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Members First CU (MI)

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.01%5-year CD60 Month CD
1.21%2-year CD27 Month CD Special
0.50%1-year CD44 Week CD Special

Overview / Commentary
989-835-5100
600 W Wackerly St
Midland, MI 48640-4702

Members First CU (MI) is headquartered in Midland and is the 36th largest credit union in the state of Michigan. It is also the 627th largest credit union in the nation. It was established in 1936 and as of December of 2016, it had grown to 147 employees and 49,942 members at 9 locations. Members First CU (MI) 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.
See current membership details

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Reviews (1)

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

Health Grade Components

Overall
NCUA #62076
Year Chartered1936
Employees147
Primary Regulator
Profit Margin
Return on Assets - YTD0.89%
Return on Equity - YTD8.25%
Annual Interest Income$17.1MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$390.7MM$370.4MM
LoansQ4 2016vs Q4 2015$245.5MM$223.9MM
DepositsQ4 2016vs Q4 2015$346.0MM$329.4MM
Equity CapitalQ4 2016vs Q4 2015$42.0MM$38.6MM
Loan Loss AllowanceQ4 2016vs Q4 2015$3.1MM$2.1MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$1.9MM$1.7MM
Real Estate OwnedQ4 2016vs Q4 2015$2.00K$32.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.33%*$100k*-Super High Yield Savings
OTHER TIERS: 0.28% $10k - $50k | 0.31% $50k - $100k
0.33%*$100k*-IRA Super High Yield Savings
OTHER TIERS: 0.28% $10k - $50k | 0.31% $50k - $100k
0.20%$2,500-High Yield Savings
0.20%$2,500-IRA High Yield Savings
0.15%--Regular Shares
0.15%--Kid's Club Savings
0.15%--Student Club Savings
0.15%--Christmas Club
0.15%--Special Savings
0.15%--IRA Savings

Members First CU (MI) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$250k*-Premier Business Checking
OTHER TIERS: 0.10% $500 - $10k | 0.20% $10k - $50k | 0.25% $50k - $250k
0.15%*$10k*-Premier Checking Package
OTHER TIERS: 0.05% $1k - $2,500 | 0.10% $2,500 - $10k
0.05%$1k-eChecking Package
0.05%$1k-Advantage 60 Checking Package

Members First CU (MI) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.01%$1k-60 Month CD
2.01%$100-60 Month Youth CD
1.75%$1k-48 Month CD
1.75%$100-48 Month Youth CD
1.41%$1k-36 Month CD
1.41%$100-36 Month Youth CD
1.21%$1k-27 Month CD Special
1.21%$100-27 Month Youth CD Special
1.00%$1k-24 Month CD
1.00%$100-24 Month Youth CD
0.70%$1k-15 Month CD Special
0.70%$100-15 Month Youth CD Special
0.65%$1k-12 Month CD
0.65%$100-12 Month Youth CD
0.50%$1k-44 Week CD Special
0.50%$100-44 Week Youth CD Special
0.40%$1k-6 Month CD
0.40%$100-6 Month Youth CD

Members First CU (MI) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.01%$1k-60 Month IRA
1.75%$1k-48 Month IRA
1.41%$1k-36 Month IRA
1.21%$1k-27 Month IRA Special
1.00%$1k-24 Month IRA
0.70%$1k-15 Month IRA Special
0.65%$1k-12 Month IRA
0.50%$1k-44 Week IRA Special
0.40%$1k-6 Month IRA
Locations


Members First CU (MI) Locations
Branch Office650 W 5th StClare, MI 48617
Branch Office4490 E Blue Grass RdMt Pleasant, MI 48858
Branch Office600 W Wackerly StMidland, MI 48640-4702
Branch Office1291 W Cedar AveGladwin, MI 48624
Branch Office3641 N Clare AveHarrison, MI 48625
Branch Office201 E 7th StEvart, MI 49631-8312
Branch Office4976 E Broadway StMt Pleasant, MI 48858-2995
Branch Office400 Dartmouth DrMidland, MI 48640
Corporate Office1515 Commerce Dr Ste EMidland, MI 48642-8531