Wolverine State Credit Union Oscoda MI | Affordable Vehicle Loans & Quick Personal Loans

Introduction

Welcome to Wolverine State Credit Union, your trusted partner in financial growth and community support, located at 201 N State St, Oscoda, MI 48750. Since our establishment in 1966, we have proudly served over 9,500 members, providing a range of services designed to meet your financial needs. Our total assets stand at an impressive $151,256,922, reflecting our commitment to stability and trustworthiness. At Wolverine State Credit Union, we understand that each member's journey is unique. That's why we offer personalized banking solutions, including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking services. With a strong focus on community impact and member satisfaction, we aim to empower you to achieve your financial goals. Our dedicated team of 49 employees, led by CEO Nicholas Montie and Board President Robert Grochowski, is here to provide exceptional service every step of the way. Whether you need assistance with online banking or have questions about loan options, we're just a phone call away at (989) 569-3221. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 201 N. State Street, Oscoda, MI 48750. We invite you to explore how we can assist you today visit our website at Wolverine State Credit Union or stop by during our lobby hours from 8:30 AM to 5:00 PM Monday through Friday. Join us in building a brighter financial future together!

Branch History & Mission

A Commitment to Innovation

As times change, so do we. At Wolverine State Credit Union, we're committed to staying ahead by embracing technology that enhances your banking experience. Our digital offerings include online banking and mobile payments that allow you to manage your finances anytime and anywhere. We also prioritize accessibility for all members. Our facilities are ADA compliant, ensuring that everyone can utilize our services comfortably. While members can visit us at 201 N State St Oscoda Mi 48750, official correspondence should be sent to 201 N. State Street, Oscoda, MI 48750 if different. Join us on this journey as we continue to grow and innovate while remaining true to our roots. Experience the benefits of becoming part of the Wolverine State family today! For more information or to open an account, please visit our website or give us a call at (989) 569-3221. We can't wait to welcome you!

Our Mission

Wolverine State Credit Union's mission is simple yet impactful: to provide exceptional financial services while fostering a spirit of community support. We believe in empowering our members by offering a range of products, including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. Our goal is to help you achieve your financial dreams while also giving back to the community we call home. In addition to offering competitive financial products, we are dedicated to enhancing the lives of our members through various outreach initiatives. Whether it's sponsoring local events or partnering with schools for educational programs, we strive to make a difference in Oscoda and surrounding areas.

Branch Location & Accessibility

Getting Here

Finding us is easy! Our location offers ample parking spaces, ensuring that you can park comfortably while you visit. For those needing additional assistance, our branch is fully equipped with ADA-compliant features, including ramps for easy access.

Operating Hours & Services

We understand that life can be busy, which is why we're open from 8:30 AM to 5:00 PM Monday through Friday. You can count on us to be there when you need us most. Need to make a quick deposit or withdrawal? Our drive-thru service allows for simple banking without leaving your car, making it even easier to fit your banking needs into your day. In addition to traditional banking services like checking and savings accounts, we offer auto loans, mortgage options, personal loans, and credit cards that come with rewards. Plus, our ATM is available for your convenience if you prefer to manage your finances on the go.

Stay Connected

While members can visit us at our physical address in Oscoda for all their banking needs, official correspondence should be sent to the same address: 201 N. State Street, Oscoda, MI 48750. If you have any questions or would like more information about our services, please don't hesitate to reach out at 989-569-3221. We invite you to stop by Wolverine State Credit Union today. Our team looks forward to helping you achieve your financial goals!

Member Eligibility

At Wolverine State, we believe that becoming a member is like joining a family that truly cares about your financial well-being. If you're looking to join us at our Oscoda branch located at 201 N State St Oscoda Mi 48750, you'll find that membership is open to anyone who lives, works, worships, or attends school in the area. This means if you're part of our vibrant community, you're already eligible! Our members enjoy benefits such as competitive rates on loans and savings accounts, personalized service, and access to a variety of financial products designed just for you. Getting started is simple! You can explore the full eligibility criteria on our website at https://www.wolverinescu.com/who-can-join/ . When you're ready to open an account, just visit us online or give us a call at (989) 569-3221. We're here to help guide you through every step of the process so that you can experience the support and resources that come with being part of Wolverine State.

Business Banking & Commercial Services

Business Loans That Empower 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 for Everyday Needs

In addition to our loan offerings, we provide essential merchant services that simplify daily operations. Imagine being able to accept payments seamlessly, manage transactions on-the-go, and keep track of your cash flow all in one place. Our services allow you to focus on what truly matters growing your business. Located at 201 N State St Oscoda Mi 48750 in Oscoda, MI, we are here to partner with you every step of the way. Connect with us today at (989) 569-3221 to explore how we can help your business thrive!

Comprehensive List Of Services

ATM and Drive-Thru Services

For quick transactions, our branch includes ATM & Cash Withdrawal Services, as well as basic drive-thru banking for deposits and withdrawals. These services allow you to handle your banking needs swiftly without stepping inside the branch.

Connect with Us

Ready to experience all that Wolverine State has to offer? We invite you to visit us at 201 N State St Oscoda Mi 48750, or give us a call at (989) 569-3221 during our operating hours from 8:30 AM to 5:00 PM Monday through Friday. Join us today and discover how we can assist you on your financial journey! For more information about our services, check out our website at Wolverine State Credit Union.

Digital Solutions for Convenience

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking solutions. You can manage your accounts anytime, anywhere whether it's checking balances, making transfers, or paying bills right from your smartphone. With features like person-to-person payments and e-statements, managing your money has never been easier.

Loans for Every Need

When it comes to financing, Wolverine State offers a variety of loan options to support your goals. Need a new car? Our Auto Loans & Vehicle Financing can get you behind the wheel faster than you think. Or perhaps you're considering buying a home? Our Mortgage Loans & Refinancing services make navigating the housing market easier. For those looking to consolidate debt or tackle unexpected expenses, our Personal Loans & Debt Consolidation options provide flexibility and peace of mind. Plus, our credit cards come with rewards that give back every time you swipe!

Personal Banking Made Easy

Whether you're looking to open a checking account for everyday transactions or a savings account to grow your funds, we have you covered. Our Personal Banking options are designed with you in mind. Imagine having a checking account that not only simplifies your daily expenses but also offers features like online banking and mobile payments for quick access on-the-go.

Supporting Local Businesses

We're proud to support local entrepreneurs through our Business Banking services. Whether you need merchant services or business loans, we understand the unique challenges small businesses face and are here to help you thrive.

Digital & Online Banking

Key Features

One standout feature is the ability to sign documents electronically through our electronic signature authorization option. This means you can complete transactions without needing to visit a branch. Additionally, you'll love the option of receiving e-statements, which not only helps you stay organized but also reduces paper clutter. For those on the go, our mobile application makes banking even simpler. With just a tap on your phone, you can manage your account, pay bills, and even make mobile payments at participating merchants. Want to send money to friends or family? Our person-to-person transfers make it quick and hassle-free. At Wolverine State, we prioritize security with advanced measures to keep your information safe while you bank online. You can trust us to provide a user-friendly experience that allows you real-time access to your financial data. Discover how easy banking can be with Wolverine State's digital offerings! Visit us today at https://www.wolverinescu.com/ for more information and take control of your finances like never before.

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 understand that trust is built through consistent performance and transparent operations. That's why we're proud to share our financial strength with you. 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 $994 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 your financial goals with $1,297 in used auto loans and $91,169,164 in total loans and leases. Our operational efficiency is reflected in our $680,316, which 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. Total Share Accounts stand at 23,286, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments amount to $738,022, showcasing our commitment to serving our community effectively. 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 201 N State St Oscoda Mi 48750 or call (989) 569-3221 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.

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 offer flexible terms and refinancing options to ensure you find the best fit for your budget.

Business Financing

For business owners looking for growth opportunities, our outstanding commercial loans totaling $9,800,572 provide the capital needed to expand your operations. We know how crucial it is for businesses to have reliable funding sources. Our experienced team is here to assist you with any questions regarding eligibility options or refinancing opportunities available for each loan type. You can reach us at (989) 569-3221 or visit us at our branch located at 201 N State St Oscoda Mi 48750 in Oscoda, MI. For more information on how we can help you meet your financial needs or to start your application process today, please visit our website: Wolverine State Credit Union. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.

Credit Lines and Unsecured Loans

For those who need quick access to cash or want to manage unexpected expenses more easily, our total credit lines stand at $10,000,000. Additionally, 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.

Mortgage Loans

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 guide you through every step of the process so that you can focus on what matters most making your house a home.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With an emphasis on transparency and reliability, LendMesh serves as a trusted resource for borrowers seeking to make informed decisions. 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. By relying on verified data, LendMesh eliminates the guesswork often associated with loan comparisons. One significant advantage of using LendMesh is its commitment to providing verified data. Loan offers are sourced from legitimate financial institutions, ensuring that users can trust the information they receive. Additionally, there are no sponsored listings on the platform; lenders are not prioritized based on paid promotions. This commitment to impartiality allows users to see all available options without any bias. LendMesh also excels in offering real-time rate comparisons, allowing users to access up-to-date loan rates from multiple institutions. This feature empowers borrowers to compare different offers easily and make well-informed decisions tailored to their needs. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of LendMesh in helping individuals secure better financing options. 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