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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 565th largest credit union in the nation. It was established in 1936 and as of September of 2017, it had grown to 191 employees and 60,177 members at 12 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 Grade Components

NCUA #62076
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD0.9%
Return on Equity - YTD7.79%
Annual Interest Income$14.4MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$471.8MM$389.4MM
LoansQ3 2017vs Q3 2016$287.9MM$239.5MM
DepositsQ3 2017vs Q3 2016$416.8MM$345.4MM
Equity CapitalQ3 2017vs Q3 2016$51.3MM$41.0MM
Loan Loss AllowanceQ3 2017vs Q3 2016$2.9MM$2.5MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$3.1MM$1.5MM
Real Estate OwnedQ3 2017vs Q3 2016$0$44.00K
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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

0.33%*$100k*-Super High Yield Savings
OTHER TIERS: 0.30% $10k - $50k | 0.31% $50k - $100k
0.33%*$100k*-IRA Super High Yield Savings
OTHER TIERS: 0.30% $10k - $50k | 0.31% $50k - $100k
0.30%$2,500-High Yield Savings
0.30%$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

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

2.01%$1k-60 Month CD
2.01%$100-60 Month Youth CD
1.80%$1k-48 Month CD
1.80%$100-48 Month Youth CD
1.50%$1k-36 Month CD
1.50%$100-36 Month Youth CD
1.40%$1k-15 Month CD Special
1.40%$100-15 Month Youth CD Special
1.21%$1k-27 Month CD Special
1.21%$100-27 Month Youth CD Special
1.20%$1k-24 Month CD
1.20%$100-24 Month Youth CD
0.80%$1k-12 Month CD
0.80%$100-12 Month Youth CD
0.60%$1k-44 Week CD Special
0.60%$100-44 Week Youth CD Special
0.50%$1k-6 Month CD
0.50%$100-6 Month Youth CD

Members First CU (MI) IRA Rates

2.01%$1k-60 Month IRA
1.80%$1k-48 Month IRA
1.50%$1k-36 Month IRA
1.40%$1k-15 Month IRA Special
1.21%$1k-27 Month IRA Special
1.20%$1k-24 Month IRA
0.80%$1k-12 Month IRA
0.60%$1k-44 Week IRA Special
0.50%$1k-6 Month IRA