Credit union · NCUA insured
Chief Financial Credit Union
Top CarrotA $255.5M credit union headquartered in Rochester Hills, MI, with 20,984 members and 4 branches in Michigan. Best rates: CDs 4.45% and savings 3.65% APY.
Chief Financial Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 99% of U.S. banks and credit unions
#1 of 75 in Detroit, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Chief Financial Credit Union
Founded in 1941 with roots in Pontiac, Michigan, Chief Financial Credit Union is a member-owned credit union.
The credit union serves communities in Pontiac, Dearborn, and Greater Rochester.
- Headquarters
- 200 Diversion St Ste 200, Rochester Hills, MI 48307-2207
- NCUA charter
- 4271
Branches
4 branches in Michigan
Loading map…
Michigan
4 branches
- Dearborn Branch4080 Schaefer Rd, Dearborn, MI 48126Directions
- Pontiac Branch790 Joslyn Ave, Pontiac, MI 48340Directions
- Rochester Branch20 S. Main Street, Rochester, MI 48307Directions
- Troy Branch751 E. Big Beaver Road, Troy, MI 48083Directions
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 | 9.89% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.57% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.64% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $83 | $76 | — |
- CapitalNet worth ratio9.89%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.57%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.64%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$83Peers’ 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 Chief 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.