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Route 31

715 Terrace Street, Suite 101, Muskegon, MI 49440
NCUA Insured4.7 (355 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1949

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

Location & Directions

Address

715 Terrace Street, Suite 101

Muskegon, MI 49440

Service Area

This credit union is located in Muskegon and serves members in the MI area. Currently serving 9,567 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

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.

Best Rates in MI

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

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

Branches & Locations(2 total)

Member Reviews

4.7

355 Google reviews

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

View on Google Maps
Shrugging Atlas

Shrugging 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

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

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

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

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!

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).