We are a Full-service mortgage broker. We offer the most competitive rates, innovative loan programs and personalized services available in the residential markets We are an aggressive full service commercial loan company. We shop to find the best loan rates and terms available. We are unmatched in our ability, experience, effectiveness and flexibility. Our Rates are the most competitive in the market. We offer an extensive list of construction programs ranging from having your dream home built for you to buying a lot having your home built and getting the end loan all in one sitting. Health One Credit Union was founded in late April 1956. A group of 25 employees solicited Blue Cross and Blue Shield of Michigan. At that time, both companies were independent of each other. As the credit union move was increasing, this group of employees solicited their employers to sponsor a cooperative credit union where its members, through their deposits, would assist other members. On April 24, 1957, the State of Michigan’s Financial Institutions Bureau granted a State chartered license to Blue Cross Blue Shield Employees Credit Union. The credit union operated at 441 East Jefferson on the 5 th Floor just outside the cafeteria in which they had limited hours. The credit union staff was 100% volunteers. Along with the staff of volunteers, there were two committees required for charter – the Supervisory Committee, also made up of volunteers, who was responsible for reconciling, auditing, and reviewing policies. It was also required that there be a Credit Committee. This committee met on a regular basis to review loan requests. Two of the three-committee members were required for approval. At the beginning, the credit union’s largest loan that could be obtained at that time was $400.00. Each member had a passbook where his or her withdrawals and/or deposits were recorded. After the first year of operation, assets totaled $73,443.22. The first Board of Directors was comprised of seven members. The first President of the William Burke, Vice President was Don Trathen, and Treasurer was Warren Trathen. The first annual meeting had an attendance of 628 members. At that time, the credit union paid a dividend of 3.25% and a 2% rebate on those members that had loans. At that time, membership was open to employees and immediate family members. Several years later, the Board of Directors solicited the State of Michigan to expand the field of membership to include the healthcare industry, which allowed the credit union to expand in the seven adjacent counties. With the expansion of the field of membership, the Board solicited the State of Michigan to change the credit union’s name from Blue Cross Blue Shield Employees’ Credit Union to Health One Credit Union – our current name. It was in the late 1980’s, our name was changed to Health One Credit Union. With that change, we expanded our field of membership, which now includes: • Employees and Pensioners of Blue Cross Blue Shield of Michigan. • Medical Mutual of Ohio. • Food service providers of BCBSM of Michigan and Medical Mutual of Ohio. • Employees of health care related organizations, providers and practitioners, affiliates and subsidiaries in the counties of Genesee, Macomb, Monroe, Oakland, St. Clair, Washtenaw and Wayne, Michigan. • Employees or members of employer groups within 25 miles of Health One’s main office or branch office. • Employees & Pensioners of the Michigan Mutual Insurance Company & its subsidiaries, Associated General Insurance Company, & Associated General Life Company who work in the states of Florida, Indiana, Illinois, Kentucky, Michigan, Missouri, New York, North Carolina, Ohio or Tennessee. • Any person over the age of 55 who received a retirement annuity, pension, social security, or similar retirement payment from private or government sources, and lives in, or belongs to a retirement organization located in the county, or in a county contiguous to the county where the credit union’s main office is located. • Employees of the credit union and members of their immediate families.