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Valley State Employees Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.25%5-year CD60 Month CD
0.40%1-year CD12 Month CD
0.15%SavingsShare 99

Overview / Commentary
800-237-6211
2686 Mcleod Dr N
Saginaw, MI 48604-2815

Valley State Employees Credit Union is headquartered in Saginaw and is the 181st largest credit union in the state of Michigan. It is also the 3,176th largest credit union in the nation. It was established in 1955 and as of June of 2016, it had grown to 4 employees and 3,106 members at 1 location. Valley State Employees Credit Union has a C- health rating.

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Health
C-
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. Valley State Employees Credit Union has a low asset base, and a negative return on assets.

Health Grade Components

Overall
NCUA #60775
Year Chartered1955
Employees4
Primary Regulator
Profit Margin
Return on Assets - YTD-2.42%
Return on Equity - YTD-25.76%
Annual Interest Income$405.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$24.9MM$24.7MM
LoansQ2 2016vs Q2 2015$15.6MM$16.0MM
DepositsQ2 2016vs Q2 2015$22.5MM$21.0MM
Equity CapitalQ2 2016vs Q2 2015$2.3MM$2.7MM
Loan Loss AllowanceQ2 2016vs Q2 2015$270.00K$58.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$2.0MM$411.00K
Real Estate OwnedQ2 2016vs Q2 2015$135.00K$201.00K
Rates
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Valley State Employees Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%--IRA Share
0.50%--Christmas Club
0.50%--Roth IRA Share
0.50%--Education IRA Share
0.15%--Prime Shares
0.15%--Vacation Club
0.15%--Share 99
0.15%--Early Bird Credit Union Kids
0.15%--Teen Savers

Valley State Employees Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%$2,500-Money Market Shares

Valley State Employees Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$1k-60 Month CD
1.25%$250-60 Month Youth CD
1.00%$1k-48 Month CD
1.00%$250-48 Month Youth CD
0.85%$1k-36 Month CD
0.85%$250-36 Month Youth CD
0.60%$1k-24 Month CD
0.60%$250-24 Month Youth CD
0.40%$1k-12 Month CD
0.40%$1k-15 Month CD
0.40%$1k-18 Month CD
0.40%$250-12 Month Youth CD
0.40%$250-15 Month Youth CD
0.40%$250-18 Month Youth CD
0.30%$1k-9 Month CD
0.30%$250-9 Month Youth CD
0.25%$1k-6 Month CD
0.25%$250-6 Month Youth CD

Valley State Employees Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%--60 Month IRA
1.00%--48 Month IRA
0.85%--36 Month IRA
0.60%--24 Month IRA
0.40%--12 Month IRA
0.40%--15 Month IRA
0.40%--18 Month IRA
0.30%--9 Month IRA
0.25%--6 Month IRA
Locations


Valley State Employees Credit Union Locations
Branch Office2686 McLeod Dr NSaginaw, MI 48604-2815