Safe Harbor Credit Union

Overview / Commentary
5511 US 10
Ludington, MI 49431

Safe Harbor Credit Union is headquartered in Ludington and is the 111th largest credit union in the state of Michigan. It is also the 1,694th largest credit union in the nation. It was established in 1952 and as of December of 2021, it had grown to 27 employees and 7,034 members at 1 location. Safe Harbor Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership in Safe Harbor Credit Union is open to individuals who live, work, or worship anywhere in the state of Michigan. Immediate family members of anyone eligible for membership also qualifies for membership.
See current membership details


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Health Grade Components

NCUA #61988
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD1.43%
Return on Equity - YTD15.8%
Annual Interest Income$4.0MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$115.8MM$90.1MM
LoansQ4 2021vs Q4 2020$84.1MM$68.7MM
DepositsQ4 2021vs Q4 2020$105.3MM$80.9MM
Equity CapitalQ4 2021vs Q4 2020$10.2MM$8.7MM
Loan Loss AllowanceQ4 2021vs Q4 2020$263.00K$270.00K
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$1.4MM$832.00K
Real Estate OwnedQ4 2021vs Q4 2020$0$0
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Always verify rates and promotions with the bank or credit union. We are not Safe Harbor 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.

Safe Harbor Credit Union Savings Account Rates

1.25%*-$75kKasasa Saver
OTHER TIERS: 0.04% $75k+
0.30%--IRA Share
0.10%--Christmas Club
0.10%--Health Savings Account
0.05%--Regular Share Account
0.05%--Sub Share Account

Safe Harbor Credit Union Money Market Rates

0.30%*$100k*-Tiered Money Market Account
OTHER TIERS: 0.15% $2k - $20k | 0.20% $20k - $100k

Safe Harbor Credit Union Checking Account Rates

3.00%*-$15kKasasa Cash Checking
OTHER TIERS: 0.40% $15k+

Safe Harbor Credit Union CD Rates

1.20%$25k-60 Month Jumbo CD
1.00%$1k-60 Month CD
0.85%$25k-48 Month Jumbo CD
0.80%$1k-48 Month CD
0.70%$25k-36 Month Jumbo CD
0.60%$1k-36 Month CD
0.55%$25k-24 Month Jumbo CD
0.50%$1k-24 Month CD
0.35%$25k-12 Month Jumbo CD
0.30%$1k-12 Month High Yield CD
0.25%$1k-6 Month High Yield CD

Safe Harbor Credit Union IRA Rates

1.60%*$25k*-3 Year Roth Conv IRA
OTHER TIERS: 1.50% $500 - $25k
1.50%$500-3 Year Education IRA
1.40%*$25k*-2 Year High Yield Roth IRA
OTHER TIERS: 1.30% $500 - $25k
1.30%$500-2 Year Education IRA
1.10%*$25k*-3 Year High Yield IRA
OTHER TIERS: 0.80% $500 - $25k
1.10%$500-1 Year Roth IRA High Yield
0.95%*$25k*-2 Year High Yield IRA
OTHER TIERS: 0.50% $500 - $25k
0.85%*$25k*-1 Year High Yield IRA
OTHER TIERS: 0.30% $500 - $25k

Safe Harbor Credit Union Locations
Corporate Office5511 W US Highway 10Ludington, MI 49431-2455

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