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Team One Credit Union


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 32nd largest credit union in the state of Michigan. It is also the 557th largest credit union in the nation. It was established in 1935 and as of June of 2023, it had grown to 157 employees and 51,442 members at 13 locations. Team One Credit Union's money market rates are 6X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in Team One Credit Union is open to those who live, work, worship, or attend school in any of Michigan's 83 counties.
See current membership details

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Reviews (5)

Great Banking Venue

Posted by: |

I have been a member of this credit union for several years. I keep a safety deposit box to keep things that I am sure I'd lose otherwise, car titles, birth certificates etc. I also have used this as my primary bank with a checking and a savings account. The customer service at this institute is amazing, I can walk in and be recognized by name. I have easy access to my money and can access my account by online banking, in person or by debit card. The savings could pay a little more interest and the overdraft fee is a little steep but I am happy with this credit union.

1

Great local credit union

Posted by: |

These are the friendliest people, they always recognize me. I live in a small town but they are outstanding with knowing what I need and want. While they don't necessarily offer all the options you get from the big national banks, I like the easy access and people I know so well. They do have online access. I've used it to keep an eye on my accounts and transfer money between my checking and savings.

1

Team One works

Posted by: |

I really like dealing with this credit union. I live in a very small town so I am used to getting personalized service. I go to the credit union and most people recognize me. I have had a safety deposit box here as well which is very convenient.
My biggest complaint is the fact that the room with the safety deposit boxes also share a room with their coinstar. So if someone has a bushel of pennies and I am on my lunch, I may not get to my box.

1

Personal Loan

Posted by: |

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: |

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.

3


Health
B

Data as of Q2 2023

Learn why bank health matters

Health Grade Components

Overall
NCUA #62141
Year Chartered1935
Employees157
Primary Regulator
Profit Margin
Return on Assets - YTD-0.05%
Return on Equity - YTD-0.69%
Annual Interest Income$13.7MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$742.5MM$759.3MM
LoansQ2 2023vs Q2 2022$506.1MM$428.8MM
DepositsQ2 2023vs Q2 2022$676.3MM$691.2MM
Equity CapitalQ2 2023vs Q2 2022$57.6MM$59.1MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$3.0MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$2.1MM$635.00K
Real Estate OwnedQ2 2023vs Q2 2022$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$10k*-Regular Savings
OTHER TIERS: 0.05% → $2k - $10k
0.10%*$10k*-Club Account
OTHER TIERS: 0.05% → $2k - $10k
0.10%*$25k*-IRA Account
OTHER TIERS: 0.05% → Up to $25k
0.10%*$25k*-Deferred Compensation Account
OTHER TIERS: 0.05% → Up to $25k
0.10%*$25k*-Health Savings Account (HSA)
OTHER TIERS: 0.05% → Up to $25k

Team One Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%*$500k*-Money Market
OTHER TIERS: 0.15% → Up to $2k | 0.35% → $2k - $25k | 0.75% → $25k - $75k | 1.75% → $75k - $200k | 2.25% → $200k - $500k

Team One Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%*$10k*-Checking Account
OTHER TIERS: 0.03% → $5k - $10k

Team One Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$500-12-23 Month CD
4.50%$500-12-23 Month Deferred Compensation CD
4.50%--Save to Win
3.75%$500-6-11 Month CD
3.75%$500-6-11 Month Deferred Compensation CD
3.50%$500-24-35 Month CD
3.50%$500-24-35 Month Deferred Compensation CD
3.25%$500-36-47 Month CD
3.25%$500-48-59 Month CD
3.25%$500-60 Month CD
3.25%$500-36-47 Month Deferred Compensation CD
3.25%$500-48-59 Month Deferred Compensation CD
3.25%$500-60 Month Deferred Compensation CD
1.00%$500-3-5 Month CD
1.00%$500-3-5 Month Deferred Compensation CD

Team One Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$500-12-23 Month IRA
3.75%$500-6-11 Month IRA
3.50%$500-24-35 Month IRA
3.25%$500-36-47 Month IRA
3.25%$500-48-59 Month IRA
3.25%$500-60 Month IRA
1.00%$500-3-5 Month IRA
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