Embers Credit Union

Overview / Commentary
1001 W Baraga Ave
Marquette, MI 49855

Embers Credit Union is headquartered in Marquette and is the 64th largest credit union in the state of Michigan. It is also the 1,122nd largest credit union in the nation. It was established in 1953 and as of March of 2019, it had grown to 38 employees and 12,796 members at 3 locations. Embers Credit Union's CD rates are 40% higher than the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Embers Credit Union is open to those who live, work, or worship in any of the counties in Michigan's Upper Peninsula: Alger, Chippewa, Baraga, Delta, Dickinson, Houghton, Gogebic, Iron, Luce, Keweenaw, Mackinac, Menominee, Marquette, Ontonagon or Schoolcraft. Registered members of a Catholic Parish under the jurisdiction of the Roman Catholic Diocese of Marquette are also eligible to join, as are immediate family members of current Embers Credit union members or those eligible to join.
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Health Grade Components

NCUA #62038
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD1.19%
Return on Equity - YTD7.64%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$186.3MM$169.4MM
LoansQ1 2019vs Q1 2018$100.4MM$95.1MM
DepositsQ1 2019vs Q1 2018$155.0MM$141.4MM
Equity CapitalQ1 2019vs Q1 2018$28.2MM$25.4MM
Loan Loss AllowanceQ1 2019vs Q1 2018$396.00K$473.00K
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$1.0MM$768.00K
Real Estate OwnedQ1 2019vs Q1 2018$125.00K$88.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Embers Credit Union Savings Account Rates

0.75%--IRA Account
0.20%$100-Vacation Club
0.20%$100-Share Account
0.20%--Christmas Club
0.20%$5-Youth Share Account

Embers Credit Union Money Market Rates

0.50%*$50k*-Money Maker Account
OTHER TIERS: 0.20% $100 - $2.5k | 0.30% $2.5k - $10k | 0.35% $10k - $25k | 0.40% $25k - $50k

Embers Credit Union CD Rates

2.75%$1k-25 Month Share Certificate Special
2.65%$1k-19 Month Share Certificate Special
2.50%$1k-13 Month Share Certificate Special
2.27%$1k-60 Month Share Certificate
2.27%$1k-48 Month Share Certificate
2.02%$1k-36 Month Share Certificate
1.76%$1k-24 Month Share Certificate
1.26%$1k-12 Month Share Certificate
1.00%$1k-6 Month Share Certificate

Embers Credit Union Locations
Branch Office1600 S Front StMarquette, MI 49855
Branch Office487 US Highway 41Negaunee, MI 49866
Branch Office1001 W Baraga AveMarquette, MI 49855

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