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Arbor Financial Credit Union


Overview / Commentary
www.arborfcu.org
269-375-6702
1551 S 9TH ST
Kalamazoo, MI 49009-9404

Arbor Financial Credit Union is headquartered in KALAMAZOO and is the 24th largest credit union in the state of Michigan. It is also the 475th largest credit union in the nation. It was established in 1935 and as of December of 2019, it had grown to 187 employees and 42,138 members at 8 locations. Arbor Financial Credit Union's money market rates are 36% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Arbor Financial Credit Union is open to those who live, work, or worship anywhere in Michigan.
See current membership details

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34 Month IRA Certificate Special - 2/17/2020

Anyone who lives, works, or worships in Michigan can join. 3.04% APY - $250k min 2.78% APY - $125k min 2.53% APY - $70k min 2.43% APY - $30k min 2.27% APY - $500 min

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Reviews (3)

Fantastic Service!

Posted by: |

Wow..I wish every CU was this easy to work with. Submitted my app and was approved literally within 30 minutes. Super easy. Needed to wire some $$ to them to open a Certificate (CD) and a very helpful supervisor somehow became aware of my transfer and proactively got involved to help. Talked with her several times, and it was AWESOME to talk to someone across the state in Michigan vs. say, India. Really professional and helpful. And to the poster who said they only post in the AM - they posted my wire transfer in the late PM, right before the back office was closing for the day - so, no idea what you were referring to.

Hope they continue to offer competitive rates into the future as I would like to have a long relationship with this CU. They're on the smaller side in terms of total assets under management, but have been around since something like 1935. Hoping for good things ahead..

PS: the website for the application process is awesome..like many CUs, the website for online banking seems to have some issues..rating that part accordingly.

1

Arbor Financial Customer Experience (Kalamazoo, MI)

Posted by: |

Arbor Financial in Kalamazoo, Michigan is a friendly and welcoming bank in the local area. It mainly serves people who work in the education fields but also serves others. I have been banking here for many years and have found that the tellers know me by name and face and put a big smile on my face when they see me pull up. I have never had any negative experiences with this bank. I have always been able to access my money whenever I needed it and have never had any hidden or surprise fees associated with my account. I currently have such a good relationship with the bank that I have worked with their marketing representative to get Arbor Financial a table at my work events so that they can be more visible to the teachers at my school. I enjoy promoting them because of how wonderful of service they have provided me with over the years.

2

Slow Deposit Posting

Posted by: |

If you're in need of money don't bank here. Very slow at deposits, they only post in the a.m. Really!

3


Health
A

Data as of Q4 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #61708
Year Chartered1935
Employees187
Primary Regulator
Profit Margin
Return on Assets - YTD0.88%
Return on Equity - YTD9.55%
Annual Interest Income$27.2MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$655.5MM$573.4MM
LoansQ4 2019vs Q4 2018$547.2MM$474.7MM
DepositsQ4 2019vs Q4 2018$513.1MM$458.3MM
Equity CapitalQ4 2019vs Q4 2018$60.2MM$54.1MM
Loan Loss AllowanceQ4 2019vs Q4 2018$5.3MM$4.0MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$3.4MM$1.5MM
Real Estate OwnedQ4 2019vs Q4 2018$100.00K$115.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Arbor Financial Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Arbor Financial Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%*$5$1kVolt Savings Account
OTHER TIERS: 0.05% → $1k+
0.60%*$100k*-IRA Savings Account
OTHER TIERS: 0.30% → Up to $25k | 0.40% → $25k - $100k
0.05%$100-Regular Share Savings
0.05%$5-Explorer's Club Savings
0.05%--Special Savings

Arbor Financial Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$600k*-Maximum Money Market
OTHER TIERS: 0.05% → $500 - $50k | 0.15% → $50k - $100k | 0.20% → $100k - $200k | 0.30% → $200k - $300k | 0.35% → $300k - $400k | 0.40% → $400k - $500k | 0.45% → $500k - $600k
0.05%$500-Golden Money Market

Arbor Financial Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%-$15kMomentum Checking w/30+ Debit Card Purchases
2.00%-$15kMomentum Checking w/20-29 Debit Card Purchases
1.00%-$15kMomentum Checking w/10-19 Debit Card Purchases
0.20%*$100k*-Premier Checking
OTHER TIERS: 0.05% → $2.5k - $25k | 0.10% → $25k - $100k

Arbor Financial Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.27%*$250k*-120 Month Certificate
OTHER TIERS: 1.66% → $500 - $30k | 1.81% → $30k - $70k | 1.97% → $70k - $125k | 2.12% → $125k - $250k
2.02%*$250k*-84 Month Certificate
OTHER TIERS: 1.41% → $500 - $30k | 1.56% → $30k - $70k | 1.71% → $70k - $125k | 1.87% → $125k - $250k
1.97%*$250k*-60 Month Certificate
OTHER TIERS: 0.75% → $500 - $30k | 1.41% → $30k - $70k | 1.66% → $70k - $125k | 1.81% → $125k - $250k
1.81%*$250k*-48 Month Certificate
OTHER TIERS: 0.40% → $500 - $30k | 0.50% → $30k - $70k | 1.51% → $70k - $125k | 1.66% → $125k - $250k
1.31%*$250k*-36 Month Certificate
OTHER TIERS: 0.40% → $500 - $30k | 0.50% → $30k - $70k | 1.00% → $70k - $125k | 1.16% → $125k - $250k
1.16%*$250k*-24 Month Certificate
OTHER TIERS: 0.25% → $500 - $30k | 0.75% → $30k - $70k | 0.85% → $70k - $125k | 1.00% → $125k - $250k
0.90%*$250k*-12 Month Certificate
OTHER TIERS: 0.15% → $500 - $30k | 0.25% → $30k - $70k | 0.60% → $70k - $125k | 0.70% → $125k - $250k
0.75%*$250k*-6 Month Certificate
OTHER TIERS: 0.10% → $500 - $30k | 0.25% → $30k - $70k | 0.40% → $70k - $125k | 0.50% → $125k - $250k

Arbor Financial Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.04%*$250k*-34 Month IRA BOOST w/ $25k New Money
OTHER TIERS: 2.27% → $500 - $30k | 2.43% → $30k - $70k | 2.53% → $70k - $125k | 2.78% → $125k - $250k
2.27%*$250k*-120 Month IRA
OTHER TIERS: 1.66% → $500 - $30k | 1.81% → $30k - $70k | 1.97% → $70k - $125k | 2.12% → $125k - $250k
2.02%*$250k*-84 Month IRA
OTHER TIERS: 1.41% → $500 - $30k | 1.56% → $30k - $70k | 1.71% → $70k - $125k | 1.87% → $125k - $250k
1.97%*$250k*-60 Month IRA
OTHER TIERS: 0.75% → $500 - $30k | 1.41% → $30k - $70k | 1.66% → $70k - $125k | 1.81% → $125k - $250k
1.81%*$250k*-48 Month IRA
OTHER TIERS: 0.40% → $500 - $30k | 0.50% → $30k - $70k | 1.51% → $70k - $125k | 1.66% → $125k - $250k
1.31%*$250k*-36 Month IRA
OTHER TIERS: 0.40% → $500 - $30k | 0.50% → $30k - $70k | 1.00% → $70k - $125k | 1.16% → $125k - $250k
1.16%*$250k*-24 Month IRA
OTHER TIERS: 0.25% → $500 - $30k | 0.75% → $30k - $70k | 0.85% → $70k - $125k | 1.00% → $125k - $250k
0.90%*$250k*-12 Month IRA
OTHER TIERS: 0.15% → $500 - $30k | 0.25% → $30k - $70k | 0.60% → $70k - $125k | 0.70% → $125k - $250k
0.75%*$250k*-6 Month IRA
OTHER TIERS: 0.10% → $500 - $30k | 0.25% → $30k - $70k | 0.40% → $70k - $125k | 0.50% → $125k - $250k
Locations


Arbor Financial Credit Union Locations
Branch Office1551 S 9th StKalamazoo, MI 49009-9404
Branch Office701 S Paw Paw StLawrence, MI 49064-9507
Branch Office315 E SAINT JOSEPH STPAW PAW, MI 49079-1547
Branch Office811 W MICHIGAN AVETHREE RIVERS, MI 49093-2134
Branch Office2019 W Centre AvePortage, MI 49024-4815
Branch Office5991 GULL RDKALAMAZOO, MI 49048-4013
Branch Office5991 Gull RdKalamazoo, MI 49048-4013
Branch Office1389 M-89Otsego, MI 49078

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