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Adventure Credit Union

Popular Accounts at this Credit Union

4.00%Reward CheckingEdge Checking
1.66%5-year CD60 Month CD
0.40%1-year CD12 Month CD

Overview / Commentary
630 32nd St SE
Grand Rapids, MI 49548-2306

Adventure Credit Union is headquartered in Grand Rapids and is the 39th largest credit union in the state of Michigan. It is also the 673rd largest credit union in the nation. It was established in 1936 and as of March of 2017, it had grown to 121 employees and 31,569 members at 10 locations. Adventure Credit Union's money market rates are 2X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Barry, Allegan, Eaton, Clinton, Ingham, Ionia, Kent, Livingston, Newaygo, Ottawa, and Shiawassee Counties in Michigan. Membership is also open to anyone with disabilities living or working in the state of Michigan and to businesses who provide disability-related services and to employees of the Select Employer Groups.
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Reviews (4)

A New Adventure.

My wife and I closed on our refi with Adventure Credit Union last week and we couldn’t be happier with the whole process. After a quick review of our situation Eric was able to suggest one of Adventure's mortgage options that not only had a lower interest rate but was able to remove the high fees we were paying for mortgage insurance (PMI).

Adventure’s in-house underwriting was equally helpful in getting us the right mortgage and it won’t be sold off to some unknown firm in New Whatever.

We have only been members of Adventure Credit Union for a year or two but they now have our checking, savings, a personal loan, an auto loan and mortgage.

We highly recommend Adventure Credit Union for your Michigan craft banking needs.

Lifetime Of Great Experiences, Great Rates, Great Management, Family Friendly

Posted by: klaassen | Nov 23, 2011

I've been a member of this credit union since it was called Bell Com Credit union back in the mid-80's.  They gave me my first job while in high school and have treated my family with the utmost respect and kindness. 

With deep gratitude to the staff and leadership I am proud to write about my wonderful 25 years of experience with this credit union.  We have since moved out of state and continue our relationship and wouldn't change it for the world. 

I've personally spoken to leadership in the past couple of years and was struck with how caring they are given the new world of foreclosures and high unemployment we live in.  Needless to say, we will be members for years to come and are proud to be.

Thank you Option 1 for blessing my family in so many ways for 25+ years.  This kind of relationship is second to none for us.

Retired Army

This company made feel as if i was being prepared for collection's. They failed big time to notify me when my first car payment was due 10 days hence. Wanted me to do a credit card cash advance. Finally got my account numbers so i could set it up at my bank. Needless to say, the clerk is not customer friendly. Yes, the 32nd street address.

Option 1 CU Unfair To Old Customers

Posted by: bazardo | Nov 3, 2011

Watch out if you move out of state and don't close your account.  I called them today to close out my account and was told it had gone dormant and they had charged me 5.00 a month fees and exhausted my funds and then closed the account.  "it was on your statements that you were being charged and the account was being closed"  Now if I had read on my statement that I was being charged for NOT using my account there is no way I wouldn't have closed it right away.  Also they said it had 44.00 in it.  When I moved out of state it had over 100.00 in it.  Of course they kept telling me it was my fault for not reading my statement.  I have worked in the financial industry for over 30 years and there is no way I would not read any statement (if indeed I really got them).  Very poor and condescindiing customer service.  I would think in the interest of customer relations they would have given me the money they basically just took.  It was not like this when it was Bell Com. 


Health Grade Components

NCUA #60936
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD-0.21%
Return on Equity - YTD-1.62%
Annual Interest Income$3.2MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$363.2MM$297.5MM
LoansQ1 2017vs Q1 2016$285.0MM$215.7MM
DepositsQ1 2017vs Q1 2016$287.7MM$246.0MM
Equity CapitalQ1 2017vs Q1 2016$45.2MM$45.2MM
Loan Loss AllowanceQ1 2017vs Q1 2016$1.0MM$1.3MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$1.6MM$577.00K
Real Estate OwnedQ1 2017vs Q1 2016$103.00K$212.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Adventure Credit Union Savings Account Rates

0.65%*$15k*-Health Savings Checking (HSA)
OTHER TIERS: 0.15% Up to $2k | 0.30% $2k - $5k | 0.50% $5k - $15k
0.50%--SPARE CHANGE Savings
0.35%--IRA Daily Account
0.10%--Adventure Savings
0.10%--Craft Savings
0.10%--Christmas Club
0.10%--Little Adventurers Club Savings

Adventure Credit Union Money Market Rates

1.00%*$100k*-Money Market Account
OTHER TIERS: 0.20% $5k - $25k | 0.25% $25k - $50k | 0.30% $50k - $100k

Adventure Credit Union Checking Account Rates

4.00%-$10kEdge Checking

Adventure Credit Union CD Rates

1.66%$500-60 Month CD
1.50%$500-35 Month CD Special
1.36%$500-48 Month CD
1.10%$500-36 Month CD
1.00%$25-12 Month Save Up CD
1.00%$500-10 Month CD Special
0.70%$500-30 Month CD
0.65%$500-24 Month CD
0.50%$500-18 Month CD
0.40%$500-12 Month CD
0.30%$500-6 Month CD

Adventure Credit Union IRA Rates

1.66%$500-60 Month IRA
1.66%$500-60 Month CESA
1.50%$500-35 Month IRA Special
1.50%$500-35 Month CESA Special
1.36%$500-48 Month CESA
1.36%$500-48 Month IRA
1.10%$500-36 Month IRA
1.10%$500-36 Month CESA
1.00%$25-12 Month Save Up CESA
1.00%$500-10 Month IRA Special
1.00%$500-10 Month CESA Special
1.00%$25-12 Month Save Up IRA
0.70%$500-30 Month IRA
0.70%$500-30 Month CESA
0.65%$500-24 Month CESA
0.65%$500-24 Month IRA
0.50%$500-18 Month IRA
0.50%$500-18 Month CESA
0.40%$500-12 Month IRA
0.40%$500-12 Month CESA
0.30%$500-6 Month CESA
0.30%$500-6 Month IRA

Adventure Credit Union Locations
Branch Office6025 N Hagadorn RdEast Lansing, MI 48823
Branch Office630 32nd St SEGrand Rapids, MI 49548-2306
Branch Office1240 Chicago DrJenison, MI 49428-9308
Branch Office6250 S Cedar St Suite 14Lansing, MI 48911
Branch Office4211 Plainfield Ave NEGrand Rapids, MI 49525
Branch Office3286 Alpine Ave NWGrand Rapids, MI 49544
Branch Office2250 Lake Lansing RdLansing, MI 48912-5668
Branch Office6750 Kalamazoo Ave SEGrand Rapids, MI 49508
Branch Office2355 Health Dr SW Suite 120Wyoming, MI 49519
Branch Office45 Ottawa Ave NW Ste BGrand Rapids, MI 49503-2602