Business Details
50+ Years
experience
Your Trusted Partner for Financial Services in Escanaba, MI
We take pride in our 75-year legacy of serving Delta County, rooted in our founding in 1949 by Harnischfeger Corporation employees. Through strategic mergers and community-focused growth, weve evolved into a trusted financial institution serving nearly 9,000 members. Our team combines decades of local expertise with a commitment to adapting to modern financial needs while maintaining the personal touch that defines us.As a member-owned cooperative, we prioritize your financial success through competitive rates, personalized service, and comprehensive solutions for savings, loans, and investments. Our dedication to community development and financial education underscores our role as a pillar of the regions economic well-being.
Services
Savings Accounts
Checking Accounts
Auto Loans
Mortgage Loans
Personal Loans
Credit Cards
Share Certificates
IRAs/HSAs
Wire Transfers
Instant Deposit
Details
- Year established: 1949
Highlights and features
- Weve served Delta County for over 75 years with deep community roots
- Competitive loan rates and flexible mortgage options available
- Personalized service from locally-based financial professionals
- Comprehensive financial education and youth savings programs
- Member-owned structure prioritizing customer needs over profits
Services
Auto Loans
Competitive financing options for new vehicles up to 5 years old with benefits including zero down payment and flexible mileage options. Qualified members can access rates starting at 5.00% APR with terms up to 84 months for qualified borrowers. Our process simplifies vehicle ownership while maintaining affordability.
Mortgage Loans
Flexible home loan solutions featuring fixed and adjustable-rate mortgages, FHA/VA options, and land loans. Our experts provide personalized guidance for first-time buyers or seasoned homeowners seeking competitive rates and down payment assistance programs tailored to local markets.
Savings Accounts
Start with a $5 minimum deposit to gain membership access to dividend-earning savings accounts. Enjoy tiered rates with youth programs, Christmas clubs, and certificates offering returns up to 4.00% APY for qualified balances with terms up to 60 months.
Credit Card
Low-rate credit options with rewards programs and no annual fees. Access 24/7 account management through mobile apps while earning cashback opportunities at scorecardrewards.com, with APRs starting at 6.90% based on creditworthiness.
Personal Loans
Flexible borrowing solutions for debt consolidation or major purchases with terms from 24 to 180 months. Rates start at 8.50% APR for qualified borrowers, including credit builder programs to help establish financial credibility for new members.
Questions
What are your current auto loan rates?
New vehicle loans start at 5.00% APR for 36 months with rates up to 15.00% depending on creditworthiness and loan term length.
How can I become a member?
Membership requires living, working, or having family ties within Delta County, or employment with specific partner organizations.
Do you offer mortgage refinancing?
Yes, we provide conventional and government-backed mortgage options including refinancing for qualified homeowners.
What youth financial programs exist?
We offer youth savings accounts with stamp rewards and educational programs to teach financial responsibility to children.
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