Overview / Commentary
1319 Front Ave NW
Grand Rapids, MI 49504

West Michigan Credit Union is headquartered in Grand Rapids and is the 69th largest credit union in the state of Michigan. It is also the 1,187th largest credit union in the nation. It was established in 1956 and as of December of 2018, it had grown to 37 employees and 16,004 members at 6 locations. West Michigan Credit Union's CD rates are 89% higher than 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 Grade Components

NCUA #62347
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD1%
Return on Equity - YTD5.52%
Annual Interest Income$5.6MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$164.9MM$158.8MM
LoansQ4 2018vs Q4 2017$93.0MM$76.9MM
DepositsQ4 2018vs Q4 2017$129.9MM$128.9MM
Equity CapitalQ4 2018vs Q4 2017$29.6MM$28.0MM
Loan Loss AllowanceQ4 2018vs Q4 2017$483.00K$557.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$457.00K$516.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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West Michigan Credit Union Savings Account Rates

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

2.85%$500-60 Month CD Special
2.25%$500-36 Month CD Special
1.70%$500-12 Month CD Special
0.95%$500-48 Month CD
0.60%$500-24 Month CD
0.25%$500-3 Month CD
0.25%$500-6 Month CD

West Michigan Credit Union IRA Rates

2.85%$500-60 Month IRA Special
2.25%$500-36 Month IRA Special
1.70%$500-12 Month IRA Special
0.95%$500-48 Month IRA
0.60%$500-24 Month IRA
0.25%$500-3 Month IRA
0.25%$500-6 Month IRA

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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