Consumers Credit Union with offices in Coldwater, Holland, Kalamazoo, Lawton, Portage and South Haven

At Consumers Credit Union, we provide solutions for your business needs. Our Business Services Division enables us to offer you, our business member and valued partner, a wide array of products and services that will save you time and money. In turn, you’ll be able to concentrate on
what’s important – operating your business. As a business owner, we understand the many challenges you face daily. Like you, we value the relationships we form with our clients. That’s why we look to the future, as we focus on establishing strong business and personal relationships for generations to come.

Unlike bank mergers and acquisitions where relationships are often sacrificed, Consumers wants to make it easier for you to obtain the personal service you deserve. At Consumers Credit Union, you’ll benefit from local decision making, without the bureaucracy. We can visit you at your business; and rest assured, when you talk to Consumers, you’re talking to a loan officer who can make decisions.

Business Loans
Business Real Estate Mortgages
At Consumers Credit Union, you can obtain financing for virtually all of your Business Mortgage needs. Our rates and closing costs are competitive, saving you money. We can finance your new real estate purchase, or refinance a current business mortgage to help your business grow.

Real estate purchases
Refinancing options
Construction loans
Favorable terms based on your needs

Term Loans
Business Term Loans are also available at Consumers. We can finance your business vehicles, equipment, and consolidate debts to make your finances more manageable. You’ll save money with great rates, and you can make payments online for added convenience.

Business vehicle loans
Business equipment loans
Debt consolidation loans

Lines-of-Credit
We offer a multitude of programs to satisfy your business Line-of-Credit needs. These products enable you to gain short-term working capital, can help with inventory purchases and discounts, and are revolving in nature. As you repay your credit line, it is replenished for future use.

Provide short-term working capital for added cash flow
Assist with inventory purchases and inventory discounts
Revolving in nature to be used again and again

Free Interest Business Checking

A Consumers free Interest Business Checking Account is designed to save you time and money. The key benefit is a tiered rate structure for higher earning power, without the need for confusing “sweep” accounts. (We’re able to pay interest on business checking without the need for sweep accounts.)

Other features of the account include unlimited free ACH credits, 100 free debits per month, $1,500 free cash deposited per day, no charge per deposit, plus a free business Debit Card, with dual name lines. A business Visa is also available.

Business Checking
We offer an excellent Business Checking program to save you money. Along with your Checking Account, you’ll enjoy the convenience of a free Debit Card. Make deposits, cash withdrawals and purchases 24 hours a day.

Unlimited free ACH (electronic) credits
100 free debits per month (any withdrawal from the account i.e. cash, check, etc...)
150 free checks deposited per month
$1,500 free cash deposited per day
No charge per deposit

Contact a Consumers Representative for more pricing information.

Business Savings

As a business member, you can take advantage of a variety of Business Savings options. You’ll earn more for your money and have peace of mind with NCUA Insurance protection.

Member Business Savings earns interest on balances over $50
Money Market Savings earns interest on excess funds
CD options available for your business for longer term investments

CD and Money Market Promotions limited to $250,000 per business member.

Business Platinum Visa with Rewards

You can apply for a Business Platinum Visa offering credit limits as high as $50,000. You’ll save money with no annual fee and a 25-day grace period, and have the option of making payments online. Dual name lines are also available. For easy recordkeeping, you’ll receive an itemized listing of purchases and cash advances. And you’ll earn points every time you use your Platinum Visa. Points can be redeemed for gifts and travel.

Debit Cards
For your convenience, you can use your Debit Card with either of your Consumers Business Checking Accounts. All transactions will be detailed on your monthly Checking Account Statement. For ease in purchases, your Business Debit Card can be used anywhere MasterCard is accepted. Make deposits, cash withdrawals and purchases, at your convenience, 24 hours a day.

PC Banking

Consumers Credit Union offers another time saving service for business members. You can access all your business accounts with free PC Banking.. You can view transactions, make transfers, access your credit line and make loan payments, at your convenience.

Bill Pay

Consumers' online Bill Pay is priced competitively for your business account. It’s a great convenience, and will save you money by eliminating unwanted postage expense. Online Bill Pay will also save you time, by eliminating the task of writing checks to pay bills.

Enjoy all of these value-added services:

One-Touch Telephone Banking – offering 24-hour convenience
Extended Phone Center hours – for more convenience
Many free ATMs for you to use
Convenient Direct Deposit solutions for your business and employees’ payroll
Credit Union membership to enhance your employee benefit package

Save money with free business interest checking, free debit card, Platinum Visa with rewards, business mortgages and more.

	Business Services At Consumers Credit Union, we provide solutions for your business needs. Our Business Services Division enables us to offer you, our business member and valued partner, a wide array of products and services that will save you time and money. In turn, you’ll be able to concentrate on what’s important – operating your business. As a business owner, we understand the many challenges you face daily. Like you, we value the relationships we form with our clients. That’s why we look to the future, as we focus on establishing strong business and personal relationships for generations to come. Unlike bank mergers and acquisitions where relationships are often sacrificed, Consumers wants to make it easier for you to obtain the personal service you deserve. At Consumers Credit Union, you’ll benefit from local decision making, without the bureaucracy. We can visit you at your business; and rest assured, when you talk to Consumers, you’re talking to a loan officer who can make decisions. Business Loans Business Real Estate Mortgages At Consumers Credit Union, you can obtain financing for virtually all of your Business Mortgage needs. Our rates and closing costs are competitive, saving you money. We can finance your new real estate purchase, or refinance a current business mortgage to help your business grow. Real estate purchases Refinancing options Construction loans Favorable terms based on your needs Term Loans Business Term Loans are also available at Consumers. We can finance your business vehicles, equipment, and consolidate debts to make your finances more manageable. You’ll save money with great rates, and you can make payments online for added convenience. Business vehicle loans Business equipment loans Debt consolidation loans Lines-of-Credit We offer a multitude of programs to satisfy your business Line-of-Credit needs. These products enable you to gain short-term working capital, can help with inventory purchases and discounts, and are revolving in nature. As you repay your credit line, it is replenished for future use. Provide short-term working capital for added cash flow Assist with inventory purchases and inventory discounts Revolving in nature to be used again and again Free Interest Business Checking A Consumers free Interest Business Checking Account is designed to save you time and money. The key benefit is a tiered rate structure for higher earning power, without the need for confusing “sweep” accounts. (We’re able to pay interest on business checking without the need for sweep accounts.) Other features of the account include unlimited free ACH credits, 100 free debits per month, $1,500 free cash deposited per day, no charge per deposit, plus a free business Debit Card, with dual name lines. A business Visa is also available. Business Checking We offer an excellent Business Checking program to save you money. Along with your Checking Account, you’ll enjoy the convenience of a free Debit Card. Make deposits, cash withdrawals and purchases 24 hours a day. Unlimited free ACH (electronic) credits 100 free debits per month (any withdrawal from the account i.e. cash, check, etc...) 150 free checks deposited per month $1,500 free cash deposited per day No charge per deposit Contact a Consumers Representative for more pricing information. Business Savings As a business member, you can take advantage of a variety of Business Savings options. You’ll earn more for your money and have peace of mind with NCUA Insurance protection. Member Business Savings earns interest on balances over $50 Money Market Savings earns interest on excess funds CD options available for your business for longer term investments CD and Money Market Promotions limited to $250,000 per business member. Business Platinum Visa with Rewards You can apply for a Business Platinum Visa offering credit limits as high as $50,000. You’ll save money with no annual fee and a 25-day grace period, and have the option of making payments online. Dual name lines are also available. For easy recordkeeping, you’ll receive an itemized listing of purchases and cash advances. And you’ll earn points every time you use your Platinum Visa. Points can be redeemed for gifts and travel. Debit Cards For your convenience, you can use your Debit Card with either of your Consumers Business Checking Accounts. All transactions will be detailed on your monthly Checking Account Statement. For ease in purchases, your Business Debit Card can be used anywhere MasterCard is accepted. Make deposits, cash withdrawals and purchases, at your convenience, 24 hours a day. PC Banking Consumers Credit Union offers another time saving service for business members. You can access all your business accounts with free PC Banking.. You can view transactions, make transfers, access your credit line and make loan payments, at your convenience. Bill Pay Consumers' online Bill Pay is priced competitively for your business account. It’s a great convenience, and will save you money by eliminating unwanted postage expense. Online Bill Pay will also save you time, by eliminating the task of writing checks to pay bills. Enjoy all of these value-added services: One-Touch Telephone Banking – offering 24-hour convenience Extended Phone Center hours – for more convenience Many free ATMs for you to use Convenient Direct Deposit solutions for your business and employees’ payroll Credit Union membership to enhance your employee benefit package Save money with free business interest checking, free debit card, Platinum Visa with rewards, business mortgages and more.
	Welcoming all individuals who live or work in Allegan, Barry, Branch, Berrien, Cass, Calhoun, Kalamazoo, Kent, Ottawa, St. Joseph, or Van Buren Counties, Michigan. It’s easy to become a member!
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