Overview / Commentary
4594 Pontiac Lake Rd
Waterford, MI 48328-2016

Metro North Federal Credit Union is headquartered in Waterford and is the 146th largest credit union in the state of Michigan. It is also the 2,397th largest credit union in the nation. It was established in 1952 and as of December of 2018, it had grown to 19 employees and 6,541 members at 2 locations. Metro North Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership is open to staff, students, graduates and family members of the Waterford or Holly Area School Districts and other area organizations.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Metro North Federal Credit Union has a low asset base.

Health Grade Components

NCUA #7604
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD0.45%
Return on Equity - YTD5.61%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$46.0MM$45.7MM
LoansQ4 2018vs Q4 2017$26.6MM$25.8MM
DepositsQ4 2018vs Q4 2017$42.0MM$42.0MM
Equity CapitalQ4 2018vs Q4 2017$3.7MM$3.5MM
Loan Loss AllowanceQ4 2018vs Q4 2017$116.00K$92.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$378.00K$137.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Metro North Federal Credit Union Savings Account Rates

0.01%$100-Share Account
0.01%$100-Holiday Club
0.01%$100-Vacation Club
0.01%$100-Secondary Share
0.01%--IRA Share
0.01%--Youth Holiday Club
0.01%--Youth Secondary Share
0.01%--Youth Share Account
0.01%--Youth Vacation Club

Metro North Federal Credit Union Money Market Rates

0.03%$2.5k-Money Market Account

Metro North Federal Credit Union CD Rates

0.33%*$1k*-36 Month CD
OTHER TIERS: 0.20% $500 - $1k
0.20%*$1k*-24 Month CD
OTHER TIERS: 0.08% $500 - $1k
0.15%*$1k*-18 Month CD
OTHER TIERS: 0.03% $500 - $1k
0.13%*$1k*-12 Month CD
OTHER TIERS: 0.03% $500 - $1k
0.08%*$1k*-6 Month CD
OTHER TIERS: 0.03% $500 - $1k

Metro North Federal Credit Union IRA Rates

0.33%$1k-36 Month IRA
0.20%$1k-24 Month IRA
0.15%$1k-18 Month IRA
0.13%$1k-12 Month IRA
0.07%$1k-6 Month IRA

Metro North Federal Credit Union Locations
Branch Office4594 Pontiac Lake RdWaterford, MI 48328-2016
Branch Office15156 N Holly RdHolly, MI 48442-1139

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