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 1,134th largest credit union in the nation. It was established in 1953 and as of December of 2018, it had grown to 39 employees and 12,749 members at 3 locations. Embers Credit Union's money market rates are 14% higher than the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Embers Credit Union is open to 1) those who live, work, attend school or worship in Alger, Chippewa, Baraga, Delta, Dickinson, Houghton, Gogebic, Iron , Luce, Keweenaw, Mackinac, Menominee, Marquette, Ontonagon or Schoolcraft Counties in Michigan; 2) registered members of a Catholic Parish that is under jurisdiction of the Roman Catholic Diocese of Marquette; and 3) immediate family of current members and those eligible.
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Health Grade Components

NCUA #62038
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD1.28%
Return on Equity - YTD8.24%
Annual Interest Income$6.3MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$176.8MM$164.3MM
LoansQ4 2018vs Q4 2017$100.2MM$91.0MM
DepositsQ4 2018vs Q4 2017$147.5MM$135.9MM
Equity CapitalQ4 2018vs Q4 2017$27.0MM$25.4MM
Loan Loss AllowanceQ4 2018vs Q4 2017$441.00K$524.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$1.2MM$1.7MM
Real Estate OwnedQ4 2018vs Q4 2017$88.00K$9.00K
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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

3.03%$1k-60 Month Share Certificate
3.03%$1k-48 Month Share Certificate
2.75%$1k-25 Month Share Certificate Special
2.65%$1k-19 Month Share Certificate Special
2.50%$1k-13 Month Share Certificate Special
1.76%$1k-36 Month Share Certificate
1.46%$1k-24 Month Share Certificate
0.75%$1k-12 Month Share Certificate
0.50%$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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