Wanigas Credit Union offers membership to those who work, attends school, worships or lives in any county of Michigan's lower peninsula. Anyone who receives social security, a pension, retirement annuity or similar from a government or private source and belongs to, or lives in the county contiguous to the county where Wanigas's principal of business is located. Additionally, membership is offered family of current members and employees of Wanigas Credit Union.
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My parents had me open both savings and checking accounts with Wanigas when I was about 11 years old. The goal was to experience and become familiar with money management, which is an essential life skill. The representatives at the branch we usually visited were always personable and willing to go the extra mile for the customer. The very small minimum balances allow for anyone (including young people) to open an account. I was able to access my funds at Wanigas while traveling abroad in Mexico. I did require a password reset but even when calling internationally a representative was able to resolve this issue. As a local credit union, their online banking was not very strong at first but has improved to the point it is in keeping with other banks' systems. I no longer live near a branch but still keep my account open in case my parents, who still live in Saginaw, ever need financial assistance.
This credit union had a repossession "company" come to our home in the middle of the night, TRESPASS and STEAL our family of 4's ONLY VEHICLE! We were a month and 2 weeks late on our payment, but we were in touch with Wanigas the ENTIRE time, even before it was late, trying to avoid this exact scenario.
We tried to get a Home Equity Loan/Line of Credit on a home I have owned for years, paid off 20 years ago, answer was no. Tried to consolidate all of our loans into one, answer was no. So many attempts were made by us to resolve the issue - we were unable to pay for a few weeks due to income issues that have now been resolved. We were in contact with them before the payment was even late, wanting to know our options because we had to help pay for a family member's final arrangements along with another obligation, and knew our truck payment was going to be a bit late.
I have spoken to supervisor after supervisor about this, literally a month and two weeks late on a payment that has been made ON TIME for OVER 5 YEARS! Along with MANY other loans/credit cards we've had and paid off with this institution!
At first, we were told we couldn't get our vehicle back unless we paid it off in full. We don't have $10K lying around, obviously not an option. Then we were told we could get it back if we made the loan current (which we are MORE THAN HAPPY to do), AND pay the repossession "company" their "fees".
Number one, we CANNOT AFFORD to pay any fees to "store" a vehicle that belongs in our DRIVEWAY. We are a one-income household due to serious health issues suffered by my spouse. Number two, we made contact with Wanigas to avoid this happening! We are not liable for fees for a repossession that we were actively trying to avoid.
We have a motorcycle loan, a personal loan, and credit card with this credit union as well. Those are all current. They tried to repossess our motorcycle after it was 12 days late, until I was able to save that. We can't take our kids to school on a motorcycle in Michigan's Winters.
It doesn't matter that Michigan "law" states that you can do this to someone, that does NOT make it RIGHT to STEAL someone's vehicle while they are in the process of trying to work this out! Not only did they steal our vehicle from our driveway, the tailgate was open because my spouse was unloading a half ton of rock for our landscape! He had tools propped up against it, and instead of putting his tools in the grass or actually acting like a human being and letting us know this was happening, the repo "company" put his tools (which were passed down from generations of family members) inside of the truck bed and took everything.
Credit Unions are supposed to HELP the community, not take away a family's only method of transportation! My spouse has lost his truck that he put thousands of dollars into and he has now gone into a deep depression. What Wanigas did is SICKENING! Our children have missed over a week of school now due to the fact that we now have no transportation and live outside of school transportation boundaries.
Our family truck is going to be auctioned off on August 29th. It'll be gone forever.
With what my family has been put through, it's been made crystal clear that Wanigas Credit Union doesn't give a DAMN about the community! Members are supposed to be "owners" of their credit unions - that's laughable at best!
Money must be very tight at this credit union because they often turn down loans, even though a credit score over 725 isn't good enough at times. I have been rejected 2 times having a score of 735 sending me to a commercial bank for the loan I wanted for which they accepted me. Kind of makes you wonder who runs this credit union.
Sorry, we do not have health information for Wanigas Credit Union.
Rates for Wanigas Credit Union are currently being reviewed.
|Wanigas Credit Union Locations|
|Branch Office||1837 Bagley St||Saginaw, MI 48601-3107|
|Branch Office||4026 Shattuck Rd||Saginaw, MI 48603-3075|
|Branch Office||4129 N Euclid Ave||Bay City, MI 48706|
|Branch Office||9030 Gratiot Rd||Saginaw, MI 48609|