Embers Credit Union


Overview / Commentary
906-228-7080
1001 W Baraga Ave
Marquette, MI 49855

Embers Credit Union is headquartered in Marquette and is the 55th largest credit union in the state of Michigan. It is also the 1,000th largest credit union in the nation. It was established in 1953 and as of June of 2019, it had grown to 52 employees and 16,883 members at 5 locations. Embers Credit Union's money market rates are 14% higher than the national average, and it 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.
See current membership details

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Health

Health Grade Components

Overall
NCUA #62038
Year Chartered1953
Employees52
Primary Regulator
Profit Margin
Return on Assets - YTD-0.71%
Return on Equity - YTD-4.57%
Annual Interest Income$3.6MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$225.8MM$173.3MM
LoansQ2 2019vs Q2 2018$128.8MM$95.7MM
DepositsQ2 2019vs Q2 2018$189.8MM$144.0MM
Equity CapitalQ2 2019vs Q2 2018$32.2MM$25.8MM
Loan Loss AllowanceQ2 2019vs Q2 2018$690.00K$516.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$1.3MM$1.2MM
Real Estate OwnedQ2 2019vs Q2 2018$191.00K$88.00K
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
0.75%--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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%$1k-25 Month Share Certificate Special
2.40%$1k-19 Month Share Certificate Special
2.25%$1k-13 Month Share Certificate Special
2.02%$1k-60 Month Share Certificate
2.02%$1k-48 Month Share Certificate
1.76%$1k-36 Month Share Certificate
1.51%$1k-24 Month Share Certificate
1.00%$1k-12 Month Share Certificate
0.75%$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

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