Overview / Commentary
201 36th ST SE
Grand Rapids, MI 49548-2213

Western Districts Members Credit Union is headquartered in Grand Rapids and is the 153rd largest credit union in the state of Michigan. It is also the 2,560th largest credit union in the nation. It was established in 1952 and as of September of 2018, it had grown to 8 employees and 3,187 members at 2 locations. Western Districts Members Credit Union has a B+ health rating.

Field of Membership Restrictions

Must be a member or employee of one of the several Select Employer Groups.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Western Districts Members Credit Union has a low asset base.

Health Grade Components

NCUA #62073
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD0.37%
Return on Equity - YTD2.29%
Annual Interest Income$1.0MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$40.0MM$39.7MM
LoansQ3 2018vs Q3 2017$18.0MM$17.0MM
DepositsQ3 2018vs Q3 2017$33.3MM$32.7MM
Equity CapitalQ3 2018vs Q3 2017$6.5MM$6.7MM
Loan Loss AllowanceQ3 2018vs Q3 2017$100.00K$121.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$115.00K$52.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Western Districts Members Credit Union Savings Account Rates

0.90%--Traditional IRA
0.90%--Roth IRA
0.50%$5-Christmas Club
0.10%$5-Shares Savings
0.10%$5-Sub Shares
0.10%$5-Vacation Club

Western Districts Members Credit Union Money Market Rates

0.45%*$50k*-Money Market Savings
OTHER TIERS: 0.20% $2.5k - $25k | 0.30% $25k - $50k

Western Districts Members Credit Union CD Rates

0.90%$500-5 Years CD
0.80%$500-4 Years CD
0.70%$500-3 Years CD
0.50%$500-24-35 Month CD
0.45%$500-22 Month CD Special
0.35%$500-18 Month CD Special
0.30%$500-12-23 Month CD
0.30%$200-12 Month Youth Club CD
0.25%$500-9 Month CD Special
0.20%$500-6-11 Month CD
0.20%$200- 6 Month Youth Club CD
0.15%$500-3-5 Month CD

Western Districts Members Credit Union IRA Rates

0.70%$500-3 Years IRA
0.50%$500-24-35 Month IRA
0.30%$500-12-23 Month IRA

Western Districts Members Credit Union Locations
Branch Office201 36th ST SEGrand Rapids, MI 49548-2213
Branch Office600 Plymouth Ave NEGrand Rapids, MI 49505-6040

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