Featured Savings Rates
Featured Accounts

Our Credit Union

Popular Accounts at this Credit Union

1.50%5-year CD60 Month Term Share Certificate
0.50%1-year CD12 Month Term Share Certificate
0.05%SavingsSide Shares

Overview / Commentary
3070 Normandy Rd
Royal Oak, MI 48073

Our Credit Union is headquartered in Royal Oak and is the 51st largest credit union in the state of Michigan. It is also the 881st largest credit union in the nation. It was established in 1959 and as of June of 2017, it had grown to 68 employees and 22,008 members at 4 locations. Our Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Macomb or Oakland Counties in Michigan.
See current membership details

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Reviews (4)

Great Service!

Posted by: Dru | May 30, 2011

I have been a member of this bank for 12 years. Through thick and thin in today's economy, they have always provided excellent service and even helped me in securing a loan when I needed it. Their knowledgeable staff help me whenever I have any questions or inquiries about my account. Five stars, all around!

Garbage Fail

this place is the worst the people are rude and the customer service is nothing but a joke i don't know how they can treat people like crap and still be open for business.

People Are As Good As MANAGEMENT

Posted by: msjbell01 | Aug 16, 2013

I have been a member of this cu for 15+ years. The service here over the past years has went down so bad I might as well be with a BANK. The services have been decreased and the fee s keep getting plentiful and they justify by blaming the Government or saying they are not making money so we have to charge, $30 to spend MY money out of savings It s my money and if I don t want to save it why is it your business. If there s such a concern about my savings, WHY do I have to pay to run my coins? If I want an account print out there is a charge for that too, but the tellers are making the same amount of money for the past two years!!   Today I recv a call from a rep Rachel, who stated they kicked my CC pmt back because it came out another members acct. I askd when u all figure this out why not call me instead of kicking the pmt back. She stated she didn t know and cldnt say if they would cover the fee if any. I have been paying this CC for the last 1.5yrs out the same account and nothing had change. If Our credit union would pay there tellers maybe they would do their customer service due diligence . The employee s are not valued so why should they value the customers. This is another example of doing what I get paid for, not doing anything different . Our CU is NOT our credit Union they are OUR BANK and NO TRUST. Tina s people are a product of her.. She was a better person when she walked in there shoes. I am sick of being treated like my service doesnt matter and I refuse to be treated like this by these people.

Bank Fee For Car Loan

Posted by: Anonymous | Aug 17, 2011

Do not use this bank! They have the worst customer service for a bank I have ever experienced. You are only an account number to them, and all they care about is making money on fees. After having a car loan paid off, I was contacted by the collection services on a stop payment fee of $25.00. I had stopped my payment because my loan would be paid off before my payment would be processed, and when calling the bank I was told they would not send me a check for the difference if they received the payment. Rather, I would have to go to the branch. So, now I have to pay them the fee plus extra for some interest. They are rude on the phone, and don't care about you as a customer. Go somewhere else if you can.


Health Grade Components

NCUA #62028
Year Chartered1959
Primary Regulator
Profit Margin
Return on Assets - YTD0.49%
Return on Equity - YTD5.82%
Annual Interest Income$4.0MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$246.7MM$237.8MM
LoansQ2 2017vs Q2 2016$144.6MM$117.9MM
DepositsQ2 2017vs Q2 2016$224.7MM$215.6MM
Equity CapitalQ2 2017vs Q2 2016$20.8MM$21.1MM
Loan Loss AllowanceQ2 2017vs Q2 2016$1.7MM$1.6MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$1.4MM$1.1MM
Real Estate OwnedQ2 2017vs Q2 2016$39.00K$34.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Our Credit Union Savings Account Rates

0.10%$100-Traditional IRA
0.10%$100-Roth IRA
0.10%$100-Coverdell ESA Education
0.10%$100-Health Savings Account
0.05%$100-Share Account
0.05%$100-Side Shares
0.05%$100-Holiday Spending
0.05%--Oakey Dokey

Our Credit Union Money Market Rates

0.20%*$100k*-Money Market
OTHER TIERS: 0.05% $2,500 - $20k | 0.10% $20k - $75k | 0.15% $75k - $100k

Our Credit Union CD Rates

1.50%$500-60 Month Term Share Certificate
1.25%$500-48 Month Term Share Certificate
1.00%$500-36 Month Term Share Certificate
0.80%$500-24 Month Term Share Certificate
0.65%$500-18 Month Term Share Certificate
0.50%$500-12 Month Term Share Certificate
0.20%$500-6 Month Term Share Certificate

Our Credit Union IRA Rates

1.51%$500-5 Year Term Share IRA
1.51%$500-60 Month Term Share Roth IRA
1.26%$500-4 Year Term Share IRA
1.00%$500-3 Year Term Share IRA
1.00%$500-36 Month Term Share Roth IRA
0.80%$500-24 Month Coverdell Educational IRA
0.80%$500-2 Year Term Share IRA
0.80%$500-24 Month Term Share Roth IRA
0.50%$500-1 Year Term Share IRA
0.50%$500-12 Month Term Share Roth IRA

Our Credit Union Locations
Branch Office3070 Normandy RdRoyal Oak, MI 48073
Branch Office5625 E 12 Mile RdWarren, MI 48092-2307
Branch Office6693 Rochester RdTroy, MI 48085
Branch Office726 S Washington AveRoyal Oak, MI 48067