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Overview / Commentary
989-759-5780
1837 Bagley Street
Saginaw, MI 48601

Wanigas Credit Union is headquartered in Saginaw and is the 44th largest credit union in the state of Michigan. It is also the 749th largest credit union in the nation. It was established in 1952 and as of June of 2017, it had grown to 84 employees and 26,395 members at 5 locations. Wanigas Credit Union's money market rates are 36% higher than 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 any county in Michigan's Lower Peninsula.
See current membership details

Reviews (2)

Excellent local credit union that cares about its members

My parents had me open both savings and checking accounts with Wanigas when I was about 11 years old. The goal was to experience and become familiar with money management, which is an essential life skill. The representatives at the branch we usually visited were always personable and willing to go the extra mile for the customer. The very small minimum balances allow for anyone (including young people) to open an account. I was able to access my funds at Wanigas while traveling abroad in Mexico. I did require a password reset but even when calling internationally a representative was able to resolve this issue. As a local credit union, their online banking was not very strong at first but has improved to the point it is in keeping with other banks' systems. I no longer live near a branch but still keep my account open in case my parents, who still live in Saginaw, ever need financial assistance.

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

Health Grade Components

Overall
NCUA #68578
Year Chartered1952
Employees84
Primary Regulator
Profit Margin
Return on Assets - YTD0.78%
Return on Equity - YTD5.86%
Annual Interest Income$6.0MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$324.1MM$315.9MM
LoansQ2 2017vs Q2 2016$217.0MM$208.6MM
DepositsQ2 2017vs Q2 2016$277.3MM$270.0MM
Equity CapitalQ2 2017vs Q2 2016$43.6MM$42.1MM
Loan Loss AllowanceQ2 2017vs Q2 2016$1.6MM$1.3MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$1.7MM$1.0MM
Real Estate OwnedQ2 2017vs Q2 2016$30.00K$313.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Wanigas Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.71%$500-48 Month CD
1.26%$500-36 Month CD
1.00%$500-24 Month CD
0.65%$500-12 Month CD
0.45%$500-6 Month CD
0.40%$500-3 Month CD

Wanigas Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.71%$500-4 Year IRA
1.26%$500-3 Year IRA
1.00%$500-2 Year IRA
0.65%$500-1 Year IRA
Locations


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