NCUA Insured
Member-Owned
2 charter
Established in 1954
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Ionia, MI may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
2 charter
Established in 1954
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in Ionia and serves members in the MI area. Currently serving 18,606 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
5.49%Used Auto Loan
5.89%Personal Loan
13.00%Credit Card APR
12.99%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.
Lowest rates currently reported by credit unions in MI (NCUA Q4 2025).
Wyandotte, MI
Onaway, MI
Detroit, MI
Niles, MI
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
3.7
36 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsAngela Rudicill
7 months ago
Hate to leave a bad review but in order for things to change they need to know. First of all been a customer forever, while I love my bank there are things I do not love. I feel M1 needs to get with today's technology when it comes to convience, because nothing about banking with them is convenient. Their online deposit takes forever to post, the hold on your money takes forever. If you deposit by atm with a shared branch I could have sent my money around the world faster. Where is tap to pay?
Joe Wiggers
a month ago
After the latest need a so called one time code for security came into play ..., I couldn't get the code they sent me to work, so I could check my online banking ... I called 5 times to speak to a human. Was unable to make contact with a human. Nobody called me back me either. What a bunch of B.S. I guess I'll have to drive to the bank talk to a human so I can get my online banking to work again ... I was FINALLY able to get ahold of a human, and there was nothing the lady could do for me.NO ONE has ever had that problem before, she tells me. I'd have to drive to the bank for help ... Wow !!!!
Nevin Griffin
a year ago
Stay away at all cost! This instution is very unfriendly. They causes more damage then anything. Me and my wife drove 2 hours to open a account with them because they was suppose to be one of the best credit unions but soon as my business received my first wire transfer they had a issue and closed my account claiming that Zelle had flagged me for fraud. Which I had told them that it was prior issue of a past client who made a claim of there card being used without there knowledge. I was the one who took the payment and it was made in front of me by the correct client so I refused to return the payment. This is why they closed my account without getting my side of the story. They told me that they will be next daying my money which was on Monday and I still have not received it and when I call up there I am getting the run around.
Paul Sake
2 years ago
Sad to be leaving this negative review after all the loans I've done through M1 and the loyalty and customer service I THOUGHT they'd have. I recently did my mortgage through them and MMS mortgage services. The mortgage went through and should have been an excellent experience. But instead I learned that a lender I have done business with for quite some time, has no problem with MMS LYING about fees they charge and what they are for. And yes, I have proof of their lying. After the mortgage was processed, I had hoped to reach out to M1 and speak to someone to get this resolved. Well I learned that money matters most and that they are completely ok with any of their business partners LYING to their customers. Again, I have actual proof of the lying. I fully expected M1 to be concerned about the issue and make attempts to get the matter resolved. Especially considering the LOYALTY I've shown them over the years. Needless to say, $521.00 was more important to M1 and MMS than a loyal customer. Let me state that again. a meagar $521.00 was more important to these financial institutions than rectifying a proven lie and keeping a customer. I'll never do business with the lender again. That is also the case for MMS. And if either want to take this to the next level, let's go. I have the necessary proof to show you blatantly and knowingly lied to me about a fee instead of just being honest and up front. That is something that matters to me and should to others looking for a mortgage or a trustworthy financial institution to work with. If honesty and being up front matters STAY AWAY FROM both these institutions. Even just a few hundred dollars is more important to these institutions than integrity and customer retention.
S Herrera
2 years ago
It really doesn't matter how much money you make. It doesn't matter how much deposits you have going in your account every week or two weeks or every month. If you need a loan for anything, they will not give it to you if you have one blemish on your record. I applied for a vehicle loan and just because I have a couple collections they refuse to give me the loan even though I told them that the vehicle was to help secure away from me to go back and forth to work to make money to pay off those loans. It is complete faults I advertisement when you see or hear an ad for this place saying that they do well for auto loans and mortgages when they don't give out anything.
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(616) 527-3900Website
Visit WebsiteMembers
18,606
Total Assets
$232.4M
Year Opened
1954
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile