Circle Federal Credit Union

Overview / Commentary
507 E Main St
Niles, MI 49120

Circle Federal Credit Union is headquartered in Niles and is the 122nd largest credit union in the state of Michigan. It is also the 1,959th largest credit union in the nation. It was established in 1975 and as of December of 2019, it had grown to 33 employees and 5,126 members at 3 locations. Circle Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Circle Federal Credit Union is open to anyone who lives, works, worships, or is part of an organization in Cass County, Niles Township, or the City of Niles.
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Reviews (1)

Not With My Money

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This credit union will not be receiving any of my money

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. Circle Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #22114
Year Chartered1975
Primary Regulator
Profit Margin
Return on Assets - YTD0.31%
Return on Equity - YTD3.93%
Annual Interest Income$2.7MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$71.7MM$62.9MM
LoansQ4 2019vs Q4 2018$57.7MM$50.7MM
DepositsQ4 2019vs Q4 2018$65.8MM$57.1MM
Equity CapitalQ4 2019vs Q4 2018$5.5MM$5.3MM
Loan Loss AllowanceQ4 2019vs Q4 2018$90.00K$85.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$224.00K$243.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Circle Federal Credit Union Savings Account Rates

1.26%*-$2.5kMunicipal Savings
OTHER TIERS: 0.10% $2.5k+
1.01%--Optimum Savings
0.45%*$10k*-IRA Share Savings Account
OTHER TIERS: 0.35% $100 - $10k
0.45%*$10k*-Health Savings Account
OTHER TIERS: 0.35% $100 - $10k
0.30%*$100k*-Premier Savings Account
OTHER TIERS: 0.10% $2.5k - $10k | 0.15% $10k - $25k | 0.20% $25k - $100k
0.10%$100-Share Savings Account
0.10%$100-Christmas Club Account
0.10%$100-Vacation Club Account
0.10%$5-Youth Account
0.10%$100-Additional Savings

Circle Federal Credit Union CD Rates

1.41%$500-60 Month Share Certificate
1.26%$500-48 Month Share Certificate
1.01%$500-36 Month Share Certificate
0.95%$500-30 Month Share Certificate
0.90%$500-24 Month Share Certificate
0.85%$500-18 Month Share Certificate
0.80%$500-12 Month Share Certificate
0.40%$500-6 Month Share Certificate
0.30%$500-3 Month Share Certificate

Circle Federal Credit Union IRA Rates

1.01%$500-36 Month IRA Certificate
0.90%$500-24 Month IRA Certificate
0.80%$500-12 Month IRA Certificate

Circle Federal Credit Union Locations
Branch Office1050 E State StCassopolis, MI 49031
Branch Office68925 M-62; Suite AEdwardsburg, MI 49112-9150
Branch Office507 E Main StNiles, MI 49120-2617

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