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

Calcite Credit Union is headquartered in Rogers City and is the 123rd largest credit union in the state of Michigan. It is also the 1,912th largest credit union in the nation. It was established in 1961 and as of December of 2017, it had grown to 19 employees and 8,508 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.
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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. Calcite Credit Union has a relatively low asset base.

Health Grade Components

NCUA #62333
Year Chartered1961
Primary Regulator
Profit Margin
Return on Assets - YTD0.99%
Return on Equity - YTD8.38%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$73.3MM$68.4MM
LoansQ4 2017vs Q4 2016$37.9MM$37.1MM
DepositsQ4 2017vs Q4 2016$63.3MM$59.4MM
Equity CapitalQ4 2017vs Q4 2016$8.6MM$7.9MM
Loan Loss AllowanceQ4 2017vs Q4 2016$137.00K$121.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$142.00K$80.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$98.00K
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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

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

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

1.00%$1k-3 Year IRA CD
0.75%$1k-2 Year IRA CD
0.50%$1k-1 Year IRA CD

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