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Overview / Commentary
30400 Telegraph Road, Suite 122 Bingham Office Park
Bingham Farms, MI 48025

Construction Federal Credit Union is headquartered in Bingham Farms and is the 185th largest credit union in the state of Michigan. It is also the 3,309th largest credit union in the nation. It was established in 1974 and as of December of 2017, it had grown to 4 employees and 1,875 members at 1 location. Construction Federal Credit Union has a B health rating.


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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. Construction Federal Credit Union has a low asset base.

Health Grade Components

NCUA #21798
Year Chartered1974
Primary Regulator
Profit Margin
Return on Assets - YTD-0.13%
Return on Equity - YTD-0.91%
Annual Interest Income$592.00K
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$21.6MM$20.9MM
LoansQ4 2017vs Q4 2016$7.9MM$8.9MM
DepositsQ4 2017vs Q4 2016$18.3MM$17.6MM
Equity CapitalQ4 2017vs Q4 2016$3.2MM$3.2MM
Loan Loss AllowanceQ4 2017vs Q4 2016$165.00K$97.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$187.00K$4.00K
Real Estate OwnedQ4 2017vs Q4 2016$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.

Construction Federal Credit Union Savings Account Rates

0.87%$100k-Jumbo IRA Savings
0.60%--Pass Book Savings IRA

Construction Federal Credit Union Checking Account Rates


Construction Federal Credit Union CD Rates

0.83%$100k-12 Month Jumbo Certificate
0.77%*$10k*-36 Month Certificate
OTHER TIERS: 0.74% Up to $10k
0.75%*$10k*-30 Month Certificate
OTHER TIERS: 0.71% Up to $10k
0.73%*$10k*-24 Month Certificate
OTHER TIERS: 0.70% Up to $10k
0.67%*$10k*-18 Month Certificate
OTHER TIERS: 0.60% Up to $10k
0.43%*$10k*-12 Month Certificate
OTHER TIERS: 0.31% Up to $10k
0.23%*$10k*-6 Month Certificate
OTHER TIERS: 0.21% Up to $10k
0.17%*$10k*-3 Month Certificate
OTHER TIERS: 0.15% Up to $10k
0.11%$10k-2 Month Certificate
0.04%$10k-1 Month Certificate

Construction Federal Credit Union Locations
Branch Office30400 Telegraph Rd Ste 122 Bingham Office ParkBingham Farms, MI 48025