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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 44th largest credit union in the state of Michigan. It is also the 750th largest credit union in the nation. It was established in 1956 and as of June of 2022, it had grown to 118 employees and 26,382 members at 5 locations. Jolt Credit Union's CD rates are 11% higher than the national average, and it has an A 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
A

Data as of Q2 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #68703
Year Chartered1956
Employees118
Primary Regulator
Profit Margin
Return on Assets - YTD-0.54%
Return on Equity - YTD-6.71%
Annual Interest Income$6.2MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$457.7MM$438.5MM
LoansQ2 2022vs Q2 2021$222.8MM$213.4MM
DepositsQ2 2022vs Q2 2021$418.1MM$389.9MM
Equity CapitalQ2 2022vs Q2 2021$36.7MM$46.1MM
Loan Loss AllowanceQ2 2022vs Q2 2021$805.00K$831.00K
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$388.00K$797.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$0
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+
0.28%$25k-Super Saver Account
0.28%$25k-IRA Super Saver
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
2.50%*-$15kKasasa Cash Checking
OTHER TIERS: 0.40% → $15k+

Jolt Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$100$3k12 Month Youth CD Special
1.61%$1k-60 Month CD
1.51%$1k-48 Month CD
1.46%$1k-39 Month Bump Up CD
1.36%$1k-36 Month CD
1.31%$1k-30 Month CD
1.21%$1k-24 Month CD
1.10%$1k-18 Month CD
1.00%$1k-12 Month CD
1.00%$100-12 Month Youth CD
0.60%$1k-6 Month CD
0.60%$100-6 Month Youth CD
0.25%$1k-3 Month CD
0.25%$100-3 Month Youth CD

Jolt Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.61%$1k-60 Month IRA
1.61%$500-60 Month CESA
1.51%$500-48 Month CESA
1.51%$1k-48 Month IRA
1.36%$500-36 Month CESA
1.36%$1k-36 Month IRA
1.31%$500-30 Month CESA
1.31%$1k-30 Month IRA
1.21%$500-24 Month CESA
1.21%$1k-24 Month IRA
1.10%$500-18 Month CESA
1.10%$1k-18 Month IRA
1.00%$500-12 Month CESA
1.00%$1k-12 Month IRA
0.60%$500-6 Month CESA
0.60%$1k-6 Month IRA
0.25%$500-3 Month CESA
0.25%$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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