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Port City Federal Credit Union

Popular Accounts at this Credit Union

1.96%5-year CD60 Month CD
0.70%1-year CD12 Month CD
0.10%SavingsVacation Shares

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

Port City Federal Credit Union is headquartered in Muskegon and is the 171st largest credit union in the state of Michigan. It is also the 2,922nd largest credit union in the nation. It was established in 1944 and as of June of 2016, it had grown to 5 employees and 3,190 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 - YTD0.13%
Return on Equity - YTD1.02%
Annual Interest Income$361.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$29.7MM$29.1MM
LoansQ2 2016vs Q2 2015$11.4MM$11.6MM
DepositsQ2 2016vs Q2 2015$25.7MM$25.1MM
Equity CapitalQ2 2016vs Q2 2015$3.9MM$3.9MM
Loan Loss AllowanceQ2 2016vs Q2 2015$17.00K$24.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$10.00K$7.00K
Real Estate OwnedQ2 2016vs Q2 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

1.96%$500-60 Month CD
1.61%$500-48 Month CD
1.16%$500-36 Month CD
0.85%$500-24 Month CD
0.70%$500-12 Month CD

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