Overview / Commentary
31155 Northwestern Hwy
Farmington Hills, MI 48334-2502

Community Choice Credit Union (MI) is headquartered in Farmington Hills and is the 11th largest credit union in the state of Michigan. It is also the 280th largest credit union in the nation. It was established in 1935 and as of June of 2018, it had grown to 265 employees and 98,833 members at 20 locations. Community Choice Credit Union (MI)'s money market rates are 36% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Community Choice Credit Union membership is open to anyone who resides, worships, or works in Michigan, or is an employee or retiree of General Motors, Kelly Services, Conrail, or AmTrack. Eligibility also extends to immediate family of current credit union members. (Membership requirements are listed in the credit union's online application)
See current membership details

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Reviews (3)

Great CU! Highly recommended

Posted by: ocoyad | Nov 15, 2014

Every interaction I have had as a member of Community Choice Credit Union has been a positive one! Their staff are very friendly, professional, and courteous. Any questions I have are answered with ease and on some occasions, they have told me how to reduce my fees in order to benefit me in the greatest way possible. Staff members are also easy to work with and I am always treated as though I am an individual, not just a member with a number.

Their facilities are visually appealing and very clean; I always appreciate their attention to detail and willingness to improve and renovate when it is desirable or necessary. Their online banking app for smartphones is very well-designed and makes working with them as a credit union even easier and more enjoyable. I would recommend Community Choice Credit Union to everybody I know!

In The Process Of Opening 57-Mon CD With CCCU

Posted by: kaimen | Mar 29, 2016

I am a remote non-member. The process is OK.
1. Open account online.
2. Call the museum to donate $25 and receive your member number in email
3. Forward museum member number to CCCU
4. I will fund the CDs by deposit a check through the credit union shared network. Their instruction says they'll reach out to you in 24-48 hours once you open an account - but I heard from no one for 3 days. So be pro-active.
5. Rate will be locked once fund is received.

Watch Out For FEES!!!

Posted by: sjh13 | Jul 6, 2017

As of 2017: Closing share acct fee $5, Using a shared branch $4, Inactivity fee (6 months) $5, Checking Acct fee $5.95, ATM Fees from $1.75 to up to $5 (!), IRA account closing $25 !!!! Every time I turn around, these folks add another fee! Oh, and NO ACH capability from within the CU.


Health Grade Components

NCUA #64880
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.76%
Return on Equity - YTD8.45%
Annual Interest Income$20.2MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$1.08B$1.06B
LoansQ2 2018vs Q2 2017$899.7MM$789.1MM
DepositsQ2 2018vs Q2 2017$949.4MM$937.8MM
Equity CapitalQ2 2018vs Q2 2017$97.5MM$92.1MM
Loan Loss AllowanceQ2 2018vs Q2 2017$4.8MM$3.6MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$4.0MM$3.6MM
Real Estate OwnedQ2 2018vs Q2 2017$239.00K$86.00K
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Always verify rates and promotions with the bank or credit union. We are not Community Choice Credit Union (MI); we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Community Choice Credit Union (MI) Savings Account Rates

3.00%*$5$500Captain Choice
OTHER TIERS: 0.05% $500+
3.00%*$5$500My Choice
OTHER TIERS: 0.05% $500+
3.00%*-$500Holiday Savings Account
OTHER TIERS: 0.05% $5k+ | 0.50% $500 - $5k
0.10%$100-Daily IRA Share
0.05%$100-Prime Savings
0.05%$100-Young Adult Savings
0.05%--Daily Share
0.05%$100-Business Savings

Community Choice Credit Union (MI) Money Market Rates

0.60%*$500k*-Money Market Plus
OTHER TIERS: 0.05% Up to $50k | 0.20% $50k - $250k | 0.40% $250k - $500k
0.60%*$500k*-Business Money Market
OTHER TIERS: 0.30% $10k - $100k | 0.40% $100k - $250k | 0.50% $250k - $500k
0.15%*$25k*-Money Market
OTHER TIERS: 0.05% Up to $2k | 0.10% $2k - $25k

Community Choice Credit Union (MI) Checking Account Rates

0.25%*$100k*-Business Premium Checking
OTHER TIERS: 0.10% $3.5k - $50k | 0.15% $50k - $100k
0.25%*$100k*-Business Deluxe Checking
OTHER TIERS: 0.10% $3.5k - $50k | 0.15% $50k - $100k
0.20%*$50k*-Choice Checking
OTHER TIERS: 0.10% $2.5k - $25k | 0.15% $25k - $50k

Community Choice Credit Union (MI) CD Rates

3.05%$500-59 Month CD Special
2.75%$500-38 Month CD Special
2.50%$500-23 Month CD Special
1.60%*$100k*-5 Year CD
OTHER TIERS: 1.50% $500 - $100k
1.50%$500-13 Month CD Special
1.40%*$100k*-4 Year CD
OTHER TIERS: 1.30% $500 - $100k
1.25%*$100k*-3 Year CD
OTHER TIERS: 1.15% $500 - $100k
0.90%*$100k*-2 Year CD
OTHER TIERS: 0.80% $500 - $100k
0.55%*$100k*-1 Year CD
OTHER TIERS: 0.50% $500 - $100k
0.40%$25-1 Year Save to Win CD
0.35%*$100k*-6 Month CD
OTHER TIERS: 0.30% $500 - $100k
0.30%*$100k*-3 Month CD
OTHER TIERS: 0.20% $500 - $100k

Community Choice Credit Union (MI) IRA Rates

2.50%$500-23 Month IRA Special
1.60%*$100k*-5 Year IRA
OTHER TIERS: 1.50% $100 - $100k
1.40%*$100k*-4 Year IRA
OTHER TIERS: 1.30% $100 - $100k
1.25%*$100k*-3 Year IRA
OTHER TIERS: 1.15% $100 - $100k
0.90%*$100k*-2 Year IRA
OTHER TIERS: 0.80% $100 - $100k
0.55%*$100k*-1 Year IRA
OTHER TIERS: 0.50% $100 - $100k
0.35%*$100k*-6 Month IRA
OTHER TIERS: 0.30% $100 - $100k


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