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Safe Harbor Credit Union

Popular Accounts at this Credit Union

2.02%5-year CD60 Month High Yield CD
0.80%1-year CD12 Month High Yield CD
0.05%SavingsRegular Shares

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

Safe Harbor Credit Union is headquartered in Ludington and is the 143rd largest credit union in the state of Michigan. It is also the 2,352nd largest credit union in the nation. It was established in 1952 and as of December of 2016, it had grown to 13 employees and 5,133 members at 1 location. Safe Harbor Credit Union 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.
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. Safe Harbor Credit Union has a low asset base.

Health Grade Components

NCUA #61988
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD1.23%
Return on Equity - YTD12.87%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$49.1MM$45.6MM
LoansQ4 2016vs Q4 2015$32.9MM$26.9MM
DepositsQ4 2016vs Q4 2015$44.3MM$41.3MM
Equity CapitalQ4 2016vs Q4 2015$4.7MM$4.1MM
Loan Loss AllowanceQ4 2016vs Q4 2015$51.00K$100.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$64.00K$64.00K
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.

Safe Harbor Credit Union Savings Account Rates

0.50%--IRA Share
0.50%--Roth IRA Share
0.50%--Educational IRA Share
0.10%--Christmas Club
0.05%--Regular Shares

Safe Harbor Credit Union Money Market Rates

0.25%*$100k*-Tiered Money Market Account
OTHER TIERS: 0.15% $2k - $50k | 0.20% $50k - $100k

Safe Harbor Credit Union CD Rates

2.02%*$25k*-60 Month High Yield CD
OTHER TIERS: 1.60% $1k - $25k
1.51%*$25k*-48 Month High Yield CD
OTHER TIERS: 1.30% $1k - $25k
1.31%*$25k*-36 Month High Yield CD
OTHER TIERS: 1.10% $1k - $25k
1.06%*$25k*-24 Month High Yield CD
OTHER TIERS: 0.90% $1k - $25k
0.80%*$25k*-12 Month High Yield CD
OTHER TIERS: 0.65% $1k - $25k
0.45%$1k-6 Month High Yield CD
0.24%$100-4 Month Youth High Yield CD 13-15
0.24%$100-4 Month Youth High Yield CD 12/Un
0.24%$100-4 Month Youth High Yield CD 16-18

Safe Harbor Credit Union IRA Rates

1.10%*$25k*-3 Year High Yield IRA
OTHER TIERS: 1.00% $500 - $25k
1.10%*$25k*-3 Year Roth Conv IRA
OTHER TIERS: 1.00% $500 - $25k
1.00%$500-3 Year Education IRA
0.85%*$25k*-2 Year High Yield IRA
OTHER TIERS: 0.75% $500 - $25k
0.85%*$25k*-2 Year High Yield Roth IRA
OTHER TIERS: 0.75% $500 - $25k
0.75%$500-2 Year Education IRA
0.75%$500-2 Year Roth Cnv IRA
0.55%*$25k*-1 Year High Yield IRA
OTHER TIERS: 0.40% $500 - $25k
0.40%$500-1 Year Roth IRA High Yield

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