Business Details
50+ Years
experience
Your Trusted Michigan Credit Union
West Michigan Credit Union, established in 1956, operates as a not-for-profit financial cooperative chartered by the State of Michigan. Governed by a member-elected board, we serve communities across Grand Rapids, Big Rapids, Reed City, Cadillac, and Manistee. Our member-owned structure prioritizes customer-centric services, offering competitive rates on checking accounts, savings, auto loans, mortgages, and credit cards. We emphasize community engagement through initiatives like book donations and local event sponsorships. Our technological offerings include online banking, mobile apps, and security features like eGuard/3D Secure.With a history rooted in family-driven growth, we maintain a mission to be the most trusted resource for improving members' financial well-being. Our leadership team brings decades of experience, ensuring personalized service across generations. We provide 24/7 account access and a network of ATMs nationwide through our debit card partnerships. Member rewards programs and educational resources like financial blogs further enhance our service ecosystem. Our culture emphasizes long-term relationships, treating members like family through life changes and financial milestones.
Services
Checking Accounts
Auto Loans
Mortgage Loans
Savings Accounts
Credit Cards
Debit Cards
Personal Loans
RV Financing
Online Banking
Community Programs
Details
- Year established: 1956
Highlights and features
- We offer member-owned cooperative banking with personalized service since 1956
- Our competitive APRs include auto loans starting at 5.99% and CD specials
- We provide 24/7 digital banking access with advanced fraud protection features
- Our community involvement includes donating over 700 books to local schools
- We maintain a 9% employer 401k contribution for team member financial security
Services
Simply Better Checking
Our flagship checking account offers identity protection, cellphone insurance, and extended warranty benefits. No minimum balance requirements with free debit card access. Designed for members seeking comprehensive financial protection and convenience features.
Auto Loan Financing
Competitive APR options for new and used vehicles with terms up to 84 months. Special rates for recent model years and flexible refinancing options. Includes Simply Secured program for credit-building opportunities.
Share Savings Account
Earn dividends on minimum $5 balances with unlimited transactions. Features monthly compounding interest and free statement access. Designed for accessible, growth-oriented savings with low entry barriers.
Mortgage Lending
Comprehensive home financing options including purchase, refinance, and construction loans. NMLS-regulated services with personalized guidance through the home buying process and investment property financing.
Digital Banking Tools
24/7 account access with mobile check deposit, eGuard security, and Visa purchase alerts. Features budgeting resources, remote card management, and instant issue replacement services for member convenience.
People
William Keim
President
Leads strategic initiatives with extensive financial cooperative experience, focusing on member-centric growth and community development.
Joseph Heintskill
Chief Executive Officer
Drives organizational vision with decades of credit union leadership, emphasizing technological innovation and financial accessibility.
Jeanene Smith
Chief Operating Officer
Manages daily operations since 2003, prioritizing member relationships and team development through personalized service approaches.
Robert Draeger
Chief Financial Officer
Oversees financial strategy with expertise in credit union fiscal management and sustainable growth practices.
Cassie Patterson
Chief Risk and Compliance Officer
Ensures regulatory compliance while balancing risk management with member-friendly financial solutions.
Questions
What membership benefits do you offer?
We provide competitive rates, identity protection, community programs, and member rewards points for all account holders.
How can I access my account remotely?
Use our mobile app for 24/7 access, including remote check deposit, card controls, and instant alerts.
What loan options are available?
We offer auto loans from 5.99% APR, mortgages, personal loans, and RV financing with flexible terms.
Are there community involvement programs?
Yes, we donate books to schools and sponsor local events like ArtPrize and Urban HayDay.
How does your credit union differ from banks?
As a member-owned cooperative, we return profits through better rates and lower fees.
What security features protect my accounts?
We use eGuard/3D Secure, instant card alerts, and biometric verification for transaction safety.
