Jolt Credit Union

Overview / Commentary

www.joltcu.com

989-799-8744

6180 State St
Saginaw, MI 48603

Jolt Credit Union is headquartered in Saginaw and is the 44^th largest credit union in the state of Michigan. It is also the 746^th largest credit union in the nation. It was established in 1956 and as of March of 2019, it had grown to 91 employees and 26,341 members at 6 locations. Jolt Credit Union's CD rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Jolt Credit Union is open to those who live, work, attend school or worship in Saginaw, Bay, Midland, Gladwin, Gratiot, Isabella, Arenac, Clare, Huron, Tuscola, Sanilac, Osceola, Mecosta, Wexford, Montcalm, Iosco, Roscommon, Ogemaw, or Missaukee counties in Michigan. Relatives of current credit union members are also eligible.
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Health

B+

Data as of Q1 2019

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Health Grade Components

Overall
NCUA #	10848
Year Chartered	1956
Employees	91
Primary Regulator

Profit Margin
Return on Assets - YTD	0%
Return on Equity - YTD	0.02%
Annual Interest Income	$3.1MM

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$347.1MM$354.4MM
Loans	Q1 2019vs Q1 2018	$245.3MM$244.1MM
Deposits	Q1 2019vs Q1 2018	$303.7MM$313.0MM
Equity Capital	Q1 2019vs Q1 2018	$40.6MM$38.9MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$1.3MM$1.1MM
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$1.1MM$1.7MM
Real Estate Owned	Q1 2019vs Q1 2018	$843.00K$463.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Jolt Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.65%^*	$50k^*	-	Super Saver Account
OTHER TIERS: 0.55% → $25k - $50k
0.65%^*	$50k^*	-	IRA Super Saver
OTHER TIERS: 0.55% → $25k - $50k
0.15%	$5	-	Savings Account
0.15%	$1	-	Christmas Club Account
0.15%	$1	-	Miscellaneous Savings Account
0.15%	$1	-	IRA Share Account

Jolt Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	$10k^*	-	Mega Money Market Account
OTHER TIERS: 0.45% → $1k - $10k

Jolt Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$1k	-	Interest Checking Account

Jolt Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.93%	$1k	-	60 Month CD
2.73%	$1k	-	48 Month CD
2.73%	$1k	-	39 Month Bump Up CD
2.57%	$1k	-	36 Month CD
2.52%	$1k	-	30 Month CD
2.27%	$1k	-	24 Month CD
2.02%	$1k	-	18 Month CD
1.81%	$1k	-	12 Month CD
1.81%	$500	-	12 Month Youth CD
1.41%	$1k	-	6 Month CD
1.41%	$500	-	6 Month Youth CD
1.26%	$1k	-	3 Month CD
1.26%	$500	-	3 Month Youth CD

Jolt Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.93%	$500	-	60 Month IRA
2.93%	$500	-	60 Month CESA
2.73%	$500	-	48 Month CESA
2.73%	$1k	-	48 Month IRA
2.57%	$500	-	36 Month CESA
2.57%	$1k	-	36 Month IRA
2.52%	$500	-	30 Month CESA
2.52%	$1k	-	30 Month IRA
2.27%	$500	-	24 Month CESA
2.27%	$1k	-	24 Month IRA
2.02%	$500	-	18 Month CESA
2.02%	$1k	-	18 Month IRA
1.81%	$500	-	12 Month CESA
1.81%	$1k	-	12 Month IRA
1.41%	$500	-	6 Month CESA
1.41%	$1k	-	6 Month IRA
1.26%	$500	-	3 Month CESA
1.26%	$1k	-	3 Month IRA

Locations

Jolt Credit Union Locations
Branch Office	334 Division St	Vassar, MI 48768
Branch Office	6180 State St	Saginaw, MI 48603
Branch Office	1002 S Washington Ave	Saginaw, MI 48601
Branch Office	915 S Euclid Ave	Bay City, MI 48706
Branch Office	3015 Center Ave	Essexville, MI 48732
Branch Office	1504 Cass Ave	Bay City, MI 48708

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