Jolt Credit Union

Overview / Commentary
6180 State St
Saginaw, MI 48603

Jolt Credit Union is headquartered in Saginaw and is the 45th largest credit union in the state of Michigan. It is also the 769th largest credit union in the nation. It was established in 1956 and as of December of 2023, it had grown to 112 employees and 27,856 members at 5 locations. Jolt Credit Union 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-0.55%
Return on Equity - YTD-6.63%
Annual Interest Income$15MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$452.1MM$457.3MM
LoansQ4 2023vs Q4 2022$266MM$255.2MM
DepositsQ4 2023vs Q4 2022$392MM$406MM
Equity CapitalQ4 2023vs Q4 2022$37.2MM$36.5MM
Loan Loss AllowanceQ4 2023vs Q4 2022$1.8MM$877K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$777K$506K
Real Estate OwnedQ4 2023vs Q4 2022$0$0

Rates for Jolt Credit Union are currently being reviewed.


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 Office2106 N Saginaw RdMidland, MI 48640-2660

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