 or call (989) 354-2850 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our efforts have resulted in a $680,316 that 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 43 full-time employees and 6 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting in Our Members

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 your financial goals with $1,297 in used auto loans and $91,169,164 in total loans and leases.

Secure Savings Options

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.

Solid Financial Health

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 commitment to your financial well-being is reflected in our net worth ratio of $994, which demonstrates a solid capital foundation. This ensures 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 $15,278,956 in used vehicle loans and $7,055,996 in new vehicle loans already helping members get on the road, we make it easy for you to drive away with confidence. Whether you're purchasing your first car or upgrading your current one, our team is here to guide you through the process.

Business Loans

For business owners looking to grow their operations, we have outstanding commercial loans totaling $9,800,572. These loans provide the capital needed to expand and thrive in today's competitive market.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $2,145,605, making buying or refinancing simple. We offer competitive rates and flexible terms to help you secure the home you've always wanted.

Refinancing Options

If you're considering refinancing any existing loans or mortgages for better rates or terms, our team can assist you in exploring eligibility options that suit your financial situation. At Wolverine State Credit Union, we believe in empowering our members through financial education and personalized service. 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 loan offerings today and see how we can help you reach your financial goals!

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $4,191,813 in loans helping members effectively manage their finances. With no collateral required and easy payment plans available, our credit cards are designed to fit your lifestyle.

Loan Aggregator

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 all offers presented are fair and transparent. By connecting users with verified financial institutions, LendMesh guarantees that the information you receive is both accurate and trustworthy.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Users can access up-to-date loan rates from multiple institutions, helping them make informed decisions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights the effectiveness of LendMesh in finding competitive rates tailored to individual needs. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Wolverine State