Jolt Credit Union

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Overview / Commentary

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 759^th 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.
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Related Posts

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2020

7/24 - Jolt Credit Union (MI) Adds Kasasa Brand

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Health

B

Data as of Q2 2023

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Health Grade Components

Overall
NCUA #	68703
Year Chartered	1956
Employees	113
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.2%
Return on Equity - YTD	-2.48%
Annual Interest Income	$7.5MM

Assets and Liabilities
Assets	Q2 2023vs Q2 2022	$454.4MM$457.7MM
Loans	Q2 2023vs Q2 2022	$267.6MM$222.8MM
Deposits	Q2 2023vs Q2 2022	$391.8MM$418.1MM
Equity Capital	Q2 2023vs Q2 2022	$36.4MM$36.7MM
Loan Loss Allowance	Q2 2023vs Q2 2022	$0$805.00K
Unbacked Noncurrent Loans	Q2 2023vs Q2 2022	$751.00K$388.00K
Real Estate Owned	Q2 2023vs Q2 2022	$0$0

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	VIEW DETAILS
1.50%^*	-	$50k	Kasasa 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$10k^*	-	Money Market
OTHER TIERS: 0.20% → $1k - $10k

Jolt Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
5.00%^*	-	$15k	Kasasa Cash Checking
OTHER TIERS: 0.40% → $15k+

Jolt Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
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

Locations

Jolt Credit Union Locations
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
Branch Office	2106 N Saginaw Rd	Midland, MI 48640-2660

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