Rewards Checking

This checking account features all the perks of a free checking account plus earns you rewards points every time you use your debit card. Simply sign up for e-Statements to open this account.

Highlights:

• Earn Smart Rewards when you use your debit card
• Direct Deposit available

Additional Features:

This account has $0 monthly fee and no minimum balance requirements, and also features free benefits such as MasterCard Debit Card, Bill Pay, iTalk, Digital Banking. Account Disclosure

Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.

Smart Checking

This checking account features all the perks of a free checking account plus earns interest on your balance.

Highlights:

• Tiered rates, meaning the higher your balance, the higher your interest rate earned
• Direct Deposit available

Additional Features:

This account has $0 monthly fee and no minimum balance requirements, and also features free benefits such as MasterCard Debit Card, Bill Pay, iTalk, Digital Banking. Account Disclosure

Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.

Apply For A Loan

We make it easy to apply for the loan you need when it's convenient for you!

Vehicle Loans

We offer several affordable loan options for any type of vehicle you need. Whether it's a car, truck, motorcycle, RV or jet ski we've got you covered.

Auto & Motorcycle Loan Highlights:

• Various loan terms and down payment options available
• GAP, Mechanical Repair Coverage and Credit Life & Disability Coverage available

Powersports Loan Highlights:

• Various loan terms and down payment options available
• Powersports loans available for jet-skis, boats and ATVs

Recreational Vehicle (RV) Loan Highlights:

• Various loan terms available
• RV loans available for travel trailers and motorhomes

Additional Features:

All our vehicle loans have no application fee and up to 100% financing/refinancing options. Digital Loan Closing is also available and our partners at TruStage Insurance can also provide you with a free insurance quote to protect your investment. Vehicle Loan rates

Your balance on any OMNI vehicle loan is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.

Home Loan

We offer home loans for purchase or refinance, as well as home equity loan options. Whether you're thinking of buying your first home, looking to refinance or considering a home remodel, we have several options to suit your needs.

Mortgage Highlights:

• Purchase or refinance
• Low fees and flexible payment options
• Apply 24/7 with approval in minutes

Home Equity Loan Highlights:

• Ideal option to pay for home improvement, debt consolidation or other major purchase
• Fixed rate with terms up to 20 years
• Fixed monthly payments
• Up to 90% LTV
• May be 100% tax deductible*
• No application fee, annual fee or closing cost

Additional Features:

Our partners at TruStage Insurance can provide a free insurance quote to protect your investment. Mortgage rates

Your balance on any OMNI Home loan is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.

* Consult your tax advisor.

Other Loans

We offer 3 other types of loans for other life events, which feature competitive rates and affordable payment options.

Personal Loan Highlights:

• Ideal option to pay for personal purchases such as appliances or debt consolidation
• Various term with both secured and unsecured options
• Competitive rates - Personal Loan rates

Your balance on any OMNI Personal loan is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.

Cash Reserve - Personal Line of Credit Highlights:

• Unsecured loan connected to your OMNI Checking Account
• No need to worry about overdrawing your account or paying NSF fees
• Competitive rates - Cash Reserve - Personal Line of Credit rates.

Your balance on any OMNI Cash Reserve loan is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.

Student Loan Highlights:

Whether you're an undergraduate, graduate student, or parent, Get money for school from Sallie Mae®

Student loans from OMNI Community Credit Union in partnership with Sallie Mae® could help! Sallie Mae® higher education loans are designed for the needs of undergraduates, graduate students, and parents.

• Competitive interest rates
• Multiple repayment options
• No origination fees; no prepayment penalty

To learn more or to apply, please get started here

Platinum Mastercard^®

We offer 2 Platinum Mastercard^® credit card options, one of which is sure to fit your needs.

Platinum Mastercard^® Highlights:

• Accepted worldwide
• Low competitive rate - lower than most banks

Platinum Rewards Platinum Mastercard^® Highlights:

• Earn 1 point for every dollar spent
• Low competitive rate - lower than most banks
• Redeem rewards for gifts and merchandise at any time

Balance Transfer

Additional Features:

Both cards feature no annual fee, a 25-day grace period on purchases, free balance transfers and easy online account access where you can view and pay bills via Digital Banking. Platinum Mastercard^® rates    Terms and Conditions

Your balance on any OMNI credit card is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.

Credit Life or Disability Claim

In your time of need, our claims process is quick and easy. If you elected credit life or disability on your loan, you can use this convenient claims process to quickly and easily file your insurance claim.

To begin, please fill out a claim form at https://myclaimportal.cunamutual.com/link/contract?ContractNumber=02104289

If you prefer, call (844) 707-4964 to begin the process and a CUNA Mutual Group Claims Specialist will guide you through the process.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. MEMBER'S CHOICE^® credit life and credit disability insurance is underwritten by CMFG Life Insurance Company.

TruStage^™ Auto Insurance

TruStage^™ Insurance offers comprehensive coverage for your vehicles. They can find you great insurance for any new or used car, as well as get an insurance quote on RVs, boats, motorcycles or collector cars.

TruStage^™ Home Insurance

Owning a home is possibly the biggest investment you'll make in your lifetime. Their professional Insurance Agents will guide you through the process of choosing the best insurance to protect your home and your family.

TruStage^™ Life Insurance

Life insurance provides your family with financial protection in a time of loss and uncertainty. They can help you choose the coverage that best suits your family's needs, so that you'll have peace of mind knowing that your loved ones will be financially secure after your death.

TruStage^™ AD&D Insurance

To help you protect the people who matter most in your life, your credit union endorses TruStage^™ Accidental Death and Dismemberment (AD&D) Insurance from CMFG Life Insurance Company. AD&D pays a cash benefit in the event of a covered injury or death due to an accident.

TruStage^™ is a team of insurance professionals that will work with you to find the coverage you need. The programs they can provide feature discounted rates for credit union members, feature online services and 24/7 claims service. For more information, or to request a free quote call (855) 483-2149 or online at TruStage^™

TruStage^™ Auto and Home Insurance program is offered by TruStage^™ Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.
MAH-1112-4AA6

TruStage^™ is the marketing brand for the insurance sold through CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. Your credit union enables this insurance program to be offered and is entitled to compensation from CMFG Life Insurance Company. Products may not be available in all states. Be sure to understand the complete details of coverage, including any exclusions and limitations.

Investment Services

At OMNI Community Credit Union we are committed to helping our members with their financial well being. That's why we provide to you our OMNI Community Credit Union Financial Advisor. Our Financial Advisor is part of Cetera Advisor Networks LLC and can introduce you to a mix of investments options based on your unique situation and is there to help.

Highlights:

• Tax-advantaged strategies
• Retirement funding and distribution
• Business and succession strategies
• College funding
• Long-term care insurance

Securities and advisory services offered through Cetera Advisor Networks LLC., member FINRA, SIPC. Cetera is under separate ownership from any other named entity. Cetera Advisor Networks LLC nor any of its agents or representatives give legal or tax advice. Check the background of this investment professional of FINRA's BrokerCheck. NOT NCUA/NCUSIF INSURED • NOT A DEPOSIT • NO CREDIT UNION GUARANTEE • MAY LOSE VALUE • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • Privacy Policy • Disclosures • Registered Address: 3141 Capital Ave. SW, Battle Creek, MI 49015. This site is published for residents of the United States only. Registered Representatives of Cetera Advisor Networks LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor. For additional information please contact the advisor(s) or visit the Cetera Advisor Networks LLC site at www.ceteraadvisornetworks.com.

Medicare Made Easy!

The Basics of Medicare Everyone Must Know

OMNI is excited to partner with Medicare Education & Solutions Group and offer educational webinars to our members.

Medicare Education & Solutions Group will provide free 45-minute online webinars where we will explain the 10 important Who, What, Where, When & Whys of Medicare.

Jim Fournier, Founder/CEO, has been a Michigan licensed insurance agent for over 27 years. He has guided many employers and individuals with the proper steps for obtaining Medicare coverage on time.

Register today!

Banking online or by phone is quickly becoming the preferred way to bank. That's why we offer a variety of account access services so you can bank whenever, wherever.

Digital Banking

Manage your accounts online 24/7 from anywhere you have internet access. You can view your account and credit card statements, account history and transactions, transfer funds, pay bills and much more all from your computer. Learn more about Digital Banking

Digital Banking App

Access your accounts from your mobile device and view account information, transfer funds, deposit checks, pay bills, apply for a loan and more. Learn more about Digital Banking App

Bank By Phone - iTalk

Access your accounts by phone to transfer funds between accounts, make a loan payment, make stop payments and more. Contact us to learn more. iTalk toll free: 866-487-7715 or iTalk local: 269-441-3100

E-Statements

Electronic statements are delivered to you each month and are accessible through our Internet Banking service. This features less waste (no more paper statements) and is safe, secure and archived for your convenience. Contact us to learn more.

Direct Deposit

No need to stop in a branch when you use this service. Your payroll, social security or other monthly check can be automatically deposited into your account each month. You will need to provide your OMNI Account number and OMNI Routing Number - 2724-7665-3. Learn more about Direct Deposit.

Online Bill Pay

Easily schedule and pay bills online through Digital Banking for free. Imagine, you'll no longer need to mail payments or wait for automatic withdrawals. You'll have easy online access to your payment history which makes managing accounts that much easier. How to get Started with Online Bill Pay  Watch a Demo  Benefits of Online Bill Pay.

Alerts

Schedule customized Alerts and reminders through Digital Banking. It's a great way to stay on top of your finances. Current Internet and Digital Banking App users can sign up by logging in. Learn more about Alerts.

Digital Loan Closing

Accept and sign your loan paperwork through email correspondence. No more trips to the branch to get your loan closed.

ATM/Debit Cards

Our MasterCard^® Debit Card lets you make purchases at millions of locations worldwide, wherever the MasterCard^® logo is accepted. Use your debit card to pay for goods and services and the funds come directly from your checking account. You can also use this card as an ATM card, making deposits, withdrawals and transfers. If you prefer, we also offer a traditional ATM card which enables you to make deposits, withdrawals and transfers via ATM.

CO-OP ATM Locator

CO-OP Network ATMs. Access your accounts at thousands of surcharge-free ATMs nationwide.

We are dedicated to providing all the products and services to make banking with us easy. That's why we also offer a variety of convenience services to our members. For assistance in any of these services or for additional information, give us a call at 866.OMNI.WOW or stop by a local branch office.

Apple Pay

Now you are able to pay with a single touch using your OMNI MasterCard^® Debit Card or Platinum Mastercard^® Credit Card with Apple Pay on iPhone^®. Pay in stores with a single touch wherever the Apple Pay logo is displayed. Learn more about Apple Pay.

Wire Transfers

We offer domestic and international wire transfer service. Contact us to learn more.

Check Images

Access digital images of your checks through Digital Banking. You can view, print or download copies of paid checks from your current and prior two statement cycles free.

Financial Counseling

We've teamed up with GreenPath Financial Wellness, a financial management program to provide you with FREE access to money management and financial education services. Through this membership you can receive assistance with budgeting, debt repayment, money management, improving your credit score, avoiding bankruptcy/foreclosure/repossession and other ways to take control of your finances.

GreenPath Financial Wellness counselors are available Monday through Thursday 8am - 10pm, Friday 8am - 7pm and Saturday 9am - 1pm. To use this service, call 1-877-337-3399 or visit them on the web at www.greenpathref.com.

*Annual Percentage Rate (APR) shown is based on you qualifying for all three of the following discounts off the standard rate: 0.25% off for OMNI checking account with debit card. 0.25% off if you have a current or prior loan (within last five years) with OMNI. 0.25% off for Digital Loan Closing. **3.240% available up to 36 months; other rates available up to 72 months.

*Annual Percentage Rate (APR) shown is based on you qualifying for all three of the following discounts off the standard rate: 0.25% off for OMNI checking account with debit card. 0.25% off if you have a current or prior loan (within last five years) with OMNI. 0.25% off for Digital Loan Closing.

*Annual Percentage Rate (APR) shown is based on you qualifying for all three of the following discounts off the standard rate: 0.25% off for OMNI checking account with debit card. 0.25% off if you have a current or prior loan (within last five years) with OMNI. 0.25% off for Digital Loan Closing. Up to .75% off if you qualify for all three discounts. *6.00% available up to 120 months. 100% financing under $50,000; 75% financing; 25% down payment required over $50,000.

* HELOC Variable interest rate is based on market rates and subject to change at least quarterly. Michigan and Indiana owner-occupied properties only. Program rates, terms and conditions are subject to change without notice. Additional restrictions may apply.

Youth Special: *$1,000 maximum. Ages 0-18. One per member.

These calculators can help you estimate loan payments, savings and Cashback Rebate totals. Inconsistencies may occur with use. Calculation results are not guaranteed.

Loan Calculator

Savings Calculator

Cashback Rebate Calculator