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West Michigan Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
westmichigancu.com
800-442-4576
1319 Front Ave NW
Grand Rapids, MI 49504

West Michigan Credit Union is headquartered in Grand Rapids and is the 66th largest credit union in the state of Michigan. It is also the 1,110th largest credit union in the nation. It was established in 1956 and as of March of 2025, it had grown to 58 employees and 17,537 members at 8 locations. West Michigan Credit Union's money market rates are 5X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, worship or work in Lake, Kent, Manistee, Missaukee, Mecosta, Montcalm, Newaygo, Osceola, or Wexford Counties in Michigan. Membership is also open to employees and retirees of the State of Michigan who live or work in Benzie, Leelanau, Mason, Muskegon, Oceana, and Ottawa Counties; Miller Industries in Reed City.
See current membership details

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #62347
Year Chartered1956
Employees58
Primary Regulator
Profit Margin
Return on Assets - YTD1.86%
Return on Equity - YTD9.17%
Annual Interest Income$2.8MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$260.5MM$257.5MM
LoansQ1 2025vs Q1 2024$106.7MM$128.8MM
DepositsQ1 2025vs Q1 2024$205MM$207.7MM
Equity CapitalQ1 2025vs Q1 2024$52MM$47MM
Loan Loss AllowanceQ1 2025vs Q1 2024$1.1MM$1.2MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$323K$345K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not West Michigan Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

West Michigan Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$1-Nest Egg Savings
0.10%$1-Christmas Club
0.10%$5-Share Savings

West Michigan Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%*$500k*-Success Money Market
OTHER TIERS: 0.10% → $0 - $50k | 0.50% → $50k - $150k | 1.00% → $150k - $300k | 1.76% → $300k - $500k
0.40%*$5k*-Money Market
OTHER TIERS: 0.20% → $1 - $2.5k | 0.30% → $2.5k - $5k

West Michigan Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$100k*-Business Interest Checking
OTHER TIERS: 0.10% → $0 - $10k | 0.20% → $10k - $100k
0.10%$1k-Select Checking

West Michigan Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%$500-36 Month CD
1.76%$500-24 Month CD
1.76%$500-30 Month CD
1.31%$500-60 Month CD
1.26%$500-12 Month CD
1.26%$500-18 Month CD
1.26%$500-15 Month CD
1.16%$500-48 Month CD
1.00%$500-6 Month CD
0.55%$500-3 Month CD

West Michigan Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%$500-36 Month IRA CD
1.76%$500-24 Month IRA CD
1.76%$500-30 Month IRA CD
1.31%$500-60 Month IRA CD
1.26%$500-12 Month IRA CD
1.26%$500-18 Month IRA CD
1.26%$500-15 Month IRA CD
1.16%$500-48 Month IRA CD
1.00%$500-6 Month IRA CD
0.55%$500-3 Month IRA CD
Locations


West Michigan Credit Union Locations
Branch Office215 Bell AveCadillac, MI 49601-1103
Branch Office4795 220th AvenueReed City, MI 49677-1395
Branch Office802 Division StBig Rapids, MI 49307-2230
Branch Office825 Division StBig Rapids, MI 49307-2229
Branch Office1319 Front Ave NWGrand Rapids, MI 49504
Branch Office316 Care Center DrManistee, MI 49660
Corporate Office1720 Michigan St NEGrand Rapids, MI 49503
Branch Office201 36th St SEGrand Rapids, MI 49548-2213

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