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Overview / Commentary
460 W Laketon Ave
Muskegon, MI 49441-2632

Port City Federal Credit Union is headquartered in Muskegon and is the 175th largest credit union in the state of Michigan. It is also the 2,962nd largest credit union in the nation. It was established in 1944 and as of December of 2016, it had grown to 5 employees and 3,176 members at 1 location. Port City Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school, worship or volunteer in Muskegon County.
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. Port City Federal Credit Union has a low asset base.

Health Grade Components

NCUA #5116
Year Chartered1944
Primary Regulator
Profit Margin
Return on Assets - YTD0.11%
Return on Equity - YTD0.84%
Annual Interest Income$741.00K
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$28.9MM$29.3MM
LoansQ4 2016vs Q4 2015$11.5MM$11.5MM
DepositsQ4 2016vs Q4 2015$24.9MM$25.3MM
Equity CapitalQ4 2016vs Q4 2015$3.9MM$3.9MM
Loan Loss AllowanceQ4 2016vs Q4 2015$23.00K$15.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$2.00K$9.00K
Real Estate OwnedQ4 2016vs Q4 2015$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.

Port City Federal Credit Union Savings Account Rates

0.60%--Traditional IRA
0.60%--Roth IRA
0.60%--Roth Conversion IRA
0.60%--Education IRA
0.40%*$50k*-Amazing Savings
OTHER TIERS: 0.20% $2k - $20k | 0.30% $20k - $50k
0.10%--Prime Share
0.10%--Escrow Shares
0.10%--Christmas Club
0.10%--Vacation Shares
0.10%--Early Bird Account

Port City Federal Credit Union CD Rates

2.02%$500-60 Month CD
1.71%$500-48 Month CD
1.41%$500-36 Month CD
1.11%$500-24 Month CD
0.70%$500-12 Month CD

Port City Federal Credit Union Locations
Branch Office460 W Laketon AveMuskegon, MI 49441-2632