Overview / Commentary
1200 E Tinkham Ave
Ludington, MI 49431-2740

Safe Harbor Credit Union is headquartered in Ludington and is the 133rd largest credit union in the state of Michigan. It is also the 2,123rd largest credit union in the nation. It was established in 1952 and as of December of 2018, it had grown to 22 employees and 5,667 members at 1 location. Safe Harbor Credit Union's money market rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to anyone over the age of 55 who received retirement payments and live in Mason County. Membership is also open to employees and members of employer groups located within a 25-mile radius of the credit union's main office.
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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. Safe Harbor Credit Union has a relatively low asset base.

Health Grade Components

NCUA #61988
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD1.59%
Return on Equity - YTD15.02%
Annual Interest Income$2.6MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$60.6MM$55.5MM
LoansQ4 2018vs Q4 2017$52.7MM$45.2MM
DepositsQ4 2018vs Q4 2017$53.1MM$49.7MM
Equity CapitalQ4 2018vs Q4 2017$6.4MM$5.5MM
Loan Loss AllowanceQ4 2018vs Q4 2017$143.00K$101.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$359.00K$324.00K
Real Estate OwnedQ4 2018vs Q4 2017$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.

Safe Harbor Credit Union Savings Account Rates

0.40%--IRA Share
0.10%--Christmas Club
0.05%--Regular Shares

Safe Harbor Credit Union Money Market Rates

1.20%*$100k*-Tiered Money Market Account
OTHER TIERS: 1.00% $2k - $20k | 1.10% $20k - $100k

Safe Harbor Credit Union CD Rates

5.12%*$100*$200Youth High Yield CD 13-15
OTHER TIERS: 0.65% $200+
5.12%*$100*$200Youth High Yield CD 12/Un
OTHER TIERS: 0.65% $200+
5.12%*$100*$200Youth High Yield CD 16-18
OTHER TIERS: 0.65% $200+
3.10%*$25k*-60 Month High Yield CD
OTHER TIERS: 3.00% $1k - $25k
2.85%*$25k*-48 Month High Yield CD
OTHER TIERS: 2.75% $1k - $25k
2.60%*$25k*-36 Month High Yield CD
OTHER TIERS: 2.50% $1k - $25k
2.40%*$25k*-24 Month High Yield CD
OTHER TIERS: 2.30% $1k - $25k
2.00%*$25k*-12 Month High Yield CD
OTHER TIERS: 1.90% $1k - $25k
1.60%$1k-6 Month High Yield CD

Safe Harbor Credit Union IRA Rates

2.33%*$25k*-3 Year High Yield IRA
OTHER TIERS: 2.22% $500 - $25k
2.22%*$25k*-2 Year High Yield Roth IRA
OTHER TIERS: 1.92% $500 - $25k
2.02%*$25k*-2 Year High Yield IRA
OTHER TIERS: 1.92% $500 - $25k
1.85%*$25k*-3 Year Roth Conv IRA
OTHER TIERS: 1.51% $500 - $25k
1.71%*$25k*-1 Year High Yield IRA
OTHER TIERS: 1.61% $500 - $25k
1.61%$500-1 Year Roth IRA High Yield
1.51%$500-3 Year Education IRA
1.41%$500-2 Year Education IRA

Safe Harbor Credit Union Locations
Branch Office1200 E Tinkham AveLudington, MI 49431-2740

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