First Area Credit Union

First Area Credit Union has served the Saginaw County community since 1961, providing personalized financial solutions to individuals, families, and businesses. Our mission centers on delivering exceptional member service through two conveniently located branches that offer identical professional support. We specialize in checking and savings accounts, competitive loan programs, credit card options, and innovative online banking tools designed to meet modern financial needs. With a focus on community engagement, we extend membership eligibility to residents, workers, and students within Saginaw County, along with their immediate families. Our lending portfolio includes auto loans with rates starting at 6.25% APR for terms up to 72 months, personal loans, and mortgage options tailored to diverse financial situations.

As a federally insured institution regulated by the National Credit Union Administration, we maintain strict compliance with financial standards while adhering to Fair Housing and Equal Opportunity Credit Act principles. Our technology-driven services like Remote Deposit Capture and virtual reloadable cards demonstrate our commitment to evolving with member needs. Through initiatives like the Round Up & Save program, we actively promote financial literacy and savings habits within our community. Our experienced team remains dedicated to maintaining transparent operations, with clear fee structures and detailed loan disclosures available upon request. We continually seek to enhance accessibility by extending weekday hours and maintaining secure digital platforms for account management.