Team One Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.61%	5-year CD	3.10% - Synchrony Bank 60 Month CD
1.51%	1-year CD	2.50% - Synchrony Bank 12 Month CD
0.20%	Savings	1.90% - American Express National Bank High Yield Savings Account

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 28^th largest credit union in the state of Michigan. It is also the 535^th largest credit union in the nation. It was established in 1935 and as of June of 2018, it had grown to 152 employees and 49,977 members at 10 locations. Team One Credit Union's money market rates are 3X 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 (5)

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Featured Account Options

Great Banking Venue

Posted by: adrianerose | Mar 31, 2018

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.

Comment

1

Great local credit union

Posted by: mariahbray95 | Nov 1, 2017

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.

Comment

1

Team One works

Posted by: MinyInterview | Sep 23, 2017

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.

Comment

1

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

Comment

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.

Comment

2

Health

A

Data as of Q2 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #	62141
Year Chartered	1935
Employees	152
Primary Regulator

Profit Margin
Return on Assets - YTD	0.63%
Return on Equity - YTD	6.03%
Annual Interest Income	$9.9MM

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$515.0MM$505.6MM
Loans	Q2 2018vs Q2 2017	$380.2MM$383.9MM
Deposits	Q2 2018vs Q2 2017	$453.5MM$447.7MM
Equity Capital	Q2 2018vs Q2 2017	$53.5MM$50.6MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$2.5MM$3.4MM
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$2.5MM$2.2MM
Real Estate Owned	Q2 2018vs Q2 2017	$83.00K$200.00K

Rates

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Money Market
Checking
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IRA

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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

APY	MIN	MAX	ACCOUNT NAME
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
OTHER TIERS: 0.05% → Up to $2k \| 0.15% → $2k - $10k
0.25%^*	$10k^*	-	Club Account
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
1.15%^*	$500k^*	-	Money Market
OTHER TIERS: 0.15% → Up to $2k \| 0.30% → $2k - $25k \| 0.60% → $25k - $75k \| 0.80% → $75k - $200k \| 1.00% → $200k - $500k

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

Team One Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.75%	$500	-	30 Month CD - Fall Special
2.61%	$500	-	60 Month CD
2.61%	$500	-	60 Month Deferred Compensation CD
2.47%	$500	-	48-59 Month CD
2.47%	$500	-	48-59 Month Deferred Compensation CD
2.22%	$500	-	36-47 Month CD
2.22%	$500	-	36-47 Month Deferred Compensation CD
1.97%	$500	-	24-35 Month CD
1.97%	$500	-	24-35 Month Deferred Compensation CD
1.51%	$500	-	12-23 Month CD
1.51%	$500	-	12-23 Month Deferred Compensation CD
0.80%	$500	-	7-11 Month CD
0.80%	$500	-	7-11 Month Deferred Compensation CD
0.75%	$500	-	6 Month CD
0.75%	$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
2.75%	$500	-	30 Month IRA - Fall Special
2.61%	$500	-	60 Month IRA
2.47%	$500	-	48-59 Month IRA
2.22%	$500	-	36-47 Month IRA
1.97%	$500	-	24-35 Month IRA
1.51%	$500	-	12-23 Month IRA
0.80%	$500	-	7-11 Month IRA
0.75%	$500	-	6 Month IRA
0.35%	$500	-	3-5 Month IRA

Locations

Cities: BAD AXE, BAY CITY, Bloomfield Hills, CARO, Flint, Owosso, SAGINAW, SANDUSKY

BAD AXE Branches
Branch Office	499 BRICK ST	BAD AXE, MI 48413

BAY CITY Branches
Branch Office	401 E MIDLAND ST	BAY CITY, MI 48706

Bloomfield Hills Branches
Branch Office	3120 South Blvd	Bloomfield Hills, MI 48304-1187

CARO Branches
Branch Office	1130 CLEAVER RD	CARO, MI 48723

Flint Branches
Branch Office	606 Stevens St	Flint, MI 48502

Owosso Branches
Branch Office	1243 E M 21	Owosso, MI 48867-9038

SAGINAW Branches
Branch Office	8450 GRATIOT RD	SAGINAW, MI 48609
Branch Office	520 HAYDEN ST	SAGINAW, MI 48607
Branch Office	4075 McCARTY RD	SAGINAW, MI 48603

SANDUSKY Branches
Branch Office	625 S SANDUSKY RD	SANDUSKY, MI 48471

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