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Overview / Commentary
1837 Bagley Street
Saginaw, MI 48601

Wanigas Credit Union is headquartered in Saginaw and is the 42nd largest credit union in the state of Michigan. It is also the 721st largest credit union in the nation. It was established in 1952 and as of June of 2016, it had grown to 81 employees and 26,363 members at 5 locations. Wanigas Credit Union's money market rates are 36% higher than the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in any county in Michigan's Lower Peninsula.
See current membership details

Reviews (1)

Loans Ranking For This Credit Union

Posted by: Anonymous | Dec 18, 2011

Money must be very tight at this credit union because they often turn down loans, even though a credit score over 725 isn't good enough at times. I have been rejected 2 times having a score of 735 sending me to a commercial bank for the loan I wanted for which they accepted me. Kind of makes you wonder who runs this credit union.


Health Grade Components

NCUA #68578
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD0.9%
Return on Equity - YTD6.67%
Annual Interest Income$5.8MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$315.9MM$308.2MM
LoansQ2 2016vs Q2 2015$208.6MM$198.5MM
DepositsQ2 2016vs Q2 2015$270.0MM$253.3MM
Equity CapitalQ2 2016vs Q2 2015$42.1MM$38.8MM
Loan Loss AllowanceQ2 2016vs Q2 2015$1.3MM$1.2MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$1.0MM$1.1MM
Real Estate OwnedQ2 2016vs Q2 2015$313.00K$27.00K
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Wanigas Credit Union Savings Account Rates

0.50%--IRA Savings
0.30%*$50k*-Variable Rate Savings Account
OTHER TIERS: 0.10% $2,500 - $25k | 0.25% $25k - $50k
0.10%--Regular Passbook Savings

Wanigas Credit Union Money Market Rates

0.60%*$200k*-Power Saver MMA
OTHER TIERS: 0.25% Up to $50k | 0.30% $50k - $100k | 0.40% $100k - $150k | 0.50% $150k - $200k
0.30%*$50k*-Money Market Cash Management
OTHER TIERS: 0.10% $2,500 - $25k | 0.25% $25k - $50k

Wanigas Credit Union CD Rates

1.51%$500-48 Month CD
1.26%$500-36 Month CD
0.90%$500-24 Month CD
0.55%$500-12 Month CD
0.40%$500-3 Month CD
0.40%$500-6 Month CD

Wanigas Credit Union IRA Rates

1.51%$500-4 Year IRA
1.26%$500-3 Year IRA
0.90%$500-2 Year IRA
0.55%$500-1 Year IRA

Wanigas Credit Union Locations
Branch Office1837 Bagley StSaginaw, MI 48601-3107
Branch Office4026 Shattuck RdSaginaw, MI 48603-3075
Branch Office4129 N Euclid AveBay City, MI 48706
Branch Office9030 Gratiot RdSaginaw, MI 48609
Branch Office113 W Huron AveVassar, MI 48768