Baraga County Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.26%	5-year CD	60 Month Share Certificate 1.85% - Synchrony Bank 60 Month CD
0.55%	1-year CD	12 Month Share Certificate 1.05% - Ally Bank High Yield 12-Month CD
0.15%	Savings	Regular Shares 1.00% - Ally Bank Online Savings Account

View all Baraga County Federal Credit Union rates »

Overview / Commentary

baragafcu.secure.cusolutionsgroup.net

906-524-6151

101 E Broad St
Lanse, MI 49946-1013

Baraga County Federal Credit Union is headquartered in Lanse and is the 159^th largest credit union in the state of Michigan. It is also the 2,707^th largest credit union in the nation. It was established in 1952 and as of June of 2016, it had grown to 9 employees and 5,196 members at 2 locations. Baraga County Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those working or living in Baraga County in Michigan.
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Health

B+

Data as of Q2 2016

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Baraga County Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	7672
Year Chartered	1952
Employees	9
Primary Regulator

Profit Margin
Return on Assets - YTD	0.13%
Return on Equity - YTD	1.47%
Annual Interest Income	$440.00K

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$35.4MM$32.4MM
Loans	Q2 2016vs Q2 2015	$11.2MM$11.6MM
Deposits	Q2 2016vs Q2 2015	$32.1MM$29.3MM
Equity Capital	Q2 2016vs Q2 2015	$3.1MM$2.9MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$86.00K$45.00K
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$34.00K$117.00K
Real Estate Owned	Q2 2016vs Q2 2015	$82.00K$0

Rates

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Baraga County Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%	-	-	Variable Rate IRA Shares
0.25%	$2,500	-	40 Shares
0.15%	$100	-	Regular Shares
0.15%	-	-	Life Savings

Baraga County Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.26%	$1k	-	48 Month Share Certificate
1.26%	$1k	-	60 Month Share Certificate
1.26%	$500	-	48 Month Youth Share Certificate
1.26%	$500	-	60 Month Youth Share Certificate
1.16%	$1k	-	36 Month Share Certificate
1.16%	$500	-	36 Month Youth Share Certificate
0.85%	$1k	-	24 Month Share Certificate
0.85%	$500	-	24 Month Youth Share Certificate
0.55%	$1k	-	12 Month Share Certificate
0.55%	$500	-	12 Month Youth Share Certificate

Baraga County Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.16%	-	-	36 Month IRA

Locations

Baraga County Federal Credit Union Locations
Branch Office	101 E Broad St	Lanse, MI 49946-1013
Branch Office	204 US Highway 41 N	Baraga, MI 49908-9170