Overview / Commentary
1086 Creston St
Muskegon, MI 49442

Michigan Coastal Credit Union is headquartered in Muskegon and is the 193rd largest credit union in the state of Michigan. It is also the 3,644th largest credit union in the nation. It was established in 1958 and as of September of 2018, it had grown to 9 employees and 3,080 members at 1 location. Michigan Coastal Credit Union's CD rates are 2X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership to Michigan Coastal Credit Union is open to those who live, worship or work in Muskegon County in Michigan and to anyone age 55 and over who receive retirement payments and live in Muskegon County or a contiguous county.
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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. Michigan Coastal Credit Union has a low asset base.

Health Grade Components

NCUA #61631
Year Chartered1958
Primary Regulator
Profit Margin
Return on Assets - YTD0.87%
Return on Equity - YTD7.77%
Annual Interest Income$575.00K
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$15.4MM$15.8MM
LoansQ3 2018vs Q3 2017$11.7MM$11.8MM
DepositsQ3 2018vs Q3 2017$13.4MM$13.9MM
Equity CapitalQ3 2018vs Q3 2017$1.7MM$1.6MM
Loan Loss AllowanceQ3 2018vs Q3 2017$149.00K$204.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$65.00K$143.00K
Real Estate OwnedQ3 2018vs Q3 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.

Michigan Coastal Credit Union Savings Account Rates

0.80%$2.5k-High Yield Shares Account
0.15%--Christmas Club Account
0.10%--IRA Shares Account
0.10%--Roth IRA Share Account
0.05%$500-Regular Shares Account
0.05%--Vacation Club Account
0.05%--Youth Savings Account

Michigan Coastal Credit Union CD Rates

3.23%$25k-60 Month CD
3.12%$500-60 Month Golden Account CD
2.87%$500-48 Month Golden Account CD
2.82%$500-15 Month CD Special
2.72%$500-36 Month Golden Account CD
2.36%$500-24 Month Golden Account CD
2.26%$500-18 Month Golden Account CD
2.11%$500-12 Month Golden Account CD
1.86%$5k-6 Month Platinum Certificate
1.66%$500-6 Month Golden Account CD
1.00%$25-12 Month Save 2 Win CD

Michigan Coastal Credit Union IRA Rates

2.72%*$2k*-12 Month IRA
OTHER TIERS: 2.11% $500 - $2k

Michigan Coastal Credit Union Locations
Branch Office1086 Creston StMuskegon, MI 49442

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