NCUA Insured
Member-Owned
1 charter
Established in 1949
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 Muskegon, 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
1 charter
Established in 1949
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 Muskegon and serves members in the MI area. Currently serving 9,567 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
7.74%Used Auto Loan
7.74%Personal Loan
11.24%Credit Card APR
10.00%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.
4.7
355 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsShrugging Atlas
3 months ago
Just received a personal call for a fraud alert. Even though it was a false alarm, I immensely appreciate the fact they are being vigilant about my finances. Very happy with that level of service. I would definitely recommend this Credit Union to anyone looking for a banking partner. I have been with Route 31 since the beginning and was with the predecessor, Muskegon CO-OP FCU many years before that, and I have always been happy with them. Don't overlook this local Credit Union. I doubt the national names would be this personalized.
Kim Williams
3 months ago
We have been with R31 for years. R31 has always gone beyond to help us in any situation we have always gotten better rates on loans & CDs with R31. The reason for the 4 stars is because the newer younger employees are not as focused on customer service. The one reason we have opted to stay was because of the return on our money. These new young employees need to be better trained and they need to realize everyone that walks through that door, regardless of how they look, may very well be a member worth more than a quarter million dollars. If we pick it up and take it else where they may no longer be working there. They need to focus on their members as if their jobs rely on them, because they do.
Stephanie Haddock
3 months ago
Michelle Vanderstelt helped me refinance my car. She was so helpful! It was completed in less than 24 hours and she got me a much better interest rate!
Joe Lasser
3 months ago
Always a pleasure banking with route 31. I have been a member for 10 yrs and love their customer service. Employees like Joey always handle my concerns promptly and with a smile. Thank you Route 31 and thank you Joey.
Justin bamford
3 months ago
Route 31 goes the extra mile! I have been a happy member for 19 years. They offer exceptional personalized service with all the great products, services, and technology you need. Joey in the contact center is AWESOME!
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
(231) 726-4871Website
Visit WebsiteMembers
9,567
Total Assets
$97.8M
Year Opened
1949
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile