Financialedge Community Credit Union

Overview / Commentary
1199 S Euclid Ave
Bay City, MI 48706

Financialedge Community Credit Union is headquartered in Bay City and is the 107th largest credit union in the state of Michigan. It is also the 1,677th largest credit union in the nation. It was established in 1950 and as of September of 2019, it had grown to 32 employees and 8,857 members at 3 locations. Financialedge Community Credit Union's CD rates are 78% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Financial Edge Community Credit Union of Michigan is open to the residents, church members, and people that maintain employment within these eligible locations: Arenac, Midland, and Saginaw, retirees that are 55+ drawing an income compensation from any source and are committed to a retirement organization within the county of the credit union main office, credit union employees, member affiliated organizations, the family members of the mentioned people, and the widows/widowers of deceased members.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Financialedge Community Credit Union has a relatively low asset base.

Health Grade Components

NCUA #61619
Year Chartered1950
Primary Regulator
Profit Margin
Return on Assets - YTD0.88%
Return on Equity - YTD7.62%
Annual Interest Income$2.9MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$94.1MM$92.3MM
LoansQ3 2019vs Q3 2018$69.7MM$64.8MM
DepositsQ3 2019vs Q3 2018$82.3MM$81.4MM
Equity CapitalQ3 2019vs Q3 2018$10.9MM$9.9MM
Loan Loss AllowanceQ3 2019vs Q3 2018$268.00K$289.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$482.00K$674.00K
Real Estate OwnedQ3 2019vs Q3 2018$37.00K$226.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Financialedge Community Credit Union Savings Account Rates

1.75%*-$10kMyLife Savings
OTHER TIERS: 0.05% $10k+
1.05%$25-Kirby Kids Club Account
1.05%$25-Elements Teen Club Account
0.45%*$150k*-High Yield 75 Savings
OTHER TIERS: 0.35% $75k - $100k | 0.40% $100k - $150k
0.40%*$250k*-Business High Yield Savings
OTHER TIERS: 0.20% $2.5k - $25k | 0.30% $25k - $50k | 0.35% $50k - $250k
0.35%*$100k*-IRA Savings Account
OTHER TIERS: 0.20% $100 - $10k | 0.25% $10k - $50k | 0.30% $50k - $100k
0.35%*$75k*-High Yield 25 Savings
OTHER TIERS: 0.30% $25k - $50k | 0.33% $50k - $75k
0.25%*$25k*-High Yield 2.5 Savings
OTHER TIERS: 0.20% $2.5k - $10k | 0.23% $10k - $25k
0.05%$25-Member Savings Account
0.05%$25-Christmas Club Account
0.05%$25-Secondary Savings Account
0.05%$25-Member Business Savings

Financialedge Community Credit Union Checking Account Rates

0.30%*$250k*-Business Premium 500 Checking
OTHER TIERS: 0.10% $10k - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k | 0.25% $100k - $250k
0.20%*$1.5k*-MyLife Gets Premier Interest
OTHER TIERS: 0.05% Up to $1.5k
0.10%--My Life Get Interest Checking

Financialedge Community Credit Union CD Rates

2.15%$100k-25 Month Jumbo CD Special
2.00%*$50k*-13 Month CD Special
OTHER TIERS: 1.70% $1k - $50k
2.00%*$50k*-13 Month Youth CD Special
OTHER TIERS: 1.70% $100 - $50k
2.00%$100k-60 Month Jumbo CD
1.90%$100k-48 Month Jumbo CD
1.85%$100k-36 Month Jumbo CD
1.80%$100k-24 Month Jumbo CD
1.70%$100k-18 Month Jumbo CD
1.60%*$100k*-7 Month CD Special
OTHER TIERS: 1.50% $1k - $100k
1.60%$100k-12 Month Jumbo CD
1.60%*$100k*-7 Month Youth CD Special
OTHER TIERS: 1.50% $1k - $100k
1.50%$100k-6 Month Jumbo CD
1.00%$1k-60 Month CD
1.00%$100-60 Month Youth CD
0.90%$1k-48 Month CD
0.90%$100-48 Month Youth CD
0.85%$1k-36 Month CD
0.85%$100-36 Month Youth CD
0.80%$1k-24 Month CD
0.80%$100-24 Month Youth CD
0.70%$1k-18 Month CD
0.70%$100-18 Month Youth CD
0.60%$1k-12 Month CD
0.60%$100-12 Month Youth CD
0.50%$1k-6 Month CD
0.50%$100-6 Month Youth CD

Financialedge Community Credit Union IRA Rates

2.15%$100k-25 Month Jumbo IRA Special
2.00%*$50k*-13 Month IRA Special
OTHER TIERS: 1.70% $1k - $50k
2.00%$100k-60 Month Jumbo IRA
1.90%$100k-48 Month Jumbo IRA
1.85%$100k-36 Month Jumbo IRA
1.80%$100k-24 Month Jumbo IRA
1.70%$100k-18 Month Jumbo IRA
1.60%*$100k*-7 Month IRA Special
OTHER TIERS: 1.50% $1k - $100k
1.60%$100k-12 Month Jumbo IRA
1.50%$100k-6 Month Jumbo IRA
1.00%$1k-60 Month IRA
0.90%$1k-48 Month IRA
0.85%$1k-36 Month IRA
0.80%$1k-24 Month IRA
0.70%$1k-18 Month IRA
0.60%$1k-12 Month IRA
0.50%$1k-6 Month IRA

Financialedge Community Credit Union Locations
Branch Office1199 S Euclid AveBay City, MI 48706
Branch Office1465 W Center RdEssexville, MI 48732
Branch Office1304 N Sherman StBay City, MI 48708

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