Overview / Commentary
902 S Washington Ave
Saginaw, MI 48601

Generations Family Federal Credit Union is headquartered in Saginaw and is the 171st largest credit union in the state of Michigan. It is also the 2,959th largest credit union in the nation. It was established in 1936 and as of September of 2018, it had grown to 6 employees and 3,315 members at 3 locations. Generations Family Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Saginaw County.
See current membership details


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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. Generations Family Federal Credit Union has a low asset base.

Health Grade Components

NCUA #1594
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD-0.24%
Return on Equity - YTD-2.02%
Annual Interest Income$722.00K
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$28.4MM$30.0MM
LoansQ3 2018vs Q3 2017$12.1MM$12.2MM
DepositsQ3 2018vs Q3 2017$24.7MM$26.4MM
Equity CapitalQ3 2018vs Q3 2017$3.4MM$3.5MM
Loan Loss AllowanceQ3 2018vs Q3 2017$123.00K$48.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$187.00K$112.00K
Real Estate OwnedQ3 2018vs Q3 2017$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.

Generations Family Federal Credit Union Savings Account Rates

0.15%*$20k*-High Yield Savings
OTHER TIERS: 0.10% $2.5k - $20k
0.05%$100-Regular Passbook Share Savings
0.05%$100-Christmas Club

Generations Family Federal Credit Union CD Rates

5.00%$10k-6-12 Month Youth CD
2.12%$10k-60 Month CD
2.02%$10k-48-59 Month CD
1.26%$10k-36-47 Month CD
0.95%$10k-24-35 Month CD
0.80%$10k-12-23 Month CD
0.45%$10k-6-11 Month CD

Generations Family Federal Credit Union IRA Rates

2.12%$10k-60 Month IRA
2.02%$10k-48-59 Month IRA
1.26%$10k-36-47 Month IRA
0.95%$10k-24-35 Month IRA
0.80%$10k-12-23 Month IRA
0.45%$10k-6-11 Month IRA

Generations Family Federal Credit Union Locations
Branch Office1500 Weiss StSaginaw, MI 48602
Branch Office4945 Mackinaw RdSaginaw, MI 48603
Branch Office902 S Washington AveSaginaw, MI 48601

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