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Metro North Federal Credit Union

Popular Accounts at this Credit Union

0.13%1-year CD12 Month CD
0.01%SavingsSecondary Share
0.33%3-year CD36 Month CD

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

Metro North Federal Credit Union is headquartered in Waterford and is the 147th largest credit union in the state of Michigan. It is also the 2,412th largest credit union in the nation. It was established in 1952 and as of December of 2017, it had grown to 21 employees and 5,999 members at 2 locations. Metro North Federal Credit Union has a B 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 - YTD-0.09%
Return on Equity - YTD-1.17%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$45.7MM$43.5MM
LoansQ4 2017vs Q4 2016$25.8MM$24.3MM
DepositsQ4 2017vs Q4 2016$42.0MM$39.5MM
Equity CapitalQ4 2017vs Q4 2016$3.5MM$3.6MM
Loan Loss AllowanceQ4 2017vs Q4 2016$92.00K$82.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$137.00K$199.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
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Metro North Federal Credit Union Savings Account Rates

0.02%--IRA Share
0.01%$100-Share Account
0.01%$100-Holiday Club
0.01%$100-Vacation Club
0.01%$100-Secondary 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%$2,500-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
0.01%$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