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Financialedge

PO Box 446, Bay City, MI 48707
NCUA Insured4.6 (170 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1950

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO Box 446

Bay City, MI 48707

Google Maps🗺Waze
(989) 892-6088

Service Area

This credit union is located in Bay City and serves members in the MI area. Currently serving 8,742 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.13%

Used Auto Loan

7.58%

Personal Loan

14.16%

Credit Card APR

10.14%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MI

Lowest rates currently reported by credit unions in MI (NCUA Q4 2025).

Michigan Legacy— New Auto Loan

Wyandotte, MI

2.19%
Awakon— Used Auto Loan

Onaway, MI

3.99%
International Uaw— Personal Loan

Detroit, MI

5.50%
Circle— Credit Card APR

Niles, MI

4.80%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

4.6

170 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Deborah Hiltz

Deborah Hiltz

4 months ago

We have dealt with Michelle S on getting our beneficiaries set up. She was very patient with us and did a wonderful job making sure that everything was done correctly. She was wonderful to work with. We live in Northern Mi and Financial Edge is our bank of choice.

Emily Kozlowski

Emily Kozlowski

6 months ago

Shout out to Jim Bierlein! And any loan officer at FinacialEdge! They have always helped my brother and I, we appreciate it more than words can write! The staff is always so great and friendly when you go in as well! Recommend them to everyone!

James Weber

James Weber

4 months ago

I have been with Financial Edge Credit Union for over 2 decades and have always had A1 service from them , whether it is a loan ( lower rates than most ) or ordering in coins etc. , or just plain other services . They are always very kind and friendly and give good advice .

Deanna Grubaugh

Deanna Grubaugh

4 months ago

It’s absolutely beautiful inside and outside. The workers are all extremely nice and very professional. I was impressed on how fast I was taken care of.. I recommend stopping by the Financial Edge Credit Union, you’re definitely not going to be disappointed.

Teresa Bedell

Teresa Bedell

6 months ago

Love coming here with the friendly staff and inviting environment all your questions and transactions are taken care of quickly and confidently. Thank you so much!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).