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Overview / Commentary
FLINT, MI 48506-3927

Dort Credit Union is headquartered in FLINT and is the 14st largest credit union in the state of Michigan. It is also the 383rd largest credit union in the nation. It was established in 1951 and as of March of 2014, it had grown to 122 employees and 66,006 members. Dort Credit Union's savings rates are 3X the national average, and it boasts a A+ health rating.

Field of Membership Restrictions

Who can join? -- Anyone who lives, works, attends school, worships, or volunteers in Genesee, Lapeer, or Shiawassee County, or Deerfield and Tyrone Townships in Livingston County. -- Spouses, children, parents, siblings, grandparents and grandchildren – including all adoptive and step relationships – of our current or potential members. -- Dort Federal has also nurtured special relationships with many area companies, we call them Corporate Partners, and their employees. - See Details

Reviews (1)

Love this credit union!

Dort Federal Credit Union is the best! Not only are their fees reasonable, they give their members many benefits! Once a year they give passes to the movies for 4, they have no questions asked loans of $1000 for members twice a year, and offer affordable rates for loans. The only area they lack is their app for smart phones and website. I'd like to see my pending transactions, which are not available in detail, only in an amount. Every time I have interacted with an employee of the credit union I have been treated with nothing less than friendliness and professionalism. I would recommend them again and again.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Dort Credit Union had $4.13 million in non-current loans and owned real-estate with $108.79 million in equity and loan loss allowances on hand to cover it. This gives Dort Credit Union a Texas Ratio of 3.80% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Dort Credit Union decreased dramatically from 5.56% as of March 31, 2013 to 3.80% as of March 31, 2014, resulting in a positive change of 31.72%.This indicates that the balance sheet and financial strength for Dort Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Dort Credit Union has increased its total deposits by $27.51 million, resulting in 5.98% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Dort Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Dort Credit Union has $598.24 million in assets with $108.79 million in equity, resulting in a capitalization level of 18.19%, which is excellent.

Institution Statistics

NCUA #7569
Year Chartered1951
Primary Regulator
Assets and Liabilities
Assets$598.24 million
Loans$362.95 million
Deposits$487.19 million
Equity Capital$104.29 million
Loan Loss Allowance$4.50 million
Unbacked Noncurrent Loans$3.26 million
Real Estate Owned$869,000
Historic Data - March 2013
Assets$567.04 million
Equity Capital$97.03 million
Loan Loss Allowance$5.04 million
Unbacked Noncurrent Loans$3.26 million
Real Estate Owned$526,000
Profit Margin - Quarterly
Net Interest Margin1.3%
Return on Assets1.49%
Return on Equity8.53%
Interest Income$5.48 million
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Dort Credit Union Savings Account Rates

1.50%$25k-IRA Shares
1.50%$25k-Coverdell Education Shares
0.60%$200k-Savings Plus
0.15%--Share Savings
0.15%--Business Share Savings

Dort Credit Union Checking Account Rates

0.20%$3k-Share Draft Checking
0.20%$3k-Business Share Draft Checking

Dort Credit Union CD Rates

1.10%$1k-4 Year Share Certificate
1.10%$1k-4 Year Business Share Certificate
1.00%$1k-42 Month Share Certificate
1.00%$1k-42 Month Business Share Certificate
0.90%$1k-3 Year Share Certificate
0.90%$1k-3 Year Business Share Certificate
0.80%$1k-30 Month Share Certificate
0.80%$1k-30 Month Business Share Certificate
0.75%$100k-1 Year Jumbo Share Certificate
0.75%$100k-1 Year Jumbo Business Share Certificate
0.70%$1k-2 Year Share Certificate
0.70%$1k-2 Year Business Share Certificate
0.65%$100k-6 Month Jumbo Share Certificate
0.65%$100k-6 Month Jumbo Business Share Certificate
0.60%$500-18 Month Share Certificate
0.60%$500-18 Month Business Share Certificate
0.55%$100k-3 Month Jumbo Share Certificate
0.55%$100k-3 Month Jumbo Business Share Certificate
0.50%$1k-1 Year Share Certificate
0.50%$1k-1 Year Business Share Certificate
0.40%$1k-6 Month Share Certificate
0.40%$1k-6 Month Business Share Certificate
0.35%$1k-3 Month Share Certificate
0.35%$1k-3 Month Business Share Certificate
0.30%$100k-1 Month Jumbo Share Certificate
0.30%$100k-1 Month Jumbo Business Share Certificate

Dort Credit Union IRA Rates

1.10%$1k-4 Year IRA Certificate
0.90%$1k-3 Year IRA Certificate
0.70%$1k-2 Year IRA Certificate
0.50%$1k-1 Year IRA Certificate

Dort Credit Union Locations
Branch Office9050 HOLLY RDGRAND BLANC, MI 48439-8336
Branch Office1724 DEMILLE RDLAPEER, MI 48446-3391
Branch Office14265 N Fenton RdFenton, MI 48430-1541
Branch Office1091 W HILL RdFLINT, MI 48507-4731
Branch Office1441 S State RdDAVISON, MI 48423-1911
Branch Office2845 DAVISON RdFLINT, MI 48506-3927
Branch Office5091 W PIERSON RDFLINT, MI 48504-1301