Overview / Commentary
W3803 US Highway 2/41
Powers, MI 49874-9793

Integra First Federal Credit Union is headquartered in Powers and is the 108th largest credit union in the state of Michigan. It is also the 1,657th largest credit union in the nation. It was established in 1948 and as of June of 2018, it had grown to 25 employees and 9,899 members at 3 locations. Integra First Federal Credit Union's money market rates are 93% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership to Integra First is open to those who live, work, worship or attend school in and other legal entities located Delta, Dickinson, Florence, Marinette, Menominee and Michigan Counties in Wisconsin.
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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. Integra First Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #5748
Year Chartered1948
Primary Regulator
Profit Margin
Return on Assets - YTD0.49%
Return on Equity - YTD5.41%
Annual Interest Income$1.6MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$96.4MM$99.8MM
LoansQ2 2018vs Q2 2017$55.4MM$49.3MM
DepositsQ2 2018vs Q2 2017$86.6MM$90.4MM
Equity CapitalQ2 2018vs Q2 2017$8.9MM$8.8MM
Loan Loss AllowanceQ2 2018vs Q2 2017$103.00K$95.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$192.00K$202.00K
Real Estate OwnedQ2 2018vs Q2 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.

Integra First Federal Credit Union Savings Account Rates

0.85%$10-IRA Account
0.15%$10-Regular Savings Account
0.15%--Christmas Club Account
0.15%--Vacation Club Account

Integra First Federal Credit Union Money Market Rates

0.85%*$50k*-Money Market Account
OTHER TIERS: 0.45% $10k - $25k | 0.50% $500 - $10k | 0.70% $25k - $50k

Integra First Federal Credit Union CD Rates

1.61%$10k-5 Year Term Certificate
1.31%$500-4 Year Term Certificate
1.11%$500-3 Year Term Certificate
0.65%$500-2 Year Term Certificate
0.35%$500-1 Year Term Certificate
0.25%$2.5k-6 Month Term Certificate

Integra First Federal Credit Union IRA Rates

1.61%$10k-5 Year IRA
1.31%$500-4 Year IRA
1.11%$500-3 Year IRA
0.65%$500-2 Year IRA
0.35%$500-1 Year IRA
0.25%$2.5k-6 Month IRA

Integra First Federal Credit Union Locations
Branch Office2600 10th StMenominee, MI 49858-1904
Branch OfficeW3803 US Highway 2/41Powers, MI 49874-9793
Branch OfficeS320 US HIGHWAY 41Stephenson, MI 49887

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