Overview / Commentary
1700 Court St
Saginaw, MI 48602-4071

Saginaw County Employees Credit Union is headquartered in Saginaw and is the 157th largest credit union in the state of Michigan. It is also the 2,654th largest credit union in the nation. It was established in 1956 and as of September of 2018, it had grown to 9 employees and 2,987 members at 1 location. Saginaw County Employees Credit Union's CD rates are 51% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to employees of any government in Saginaw County, Michigan, employees and retirees of any school district in Saginaw County, anyone receiving retirement payments and live in Saginaw County, and employees of over 30 area Select Employer Groups.
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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. Saginaw County Employees Credit Union has a low asset base.

Health Grade Components

NCUA #62282
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD0.8%
Return on Equity - YTD8.45%
Annual Interest Income$883.00K
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$36.6MM$35.0MM
LoansQ3 2018vs Q3 2017$16.2MM$16.1MM
DepositsQ3 2018vs Q3 2017$32.8MM$31.6MM
Equity CapitalQ3 2018vs Q3 2017$3.5MM$3.2MM
Loan Loss AllowanceQ3 2018vs Q3 2017$92.00K$100.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$271.00K$109.00K
Real Estate OwnedQ3 2018vs Q3 2017$33.00K$33.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Saginaw County Employees Credit Union Savings Account Rates

0.25%*$2k*-IRA Club Account
OTHER TIERS: 0.20% $100 - $2k
0.25%*$2k*-Roth IRA Club Account
OTHER TIERS: 0.20% $100 - $2k
0.25%*$2k*-Education IRA Account
OTHER TIERS: 0.20% $100 - $2k
0.20%$100-Christmas Club
0.10%$100-Share Account
0.10%$100-Special Club
0.10%$100-Goal Saver

Saginaw County Employees Credit Union Money Market Rates

0.40%*$20k*-Money Management Account
OTHER TIERS: 0.05% Up to $2.5k | 0.30% $2.5k - $20k

Saginaw County Employees Credit Union CD Rates

2.40%$500-60 Month CD
2.25%$500-48 Month CD
2.10%$500-36 Month CD
1.85%$500-30 Month CD
1.80%$500-24 Month CD
1.40%$500-18 Month CD
1.36%$500-12 Month CD
0.75%$500-26 week (6 month) CD

Saginaw County Employees Credit Union IRA Rates

2.40%$500-60 Month IRA
2.25%$500-48 Month IRA
2.10%$500-36 Month IRA
1.80%$500-24 Month IRA
1.50%--12 Month Youth IRA
1.36%$500-12 Month IRA

Saginaw County Employees Credit Union Locations
Branch Office1700 Court StSaginaw, MI 48602-4071

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