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Overview / Commentary
989-734-4130
478 N Third St
Rogers City, MI 49779-1369

Calcite Credit Union is headquartered in Rogers City and is the 128th largest credit union in the state of Michigan. It is also the 1,986th largest credit union in the nation. It was established in 1961 and as of September of 2016, it had grown to 15 employees and 9,160 members at 3 locations. Calcite Credit Union has an A health rating.

Field of Membership Restrictions

Calcite CU is open to anyone that resides or works in the following Michigan Counties; Alpena, Cheboygan, or Presque Isle. Membership also extends to include direct family members, widows/widowers that are not remarried, CU employees, and organizations under specified guidelines.
See current membership details

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Health
A
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. Calcite Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #62333
Year Chartered1961
Employees15
Primary Regulator
Profit Margin
Return on Assets - YTD0.96%
Return on Equity - YTD8.02%
Annual Interest Income$1.6MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$68.8MM$61.4MM
LoansQ3 2016vs Q3 2015$35.7MM$31.0MM
DepositsQ3 2016vs Q3 2015$59.4MM$52.8MM
Equity CapitalQ3 2016vs Q3 2015$8.2MM$7.5MM
Loan Loss AllowanceQ3 2016vs Q3 2015$110.00K$123.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$69.00K$75.00K
Real Estate OwnedQ3 2016vs Q3 2015$98.00K$32.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Calcite Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%--IRA Share Account
1.26%--Roth IRA Share Account
1.26%--Education IRA
0.30%*$15k*-Special Account
OTHER TIERS: 0.15% Up to $15k
0.15%--Regular Shares
0.15%--Side Share Account
0.15%--Christmas Club

Calcite Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$1k-3 Year CD
0.75%$1k-2 Year CD
0.50%$1k-1 Year CD
0.30%$1k-6 Month CD

Calcite Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$1k-3 Year IRA CD
0.75%$1k-2 Year IRA CD
0.50%$1k-1 Year IRA CD
Locations


Calcite Credit Union Locations
Branch Office478 N Third StRogers City, MI 49779-1369
Branch Office10514 Michigan AvePosen, MI 49776-9125
Branch Office1005 S Main StCheboygan, MI 49721-2258