FinancialEdge Credit Union

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

FinancialEdge Credit Union is headquartered in Bay City and is the 102nd largest credit union in the state of Michigan. It is also the 1,636th largest credit union in the nation. It was established in 1950 and as of December of 2020, it had grown to 33 employees and 8,946 members at 3 locations. FinancialEdge Credit Union has an A health rating.

Field of Membership Restrictions

FinancialEdge Credit Union is open to anyone who lives, works or worships in Bay, Saginaw, Midland, or Arenac County. Immediate family and credit union employees are also eligible to join.
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Health Grade Components

NCUA #61619
Year Chartered1950
Primary Regulator
Profit Margin
Return on Assets - YTD0.5%
Return on Equity - YTD4.78%
Annual Interest Income$3.7MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$113.3MM$95.0MM
LoansQ4 2020vs Q4 2019$69.6MM$69.7MM
DepositsQ4 2020vs Q4 2019$100.7MM$83.0MM
Equity CapitalQ4 2020vs Q4 2019$11.7MM$11.1MM
Loan Loss AllowanceQ4 2020vs Q4 2019$358.00K$270.00K
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$521.00K$379.00K
Real Estate OwnedQ4 2020vs Q4 2019$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.

FinancialEdge Credit Union Savings Account Rates

1.00%*-$10kMyLife Savings
OTHER TIERS: 0.02% $10k+
0.52%$25-Kirby Kids Club Account
0.52%$25-Elements Teen Club Account
0.30%*$150k*-High Yield 75 Savings
OTHER TIERS: 0.20% $75k - $100k | 0.25% $100k - $150k
0.30%*$250k*-Business High Yield Savings
OTHER TIERS: 0.10% $2.5k - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k | 0.25% $100k - $250k
0.20%*$100k*-IRA Savings Account
OTHER TIERS: 0.10% $100 - $10k | 0.12% $10k - $50k | 0.17% $50k - $100k
0.20%*$75k*-High Yield 25 Savings
OTHER TIERS: 0.15% $25k - $50k | 0.17% $50k - $75k
0.15%*$25k*-High Yield 2.5 Savings
OTHER TIERS: 0.10% $2.5k - $10k | 0.12% $10k - $25k
0.02%$25-Member Savings Account
0.02%$25-Christmas Club Account
0.02%$25-Secondary Savings Account
0.02%$25-Member Business Savings

FinancialEdge Credit Union Checking Account Rates

0.20%--MyBusiness Gets Interest Checking
0.15%*$1.5k*-MyLife Gets Premier Interest
OTHER TIERS: 0.02% Up to $1.5k
0.05%--My Life Get Interest Checking

FinancialEdge Credit Union CD Rates

0.85%$1k-37 Month CD Special
0.85%$1k-37 Month Youth CD Special
0.80%$1k-60 Month CD
0.80%$100-60 Month Youth CD
0.80%$100k-60 Month Jumbo CD
0.75%$1k-25 Month CD Special
0.75%$1k-25 Month Youth CD Special
0.70%$1k-48 Month CD
0.70%$100-48 Month Youth CD
0.70%$100k-48 Month Jumbo CD
0.65%$50k-13 Month CD Special
0.65%$50k-13 Month Youth CD Special
0.60%$1k-36 Month CD
0.60%$100-36 Month Youth CD
0.60%$100k-36 Month Jumbo CD
0.50%$1k-24 Month CD
0.50%$100-24 Month Youth CD
0.50%$100k-24 Month Jumbo CD
0.40%$1k-12 Month CD
0.40%$1k-18 Month CD
0.40%$100-12 Month Youth CD
0.40%$100-18 Month Youth CD
0.40%$100k-12 Month Jumbo CD
0.40%$100k-18 Month Jumbo CD
0.30%$1k-6 Month CD
0.30%$100-6 Month Youth CD
0.30%$100k-6 Month Jumbo CD

FinancialEdge Credit Union IRA Rates

0.85%$1k-37 Month IRA Special
0.80%$1k-60 Month IRA
0.80%$100k-60 Month Jumbo IRA
0.75%$1k-25 Month IRA Special
0.70%$1k-48 Month IRA
0.70%$100k-48 Month Jumbo IRA
0.65%$50k-13 Month IRA Special
0.60%$1k-36 Month IRA
0.60%$100k-36 Month Jumbo IRA
0.50%$1k-24 Month IRA
0.50%$100k-24 Month Jumbo IRA
0.40%$1k-12 Month IRA
0.40%$1k-18 Month IRA
0.40%$100k-12 Month Jumbo IRA
0.40%$100k-18 Month Jumbo IRA
0.30%$1k-6 Month IRA
0.30%$100k-6 Month Jumbo IRA

FinancialEdge 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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