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Overview / Commentary
877-243-2528
31155 Northwestern Hwy
Farmington Hills, MI 48334-2502

Community Choice CU (MI) is headquartered in Farmington Hills and is the 11th largest credit union in the state of Michigan. It is also the 272nd largest credit union in the nation. It was established in 1935 and as of June of 2017, it had grown to 279 employees and 98,423 members at 20 locations. Community Choice CU (MI)'s money market rates are 36% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Community Choice CU (MI) is open to anyone through joining the Detroit Historical Museum. Membership is also open to those who live or work in Genesee, Lapeer, Livingston, Macomb, Oakland, St. Clair, Washtenaw, Wayne, Allegan, Kent, Monroe, Ottawa Counties in Michigan and to employees of select divisions of GM and employees of Kelly Services.
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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

Health Grade Components

Overall
NCUA #64880
Year Chartered1935
Employees279
Primary Regulator
Profit Margin
Return on Assets - YTD0.76%
Return on Equity - YTD8%
Annual Interest Income$16.3MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$1.06B$814.9MM
LoansQ2 2017vs Q2 2016$789.1MM$666.8MM
DepositsQ2 2017vs Q2 2016$937.8MM$708.1MM
Equity CapitalQ2 2017vs Q2 2016$92.1MM$72.9MM
Loan Loss AllowanceQ2 2017vs Q2 2016$3.6MM$4.1MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$3.6MM$3.0MM
Real Estate OwnedQ2 2017vs Q2 2016$86.00K$49.00K
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 Choice CU (MI) Savings Account Rates

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

Community Choice CU (MI) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$500k*-Money Market Plus Account
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 Account
OTHER TIERS: 0.05% Up to $2k | 0.10% $2k - $25k

Community Choice CU (MI) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$100k*-Business Premium Checking
OTHER TIERS: 0.10% $3,500 - $50k | 0.15% $50k - $100k
0.25%*$100k*-Business Deluxe Checking
OTHER TIERS: 0.10% $3,500 - $50k | 0.15% $50k - $100k
0.20%*$50k*-Choice Checking
OTHER TIERS: 0.10% $2,500 - $25k | 0.15% $25k - $50k

Community Choice CU (MI) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.60%*$100k*-5 Year CD
OTHER TIERS: 1.50% $500 - $100k
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-Save to Win 1 Year Certificate
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 CU (MI) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations

Availability