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  2. Team One Credit Union

Team One Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.87%5-year CD60 Month CD
2.35% - Synchrony Bank 60 Month CDAdvertisement
0.75%1-year CD12-23 Month CD
1.40% - Synchrony Bank 12 Month CDAdvertisement
0.20%Savings"Your Savings" Account
1.15% - CIT Bank Spring Savings
View all Team One Credit Union rates »

Overview / Commentary
www.teamonecu.org
989-754-6575
520 Hayden St
Saginaw, MI 48607

Team One Credit Union is headquartered in SAGINAW and is the 27th largest credit union in the state of Michigan. It is also the 524th largest credit union in the nation. It was established in 1935 and as of March of 2017, it had grown to 144 employees and 49,812 members at 9 locations. Team One Credit Union's money market rates are 14% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in the Michigan counties of Alcona, Houghton, Missaukee, Alger, Huron, Montcalm, Alpena, Ingham, Montmorency, Antrim, Ionia, Muskegon, Arenac, Iosco, Newaygo, Baraga, Iron, Oceana, Bay, Isabella, Ogemaw, Benzie, Kalkaska, Ontonagon, Charlevoix, Kent, Osceola, Cheboygan, Keweenaw, Oscoda, Chippewa, Kake, Otsego, Clare, Lapeer, Ottawa, Clinton, Leelanau, Presque Isle, Crawford, Livingston, Roscommon, Delta, Luce, Saginaw, Dickinson, Mackinac, Sanilac, Emmet, Manistee, Schoolcraft, Genesee, Marquette, Shiawassee, Gladwin, Mason, St. Clair, Gogebic, Menominee, Tuscola, Grand Traverse, Mecosta, Wexford, Gratiot, and Midland.
See current membership details

Reviews (2)

Personal Loan

Posted by: Ishda26 | Sep 30, 2013

I called to inquire about personal loan and its interest. I know that the loan that I'm looking at is a big amount but the lady that I've talked to keeps on repeating that I should think it over and it is a big amount. I thought that is what they are for, to lend us when we need it and we pay back with interest in return. It is very humiliating that a representative from a bank discourages you to use their resources in times of need as if the amount that you need will change because they find it a huge amount. Considering I have a very good history with my payments from my previous loans. I am so not pleased with their customer service today.

Whether it is a small amount or not, if the person is credit worthy shouldn't be that person be treated the way he should be, instead of being talked down as if the money is going to be given away for FREE

2

Poor Loan Products, Lacking Customer Appreciation

Posted by: ChrisSmith2002 | Sep 28, 2011

I banked with Team One Credit Union for about 10 years. Over that time I had many disappointments with them and finally took my business elsewhere because of their loan products and the fact that one hand didn't seem to know what the other was doing.  I received several letters from them saying that they didn't have a copy of my title after I already sent them numerous copies.  I also was hassled(more than just once) about not having insurance on a loan just several days after getting the loan!!! Um, hello- how did I even get the loan then???  The facts are that I am required to provide proof before I even can get the loan check. I will never bank with Team One Credit Union again and wouldn't recommend them either. I drive about a half hour to another credit union with much better service.

2


Health
A

Data as of Q1 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #62141
Year Chartered1935
Employees144
Primary Regulator
Profit Margin
Return on Assets - YTD0.27%
Return on Equity - YTD2.73%
Annual Interest Income$4.6MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$504.1MM$491.5MM
LoansQ1 2017vs Q1 2016$368.8MM$350.9MM
DepositsQ1 2017vs Q1 2016$446.9MM$432.5MM
Equity CapitalQ1 2017vs Q1 2016$49.5MM$50.8MM
Loan Loss AllowanceQ1 2017vs Q1 2016$3.8MM$3.2MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$2.5MM$6.4MM
Real Estate OwnedQ1 2017vs Q1 2016$215.00K$271.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Team One Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.95%*$25k*-IRA Account
OTHER TIERS: 0.50% → Up to $10k | 0.75% → $10k - $25k
0.95%*$25k*-Deferred Compensation Account
OTHER TIERS: 0.50% → Up to $10k | 0.75% → $10k - $25k
0.95%*$25k*-Health Savings Account (HSA)
OTHER TIERS: 0.50% → Up to $10k | 0.75% → $10k - $25k
0.25%*$10k*-Regular Savings Account
OTHER TIERS: 0.05% → Up to $2k | 0.15% → $2k - $10k
0.25%*$10k*-Club Accounts
OTHER TIERS: 0.05% → Up to $2k | 0.15% → $2k - $10k
0.20%*$5k*-"Your Savings" Account
OTHER TIERS: 0.10% → Up to $5k

Team One Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$200k*-Money Market Account
OTHER TIERS: 0.25% → $2k - $25k | 0.30% → $25k - $75k | 0.45% → $75k - $200k

Team One Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$10k*-Checking Account
OTHER TIERS: 0.05% → $1k - $5k | 0.15% → $5k - $10k

Team One Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.87%$500-60 Month CD
1.87%$500-60 Month Deferred Compensation CD
1.71%$500-48-59 Month CD
1.71%$500-48-59 Month Deferred Compensation CD
1.50%$500-36-47 Month CD
1.50%$500-36-47 Month Deferred Compensation CD
0.90%$500-24-35 Month CD
0.90%$500-24-35 Month Deferred Compensation CD
0.75%$500-12-23 Month CD
0.75%$500-12-23 Month Deferred Compensation CD
0.50%$500-7-11 Month CD
0.50%$500-7-11 Month Deferred Compensation CD
0.40%$500-6 Month CD
0.40%$500-6 Month Deferred Compensation CD
0.35%$500-3-5 Month CD
0.35%$500-3-5 Month Deferred Compensation CD

Team One Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.87%$500-60 Month IRA
1.71%$500-48-59 Month IRA
1.50%$500-36-47 Month IRA
0.90%$500-24-35 Month IRA
0.75%$500-12-23 Month IRA
0.50%$500-7-11 Month IRA
0.40%$500-6 Month IRA
0.35%$500-3-5 Month IRA
Locations


Team One Credit Union Locations
Branch Office625 S SANDUSKY RDSANDUSKY, MI 48471
Branch Office8450 GRATIOT RDSAGINAW, MI 48609
Branch Office401 E MIDLAND STBAY CITY, MI 48706
Branch Office520 HAYDEN STSAGINAW, MI 48607
Branch Office1130 CLEAVER RDCARO, MI 48723
Branch Office499 BRICK STBAD AXE, MI 48413
Branch Office4075 McCARTY RDSAGINAW, MI 48603
Branch Office1243 E M 21Owosso, MI 48867-9038
Branch Office606 Stevens StFlint, MI 48502