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Our Credit Union


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 54th largest credit union in the state of Michigan. It is also the 913th largest credit union in the nation. It was established in 1959 and as of September of 2024, it had grown to 72 employees and 23,711 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

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Health
B

Data as of Q3 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #62028
Year Chartered1959
Employees72
Primary Regulator
Profit Margin
Return on Assets - YTD0.32%
Return on Equity - YTD5.74%
Annual Interest Income$11.4MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$358.9MM$364.6MM
LoansQ3 2024vs Q3 2023$210.4MM$230.9MM
DepositsQ3 2024vs Q3 2023$336.9MM$343.6MM
Equity CapitalQ3 2024vs Q3 2023$20.3MM$11.7MM
Loan Loss AllowanceQ3 2024vs Q3 2023$2.3MM$3.1MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$1.7MM$1.7MM
Real Estate OwnedQ3 2024vs Q3 2023$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Our Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$100-Traditional IRA
0.10%$100-Roth IRA
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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.43%*$0$3kPremium Checking
OTHER TIERS: 0.05% → $3k+

Our Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.04%$500-3 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations


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
Branch Office54870 Mound RdShelby Township, MI 48316

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.