Our

3070 Normandy Rd, Royal Oak, MI 48073

NCUA Insured4.1 (105 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1959

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 Royal Oak, MI may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1959

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

3070 Normandy Rd

Royal Oak, MI 48073

Google Maps 🗺Waze

(248) 549-3838

Service Area

This credit union is located in Royal Oak and serves members in the MI area. Currently serving 23,626 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

4.99%

Used Auto Loan

4.99%

Personal Loan

8.99%

Credit Card APR

8.95%

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(6 total)

Member Reviews

4.1

105 Google reviews

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

View on Google Maps

Íšłãm Šhãmšùł

3 months ago

I had a great experience with the upper management team at OUR Credit Union. After a disappointing interaction at a different branch, their leadership stepped in and made sure my concerns were heard and addressed promptly. They provided excellent customer service, followed up with care, and even offered a gift card as a kind gesture for the inconvenience. I truly appreciate the professionalism and commitment they showed in turning my experience around.

Anon Ymous

3 months ago

Some friendly staff, operations seem dated such as the app, uploading/sending in documents is a hassle. They live rent free in our mailbox because of all the obnoxious mail. Claim they dont have insurance proof even though its been sent well over handful of times as well as the insurance agent sending in proof. Now they're trying to get insurance for us. ARE YOU SERIOUS!?! Is this incompetence? What's going on? Had other issues and was told multiple different things. Also when someone is late you do NOT need to send 4 letters a week. Good grief cant wait to be done with this loan/bank.

Stephanie Williams

4 months ago

My parents have an account here. When our Dad passed they were so helpful with getting the account in our Mother's name. I liked the service so much I opened an account too.

Robert Gignac

4 months ago

Amanda was amazing! She took care of me in a way that can only be described as; fast, super friendly, and professional.

cody babiasz

8 months ago

Always willing to help with reducing or eliminating fees and overall very friendly staff. Quick response times even when it comes to messaging on their own app.