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Embers Credit Union


Overview / Commentary
www.embers.org
906-228-7080
1001 W Baraga Ave
Marquette, MI 49855

Embers Credit Union is headquartered in Marquette and is the 42nd largest credit union in the state of Michigan. It is also the 702nd largest credit union in the nation. It was established in 1953 and as of June of 2020, it had grown to 91 employees and 30,166 members at 8 locations. Embers Credit Union has 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
A+

Data as of Q2 2020

Learn why bank health matters

Health Grade Components

Overall
NCUA #62038
Year Chartered1953
Employees91
Primary Regulator
Profit Margin
Return on Assets - YTD0.4%
Return on Equity - YTD2.32%
Annual Interest Income$5.0MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$430.0MM$225.8MM
LoansQ2 2020vs Q2 2019$237.2MM$128.8MM
DepositsQ2 2020vs Q2 2019$366.5MM$189.8MM
Equity CapitalQ2 2020vs Q2 2019$57.5MM$32.2MM
Loan Loss AllowanceQ2 2020vs Q2 2019$2.3MM$690.00K
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$1.8MM$1.3MM
Real Estate OwnedQ2 2020vs Q2 2019$141.00K$191.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Embers Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%--IRA Account
0.10%$100-Vacation Club
0.10%$100-Share Account
0.10%--Christmas Club

Embers Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$50k*-Money Maker Account
OTHER TIERS: 0.10% → $100 - $25k | 0.20% → $25k - $50k

Embers Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.20%$1k-60 Month Share Certificate
1.10%$1k-48 Month Share Certificate
1.00%$1k-36 Month Share Certificate
0.75%$1k-24 Month Share Certificate
0.40%$1k-12 Month Share Certificate
0.25%$1k-6 Month Share Certificate
Locations


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
Branch OfficeE2906 State Highway M67Trenary, MI 49891
Branch Office200 E State Highway m28Munising, MI 49862
Branch Office9 W State Highway M35Gwinn, MI 49841
Branch Office2600 1st Ave SEscanaba, MI 49829-1313
Branch Office5664 Main StWells, MI 49894

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