Letter From The President
Happy Summer Credit Union Family!
Summer is here and Michigan is a wonderful
place to be. Whether you love exploring the
glorious sand dunes or the beautiful lakes, we can
help you explore with a Recreational Vehicle loan.
We offer very competitive loan rates and
exceptional service.
Be sure to read the full newsletter to learn about
some of the exciting things happening. Here are a
few highlights:
• July 14-18 is Youth Week for our members 18
years old and younger. Be sure to visit our
website or stop by one of our branches to be
entered into a drawing for cash!!
• If you use Online Banking or our Mobile App,
please take note of the new security changes
coming in August.
You can stay informed by liking our Facebook
page, visiting our website, texting 231-722-7285,
e-mailing us, or if you call, we still answer our
phones.
It is my priority to ensure that members of
Muskegon Federal Credit Union are taken care
of. Please let me or a member of our staff
know if there is a financial service you have
questions about or need help.
Serving you,
Toni J Winskas-President
Loan Rates
Auto Loan Rates as low as 4.25% APR!*
Recreational Vehicle Rates as low as 5.00% APR!*
Home Equity Line of Credit as low as 7.50% APR!*
Ask us about beating or matching your current loan rate!
Apply today at muskfedcu.com or call us at 231-722-7285!
*APR=Annual Percentage Rate. Your rate is based on your credit history and term of the loan and may be higher. Rates and terms are subject to change at any time.
Dividend Rates
Shares Savings Accounts have increased to 0.10% APY!*
6 Month Share Certificate 3.29% APY!*
1 Year Share Certificate 3.80 APY!*
*APY=Annual Percentage Yield. Rates are subject to change at any time.
AS SEEN IN
Forbes & Fortune
MICHIGAN’S LEADING CREDIT UNIONS
Where You’re More than a Member- You’re Family
From a handful of public employees in 1951 to more that 5,000 members today, Muskegon Federal Credit Union members enjoy the benefits of ownership.
When Muskegon Federal Credit Union rolled out it’s new logo in the Spring of 2025, the event marked the start of a new chapter for the 74-year-old financial institution. “The updated image reflects our commitment to providing members with innovative ways to meet their financial needs and responsibilities,” says Toni Winskas, President. “We are continually adopting new technologies and introducing new services and features to make banking convenient, whether you prefer banking in person or online with our It’s Me 24/7 Online Banking and the Muskegon Federal Credit Union mobile app.”
Fortunately, these high-tech tools don’t come at the expense of the professional, friendly atmosphere the credit union is known for. Members at either the Main branch on West Laketon Avenue or the Holton Road branch are greeted right away, and often by name. Phones are answered by staff who make the welfare of each member their highest priority.
A Passion for Helping Members
“As a credit union, we think of our members as family. So we are invested in our future generations and actively support financial literacy education to groups, schools, and individuals,” says Winskas. “When developed early, strong money skills and wise habits are more likely to guide families for the rest of their lives. Without guidance, they are at higher risk of amassing excessive debt, falling victim to scams, and missing out on the long-term benefits of money-wise decisions.”
It is never too early to start. Children or grandchildren of members can join the credit union with just a $5 deposit. For teens between ages 13 to 17, Muskegon Federal Credit Union offers Teen Checking accounts with debit cards that are issued the same day.
Muskegon Federal Credit Union offers programs that empower families and give people a hand when they need it most. Very Often, the credit union staff are the first financial professionals college students and young families encounter. Friendly staff offer a lifeline for people 16 and older who haven’t established credit and for those who need to improve their credit score. Programs like the Credit Building Visa can help them start the journey to buying their first car or their first home,
“Helping young people become wise financial consumers and get a strong start is a priority for us,” says Winskas. “It’s one of many ways we live up to the credit union’s mantra of ‘People Helping People.”
Bank Like an Owner
“Anyone who lives, works, worships, or attends school in Muskegon County is eligible to take part in this cooperative-style banking,” explains Toni Winskas, President of Muskegon Federal Credit Union.
Depositors are not customers but members. Credit unions are not-for-profit and run by board members from the communities they serve. Without stockholders demanding large quarterly returns, credit unions return any profits to members in the form of fewer or lower fees, highly competitive savings and loan rates, and, importantly, support for worthwhile local projects. Muskegon federal Credit Union proudly supports beneficial events in the county and worthwhile organizations.