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PO Box 795, Traverse City, MI 49685
NCUA Insured3.0 (30 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1954

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

Location & Directions

Address

PO Box 795

Traverse City, MI 49685

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(231) 929-2000

Service Area

This credit union is located in Traverse City and serves members in the MI area. Currently serving 104,200 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

8.75%

Used Auto Loan

8.75%

Personal Loan

9.69%

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(23 total)

Member Reviews

3.0

30 Google reviews

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

View on Google Maps
Machelle Cole

Machelle Cole

10 months ago

I am so frustrated with this place! I have only been a member for under a year and have had to get a new debt card 3 times now! Every time I go in or call for help, I get no help. It is all so FRUSTRATING!!! I’ve been making payments just fine to my accounts then all Of sudden it’s tagged as fraud. I respond to the text, YES I made that payment and my card still gets turned off. This has happened to many times!!!!!!!!!!! I was with Comerica Bank for 25 years and never had issues like this. Moved here thought I would use a local bank. What a mess that turned out to be. You can NEVER get a straight answer from anyone!!!

Ryder Campbell

Ryder Campbell

3 months ago

Very good location so friendly after my awful experiences with the location by meijer I’m very happy this one is here.

Tim Bottrell

Tim Bottrell

a year ago

I have been trying to help my daughter unravel some NSF charges on her account Starting back in December 2023 when she was 16. This was about six weeks after her mother had passed away. The credit union eventually closed the account in early ‘24 and tacked on a $100 fee for closing the account. I was told today that this $100 cannot be waived. It seems incredibly cold to pounce on a teenager who lost their mother and to dig your heels in over $144. Her deceased mother also has an account at the bank, but they will not work with the estate manager or my daughter on that remaining balance.

George Cooke

George Cooke

a year ago

I have been a member for 25 years. I recently secured 2 smaller loans and paid one off and now I'm denied with no apparent good reason for another loan when I had absolutely no issues. No numbers to back up their denial. One of the worst experiences I've had with a bank and truly considering transferring to a different bank. I e that actually cares about their members

C Hoover (Lovesgreen)

C Hoover (Lovesgreen)

a year ago

We have been with this credit union for a long time even when it was Members credit union. It sure beats a Bank! Today a very nice young lady named Stevan ( not real sure of spelling) she did such a good job and a joy to do business with. All the ones I have taken care of me are very nice but she was especially nice.

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).