Family Financial Credit Union

Overview / Commentary
3575 Henry St
Norton Shores, MI 49441

Family Financial Credit Union is headquartered in Norton Shores and is the 92nd largest credit union in the state of Michigan. It is also the 1,443rd largest credit union in the nation. It was established in 1959 and as of June of 2023, it had grown to 33 employees and 16,790 members at 4 locations. Family Financial Credit Union's CD rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Family Financial Credit Union is open to those who live, work, worship, or attend school in the Michigan counties of Allegan, Kent, Mason, Montcalm, Muskegon, Newaygo, Oceana, or Ottawa. Immediate family members of current Family Financial Credit Union members are eligible for membership, regardless of where they live.
See current membership details

Reviews (2)


I have been a member of this credit union for a little over 12 years now. It's a huge improvement compared to my previous bank/credit union. They never give us unnecessary overdraft charges. Whenever I have had to call to speak with someone regarding questionable transactions I have always been pleased with the results. Their customer service is really superb, and they were very patient with my problems. Their site/mobile banking is really easy to handle as well. I like that I can transfer money without charges or an issue between my accounts. Overall I am very happy with this credit union and recommend them to anyone!


Posted by: |

Member for 10 years in good standing, paid off 3 loans EARLY, when my info was stolen and I had fraudulent charges on my account, I was treated like a criminal. No courtesy , or even follow up calls, I had to call each time ti find out what was going on, and they were not even nice. Over the years my card has been compromised numerous times, through no fault of my own.


Health Grade Components

NCUA #61633
Year Chartered1959
Primary Regulator
Profit Margin
Return on Assets - YTD0.63%
Return on Equity - YTD6.82%
Annual Interest Income$2.8MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$156.9MM$161.5MM
LoansQ2 2023vs Q2 2022$96.5MM$86.3MM
DepositsQ2 2023vs Q2 2022$139.7MM$144.9MM
Equity CapitalQ2 2023vs Q2 2022$14.8MM$14.9MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$162.00K
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$386.00K$247.00K
Real Estate OwnedQ2 2023vs Q2 2022$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Family Financial Credit Union Savings Account Rates

1.16%*$25k*-High Yield Savings Account
OTHER TIERS: 0.75% $2.5k - $5k | 0.85% $5k - $10k | 1.00% $10k - $25k
0.25%--Individual Retirement Account
0.05%$105-Regular Savings Account
0.05%--Christmas Club Account
0.05%--Dream Club Account
0.05%--Special Purpose Savings Account
0.05%--Earnie Youth Account

Family Financial Credit Union CD Rates

4.18%$25k-12 Month Jumbo CD
4.07%$500-12 Month CD
3.04%$25k-60 Month Jumbo CD
2.94%$500-60 Month CD
2.84%$25k-48 Month Jumbo CD
2.73%$500-48 Month CD
2.73%$25k-36 Month Jumbo CD
2.63%$500-36 Month CD
2.63%$25k-24 Month Jumbo CD
2.53%$500-24 Month CD
2.02%$500-6 Month CD
1.00%$100-6 Month CD Plus
0.50%$500-3 Month CD
0.50%$25-1 Year Save to Win CD

Family Financial Credit Union IRA Rates

4.18%$25k-12 Month Jumbo IRA Certificate
4.07%$500-12 Month IRA Certificate
3.04%$25k-60 Month Jumbo IRA Certificate
2.94%$500-60 Month IRA Certificate
2.84%$25k-48 Month Jumbo IRA Certificate
2.73%$500-48 Month IRA Certificate
2.73%$25k-36 Month Jumbo IRA Certificate
2.63%$500-36 Month IRA Certificate
2.63%$25k-24 Month Jumbo IRA Certificate
2.53%$500-24 Month IRA Certificate
2.02%$500-6 Month IRA Certificate
0.50%$500-3 Month IRA Certificate

Family Financial Credit Union Locations
Branch Office3575 Henry StNorton Shores, MI 49441
Branch Office4075 W Polk RdHart, MI 49420-8177
Branch Office1798 Holton RdN Muskegon, MI 49445-1473
Branch Office844 1st StMuskegon, MI 49440-1125

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