Jolt Credit Union


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

Jolt Credit Union is headquartered in Saginaw and is the 46th largest credit union in the state of Michigan. It is also the 775th largest credit union in the nation. It was established in 1956 and as of March of 2025, it had grown to 104 employees and 27,644 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
B+

Health Grade Components

Overall
NCUA #68703
Year Chartered1956
Employees104
Primary Regulator
Profit Margin
Return on Assets - YTD0.97%
Return on Equity - YTD10.4%
Annual Interest Income$5.2MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$473.6MM$464.3MM
LoansQ1 2025vs Q1 2024$247MM$260.1MM
DepositsQ1 2025vs Q1 2024$401.9MM$403.8MM
Equity CapitalQ1 2025vs Q1 2024$43.7MM$37.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$1.7MM$1.6MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$723K$1MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

Rates for Jolt Credit Union are currently being reviewed.

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 Office2106 N Saginaw RdMidland, MI 48640-2660

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