Overview / Commentary
600 W Wackerly St
Midland, MI 48640-4702

Members First CU (MI) is headquartered in Midland and is the 30th largest credit union in the state of Michigan. It is also the 564th largest credit union in the nation. It was established in 1936 and as of June of 2018, it had grown to 202 employees and 63,355 members at 12 locations. Members First CU (MI)'s CD rates are 56% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Clare, Midland, Gladwin, Gratiot, Isabella, Bay, Osceola, and Saginaw Counties in Michigan. Membership is also open to students and employees of Midland County schools and the Midland City Education Association and Delta College who live or work in Midland County.
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Reviews (2)

My credit union

In all, I have been satisfied with my credit union for the last 30 years. I provided special services because of its coordination with the related work place. However, I did have some dissatisfaction with what I considered tight and hard lending policies. We were turned down a couple of times for loans that I felt should have been approved. It seemed our 30 years of time with them did not matter.

Awful And Disrespectful

Sure, they seem nice at first but then use bait and switch tactics when applying for a loan, to try to get you locked into a higher interest rate. Call center people ask for your account number and social security number as if it is their God-given right to have it. Security breech caused me to have to use a new debit card. When walking in to change the new debit card pin, teller never asked for my ID.
I even once ha a teller grab my drivers license out of my hand then ask for my date of birth ( which is on the license, duh!). However, he could not hear me because he had some headset on his head. Meanwhile, two other tellers just stood there starring at me.
Loan officer was a snotty millennial who did not bother to even shake my hand at the end of our deal or thank me. RUDE RUDE RUDE.
And forget asking to speak to management to make a complaint, they want your account number just to do that.


Health Grade Components

NCUA #62076
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD0.69%
Return on Equity - YTD6.34%
Annual Interest Income$11.2MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$491.2MM$411.5MM
LoansQ2 2018vs Q2 2017$309.5MM$243.8MM
DepositsQ2 2018vs Q2 2017$431.6MM$364.2MM
Equity CapitalQ2 2018vs Q2 2017$53.5MM$43.9MM
Loan Loss AllowanceQ2 2018vs Q2 2017$3.0MM$3.2MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$2.6MM$1.4MM
Real Estate OwnedQ2 2018vs Q2 2017$137.00K$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Members First CU (MI) Savings Account Rates

0.65%*$100k*-Super High Yield Savings
OTHER TIERS: 0.45% $10k - $50k | 0.55% $50k - $100k
0.65%*$100k*-IRA Super High Yield Savings
OTHER TIERS: 0.45% $10k - $50k | 0.55% $50k - $100k
0.33%$2.5k-High Yield Savings
0.33%$2.5k-IRA High Yield Savings
0.15%$5-Regular Shares
0.15%$5-Kid's Club Savings
0.15%$5-Student Club Savings
0.15%--Christmas Club
0.15%--Special Savings
0.15%--IRA Savings

Members First CU (MI) Checking Account Rates

0.35%*$250k*-Premier Business Checking
OTHER TIERS: 0.10% $500 - $10k | 0.20% $10k - $50k | 0.25% $50k - $250k
0.16%*$10k*-Premier Checking Package
OTHER TIERS: 0.05% $1k - $2.5k | 0.15% $2.5k - $10k
0.05%$1k-eChecking Package
0.05%$1k-Advantage 60 Checking Package

Members First CU (MI) CD Rates

2.55%$1k-60 Month CD
2.55%$100-60 Month Youth CD
2.50%$1k-27 Month CD Special
2.50%$100-27 Month Youth CD Special
2.35%$1k-15 Month CD Special
2.35%$1k-48 Month CD
2.35%$100-15 Month Youth CD Special
2.35%$100-48 Month Youth CD
2.25%$1k-36 Month CD
2.25%$100-36 Month Youth CD
1.85%$1k-24 Month CD
1.85%$100-24 Month Youth CD
1.50%$1k-44 Week CD Special
1.50%$100-44 Week Youth CD Special
1.40%$1k-12 Month CD
1.40%$100-12 Month Youth CD
0.90%$1k-6 Month CD
0.90%$100-6 Month Youth CD

Members First CU (MI) IRA Rates

2.55%$1k-60 Month IRA
2.50%$1k-27 Month IRA Special
2.35%$1k-15 Month IRA Special
2.35%$1k-48 Month IRA
2.25%$1k-36 Month IRA
1.85%$1k-24 Month IRA
1.50%$1k-44 Week IRA Special
1.40%$1k-12 Month IRA
0.90%$1k-6 Month IRA


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