Credit union · NCUA insured
Arbor Financial Credit Union
Top CarrotA $905.3M credit union headquartered in Kalamazoo, MI, with 47,329 members and 12 branches in Michigan. Best rates: CDs 4.07% and savings 1.20% APY.
Arbor Financial Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 80% of U.S. banks and credit unions
#5 of 20 in Kalamazoo, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Arbor Financial Credit Union
Founded in 1935 as Kalamazoo School Employees Credit Union, the institution originally formed to meet the financial needs of local educators.
In 2016, it changed its name to Arbor Financial Credit Union and operates as a member-owned credit union.
Arbor Financial operates 12 branch locations across Southwest Michigan and serves individuals and businesses throughout the state of Michigan.
- Headquarters
- 1551 S 9th St, Kalamazoo, MI 49009-9404
- NCUA charter
- 61708
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, or worships in the state of Michigan is eligible to join Arbor Financial Credit Union.
Cost to join
- A minimum deposit of $5 is required to open membership when joining.
Branches
12 branches in Michigan
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Michigan
12 branches
Kalamazoo area · 5
- Main OfficeMain office1551 S 9th St, Kalamazoo, MI 49009Directions
- Kalamazoo Office5991 Gull Rd, Kalamazoo, MI 49048Directions
- Centre Ave Office2019 W Centre Ave, Portage, MI 49024Directions
- Portage Road Office8910 Portage Rd, Portage, MI 49002Directions
- Westnedge Ave Office5250 S Westnedge Ave, Portage, MI 49002Directions
Grand Rapids area · 3
- Caledonia Office7200 Kalamazoo Ave SE, Caledonia, MI 49316Directions
- Hudsonville Office3961 32nd Ave, Hudsonville, MI 49426Directions
- Wyoming Office2757 44th St SW, Wyoming, MI 49519Directions
Lawrence area · 1
- Lawrence701 S Paw Paw St, Lawrence, MI 49064Directions
Holland area · 1
- Otsego-Plainwell Office1389 M-89, Otsego, MI 49078Directions
Paw Paw area · 1
- Paw Paw Office315 E St Joseph St, Paw Paw, MI 49079Directions
Sturgis area · 1
- Three Rivers Office811 W Michigan Ave, Three Rivers, MI 49093Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.62% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.81% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.82% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $89 | $76 | — |
- CapitalNet worth ratio10.62%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.81%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.82%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$89Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Arbor Financial Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.