Jolt Credit Union

Overview / Commentary
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 759th largest credit union in the nation. It was established in 1956 and as of June of 2023, it had grown to 113 employees and 27,664 members at 6 locations. Jolt Credit Union's CD rates are 6X 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.
See current membership details

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Health Grade Components

NCUA #68703
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD-0.2%
Return on Equity - YTD-2.48%
Annual Interest Income$7.5MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$454.4MM$457.7MM
LoansQ2 2023vs Q2 2022$267.6MM$222.8MM
DepositsQ2 2023vs Q2 2022$391.8MM$418.1MM
Equity CapitalQ2 2023vs Q2 2022$36.4MM$36.7MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$805.00K
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$751.00K$388.00K
Real Estate OwnedQ2 2023vs Q2 2022$0$0
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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

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

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

Jolt Credit Union Checking Account Rates

5.00%*-$15kKasasa Cash Checking
OTHER TIERS: 0.40% $15k+

Jolt Credit Union CD Rates

5.00%$1k-12 Month CD
5.00%$100-12 Month Youth CD
4.35%$1k-18 Month CD
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
2.00%$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

5.00%$500-12 Month CESA
5.00%$1k-12 Month IRA
4.35%$500-18 Month CESA
4.35%$1k-18 Month IRA
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
2.00%$500-6 Month CESA
2.00%$1k-6 Month IRA
0.50%$500-3 Month CESA
0.50%$1k-3 Month IRA

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
Branch Office2106 N Saginaw RdMidland, MI 48640-2660

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