At a glance
From its website, read 2 Nov 2026OMNI Community Credit Union is a credit union based in Battle Creek, Michigan. Its website describes auto loans, commercial real estate loans, credit-builder loans and 6 other loan types. Where it lends: Michigan and Indiana owner-occupied properties (home equity and HELOC loans). Consumer loan APRs stated on its site range from 4.99% to 22.99%. It says it considers borrowers with low or no credit history. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Toll-free | (866) 666-4969 source |
|---|---|
| Phone | (866) 487-7715 source |
| Apply online | Page with the application link |
| Website | www.omnicommunitycu.org |
| Office (official list) | 3141 Capital Ave SW, Battle Creek, MI 49015 |
What their website says about applying
Through Digital Banking
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Auto / vehicle loans | Rate: from 4.99% APR | As low as 4.99% APR | source |
| Home repair / improvement loans | Rate stated, not as an APR: see their wording | Rates as low as 8.49% | source |
| Personal / consumer loans | Rate: from 11.49% APR | As low as 11.49% APR | source |
| Personal / consumer loans | Rate: from 22.99% APR | As low as 22.99% APR | source |
| Auto / vehicle loans | Term: up to 7 yr | other rates available up to 84 months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Low or damaged credit considered
No credit check is required.
source - Membership required
Must be an OMNI Community Credit Union Member for a minimum of 12 months
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 11 Aug 2014 |
| RSSD ID | 554099 |
| Address | 3141 Capital Ave SW, Battle Creek, MI 49015 Directions (Google Maps) |
| Website | www.omnicommunitycu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Business and credit-builder pages are thin, and no general geographic service area or borrower focus is stated. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | We offer several affordable loan options for any type of vehicle you need. | source |
| Commercial real estate loans | — | to bigger business goals such as commercial real estate or vehicle loans | source |
| Credit-builder loans | — | Build your credit with a share secured loan from OMNI. | source |
| Small-dollar / emergency loans | $300 – $2,000 | Borrow between $300 - $2,000 with a fixed rate and term. | source |
| Equipment loans | — | Commercial and industrial equipment | source |
| Home repair / improvement loans | up to $30,000 | Loans up to $30,000 for joint borrowers | source |
| Home mortgages | — | We offer home loans for purchase or refinance, as well as home equity loan options. | source |
| Personal / consumer loans | — | Ideal option to pay for personal purchases such as appliances or debt consolidation | source |
| Small-business loans | — | We offer all the support and financing options you need, whether you're starting a business or looking for financing to expand an existing business. | source |
Loan sizes
Service area
Michigan and Indiana owner-occupied properties (home equity and HELOC loans)
Michigan and Indiana owner-occupied properties only.
source
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Fast Cash is fully online and available 24/7.
source
Pages read (7)
- https://www.omnicommunitycu.org/
- https://www.omnicommunitycu.org/personalBanking.php
- https://www.omnicommunitycu.org/rates/
- https://www.omnicommunitycu.org/apply-for-a-loan/
- https://www.omnicommunitycu.org/businessBanking.php
- https://www.omnicommunitycu.org/omni-fast-cash/
- https://www.omnicommunitycu.org/credit-life-disability/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your credit-builder loans and small-dollar emergency loans?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your commercial real estate loans and equipment loans?
Their website does not state a rate for this. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$4.9 million in 3 awards from the U.S. Treasury's CDFI Fund, 2021–2024 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $625,000 |
| 2022 | CDFI Equitable Recovery Program | $2,478,839 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as OMNI COMMUNITY (charter 60105). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $662 million (as of 30 Jun 2026) |
|---|---|
| Members | 47,039 (as of 30 Jun 2026) |
| Offices | 11 (as of 30 Jun 2026) |
Offices by state and county (11)
Michigan (11 offices)
- Calhoun County (4): 3141 Capital Ave SW, Battle Creek 49015 (main office); 1 Denso Rd, Battle Creek 49037; 220 Roosevelt Ave E, Battle Creek 49037; 4150 W Dickman Rd, Springfield 49037
- Kalamazoo County (2): 1609 E Cork St, Kalamazoo 49001; 6622 W Main St, Kalamazoo 49009
- St. Joseph County (5): 676 E Main St, Centreville 49032; 123 E State St, Colon 49040; 1313 S Centerville Rd, Sturgis 49091; 15425 Broadway Rd, Three Rivers 49093; 114 E Chicago Rd, White Pigeon 49099
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by OMNI Community Credit Union (NCUA charter 60105, filed as “OMNI COMMUNITY”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $370.6 million, 29,214 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 7.8% from $343.8 million on 30 Jun 2025 |
| Members | 47,039 (as of 30 Jun 2026); 46,592 (as of 30 Jun 2025) |
| Loans per member | $7,879 (total loans divided by members, 30 Jun 2026) |
| Total assets | $662 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $8.8 million | 2.4% |
| Used vehicle loans | $94 million | 25.4% |
| First-lien home mortgages (1-4 family) | $60.7 million | 16.4% |
| Other real estate loans (junior liens, other) | $25.6 million | 6.9% |
| Commercial (business) loans | $98.2 million | 26.5% |
| Credit cards | $31.5 million | 8.5% |
| Other unsecured loans | $32.6 million | 8.8% |
| Leases and other secured loans | $19.2 million | 5.2% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025OMNI Community Credit Union reported 262 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $26.6M (median loan about $75,000). 44 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 44 | 17% |
| Refinance (incl. 85 cash-out) | 102 | 39% |
| Home improvement | 60 | 23% |
| Other purpose | 56 | 21% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 262 | 100% |
Included above: 80 home-equity or other open-end lines of credit.
Where the loans were made
Counties with the most 2025 originations, out of 21 counties with at least one; 97% of its 2025 loans were for properties in Michigan:
- Calhoun County, MI (97)
- St. Joseph County, MI (85)
- Kalamazoo County, MI (30)
- Van Buren County, MI (9)
- Cass County, MI (8)
- Barry County, MI (7)
- Branch County, MI (5)
- Allegan County, MI (3)
Filed under LEI 254900W66Q1214MV8X83 as “OMNI Community Credit Union”; matched by name, state and city (checked by hand; see the method on our About page).
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $329,750 (16 loans) | All 7(a) lenders in Michigan: $135,000. Larger than the median loan of 80% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| Variable-rate 7(a) loans: rate over prime at approval, FY2024–26 | median 2.5 pts, half between 1.75 pts and 2.5 pts (15 loans; 0% at the SBA maximum) | All lenders in Michigan: median 2 pts, 5% at the maximum (5,372 loans). |
| SBA approvals, FY2023–24 → FY2025–26 | 4 → 13 | Rank among the 8 certified CDFIs in Michigan with SBA approvals in either period: 4 → 1. |
| Total assets (Call Report, 30 Jun 2026) | $662 million | Larger than 75% of the 16 other certified credit unions in Michigan (median $379.9 million). |
| Loans as a share of assets | 56% | Median of the same 16 credit unions: 72%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $343.8 million → $370.6 million (+8%) | Median change of 16 other certified credit unions in Michigan: +2%. Rank by loans held among these 17: 6 → 6. |
| Home loans originated in 2025 (HMDA) | 262 | More than 74% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 80% |
| Rate over prime | all variable-rate 7(a) loans in Michigan, FY2024–26 | 5,372 | median 2.5 pts vs 2 pts |
| SBA approvals then vs now | certified CDFIs in Michigan with SBA approvals FY2023–2026 | 7 | rank 4 → 1 of 8 |
| Call Report total assets | other certified credit unions in Michigan | 16 | larger than 75% |
| Loans held then vs now | certified credit unions in Michigan reporting both dates | 16 | rank 6 → 6 of 17 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 74% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 19 SBA-backed approvals for OMNI Community Credit Union in fiscal years 2020–2026 (October 2019 to September 2026):
- 16 7(a) loans as the lender: $8.1M in total (gross amount approved), median $329,750
- 3 504 projects as the third-party (first-lien) lender: $6.4M in total (its own third-party loan amount), median $1.6M
By fiscal year: FY2020 1 · FY2021 1 · FY2022 0 · FY2023 0 · FY2024 4 · FY2025 8 · FY2026 5.
What actually happened
- Size of its 7(a) loans: half were between $195,750 and $746,775, median $329,750 (16 loans)
- Term of its 7(a) loans: median 120 months (10 years) (16 loans)
- Interest rate at approval on its 7(a) loans in FY2025–26: median 9.25%, half between 9.00% and 10.00% (13 loans; SBA's initial rate, before any change on a variable loan)
- Fixed or variable: 6% of its 7(a) loans had a fixed rate (16 loans)
- Young businesses: 25% of its 7(a) loans went to a startup or a business two years old or less (16 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) standard (16, 84%)
- 504 projects (as the third-party lender) (3, 16%)
Borrower industries
NAICS sector, 3 or more loans.
- Accommodation and food services (6)
- Construction (4)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
- Calhoun County, MI (4)
- St. Joseph County, MI (4)
How this lender was matched in the SBA files: 504 third-party lender name: same name, state and city (SBA lists “Omni Community Credit Union”); NCUA charter 60105, found through the RSSD ID in NCUA records (SBA lists “Omni Community Credit Union”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. OMNI Community Credit Union may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Battle Creek and Michigan
- BlueOx Credit UnionCredit union · Battle Creek, MIAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- IGNITE CREDIT UNIONCredit union · Battle Creek, MIOfficial list only
- American 1 Credit UnionCredit union · Jackson, MIAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Awakon Federal Credit UnionCredit union · Onaway, MIAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- CASE Credit UnionCredit union · Lansing, MIAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home repair / improvement loans…Verified
- COMMUNITY FIRST FEDERAL CREDIT UNIONCredit union · Lakeview, MIAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
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