Team One Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 1.87% | 5-year CD | 60 Month CD 1.85% - Synchrony Bank 60 Month CD |
| 0.75% | 1-year CD | 12-23 Month CD 1.05% - Ally Bank High Yield 12-Month CD |
| 0.20% | Savings | "Your Savings" Account 1.00% - Ally Bank Online Savings Account |
Team One Credit Union is headquartered in SAGINAW and is the 23rd largest credit union in the state of Michigan. It is also the 515th largest credit union in the nation. It was established in 1935 and as of June of 2016, it had grown to 168 employees and 47,685 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
Personal Loan
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
Poor Loan Products, Lacking Customer Appreciation
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.
Data as of Q2 2016
Learn more about bank healthHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 62141 |
| Year Chartered | 1935 |
| Employees | 168 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | -0.75% |
| Return on Equity - YTD | -7.45% |
| Annual Interest Income | $9.0MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2016vs Q2 2015 | $487.1MM$436.0MM |
| Loans | Q2 2016vs Q2 2015 | $355.8MM$305.2MM |
| Deposits | Q2 2016vs Q2 2015 | $429.8MM$380.9MM |
| Equity Capital | Q2 2016vs Q2 2015 | $49.4MM$46.7MM |
| Loan Loss Allowance | Q2 2016vs Q2 2015 | $3.5MM$2.0MM |
| Unbacked Noncurrent Loans | Q2 2016vs Q2 2015 | $4.3MM$5.5MM |
| Real Estate Owned | Q2 2016vs Q2 2015 | $322.00K$239.00K |
Always verify rates and promotions with the bank or credit union. We are not Team One Credit Union; we are a rate comparison website and cannot provide official rates or promotions.
* 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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 | |||||
| 0.95%* | $25k* | - | ESA Account | ||
| 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 | |||||
| 0.25%* | $10k* | - | Kid's Club | ||
| OTHER TIERS: 0.05% → Up to $2k | 0.15% → $2k - $10k | |||||
| 0.25%* | $10k* | - | Business Savings | ||
| OTHER TIERS: 0.05% → Up to $2k | 0.15% → $2k - $10k | |||||
| 0.25%* | $10k* | - | Secondary Savings | ||
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.25%* | $10k* | - | Checking Account | ||
| OTHER TIERS: 0.05% → $1k - $5k | 0.15% → $5k - $10k | |||||
| 0.25%* | $10k* | - | Business Checking | ||
| OTHER TIERS: 0.05% → $1k - $5k | 0.15% → $5k - $10k | |||||
Team One Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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 | |
| 1.26% | $500 | - | 36-47 Month CD | |
| 1.26% | $500 | - | 36-47 Month Deferred Compensation CD | |
| 0.85% | $500 | - | 24-35 Month CD | |
| 0.85% | $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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.87% | $500 | - | 60 Month IRA | |
| 1.87% | $500 | - | 60 Month Roth IRA | |
| 1.87% | $500 | - | 60 Month CESA | |
| 1.71% | $500 | - | 48-59 Month IRA | |
| 1.71% | $500 | - | 48-59 Month Roth IRA | |
| 1.71% | $500 | - | 48-59 Month CESA | |
| 1.26% | $500 | - | 36-47 Month IRA | |
| 1.26% | $500 | - | 36-47 Month Roth IRA | |
| 1.26% | $500 | - | 36-47 Month CESA | |
| 0.85% | $500 | - | 24-35 Month IRA | |
| 0.85% | $500 | - | 24-35 Month Roth IRA | |
| 0.85% | $500 | - | 24-35 Month CESA | |
| 0.75% | $500 | - | 12-23 Month IRA | |
| 0.75% | $500 | - | 12-23 Month Roth IRA | |
| 0.75% | $500 | - | 12-23 Month CESA | |
| 0.50% | $500 | - | 7-11 Month IRA | |
| 0.50% | $500 | - | 7-11 Month Roth IRA | |
| 0.50% | $500 | - | 7-11 Month CESA | |
| 0.40% | $500 | - | 6 Month IRA | |
| 0.40% | $500 | - | 6 Month Roth IRA | |
| 0.40% | $500 | - | 6 Month CESA | |
| 0.35% | $500 | - | 3-5 Month IRA | |
| 0.35% | $500 | - | 3-5 Month Roth IRA | |
| 0.35% | $500 | - | 3-5 Month CESA |
| Team One Credit Union Locations | ||
|---|---|---|
| Branch Office | 625 S SANDUSKY RD | SANDUSKY, MI 48471 |
| Branch Office | 8450 GRATIOT RD | SAGINAW, MI 48609 |
| Branch Office | 401 E MIDLAND ST | BAY CITY, MI 48706 |
| Branch Office | 520 HAYDEN ST | SAGINAW, MI 48607 |
| Branch Office | 1130 CLEAVER RD | CARO, MI 48723 |
| Branch Office | 499 BRICK ST | BAD AXE, MI 48413 |
| Branch Office | 4075 McCARTY RD | SAGINAW, MI 48603 |
| Branch Office | 1243 E M 21 | Owosso, MI 48867-9038 |
| Branch Office | 606 Stevens St | Flint, MI 48502 |