Business Details
50+ Years
experience
Your Trusted Michigan Credit Union Partner
Founded in 1956, we have grown from a small state employees' credit union to a full-service financial institution serving Michigan communities. Our core values of knowledge, engagement, and innovation drive our commitment to providing expert financial guidance through continuous staff training and personalized service. As a member-owned cooperative, we prioritize community-focused initiatives and offer competitive financial benefits including lower loan rates, higher savings returns, and reduced fees. Our convenient access options include free online and mobile banking, thousands of nationwide ATMs, and six physical branches across Michigan.We operate under the principles of 'People Helping People,' ensuring every member has an equal voice and ownership stake. Our board of directors consists of unpaid volunteers elected by members, reflecting our democratic structure and dedication to member interests. With over six decades of service, we continue to evolve while maintaining our mission to empower financial success through trusted partnerships and community investment.
Services
Personal Loans
Home Equity Loans
Mortgages
Checking Accounts
Savings Accounts
Credit Cards
Certificate of Deposit
Retirement Accounts
Mobile Banking
Bill Pay Services
Details
- Year established: 1956
Highlights and features
- We are member-owned with equal voting rights for all members
- We offer lower loan rates and higher savings returns than traditional banks
- We provide 24/7 access to 30,000+ surcharge-free ATMs nationwide
- We maintain a community-focused approach with local decision-making
- We return earnings to members through improved financial products
Services
Personal Loans
We offer flexible personal loan options with competitive interest rates for various financial needs. Our unsecured loans provide quick access to funds for debt consolidation, major purchases, or unexpected expenses. Members benefit from personalized loan terms tailored to individual financial situations and credit profiles.
Mortgages
Our comprehensive mortgage solutions help members achieve homeownership with conventional and government-backed loan options. We provide competitive fixed and adjustable-rate mortgages with personalized guidance throughout the home buying process. Special programs support first-time homebuyers and refinancing opportunities.
Checking Accounts
We offer multiple checking account options including HSA and youth accounts with no monthly maintenance fees. Features include free online bill pay, mobile check deposit, and nationwide ATM access. Account holders enjoy convenient digital banking tools and overdraft protection options.
Savings Accounts
Our savings products include standard accounts, certificates of deposit, and retirement accounts with competitive interest rates. Members can choose from various term lengths for CDs and benefit from compound interest growth. Special savings programs help achieve specific financial goals.
Credit Cards
We provide multiple credit card options with rewards programs and competitive interest rates. Features include fraud protection, mobile wallet integration, and credit-building opportunities. Cardholders enjoy 24/7 account access and customizable spending controls through our mobile app.
People
Stephen Witt
Chair
Stephen Witt leads our board of directors with extensive financial governance experience. He ensures strategic oversight and adherence to cooperative principles while representing member interests in organizational decision-making.
Mark Richter
President/CEO
Mark Richter directs overall operations with decades of credit union leadership experience. He focuses on implementing innovative financial solutions while maintaining our community-focused mission and member-centric approach.
Karen Wietzke
Vice Chair
Karen Wietzke serves as Vice Chair with deep understanding of member needs and financial services. She contributes strategic guidance while maintaining our cooperative values and community development initiatives.
Tammy Schwalm
COO
Tammy Schwalm oversees daily operations with expertise in credit union management. She ensures efficient service delivery across all branches while implementing technology enhancements for improved member experience.
Michelle Ross
CFO
Michelle Ross manages financial operations with professional accounting expertise. She maintains fiscal responsibility while optimizing financial products and services to benefit our member-owners.
Questions
How do I become a member?
You can join if you live, work, worship, or attend school in Michigan. Apply online, visit any branch, or call us at (989) 910-5135 for assistance.
What services are available through mobile banking?
Our mobile app offers account management, bill pay, mobile check deposit, card controls, loan applications, and secure messaging 24/7 from any smartphone.
Are my deposits insured?
Yes, all deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA), backed by the U.S. government.
Do you offer 24-hour access?
Yes, we provide 24/7 access through ATMs, mobile banking, and our 24 Teller phone service for account management at any time.
How does credit union ownership work?
Each member has equal ownership with one vote in board elections. We return earnings to members through better rates and lower fees instead of paying stockholders.
What loan options are available?
We offer personal loans, mortgages, home equity loans, auto loans, and credit cards with competitive rates and flexible terms for qualified members.
