Overview / Commentary
616-451-4567
1319 Front Ave NW
Grand Rapids, MI 49504

West Michigan Credit Union is headquartered in Grand Rapids and is the 70th largest credit union in the state of Michigan. It is also the 1,188th largest credit union in the nation. It was established in 1956 and as of June of 2018, it had grown to 35 employees and 15,834 members at 6 locations. West Michigan Credit Union 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

Health Grade Components

Overall
NCUA #62347
Year Chartered1956
Employees35
Primary Regulator
Profit Margin
Return on Assets - YTD0.98%
Return on Equity - YTD5.64%
Annual Interest Income$2.7MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$165.7MM$161.2MM
LoansQ2 2018vs Q2 2017$84.0MM$76.5MM
DepositsQ2 2018vs Q2 2017$134.4MM$132.4MM
Equity CapitalQ2 2018vs Q2 2017$28.8MM$27.1MM
Loan Loss AllowanceQ2 2018vs Q2 2017$489.00K$501.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$446.00K$438.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
Rates
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West Michigan Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$5k-Gold Savings
0.15%$2.5k-Midas Savings
0.15%$1-Christmas Club
0.10%$1-Nest Egg Savings
0.10%$5-Share Savings

West Michigan Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.20%$500-60 Months CD
0.95%$500-48 Months CD
0.85%$500-36 Months CD
0.60%$500-24 Months CD
0.30%$500-12 Months CD
0.25%$500-3 Months CD
0.25%$500-6 Months CD

West Michigan Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.20%$500-60 Months IRA
0.95%$500-48 Months IRA
0.85%$500-36 Months IRA
0.60%$500-24 Months IRA
0.30%$500-12 Months IRA
0.25%$500-3 Months IRA
0.25%$500-6 Months IRA
Locations


West Michigan Credit Union Locations
Branch Office215 Bell AveCadillac, MI 49601-1103
Branch Office758 S Chestnut StReed 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

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