Jolt Credit Union


Overview / Commentary
989-799-8744
6180 State St
Saginaw, MI 48603

Jolt Credit Union is headquartered in Saginaw and is the 44th largest credit union in the state of Michigan. It is also the 748th largest credit union in the nation. It was established in 1956 and as of December of 2022, it had grown to 110 employees and 27,139 members at 5 locations. Jolt Credit Union's CD rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

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

Health Grade Components

Overall
NCUA #68703
Year Chartered1956
Employees110
Primary Regulator
Profit Margin
Return on Assets - YTD0.16%
Return on Equity - YTD2.05%
Annual Interest Income$13.5MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$457.3MM$447.0MM
LoansQ4 2022vs Q4 2021$255.2MM$213.6MM
DepositsQ4 2022vs Q4 2021$406.0MM$397.8MM
Equity CapitalQ4 2022vs Q4 2021$36.5MM$45.8MM
Loan Loss AllowanceQ4 2022vs Q4 2021$877.00K$698.00K
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$506.00K$690.00K
Real Estate OwnedQ4 2022vs Q4 2021$0$59.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Jolt Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*-$50kKasasa Saver
OTHER TIERS: 0.40% $50k+
0.63%*$50k*-Super Saver Account
OTHER TIERS: 0.53% $25k - $50k
0.63%*$50k*-IRA Super Saver
OTHER TIERS: 0.53% $25k - $50k
0.05%$5-Savings Account
0.05%$1-Christmas Club Account
0.05%$1-Miscellaneous Savings Account
0.05%$1-IRA Share Account

Jolt Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$10k*-Money Market
OTHER TIERS: 0.20% $1k - $10k

Jolt Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%*-$15kKasasa Cash Checking
OTHER TIERS: 0.40% $15k+

Jolt Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$100$3k12 Month Youth CD Special
3.25%$1k-30 Month CD
3.00%$1k-24 Month CD
3.00%$1k-36 Month CD
3.00%$1k-48 Month CD
3.00%$1k-60 Month CD
3.00%$1k-39 Month Bump Up CD
2.75%$1k-18 Month CD
2.50%$1k-12 Month CD
2.50%$100-12 Month Youth CD
2.00%$1k-6 Month CD
2.00%$100-6 Month Youth CD
0.50%$1k-3 Month CD
0.50%$100-3 Month Youth CD

Jolt Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%$500-30 Month CESA
3.25%$1k-30 Month IRA
3.00%$500-24 Month CESA
3.00%$500-36 Month CESA
3.00%$500-48 Month CESA
3.00%$1k-24 Month IRA
3.00%$1k-36 Month IRA
3.00%$1k-48 Month IRA
3.00%$1k-60 Month IRA
3.00%$500-60 Month CESA
2.75%$500-18 Month CESA
2.75%$1k-18 Month IRA
2.50%$500-12 Month CESA
2.50%$1k-12 Month IRA
2.00%$500-6 Month CESA
2.00%$1k-6 Month IRA
0.50%$500-3 Month CESA
0.50%$1k-3 Month IRA
Locations


Jolt Credit Union Locations
Branch Office6180 State StSaginaw, MI 48603
Branch Office1002 S Washington AveSaginaw, MI 48601
Branch Office915 S Euclid AveBay City, MI 48706
Branch Office3015 Center AveEssexville, MI 48732
Branch Office1504 Cass AveBay City, MI 48708

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