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Valley State Employees Credit Union

Popular Accounts at this Credit Union

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

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

Valley State Employees Credit Union is headquartered in Saginaw and is the 189th largest credit union in the state of Michigan. It is also the 3,305th largest credit union in the nation. It was established in 1955 and as of September of 2016, it had grown to 4 employees and 2,925 members at 1 location. Valley State Employees Credit Union has a D health rating.

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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

NCUA #60775
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD-2.58%
Return on Equity - YTD-27.94%
Annual Interest Income$593.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$22.3MM$24.9MM
LoansQ3 2016vs Q3 2015$14.2MM$16.9MM
DepositsQ3 2016vs Q3 2015$20.1MM$21.3MM
Equity CapitalQ3 2016vs Q3 2015$2.2MM$2.6MM
Loan Loss AllowanceQ3 2016vs Q3 2015$299.00K$196.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$2.2MM$835.00K
Real Estate OwnedQ3 2016vs Q3 2015$135.00K$201.00K
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Valley State Employees Credit Union Savings Account Rates

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

0.30%$2,500-Money Market Shares

Valley State Employees Credit Union CD Rates

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

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

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