Credit union · NCUA insured
Best Financial Credit Union
A $156.1M credit union headquartered in Muskegon, MI, with 12,930 members and 2 branches in Michigan. Best rates: CDs 5.00% and savings 1.30% APY.
Best Financial Credit Union Carrot Score
82
Carrot Score
Higher than 59% of U.S. banks and credit unions
#21 of 49 in Grand Rapids, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Best Financial Credit Union
- Headquarters
- 1888 E Sherman Blvd, Muskegon, MI 49444-1822
- NCUA charter
- 62027
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to persons who live, work, worship, or attend school in Muskegon, Ottawa, Oceana, Newaygo, and Kent counties of Michigan.
Cost to join
- Opening a savings account requires $5.
Branches
2 branches in Michigan
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Michigan
2 branches
Muskegon area · 1
- Best Financial Credit UnionMain office1888 E Sherman Blvd, Muskegon, MI 49444Directions
Grand Rapids area · 1
- Best Financial Credit Union Spring Lake Branch612 W Savidge St, Spring Lake, MI 49456Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.75% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.93% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.05% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $79 | $76 | — |
- CapitalNet worth ratio14.75%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.93%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.05%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$79Peers’ 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 Best 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.