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Overview / Commentary

Team One Credit Union is headquartered in SAGINAW and is the 28th largest credit union in the state of Michigan. It is also the 550th largest credit union in the nation. It was established in 1935 and as of March of 2014, it had grown to 107 employees and 35,224 members. Team One Credit Union's savings rates are 83% higher than the national average, and it has a A health rating.

Field of Membership Restrictions

Anyone living, working, worshipping or attending school in the Michigan counties. - See Details

Reviews (2)

Personal Loan

I called to inquire about personal loan and its interest. I know that the loan that I'm looking at is a big amount but the lady that I've talked to keeps on repeating that I should think it over and it is a big amount. I thought that is what they are for, to lend us when we need it and we pay back with interest in return. It is very humiliating that a representative from a bank discourages you to use their resources in times of need as if the amount that you need will change because they find it a huge amount. Considering I have a very good history with my payments from my previous loans. I am so not pleased with their customer service today.

Whether it is a small amount or not, if the person is credit worthy shouldn't be that person be treated the way he should be, instead of being talked down as if the money is going to be given away for FREE

Poor Loan Products, Lacking Customer Appreciation

I banked with Team One Credit Union for about 10 years. Over that time I had many disappointments with them and finally took my business elsewhere because of their loan products and the fact that one hand didn't seem to know what the other was doing.  I received several letters from them saying that they didn't have a copy of my title after I already sent them numerous copies.  I also was hassled(more than just once) about not having insurance on a loan just several days after getting the loan!!! Um, hello- how did I even get the loan then???  The facts are that I am required to provide proof before I even can get the loan check. I will never bank with Team One Credit Union again and wouldn't recommend them either. I drive about a half hour to another credit union with much better service.


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 Team One Credit Union had $2.4 million in non-current loans and owned real-estate with $44.81 million in equity and loan loss allowances on hand to cover it. This gives Team One Credit Union a Texas Ratio of 5.36% 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 Team One Credit Union experienced no significant changes from 5.47% as of March 31, 2013 to 5.36% as of March 31, 2014, resulting in a positive change of 2.04%.This indicates that the balance sheet and financial strength for Team One Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Team One Credit Union has increased its total deposits by $14.36 million, resulting in 4.26% 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 Team One 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. Team One Credit Union has $398.53 million in assets with $44.81 million in equity, resulting in a capitalization level of 11.24%, which is excellent.

Institution Statistics

NCUA #62141
Year Chartered1935
Primary Regulator
Assets and Liabilities
Assets$398.53 million
Loans$241.12 million
Deposits$351.37 million
Equity Capital$43.02 million
Loan Loss Allowance$1.79 million
Unbacked Noncurrent Loans$1.85 million
Real Estate Owned$550,000
Historic Data - March 2013
Assets$381.95 million
Equity Capital$40.14 million
Loan Loss Allowance$2.00 million
Unbacked Noncurrent Loans$1.85 million
Real Estate Owned$742,000
Profit Margin - Quarterly
Return on Assets0.48%
Return on Equity4.43%
Interest Income$3.64 million

Always verify rates and promotions with the bank or credit union. We are not Team One Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Team One Credit Union Savings Account Rates

0.95%$25k-IRA Account
0.95%$25k-Deferred Compensation Account
0.95%$25k-Health Savings Account (HSA)
0.25%$10k-Regular Savings Account
0.25%$10k-Club Accounts
0.25%$10k-Kid's Club
0.25%$10k-Business Savings
0.20%$5k-"Your Savings" Account

Team One Credit Union Money Market Rates

0.55%$500k-Money Market Account

Team One Credit Union Checking Account Rates

0.25%$10k-Checking Account
0.25%$10k-Business Checking

Team One Credit Union CD Rates

1.75%$500-60 Month CD
1.75%$500-60 Month Deferred Compensation CD
1.60%$500-48-59 Month CD
1.60%$500-48-59 Month Deferred Compensation CD
1.25%$500-36-47 Month CD
1.25%$500-36-47 Month Deferred Compensation CD
1.00%$500-24-35 Month CD
1.00%$500-24-35 Month Deferred Compensation CD
0.75%$500-12-23 Month CD
0.75%$500-12-23 Month Deferred Compensation CD
0.50%$500-7-11 Month CD
0.50%$500-7-11 Month Deferred Compensation CD
0.40%$500-6 Month CD
0.40%$500-6 Month Deferred Compensation CD
0.35%$500-3-5 Month CD
0.35%$500-3-5 Month Deferred Compensation CD

Team One Credit Union IRA Rates

1.75%$500-60 Month IRA
1.60%$500-48-59 Month IRA
1.25%$500-36-47 Month IRA
1.00%$500-24-35 Month IRA
0.75%$500-12-23 Month IRA
0.50%$500-7-11 Month IRA
0.40%$500-6 Month IRA
0.35%$500-3-5 Month IRA

Team One Credit Union Locations
Branch Office625 S SANDUSKY RDSANDUSKY, MI 48471
Branch Office8450 GRATIOT RDSAGINAW, MI 48609
Branch Office3801 WILDER RD STE 4BAY CITY, MI 48706
Branch Office520 HAYDEN STSAGINAW, MI 48607
Branch Office1130 CLEAVER RDCARO, MI 48723
Branch Office499 BRICK STBAD AXE, MI 48413
Branch Office4075 McCARTY RDSAGINAW, MI 48603