Wildfire Credit Union

Overview / Commentary
6640 Bay Rd
Saginaw, MI 48604

Wildfire Credit Union is headquartered in Saginaw and is the 23rd largest credit union in the state of Michigan. It is also the 415th largest credit union in the nation. It was established in 1937 and as of December of 2023, it had grown to 175 employees and 48,083 members at 5 locations. Wildfire Credit Union's CD rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Wildfire Credit Union is open to individuals who live, work, worship, or attend a school in the State of Michigan. Family members of an existing Wildfire Credit Union member also qualify for membership.
See current membership details


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Health Grade Components

NCUA #60057
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD-0.02%
Return on Equity - YTD-0.25%
Annual Interest Income$38.9MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$1.08B$1.03B
LoansQ4 2023vs Q4 2022$594.9MM$550.9MM
DepositsQ4 2023vs Q4 2022$963.5MM$932.8MM
Equity CapitalQ4 2023vs Q4 2022$100.2MM$89.4MM
Loan Loss AllowanceQ4 2023vs Q4 2022$5.1MM$1.7MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$2MM$2MM
Real Estate OwnedQ4 2023vs Q4 2022$290K$190K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Wildfire Credit Union Savings Account Rates

2.10%*$1m*-High-Yield Deposit Account
OTHER TIERS: 1.10% $1k - $25k | 1.20% $25k - $50k | 1.35% $50k - $100k | 1.50% $100k - $250k | 1.65% $250k - $500k | 1.90% $500k - $1m
2.10%*$1m*-Business High Yield Deposit Account
OTHER TIERS: 1.10% $1k - $25k | 1.20% $25k - $50k | 1.35% $50k - $100k | 1.50% $100k - $250k | 1.65% $250k - $500k | 1.90% $500k - $1m
0.50%--IRA Account
0.35%*$50k*-Premium Savings
OTHER TIERS: 0.29% Up to $10k | 0.31% $10k - $25k | 0.33% $25k - $50k
0.26%*$10k*-Health Savings Account
OTHER TIERS: 0.20% Up to $1k | 0.22% $1k - $2.5k | 0.24% $2.5k - $10k
0.10%$1-Other Club Accounts
0.10%--Christmas Club
0.10%$5-Membership Share Account
0.10%$1-Other Savings
0.10%$5-Business Membership Share
0.10%$1-Business Other Savings

Wildfire Credit Union Checking Account Rates

0.26%*$50k*-Premium Checking
OTHER TIERS: 0.20% Up to $10k | 0.22% $10k - $25k | 0.24% $25k - $50k
0.15%*$50k*-Business Checking Beyond
OTHER TIERS: 0.10% Up to $50k

Wildfire Credit Union CD Rates

5.00%$500-49 Month CD Special
5.00%$500-Business 49 Month CD Special
4.44%$500-14 Month CD Special
4.44%$500-Business 14 Month CD Special
4.05%$500$2k12 Month Youth CD
3.94%$500$2k6 Month Youth CD
3.90%$500-18-23 Month CD
3.90%$500-60 Month CD
3.90%$500-Business 18-23 Month CD
3.90%$500-Business 60 Month CD
3.85%$500-12-17 Month CD
3.85%$500-48-59 Month CD
3.85%$500-Business 12-17 Month CD
3.85%$500-Business 48-59 Month CD
3.80%$500-36-47 Month CD
3.80%$500-Business 36-47 Month CD
3.75%$500-6-11 Month CD
3.75%$500-24-35 Month CD
3.75%$500-Business 6-11 Month CD
3.75%$500-Business 24-35 Month CD

Wildfire Credit Union Locations
Branch Office100 Joseph DrMidland, MI 48642
Branch Office6673 State StSaginaw, MI 48603
Branch Office6640 Bay RdSaginaw, MI 48604
Branch Office2936 Wilder RdBay City, MI 48706
Branch Office5655 E Pickard St Ste CMount Pleasant, MI 48858-5034

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