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

Safe Harbor Credit Union is headquartered in Ludington and is the 138th largest credit union in the state of Michigan. It is also the 2,212th largest credit union in the nation. It was established in 1952 and as of December of 2017, it had grown to 16 employees and 5,239 members at 1 location. Safe Harbor Credit Union's CD rates are 33% higher than 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 - YTD1.42%
Return on Equity - YTD14.42%
Annual Interest Income$2.0MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$55.5MM$49.1MM
LoansQ4 2017vs Q4 2016$45.2MM$32.9MM
DepositsQ4 2017vs Q4 2016$49.7MM$44.3MM
Equity CapitalQ4 2017vs Q4 2016$5.5MM$4.7MM
Loan Loss AllowanceQ4 2017vs Q4 2016$101.00K$51.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$324.00K$64.00K
Real Estate OwnedQ4 2017vs Q4 2016$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

0.50%*$50k*$100kTiered Money Market Account
OTHER TIERS: 0.35% $2k - $5k | 0.40% $5k - $25k | 0.45% $25k - $50k

Safe Harbor Credit Union CD Rates

5.00%$100-4 Month Youth High Yield CD 13-15
5.00%$100-4 Month Youth High Yield CD 12/Un
5.00%$100-4 Month Youth High Yield CD 16-18
2.50%*$25k*-60 Month High Yield CD
OTHER TIERS: 2.25% $1k - $25k
2.15%*$25k*-48 Month High Yield CD
OTHER TIERS: 2.05% $1k - $25k
1.95%*$25k*-36 Month High Yield CD
OTHER TIERS: 1.85% $1k - $25k
1.70%*$25k*-24 Month High Yield CD
OTHER TIERS: 1.55% $1k - $25k
1.20%*$25k*-12 Month High Yield CD
OTHER TIERS: 1.10% $1k - $25k
0.85%$1k-6 Month High Yield CD

Safe Harbor Credit Union IRA Rates

1.85%*$25k*-3 Year High Yield IRA
OTHER TIERS: 1.75% $500 - $25k
1.85%*$25k*-3 Year Roth Conv IRA
OTHER TIERS: 1.75% $500 - $25k
1.60%*$25k*-2 Year High Yield IRA
OTHER TIERS: 1.50% $500 - $25k
1.60%*$25k*-2 Year High Yield Roth IRA
OTHER TIERS: 1.50% $500 - $25k
1.50%$500-3 Year Education IRA
1.40%$500-2 Year Education IRA
1.40%$500-2 Year Roth Cnv IRA
0.85%$500-1 Year High Yield IRA
0.85%$500-1 Year Roth IRA High Yield

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