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Country Heritage Credit Union


Overview / Commentary
www.countryheritagecu.com
269-695-2334
16580 Bakertown Rd
Buchanan, MI 49107-9201

Country Heritage Credit Union is headquartered in Buchanan and is the 149th largest credit union in the state of Michigan. It is also the 2,545th largest credit union in the nation. It was established in 1932 and as of September of 2019, it had grown to 8 employees and 1,443 members at 1 location. Country Heritage Credit Union has a B+ health rating.

Field of Membership Restrictions

Country Heritage CU of Michigan is open to the community members and people maintaining employment in a farming-oriented community, employees of the farming/agricultural businesses, farmers, and/or owners of farming units, have a rural address, persons that qualified under the original FOM, CU member affiliated organizations, widows/widowers of deceased members that have not remarried, and the family members of current CU members.
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Health
B+

Data as of Q3 2019

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. Country Heritage Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #62079
Year Chartered1932
Employees8
Primary Regulator
Profit Margin
Return on Assets - YTD1.64%
Return on Equity - YTD8.24%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$40.7MM$40.8MM
LoansQ3 2019vs Q3 2018$31.7MM$32.1MM
DepositsQ3 2019vs Q3 2018$32.8MM$31.8MM
Equity CapitalQ3 2019vs Q3 2018$8.1MM$7.5MM
Loan Loss AllowanceQ3 2019vs Q3 2018$348.00K$238.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$115.00K$154.00K
Real Estate OwnedQ3 2019vs Q3 2018$0$0
Rates
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Country Heritage Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%-$5kHoliday Savings
0.15%$10-Share Savings

Country Heritage Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.31%$1k$100k60 Month Certificate
1.31%$500$100k60 Month Youth Certificate
1.21%$1k$100k27 Month Certificate
1.21%$1k$100k48 Month Certificate
1.21%$500$100k27 Month Youth Certificate
1.21%$500$100k48 Month Youth Certificate
1.11%$1k$100k24 Month Certificate
1.11%$500$100k24 Month Youth Certificate
1.01%$1k$100k30 Month Certificate
1.01%$1k$100k36 Month Certificate
1.01%$500$100k30 Month Youth Certificate
1.01%$500$100k36 Month Youth Certificate
1.00%$1k$100k18 Month Certificate
1.00%$500$100k18 Month Youth Certificate
0.91%$1k$100k182 Day Certificate
0.91%$500$100k182 Day Youth Certificate
0.90%$1k$100k12 Month Certificate
0.90%$500$100k12 Month Youth Certificate
0.75%$1k$100k91-181 Day Certificate
0.75%$500$100k91-181 Day Youth Certificate

Country Heritage Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.31%$200-60 Month IRA Certificate
1.21%$200-48 Month IRA Certificate
1.10%$200-24 Month IRA Certificate
1.00%$200-36 Month IRA Certificate
0.91%$200-182 Day IRA Certificate
0.91%$200-12 Month IRA Certificate
0.75%$200-91-181 Day IRA Certificate
Locations


Country Heritage Credit Union Locations
Branch Office16580 Bakertown RdBuchanan, MI 49107-9201

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