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Certified Dealers
Credit Cards

Financing and Trade-In
Home Equity Loans

Mortgage
Mortgage Servicing

Michigan First Car Buying Service

Vehicle Loans
Vehicle Pricing

Certified Dealers

Are there Certified Dealers in my city or county?

The Michigan First Car Buying Service tool is designed to locate the lowest-priced, closest, and highest-rated Certified Dealers based on your ZIP code. If you'd like to search in another area, simply enter another ZIP code.

There might be a chance that there are not Certified Dealers in your area. We hand select all Certified Dealers, choosing only those who are committed to giving you an upfront low price and exceptional service - including giving you a no-hassle car buying experience. However, we're always in the process of signing on new dealers, so check back again in the future.

Can you tell me if a certain dealership is a Certified Dealer?

The Michigan First Car Buying Service tool is set up to locate the lowest-priced, closest, and highest-rated Certified Dealers based on your ZIP code. If you want to search for a particular dealership, enter that dealership's ZIP code in the system to see if it is part of the program.

It has been more than 24 hours since I submitted a contact request to a Certified Dealer and I have not been contacted. What should I do?

Certified Dealers should respond to inquiries within 24 hours. If you haven't heard anything from the dealer, please call or e-mail the Certified Dealer representative listed on your Price Protection Certificate. 

I’d like to stop receiving emails from the Certified Dealer. How do I go about doing that?

There’s an opt-out link at the bottom of the dealer’s e-mail. Please click that link and then select the opt-out option. This will prevent you from receiving future e-mails.  

What if I build a new car and submit my information to a Certified Dealer, but change my mind about what car I want?

Simply contact the Certified Dealer and inform them of your decision, then freely select another car using Michigan First Car Buying Service.

What if the Certified Dealer doesn’t have the exact vehicle I want?

We cannot guarantee that exact vehicle you requested will be available. Due to the many options available today, it's possible the requested car might not exist anywhere. However, the dealer will do their best to find the closest available match in stock, and will give you a low price relative to invoice for that vehicle.

If you choose a car with additional options, your price relative to invoice will not change. However, additional options increase the invoice price of the car. Therefore, your vehicle price might increase.

Your dealer can also provide you with a low price for other models if you decide you want to purchase a different car.

Why do I have to buy a car from a Certified Dealer?

You don’t. However, buying from a Michigan First Car Buying Service Certified Dealer lets you take advantage of all the benefits Michigan First Car Buying Service offers. Only our Certified Dealers will ensure you receive your upfront price as well as give you excellent customer service.

Why is my information shared with Certified Dealers?

Because our program is designed to connect you directly with a Certified Dealer who will assist you through the purchase process and honor your low price.


Credit Cards

Are Experience Michigan First Rewards® points transferable?

Points are not transferable.

Can I transfer higher rate credit card balances to my Experience Michigan First Card?

Yes. Please have your credit card information available and contact us.

Can I use my Experience Michigan First Card to get cash at an ATM?

Yes, as long as you have the PIN number and the VISA logo appears on the machine.

Can my Experience Michigan First Rewards® points be combined with points earned on other programs?

Points may not be combined with, or transferred to, other reward programs.

Do Experience Michigan First Rewards® points expire?

They're good for three (3) years and will expire on December 31 of the third year in which they were earned. So there's plenty of time (and ways) to use your points.

Do I have a grace period on my Experience Michigan First Card payment?

If your payment is not received by midnight of your due date, your payment is considered late.

Does the credit union offer secured credit cards?

Yes, we offer both a share secured credit card and a share secured loan. Contact us or visit a branch to learn more.

How can I remove a joint person from my credit card?

You must submit a written request, signed by both parties, to close the credit card. This card will need to be paid off in full. If you’re the primary member and would like to be responsible for the balance owing, you’ll need to reapply for an individual credit card account and have the balance transferred.

How did you calculate the finance charge for my credit card?

To calculate the finance charge on your credit card we multiply the Average Daily Balance by the periodic monthly rate.

How do I apply for a Visa credit card?

You may contact us by phone, apply online or visit one of our branches.

How do I earn points with my Experience Michigan First Rewards® Visa®?

You earn 1.5 points for every one dollar ($1) you spend on eligible Experience Michigan First Rewards® Visa® purchases made in the state of Michigan or online from Michigan-based merchants. You earn 1 point per one dollar ($1) for all other purchases. We keep track of all the points you've earned and provide you with either a monthly or quarterly Experience Michigan First Rewards® statement. You can also check your balance by logging into Michigan First Online Banking and selecting "Cards" then "Experience Rewards."

How do I obtain my credit card balance or available credit?

You can obtain your balance or available credit limit by contacting us or through Online Banking. The information available on Online Banking may only reflect items that have posted to your account as of your last cycle date.

How do I redeem Experience Michigan First Rewards® Visa® points for gifts?

Redeeming your Experience Michigan First Rewards® points for gifts and gift cards is easy. Simply compare the total points you've accumulated with the number needed for the items you want. If you have enough points, login into Michigan First Online Banking, choose "Cards" then "Experience Rewards."

How long does it take for merchants to issue credits when the member returns the merchandise? Debit cards and credit cards?

Merchants have up to 45 days from the date of return to issue a credit on a VISA/Debit card.

How long will it take to process a balance transfer on my credit card?

Please allow 7-10 business days for the payment to arrive. Always pay your minimum payment to avoid any late fees.

I made my payment, why isn’t it showing up now?

Once you have submitted your payment to the credit union, it will take up to 48 hours for it to be reflected in the balance of your credit card.

What are the features of the Experience Michigan First Rewards® Visa® program?

You can choose from a gallery of images, all of which are Michigan landscapes or places. Note: If you do not select an image, the default image of the Mackinac Bridge will be chosen for you. You will be rewarded for spending your dollars in Michigan by receiving bonus rewards points. For example, if you purchase gas in Michigan, you will receive 1.5 points for every $1.00 spent. If you purchase gas in West Virginia, you will receive 1 point for every $1.00 spent. Michigan First Credit Union is partnering with a number of merchants, vendors, and charities for the Rewards program:

  • Michigan based merchants and vendors to create an influx of spending within Michigan. Items will include gift cards to Michigan merchants, sporting events, entertainment, restaurants, etc. We will also give a discount on those cards to encourage you to put money back into the local economy.
  • Michigan Charities in which you will be able to redeem your points by donating money to local Michigan charities. You can also donate to national charities but we will highlight Michigan-based charities on our rewards website.
  • Other Rewards that are available to you include gift cards, merchandise, downloads and apps, as well as travel from national retailers in addition to the Michigan redemption options.

This program revolves around Michigan and encouraging the citizens of Michigan to reinvest in their community which is what we believe will be the differentiating factor in our Experience Michigan First Rewards® Visa®.

What are the VISA credit card limits?

Credit card limits are based on credit worthiness.

What if I already took a trip? Can I still get value from my Experience Michigan First Rewards® Visa® points?

Yes, as long as the date of travel occurred after the Experience Michigan First Rewards® points were accumulated. Simply go online or call us and select the amount of Experience Michigan First Rewards® points equal to the amount you spent on travel - we'll rebate that amount by crediting it to your statement once you send in your travel receipts. For every 2,500 points you redeem for travel, you'll receive a $25 credit to your Experience Michigan First Rewards® Visa® account. It's that easy!

What is the cash advance fee for the Experience Michigan First Rewards® Visa®?

A complete listing of all fees can be found here.

What is the difference between credit and debit?

Credit Card: A credit card is a loan (line of credit) that is issued by a lender. When a consumer uses a credit card they are incurring debt and can either pay the balance off immediately or they can pay it off over a period of time.

Debit Card: A debit card is not a (loan) credit based transaction. When a consumer uses their debit card the funds are debited from the account associated with the card, such as a checking. When using a debit card the consumer can usually select "debit" or "credit". If debit is selected, the user must enter a PIN (Pin Number). If the user selects "credit" they don’t have to enter a pin number. If credit is selected the funds are held in your checking for several days or until the merchant submits the transaction for posting from your account.

What is the Experience Michigan First Rewards® points and redemption process?

You will begin to earn points on purchases only beginning on April 9, 2012 when using your Experience Michigan First Rewards® Visa® credit card.

You will receive:

  • 1.5 points for every $1.00 spent within the state of Michigan
  • 1 point for every $1.00 spent outside the state of Michigan

Points are good for three years from accumulation and will expire in the third year in which they were earned.

Note:The Rewards statement will be separate from your monthly transaction statement and can also be accessed through Online Banking if you have an Online Banking account with Michigan First.

The statement will include the following:

  • Points accumulated in previous month
  • Points accumulated YTD
  • Points redeemed
  • Total points available for redemption

Once you have accumulated enough points you will be able to login to Online Banking and redeem your points through the Rewards link. You will select the item of your choice and your request will be fulfilled in 2 – 4 weeks.

If you would like to review the available options for rewards you can do so here or call 855.EXPER.MI.1 (855.397.3764)

What is the telephone number to activate a VISA card?

Please call (888) 691-8661 to activate your VISA card.

What makes Experience Michigan First Rewards® different from “frequent flier” programs?

Unlike typical frequent flier programs, your points can be redeemed for a wide variety of rewards. If you choose a travel reward, you can book either through your preferred travel agency, direct with travel providers, or on the internet. If you book the travel yourself, simply go online or call us and select the amount of Experience Michigan First Rewards® points equal to the amount you spent on travel - we'll rebate that amount by crediting it to your statement once you send in your travel receipts. Any airline, any hotel or resort, any train trip, any cruise line, any rental car...you name it!

When I make a large credit card payment, why do I have to make a payment the next month?

If you owe a balance on your credit card you cannot pay ahead. You’re required to make a payment of 3% of the balance prior to each statement closing date.

Where do I mail my VISA payment to?

If you would like to send in a payment, please address your envelope to:

Michigan First Credit Union
P.O. Box 37035
Boone, IA 50037-0035

Envelopes are included with every statement. If you have misplaced your mailing envelope, you may visit any branch location, or contact us. You may also schedule your payments through bill pay or make a payment through online banking.

Who do I call if my credit card is lost or stolen?

Please contact us to report your card lost or stolen.

Why doesn’t my credit card, ATM or debit card work?

Your card may be damaged or the following may have occurred:

  • Preauthorization holds are affecting the funds available and preventing a withdrawal or purchase.
  • You’ve exceeded daily limits – ATM limit is $607.00 daily (this figure may be lower under certain circumstances)
  • Card may have been captured by Michigan First Credit Union for various reasons
  • Your credit union loan is delinquent
  • You’ve made 3 or more attempts with the wrong pin number
  • Check holds may be placed on the funds available

Financing and Trade-In

Can I lease the vehicle I requested?

Yes. Contact your Certified Dealer for details on leasing. You'll find dealer information on the Price Protection Certificate you received by e-mail. 

Can Michigan First Car Buying Service guarantee the trade-in value of my current vehicle?

No. Used car values vary greatly according to your geographic location, market trends, and the vehicle's condition. Our Certified Dealers are better suited to inspect your car and then determine an accurate trade-in value. 

Do I have to obtain Michigan First financing to be able to use Michigan First Car Buying Service?

No, but we encourage you to get pre-approved with us. We offer great rates and loan terms.  Plus, when you apply for a loan with Michigan First through Michigan First Car Buying Service, you can receive a 1% discount on your auto loan rate.*

*Rate discount for vehicle loans only, must qualify for loan and purchase through Michigan First Car Buying Service by May 7 to receive discount

How do I use Michigan First Car Buying Service and get financed at the same time?

Two options:

  •  Visit a branch, call us or apply online to get pre-approved. Then visit MichiganFirstCars.com to begin using Michigan First Car Buying Service. To close on your loan, come into a branch or close electronically.
  • Visit MichiganFirstCars.com and select the Financing tab to get pre-approved before or after searching for and receiving your low price on a new or used car. To close on your loan, come into a branch or close electronically.

What is my trade-in worth?

There are many factors that go into evaluating a vehicle. While Michigan First Car Buying Service does provide a trade-in estimation tool, it's always best to have a Certified Dealer appraise the car. 


Home Equity Loan

Are there closing costs?

Typically, the credit union will cover all closing costs, provided the loan is secured with your primary residence. 

Can I apply for a home equity loan using property I am purchasing on a land contract or is part of a CO-OP?

No, you cannot apply for a home equity loan using property that is being purchased by way of land contract or a CO-OP.

Can I refinance an existing Michigan First Credit Union home equity loan?

Yes, if you’re requesting new money of $10,000 or more. Contact us for details. 

How can I find out the amount of equity I have available?

You can find out the amount of equity you have available in your home by taking the current value of the property minus the balance of all outstanding loans against the property.

(Home Current Value - Loans = Equity Available)
Home value is $100,000.00
Mortgage balance  is $50,000.00
Equity is $50,000.00 (or 50% LTV)

How do I get a loan account statement?

You can view your statements and loan history 24 hours a day with Online Banking. If you’re not signed up for e-Statements you should be receiving a statement copy at your home address. If you haven’t been receiving a statement please contact us.

How long does it take to close on a home equity loan?

It will take approximately 7-10 days to close on your home equity loan. It may take longer if any issues arise with the title search, appraisal or proof of insurance on the home.

If a home equity payment is due on first of the month, does the transfer occur in the morning or at the end of the day?

We will attempt to transfer payments 4 times during a day. These files are processed twice in the morning, once in the afternoon and again at the close of business. We ask that if you need to deposit to your account to cover a payment transfer, the deposit should be made the day prior to your due date.

What are the requirements for a home improvement loan?

To submit an application for a Home Improvement Loan we will need your personal information and the value of your home. If the home is to be used as security for the loan, additional paperwork, such as proof of homeowners insurance, may be required at a later date.

What is a HELOC?

HELOC loan is a Home Equity Line of Credit. Your home is used as security against a loan for the difference between the value of your home and your mortgage balance. To calculate your available "equity", otherwise know as the LTV (Loan to Value), take the appraised value of your home minus the outstanding mortgage balance to determine the amount of equity available.

Home value is $100,000.00
Mortgage balance is $50,000.00
Equity is $50,000.00 (or 50% LTV)

What is the difference between an ARM (Adjustable Rate Mortgage) home loan and an interest-only home equity?

They are both variable rates, but with the ARM (Adjustable Rate Mortgage), your payments include both principal and interest.

What is the LTV?

The LTV (loan to value) is the loan amount to the value of the home. The LTV is calculated by adding together the 1st and 2nd mortgages; divide by the value of the home to figure a percentage of available equity.  (1st and 2nd mortgages ÷ value of home = LTV %) If you need further help, contact us.

What is the minimum loan amount for a home equity loan?

The minimum amount for a home equity loan is $10,000.00.

What is the procedure for requesting a copy of a check written against a HELOC?

If you had been issued checks against your Home Equity Line of Credit Loan, requesting a copy of a check has the same fee of $5.00 as a copy of a check from a checking account. On average, if the check has been paid through the account, we can retrieve a copy the same day of the request. It may take additional time if the check cleared more than year ago or if research is needed. Please contact us to process this request for you.

What type of home owners insurance is required?

The dwelling insurance on your policy must cover all outstanding lien balances added together. There is no required deductible on this policy for loans. 

When will I receive my money from the home equity loan?

Your funds will be disbursed either by check or deposit to your account on the 4th business day after your closing. If the home is a rental property, the loan will disburse the same day. You may check your balance online with Online Banking.


Mortgage

Can I refinance my mortgage with Michigan First?

Yes. Please contact us or visit any branch to apply.

Do you offer a fixed rate mortgage?

Yes. Please contact us or visit any branch to apply.

Is Michigan First Credit Union an FHA lender?

Yes.

What is the difference between an ARM (Adjustable Rate Mortgage) home loan and an interest-only home equity?

They are both variable rates, but with the ARM (Adjustable Rate Mortgage) your payments include both principal and interest.

What type of homeowners insurance is required?

The dwelling insurance on your policy must cover all outstanding lien balances added together. There is no required deductible on this policy for loans.


Mortgage Servicing

Am I going to receive a 1098 form?

Michigan First Credit Union sends out Form 1098 Mortgage Interest Statement provided the account has accrued $600.00 or more mortgage interest (Home Equity Interest).

Can I close my escrow account?

There are various requirements that must be met in order to close your escrow account. If you would like your account to be reviewed to determine if it meets the requirements to close escrow, please submit a request to one of the following:

  • Email: mortgageservicing@michiganfirst.com
  • Fax: 248.395.4187
  • Mail: Michigan First Mortgage Servicing
    27000 Evergreen Road,
    Lathrup Village, MI 48076

Upon receipt of your request, your account will be reviewed to determine if it is eligible and
you will be notified in writing.

Can I pay unpaid late charges or fees with my payment?

Yes. Your monthly mortgage statement will note any fees due as a result of a late payment and will add them to the amount due. It is always recommended to pay any outstanding fees.

How can I have my loan re-amortized?

A re-amortization requires a minimum principal payment of $10,000.00. You must have 6 months of concurrent on-time mortgage payments with a current loan status. A re-amortization will not change the term or interest rate of your loan. The cost is $250.00 upfront. Please submit a request in writing to one of the following:

  • Email: mortgageservicing@michiganfirst.com
  • Fax: 248.395.4187
  • Mail: Michigan First Mortgage Servicing Team
    27000 Evergreen Road,
    Lathrup Village, MI 48076

How can I pay additional principal?

You can make additional principal payments if your payment has already been made for the current month. You can also include additional funds with your monthly mortgage payment.

How do I authorize someone other than myself to discuss my account?

Fax a written request to 248.395.4187 or email us at mortgageservicing@michiganfirst.com. Be sure to provide your name, mortgage loan number and the first and last name of the person you are authorizing.

How do I know if my taxes or insurance have been paid?

You can view your account history online by logging into the Michigan First Mortgage Servicing website or by logging into online banking and clicking the mortgage tab.

How do I know the amount and due date of my monthly payment?

Your monthly mortgage payment is always due on the first of the month. The amount and due date are also included on your monthly mortgage statement sent to you via mail. You can always visit us online at MichiganFirstMortgageServicing.com or through online banking by clicking the mortgage tab once you have logged in.

How do I make payments?

We offer multiple ways to make your monthly mortgage payment.

  • Set up a one-time automatic payment through MichiganFirstMortgageServicing.com or log in to Michigan First's online banking and click on the mortgage tab.
  • Call 800.664.3828 ext. 4705 (additional charges apply for payments made by phone).
  • Mail your payment to:
    Michigan First Mortgage Servicing
    27000 Evergreen Rd.
    Lathrup Village, MI 48076

How do I set up an escrow account for my property taxes and insurance?

If your loan did not require an escrow account at closing we’d be happy to set one up for you. Email your request to mortgageservicing@michiganfirst.com. Please include your most recent hazard insurance policy and tax bills.

How do I set up reoccurring payments?

Login or register to our Mortgage Servicing site MichiganFirstMortgageServicing.com or log in to your Michigan First online banking and click the mortgage tab to get started. Click on “Make a Payment” and select “Make a One-Time Payment” to schedule a single payment or select “Set Up Auto-Pay” to schedule a reoccurring payment then follow the onscreen prompts.

How does Michigan First determine how much to save in the escrow account?

Projected tax and/or insurance amounts are estimated based on last year's actual tax and/or insurance payments. These amounts often change based on your property’s current value. If it is the first analysis for your property, it is likely that the amount will increase as most mortgage loan closings use a prorated tax amount based on when you closed on your home.

How is my required starting balance determined?

Your required starting balance is determined by calculating what your balance needs to be as of today to prevent the escrow balance from falling below the minimum required balance (cushion) over the next 12 months. This is purely a mathematical calculation.

I just received notice that my monthly payment increased, but I have already mailed this month’s payment. What do I do?

Send in the remaining balance or contact us via 800.664.3828 ext. 4718 to have the funds debited from your Michigan First checking/savings account at no additional charge.

I received an escrow analysis, why did my payment increase?

Escrow payment amounts may increase if there is a shortage of funds in your escrow account. Some of the most common reasons for escrow shortages are:

  • An increase in the amount of your annual property taxes
  • An increase in your annual insurance premium
  • The actual tax or insurance payment from escrow differs from the original estimate.

If you have questions about an increase in your property taxes or homeowner’s insurance premiums, please contact your local taxing authority or insurance agent. They are the best source of information to explain changes in your bill.

I received my insurance renewal notice and a request for payment. What should I do?

If the bill has not been paid, please email the bill with your loan number, to mortgageservicing@michiganfirst.com. Please make sure your insurance agent has our address (27000 Evergreen Road, Lathrup Village, MI 48076) listed under the mortgagee clause. You can also fax your bill to 248.395.4187.

I want to switch hazard insurance companies. What should I do?

Contact your insurance provider to request a cancellation. Be sure to have new insurance set up so there is no lapse in coverages. We also offer homeowners insurance and many other types of insurance through the Michigan First Insurance Agency. Visit the website to get a free quote.

What are the lowest projected balance and the lowest required balance (cushion)?

The lowest projected balance is the lowest balance the escrow account will reach based on the planned payments made into the escrow account and the planned disbursements out of the escrow account. The lowest required balance is the lowest balance the account is allowed to reach in order to maintain two months of escrow payments in the account at all times; the balance should never fall below the lowest required balance (the escrow payment multiplied by two).

What happens if I am past due with my payment, or miss a payment completely?

Send your payment in as soon as possible to avoid any late fees or negative credit reporting. If you are experiencing financial hardship, contact our payment solutions team 800.664.3828 ext. 4705 to set up payment options.

What happens to my tax and insurance if I am also past due on paying into my escrow account?

If you have an escrow account, Michigan First will continue to pay taxes and insurance to protect the property. However, just as with your mortgage, you would still owe this money, plus any late fees and interest accrued.

What is an escrow account and why does Michigan First manage it for my loan?

An escrow account is like a savings account for your taxes and/or insurance funds. As mortgage payments are received, a portion of the funds are applied to principal and interest. The remaining funds are deposited into the escrow account to ensure enough funds are available when the payment/premium comes due.

What is PMI?

PMI (Private Mortgage Insurance) is required on some mortgage loans if your initial down payment is less than 20%. This insurance protects the lender and investor in the event of a loss.

What should I do if I get a refund check from my insurance company?

Insurance refunds are for policies that Michigan First has paid on your behalf. To ensure your escrow account retains enough funds for all escrowed items, send the full amount of the refund to Michigan First so it can be applied to your escrow account. Be sure to include your loan number and a note with details telling us what the funds are for. Funds that are not sent to Michigan First could result in a large shortage when your annual analysis is determined.

What should I do if I receive a tax bill?

Michigan First Mortgage receives the same tax information from the assessor’s office for our escrowed loans and will pay the bill on your behalf. If you receive a bill, it is yours to keep and no action is necessary.

What should I do if I received a notice of delinquency for my taxes?

If your account is escrowed please email mortgageservicing@michiganfirst.com or fax the notice to 248.395.4187.

If your loan is non-escrowed you will be required to send in proof of payment within 15 days of receiving the notice. Not providing proof of payment could result in a mandatory escrow account.

When can I cancel PMI?

To remove PMI, or private mortgage insurance, you must have at least 20% equity in the property. You may ask the lender to cancel PMI when you have paid down the unpaid principal balance to 80% of the home's original appraised value. This will require a new appraisal to be completed and paid for by you to ensure the property value has not decreased. Once the unpaid principal balance drops to 78%, the mortgage servicer is required to eliminate PMI. You will receive a letter when your loan is eligible.

When will my past-due payment be reported to the credit agencies?

Credit reporting is done on the first business day of the month. Your payment is reported as late 30 days after the payment is due.

When will my taxes/insurance be paid?

If your taxing authority offers a discount for early payment, your taxes will be paid on or before the discount date. Otherwise, they will be paid by the due date. Your insurance will be paid approximately 15 days before the due date.

Who do I contact for information regarding my mortgage loan?

You may check your account information through our servicing website or in your online banking account or by clicking the Mortgage tab. You may call us at 800.664.3828 ext. 4705.

Who should be named as loss payee (mortgagee) on my insurance policy, and where should I mail a copy of my policy?

Michigan First Credit Union ISAOA is the loss payee. Insurance documents can be emailed to mortgageservicing@michiganfirst.com or faxed to 248.395.4187

Why are you holding two months worth of payments?

A cushion is the minimum balance of the escrow account and acts like a savings account to help if your taxes or insurance increase. Your mortgage documents allow us to maintain an escrow cushion equal to two months of escrow payments.

Why did I get an escrow surplus?

Most escrow surpluses result from an over projection of property taxes and insurance premiums.

Why did I receive an escrow account disclosure statement (escrow analysis)?

Every year, we must review your escrow account and provide a notice to determine if the escrow portion of your monthly mortgage payment is sufficient to cover the annual requirements for your real estate taxes and any applicable insurance. This is a requirement under Section 6 of the Real Estate Settlement Procedures Act (RESPA). The results of this review provide details on how your monthly mortgage payment will be affected.


Using Michigan First Car Buying Service

How do I request a new car?

  • Go to the New Cars section.
  • Enter your ZIP code.
  • Choose the make and model you are most interested in.
  • Choose the colors and options you prefer.
  • See your upfront price based on the options you have chosen.
  • Choose from up to three Certified Dealers based on price, location, and satisfaction ratings.
  • Receive your Price Protection Certificate on the site and by e-mail.
  • Get in contact with your Certified Dealer listed to arrange a test drive and discuss availability.

Arrive at the dealer with your printed Price Protection Certificate and complete your purchase.

How do I request a used car?

  • Go to the Used Cars section.
  • Enter your ZIP code.
  • Choose the make and model you are most interested in.
  • Choose the range of model years you prefer.
  • Click the cars you are interested in.
  • Register and receive your Price Protection Certificate on the site and by e-mail.
  • Get in contact with your Certified Dealer to arrange a test drive and ask any questions.
  • Arrive at the dealer with your printed Price Protection Certificate and complete your purchase.

How does Michigan First Car Buying Service work?

Visit MichiganFirstCars.com to search for your new or used car by make, model, color and/or options. For new cars, once you select a car, you’ll receive a low price upfront from the three closest dealers offering your selection. For used cars, you can view the actual inventory of used car lots and the special, low price below-Blue-Book pricing.  Print your price certificate and take it to the Certified Dealer indicated. Easy!

*With new cars, Certified Dealers will do their best to match available vehicles to the car you've built online

I’m not a member of Michigan First. Can I use Michigan First Car Buying Service?

Yes! Our Michigan First Car Buying Service is open to everyone. Plus, if you get pre-approved for a loan with Michigan First through Michigan First Car Buying Service, you’ll receive a 1% discount on your auto loan rate.*

*Rate discount for vehicle loans only, must qualify for loan and purchase through Michigan First Car Buying Service by May 7 to receive discount. Membership is part of the application process. $10 minimum balance required per member.

What if I want to purchase several vehicles?

You may request as many vehicles as you want. However, you will need to do separate requests for each vehicle. 

Who should I contact if I’m having technical problems with Michigan First Car Buying Service?

Please call Michigan First Car Buying Service technical support at 877.638.4128.

Why should I use Michigan First Car Buying Service?

The simplicity! Use our straightforward Michigan First Car Buying Service to enjoy one-stop car shopping, get access to powerful research tools, receive a low price upfront in writing, be able to take advantage of special dealer perks, and have a no-hassle buying experience from our carefully selected Certified Dealers. Plus, when you apply for a loan with Michigan First through Michigan First Car Buying Service, you can receive a 1% discount on your auto loan rate.*

*Rate discount for vehicle loans only, must qualify for loan and purchase through Michigan First Car Buying Service by May 7 to receive discount.


Vehicle Loans

Can I change the due date on my auto loan?

Yes, it is possible to change the payment due date on your auto loan. Please contact us to assist you with this request.

Can I get a duplicate title the same day?

Yes. Contact the nearest Secretary of State location for additional information on locations available to process a quick title and any additional charges that apply. 

Can I refinance my auto loan that is currently financed with Michigan First Credit Union?

No. We don’t refinance our own auto loans.

Does the credit union finance antique or vintage boats?

We finance boats up to 15 years old.

Does the credit union finance lease cars?

We only finance car purchases, but we can re-finance a lease car that you would like to purchase.

Does the credit union finance snowmobiles?

Yes, it's a recreational vehicle. View our current rates.

How do I change the name on my vehicle title?

If the credit union is listed as a lien holder on the vehicle, we will supply you with a name change letter to present to the Secretary of State. You’ll then be allowed to change your name on the title, continuing our lien on the vehicle.

How do I get a loan account statement?

You can view your statements and loan history 24 hours a day with Online Banking. If you’re not signed up for E-Statements you should be receiving a statement copy at your home address. If you haven’t been receiving a statement please contact us.

How long does it take to receive my car title once my loan is paid in full?

Your vehicle title was mailed to you shortly after you purchased it. It lists your name and the credit union as a Lien holder. Once the loan is paid in full, the credit union will mail you a Release of Lien that you’ll attach to your title to reflect the loan is paid off. In the event you’re unable to locate your title, you may apply for a duplicate title at any Secretary of State Office. This duplicate title may still list the credit union as a lien holder, but with the Release of Lien in your possession, the title is free and clear.

You won’t need to apply for a new title. Keep the release of lien with the title in a safe place. If you prefer to have the title listed in your name alone you’ll need to take the title and release of lien to the Secretary of State office to apply for a new title. Please contact your Secretary of State office for the current cost of a new title.

How long is a pre-approval for an auto loan good for?

A pre-approval for an auto loan is good for 30 days.

If I already have a personal loan, can I have an auto loan too?

You can absolute apply for, and hold, multiple loans. Contact us now.

Is there a minimum coverage for auto insurance?

Coverage is required in the amount of the loan; however, the credit union is also concerned with the deductibles. The minimum is $1,000 for comprehensive coverage, $1,000 for collision coverage, and liability coverage is determined by the member's needs and the insurance company requirements.

What are the procedures for refinancing a leased auto?

You would need to submit a loan application for the lease payoff amount and receive an approval on the loan. Lease payoffs may be handled through a dealership or directly with your leasing company. (Request an End of Lease Package from your leasing company).

Through a dealership: we need a copy of the write-up for the purchase of the vehicle. You’ll sign all loan documents at the credit union and return with the check to the dealership to complete the sale. The vehicle title will be mailed to your home address.

Through your leasing company: copies of the following documents will be needed to close the loan: a bill of sale, a copy of the payoff amount including sales tax, an odometer statement, payoff mailing address, contact person and phone number. Once the credit union loan documents are signed, the check will be mailed to the leasing company along with the additional documents to complete the sale. The title for the automobile will be mailed to the credit union, who will then apply for a new Michigan title. You’ll receive your title from the State of Michigan in 4-6 weeks.

What are the title fees for a car loan?

There are many fees associated with obtaining a title that are covered by the credit union. In certain cases, state taxes must also be paid.

What is a VIN number? Where can the VIN number be found?

The VIN number is the Vehicle Identification Number or serial number which identifies a specific vehicle. The VIN number is located on a title and/or the registration for the vehicle. It is also on the vehicle itself, atop the dashboard.

Where can I find a listing of Michigan First’s Preferred Dealers?

Please click here for a complete listing of our Preferred Dealers.


Vehicle Pricing

Does the price include all fees?

No. Your vehicle price includes all manufacturer fees including destination and advertising fees. However, you are financially responsible for tax, title, documentation (processing), and any dealer-installed accessories.

How do I know the Dealer is honoring the Michigan First Car Buying Service price?

Print out your Price Protection Certificate and take it with you when you visit the Certified Dealer to select your vehicle. Make sure that the dealer representative shows you the factory invoice for the car you want to buy, and confirm that you are paying the correct price relative to invoice. Your price relative to invoice is listed on your Price Protection Certificate.

Remember: If you choose additional options on your car, your price relative to invoice will not change. However, additional options increase the invoice price of the car. Therefore, your car price might increase.

How do I know the price for my car?

Not only will you view your vehicle's price during the online request process, but our system automatically sends a Price Protection Certificate to the e-mail address you provided.

The certificate includes dealer information, a summary of the vehicle you requested, and shows your price relative to invoice, plus information on available incentives. Your price relative to invoice is set for the model and options you have selected.

Be sure to print the certificate and bring it with you when you visit your Certified Dealer.

What if the dealer doesn’t honor the vehicle price?

We screen our Certified Dealers frequently to ensure they’re honoring the prices quoted. If you believe the Certified Dealer is not honoring your price, please contact us.

Why does the price quoted by the Certified Dealer NOT match the price shown using Michigan First Car Buying Service?

The most common reasons for a price difference are:

  • The options and incentives you selected online are NOT the same as the vehicle on the dealer's lot. Your Price Protection Certificate should list all the options you selected online.
  • The manufacturer incentives might have changed since the vehicle price was calculated using Michigan First Car Buying Service. All manufacturer incentives have expiration dates. Members should always note the stated incentive expiration date.
  • The quoted online price does NOT include tax, title, license, and other customary fees. These costs will vary depending on state laws.

Will all cars from all dealers have a discounted Michigan First Car Buying Service price?

No. You will only view a discounted Michigan First Car Buying Service price from Certified Dealers that have been carefully screened to ensure you receive five-star service and low pricing. 



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