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Baraga County Federal Credit Union

Popular Accounts at this Credit Union

1.26%5-year CD60 Month Share Certificate
0.55%1-year CD12 Month Share Certificate
0.15%SavingsRegular Shares

Overview / Commentary
101 E Broad St
Lanse, MI 49946-1013

Baraga County Federal Credit Union is headquartered in Lanse and is the 157th largest credit union in the state of Michigan. It is also the 2,623rd largest credit union in the nation. It was established in 1952 and as of December of 2017, it had grown to 9 employees and 5,046 members at 1 location. 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.
See current membership details


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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

NCUA #7672
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD0.58%
Return on Equity - YTD7.53%
Annual Interest Income$1.0MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$37.7MM$36.6MM
LoansQ4 2017vs Q4 2016$11.1MM$11.0MM
DepositsQ4 2017vs Q4 2016$34.6MM$33.7MM
Equity CapitalQ4 2017vs Q4 2016$2.9MM$2.8MM
Loan Loss AllowanceQ4 2017vs Q4 2016$109.00K$98.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$9.00K$61.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$55.00K
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Baraga County Federal Credit Union Savings Account Rates

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

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

1.16%--36 Month IRA

Baraga County Federal Credit Union Locations
Branch Office101 E Broad StLanse, MI 49946-1013