Business Details
50+ Years
experience
Your Trusted Financial Partner in Clawson, MI
T&I Credit Union has served Michigan communities since 1955, rooted in the principles of member ownership and financial empowerment. Originally established by 12 Ford Tractor Employees in Birmingham, we evolved through strategic growth while maintaining our commitment to personalized service. Our cooperative structure ensures every member holds an equal stake, with voting rights and access to competitive financial products. We specialize in tailored solutions including savings accounts, personal loans, mortgages, and business banking, supported by 24/7 digital tools and a Tele-Line for immediate assistance.Our community focus extends to financial literacy programs, free notary services, and local charitable initiatives. With physical locations in Clawson and surcharge-free ATM access nationwide, we combine modern convenience with decades of trusted expertise to meet diverse financial needs.
Services
Savings Accounts
Personal Loans
Mortgage Loans
Digital Banking
Credit Cards
Auto Loans
Business Banking
Financial Education
Shared Branching
Safety Deposit Boxes
Details
- Year established: 1955
Highlights and features
- We offer 24/7 Tele-Line banking for immediate account access
- Free notary services available to all members
- Surcharge-free access to 30,000+ ATMs nationwide
- Community-focused financial literacy programs for all ages
- Personalized loan solutions with competitive APR options
Associations and certifications
- NCUA
What people say
Convenient location
Knowledgeable staff
Decades of service
Personalized solutions
Community involvement
Services
Personal Loans
T&I Credit Union offers flexible personal loan options including signature loans, share secured loans, and life event financing. These unsecured and collateral-based loans feature competitive APRs determined by creditworthiness, with terms up to 72 months. Our lending specialists work closely with members to create customized repayment plans that align with individual financial goals and budgetary constraints.
Savings Accounts
Our savings solutions include regular share accounts, holiday savings, vacation accounts, and children's savings programs. Members benefit from low minimum balances, quarterly compounding interest, and specialized accounts for specific financial goals. The children's program includes educational components and deposit match incentives to foster early financial literacy through practical savings experience.
Digital Banking
24/7 digital banking provides account access, bill payment, fund transfers, and mobile check deposit capabilities. The SavvyMoney platform offers credit score monitoring, personalized financial tips, and real-time alerts. Our secure online portal and mobile app integrate seamlessly with all account types for comprehensive financial management from any device.
Shared Branching
As part of the Shared Branching network, members gain nationwide access to over 5,000 credit union locations for deposit and withdrawal transactions. This service allows convenient in-person banking while maintaining account relationships with T&I Credit Union, with full transactional capabilities matching our home branch services.
Financial Education
We provide comprehensive financial literacy resources including Banzai partnership programs, credit counseling, and youth financial education initiatives. Our educational tools cover budgeting fundamentals, savings strategies, and investment basics through interactive online modules and community workshops tailored to different age groups and financial situations.
Questions
What counties does T&I Credit Union serve?
We serve residents, workers, and worshippers in Lapeer, Livingston, Macomb, Oakland, St. Clair, Washtenaw, and Wayne counties across Michigan.
Can I access my account outside business hours?
Yes, our 24/7 Tele-Line and online banking platforms allow account access, fund transfers, and bill payments at any time through secure digital channels.
What loan options are available for bad credit?
Our Share Secured Loans use savings as collateral, making them accessible for members building credit history while maintaining savings growth opportunities.
How do I find surcharge-free ATMs?
Use the MoneyPass locator tool to find over 30,000 surcharge-free ATMs nationwide. Simply search by location or download our mobile app for real-time ATM mapping.
What youth financial programs exist?
Our Children's Shares Account includes educational components, deposit matches, and financial literacy resources designed to teach money management skills to young savers.
How does shared branching work?
Shared Branching members can conduct transactions at 5,000+ participating credit unions nationwide while maintaining their primary account relationship with T&I Credit Union.
