2. Community Alliance Credit Union

Community Alliance Credit Union


Overview / Commentary
www.communityalliancecu.org
800-287-0046
39500 High Pointe Blvd Ste 200
Novi, MI 48375

Community Alliance Credit Union is headquartered in Novi and is the 103rd largest credit union in the state of Michigan. It is also the 1,632nd largest credit union in the nation. It was established in 1966 and as of December of 2018, it had grown to 32 employees and 10,314 members at 2 locations. Community Alliance Credit Union's money market rates are 70% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, volunteer, attend school or worship in Monroe, Oakland, Wayne, Washtenaw, and Livingston Counties in Michigan. Membership is also open to employees, members of the Board of Directors/Governors, and pensioners of the Automobile Club of Michigan, the Auto Club Insurance Association, the Auto Club Group, and their successor and subsidiary companies and those who receive a retirement annuity, pension, social security, or similar retirement payment and live in or are part of a retirement organization in the counties served.
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Health
B

Data as of Q4 2018

Learn why bank health matters
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. Community Alliance Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #61184
Year Chartered1966
Employees32
Primary Regulator
Profit Margin
Return on Assets - YTD-0.08%
Return on Equity - YTD-0.96%
Annual Interest Income$5.8MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$97.9MM$104.0MM
LoansQ4 2018vs Q4 2017$84.8MM$95.5MM
DepositsQ4 2018vs Q4 2017$83.4MM$89.0MM
Equity CapitalQ4 2018vs Q4 2017$8.7MM$8.8MM
Loan Loss AllowanceQ4 2018vs Q4 2017$1.2MM$1.1MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$1.3MM$1.5MM
Real Estate OwnedQ4 2018vs Q4 2017$0$86.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Community Alliance Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$5-IRA Roth / Educational (share 75-77)
0.05%$5-Primary Shares Savings Account (Share 01-Share 25)
0.05%$5-IRA Share Account (Share 70)
0.05%$5-Holiday Savings Account (Share 99)

Community Alliance Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$100k*-Premium Money Market Account (Share 86)
OTHER TIERS: 0.50% → $25k - $50k | 0.60% → $50k - $100k
0.25%$2.5k-Money Market Account (Share 85)

Community Alliance Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$10k*-Business Interest Checking Account
OTHER TIERS: 0.10% → $3.5k - $10k
0.10%*$15k*-Alliance Checking Plus
OTHER TIERS: 0.05% → $2.5k - $15k

Community Alliance Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.65%$500-25 Month CD Special - New Money Only
2.25%$500-13 Month CD Special - New Money Only
2.15%$500-7 Month CD Special - New Money
2.00%$500-5 Year CD
2.00%$500-99 Day CD Special - New Money
1.60%$500-3 Year CD
1.35%$500-2 Year CD
1.10%$500-18 Month CD
1.00%$500-1 Year CD
0.60%$500-6 Month CD
0.50%$25-1 Year Save to Win CD Special

Community Alliance Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$500-5 Year IRA
1.60%$500-3 Year IRA
1.35%$500-2 Year IRA
1.10%$500-18 Month IRA
1.00%$500-1 Year IRA
0.60%$500-6 Month IRA
Locations


Community Alliance Credit Union Locations
Branch Office37401 Plymouth RdLivonia, MI 48150-1025
Corporate Office39500 High Pointe Blvd Ste 200Novi, MI 48375

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