Our Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.ourcuonline.org

248-549-3838

3070 Normandy Rd
Royal Oak, MI 48073

Our Credit Union is headquartered in Royal Oak and is the 54^th largest credit union in the state of Michigan. It is also the 914^th largest credit union in the nation. It was established in 1959 and as of December of 2024, it had grown to 72 employees and 23,614 members at 5 locations. Our Credit Union's money market rates are 14% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in the state of Michigan.
See current membership details

Reviews

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Health

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #	62028
Year Chartered	1959
Employees	72
Primary Regulator

Profit Margin
Return on Assets - YTD	0.35%
Return on Equity - YTD	7.13%
Annual Interest Income	$15.4MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$357.8MM$364.5MM
Loans	Q4 2024vs Q4 2023	$209.8MM$220.5MM
Deposits	Q4 2024vs Q4 2023	$338.8MM$339.5MM
Equity Capital	Q4 2024vs Q4 2023	$17.7MM$16.9MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$2.2MM$2.6MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$1.7MM$2.1MM
Real Estate Owned	Q4 2024vs Q4 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
0.10%	$100	-	Coverdell ESA Education Share Account
0.10%	$100	-	Health Savings Account
0.05%	$100	-	Primary Savings/Shares
0.05%	$100	-	Side Shares
0.05%	$100	-	Holiday Spending
0.05%	$10	-	Oakey Dokey Kids Club

Our Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	$100k^*	-	Money Market
OTHER TIERS: 0.05% → $2.5k - $20k \| 0.10% → $20k - $75k \| 0.25% → $75k - $100k

Our Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
5.43%^*	$0	$3k	Premium Checking
OTHER TIERS: 0.05% → $3k+

Our Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.08%	$500	-	5 Month Term Share Certificate Special
1.76%	$500	-	60 Month Term Share Certificate
1.51%	$500	-	48 Month Term Share Certificate
1.36%	$500	-	36 Month Term Share Certificate
1.26%	$500	-	24 Month Term Share Certificate
1.10%	$500	-	18 Month Term Share Certificate
1.00%	$500	-	12 Month Term Share Certificate
0.75%	$500	-	6 Month Term Share Certificate

Our Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.76%	$500	-	5 Year IRA
1.76%	$500	-	60 Month Roth IRA
1.51%	$500	-	4 Year IRA
1.51%	$500	-	48 Month Roth IRA
1.36%	$500	-	3 Year IRA
1.36%	$500	-	36 Month Roth IRA
1.26%	$500	-	24 Month Coverdell Educational ESA
1.26%	$500	-	2 Year IRA
1.26%	$500	-	24 Month Roth IRA
1.00%	$500	-	1 Year IRA
1.00%	$500	-	12 Month Roth IRA
0.10%	$100	-	Traditional IRA
0.10%	$100	-	Roth IRA

Locations

Our Credit Union Locations
Branch Office	3070 Normandy Rd	Royal Oak, MI 48073
Branch Office	5625 E 12 Mile Rd	Warren, MI 48092-2307
Branch Office	6693 Rochester Rd	Troy, MI 48085
Branch Office	726 S Washington Ave	Royal Oak, MI 48067
Branch Office	54870 Mound Rd	Shelby Township, MI 48316

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