Category Archives: Your Car

Great Rates and Local Flair

Angie M. & Family, joined 2011

Member Angie M. joined Consumers because of our auto loan rates and the ease of getting her new car loan approved. But that’s not the only reason she and her family have chosen to do their banking here. She says, “They have the same amenities that a larger bank might have, but it’s that personal touch and local flair that makes it an appealing option.” Angie describes her car buying experience: “We were in the market for a car, and a friend of ours who works at Consumers recommended we look at those interest rates. I think it was within a day and a half that we had a check and an approval and were ready to buy the car.” Angie, her husband, Aaron, and their two young daughters also love Consumers’ family-friendly service. There’s always a play area for the kids when they visit an office, and it’s fun … …continue

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How to Pay for Car Repairs: The Fourth Video in Consumers ConnectU’s May Auto Series

Consumers ConnectU - Tim

If you’ve been following our Consumers ConnectU May auto series from the beginning, you’ve learned how to buy a car, how to decide how much you can afford, and whether leasing or buying is a better decision for you. Unfortunately, you’re not done spending your money when you buy the car. How will you pay for maintenance and repairs? “You have several options for paying for repairs,” says Tim Kosak, Consumer Lending Manager at Consumers Credit Union. To learn what they are, watch the video below.

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Should I Lease or Buy My Next Car: The Third Video in Consumers ConnectU’s May Auto Series

Consumers ConnectU - Tim

When you’re looking for a new vehicle, you want to evaluate all of your options. You may wonder whether buying or leasing is better for your situation. “Both can have their benefits and pitfalls,” says Tim Kosak, Consumer Lending Manager at Consumers Credit Union. Watch the video below, the third in the Consumers ConnectU May auto series to learn how to determine which option is better for you. And if you decide to buy, don’t forget these car buying basics and review how to decide how much you can afford.

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How Much Car Can I Afford: The Second Video in Consumers ConnectU’s May Auto Series

Consumers ConnectU - Tim

When you’re ready to buy a car and think you’ve found the one for you, how do you know you can afford it? “Don’t forget to include the costs of insurance, gas, and repairs in your calculations. Some cars simply cost more to own,” says Tim Kosak, Consumer Lending Manager at Consumers Credit Union. Watch the video below, the second in the Consumers ConnectU May auto series to learn how to determine how much the car you want will really cost.

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How to Buy a Car: The First Video in Consumers ConnectU’s May Auto Series

You’ve got your eye on a new car—or one that’s new to you. “It’s time to do some homework,” says Tim Kosak, Consumer Lending Manager with Consumers Credit Union. Watch the video below, the first in the Consumers ConnectU May auto series to learn what to consider before purchasing that new vehicle.

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Your Auto Loan on Your Terms

When you apply for a loan with Consumers Credit Union, you get more than a credit check: You start a conversation. Member Bradford W. describes his experience applying for an auto loan, “Consumers pulled the same information that the bank pulled, but actually took the time to talk to me.” He adds, “I equate it to an interview process. You can look at someone’s resume and make whatever judgments you want, but when you talk to someone, you see what’s really going on with their life.” This approach to lending ensures that your loan will help you meet your financial goals, so that you can say, like Bradford, “I got the loan that I needed, on the terms that I needed.” When you’re shopping for your next car, request Consumers financing at the dealership. We have relationships with most auto dealers in West Michigan. Prefer to run the numbers for … …continue

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Our Lending Comes in All Shapes and Sizes

You know how you feel when you sit behind the wheel of your new car or you close your garage door for the first time at your new home. We do too, every time we bring a loan to a member. Your credit union is unique, because we are a lending credit union. This means we lend out money to you, the member, as monies come in. We lend nearly 100% of our monies because you deserve the opportunity to make your life better— and you are smart with your money. Some of the ways we lend include autos, mortgages, credit cards, and home equity loans. We have full service banking opportunities for you. Our Mortgage Team prides itself on offering Custom Made Mortgages. Some examples include: Hometown Mortgage: Offered to specific rural or suburban areas in West Michigan and has low or no down payment options Hi-Five Refi: Refinance … …continue

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Valuable Discounts—Just for Being a Consumers Member!

We love our members, and we love helping you to save money! To show you how much we value your membership, we’ve partnered with the following organizations to bring you special discounts exclusive to Consumers Credit Union members. FREE Accident Protection Insurance All Consumers members age 18 through 74 receive up to $1,000 of Accidental Death & Dismemberment (AD&D) Insurance through Minnesota Life Insurance Company. This valuable coverage is paid for by the credit union—at no cost to you! All you have to do is return the acceptance form when you receive your letter in the mail. Marvin Okun Insurance As a Consumers member, you can receive our group insurance discount through the Marvin Okun Insurance Agency. Discounts are available on both auto and homeowner’s insurance. For more information, call 269.349.9603 or visit their website. AAA Insurance As a valued member of Consumers Credit Union, you may be eligible for … …continue

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Debit Card Holds and Paying at the Pump: What You Need to Know

Has this happened to you? You fill up your tank, swiping your debit card at the pump, on your way to the grocery store. Once there, you load your cart with everything your family needs for the week, and slide your card to pay. But rather than handing you the receipt and sending you on your way, the cashier looks at you and says, “Your card was declined.” “That’s not possible. There must be an error,” you protest. You knew you were cutting it close with your balance, but you’ve been keeping track. You have that money in your account. And if you’re like most of the members who’ve come to us in this situation, you’d be right. That money is in your checking—but because of the amount the gas station held when you paid at the pump, that entire amount isn’t available, meaning your next transaction may overdraw your … …continue

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Need a New Car?

Your Credit Union Membership Gives You Three Great Ways To Save Consumers has three ways for our members to save on a new vehicle purchase. First, General Motors is offering all current and eligible credit union members preferred pricing on most new GM vehicles. This is in addition to the most current incentives and special offers! Depending on the vehicle, you could save hundreds, even thousands of dollars on your next new Chevrolet, Buick, or GMC vehicle purchase just for being a credit union member. Visit LoveMyCreditUnion.org to see how much you can save and request your GM Authorization Number. Second, you can save big with great low rates when you finance your new vehicle through Consumers. Contact us at 800.991.2221 to find out more about your vehicle financing options or visit www.ConsumersCU.org. Third, you’ll also save on fuel costs with GM’s high-fuel efficiency vehicles. GM offers high-fuel efficient products … …continue

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