• Self-Directed Investments

• Consumers Investments

• Online Trading

• Seminars

Contact Us

• Member Service & VoiceAccess
  800.991.2221

• Mailing Address
  PO Box 525
  Oshtemo, MI 49077-0525

"My money works for me." From kids to graduation... and starting her own business... to becoming a motivational speaker: Changing needs have made Consumers the perfect fit for Theresa and her family.   Member Theresa R. started her Home Health Care business about ten years ago. She’s also a registered nurse, motivational speaker, and busy mom of four. "I’ve had some rough patches," she admits, "but Consumers has always had my back financially."   And while many people use the drive thru to save time, Theresa wouldn’t dream of it. She prefers to come in and see her friends... her family... at Consumers.   When Theresa first walked through the doors of the West Main Office in 2002, she was just starting her business. "I didn’t get the loan at the time, but I did get solid financial advice."   After working with Consumers, the loans came, and so did a long–term relationship built on mutual trust. Today, Theresa is an industrious businesswoman with a thriving home health care business, serving mainly elderly clients.   She also believes Consumers prepared her for the recent recession and feels lucky she wasn’t one of the ones running for cover; adding, "It’s not just a bank where you put your money—you get advice on how to have your money work for you."   All her personal and business banking needs are met through Consumers—checking, CDs, car loans, business loans, her mortgage, and even the kids’ CDs. Today, her 18–year old son is away at college and buying a duplex. He’s made investments. He’s light years ahead of others his age.   "He started saving with a $5 kids’ account and eventually worked up to a $100 youth CD," she says. "Consumers taught him about banking." Now, Theresa is introducing her youngest child (age 3) to the benefits of banking at Consumers. The family tradition continues.   "If you don’t bank at Consumers, I’m sorry, you’re truly missing out."   –Theresa, joined 2002

Self-Directed Investment Products

Savings / Share Accounts

You can enjoy an unlimited number of savings accounts, each named for your special financial planning needs. The accounts are flexible and deposits can be made in person or electronically through direct deposit, Online Banking, or at an ATM.

Christmas Savings

A Christmas Savings Account is an easy way to save for holiday expenses, without having to rely on your credit card. You’ll earn a great rate, plus have less stress next holiday season. And, you’ll find direct deposit the most consistent way to save! Simply set a small amount aside to be deducted from your paycheck automatically. You’ll love having extra money for Christmas!

To open a Christmas Savings account, call us at 800.991.2221 or go to Online Banking and select Open an Account under the Accounts drop menu.

CDs

You may select from a variety of Certificate of Deposit programs, all of which earn excellent rates. Terms range from 6 months to 5 years, with minimum opening deposits starting as low as $1,000. We also offer promotional CDs with special rates and terms.

For a guaranteed return on your investment, consider a Consumers CD. Protected by NCUA insurance up to $250,000. Click here to view your NCUA insurance coverage.

Money Market Accounts

With a money market account, you'll earn excellent rates plus enjoy the convenience of making unlimited deposits and withdrawals. Investment levels start at just $2,500. As your balance increases, so will your rate of return.

There are no monthly fees and 24–hour access is available via your debit card. You'll also enjoy Online Banking access and NCUA coverage up to $250,000. Click here to view your NCUA insurance coverage.

IRAs

A Money Market IRA from Consumers is a smart way to save for your retirement. The account can be opened with a small deposit, and added to via direct deposit. Dividends compound monthly and are tax-deferred until withdrawal. Once you’ve accumulated $1,000, you can move the investment to a traditional CD IRA.

CD IRAs earn great rates with just a $1,000 opening deposit. Terms range from 6 to 60 months. Funds in your Consumers Money Market or CD IRA are federally insured up to $250,000 (and $500,000 for joint accounts). Important tax benefits may also be available with your IRA. See your tax advisor for details.

Other programs include the Roth and Educational IRAs.