Credit union · NCUA insured
Christian Financial Credit Union
Top CarrotA $1.1B credit union headquartered in Sterling Heights, MI, with 61,556 members and 12 branches in Michigan. Best rates: CDs 4.50% and savings 1.25% APY.
Christian Financial Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 96% of U.S. banks and credit unions
#3 of 75 in Detroit, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Christian Financial Credit Union
Christian Financial Credit Union is based in Sterling Heights, Michigan, and has served the Metro Detroit community for 75 years.
- Headquarters
- 35100 Van Dyke Ave, Sterling Heights, MI 48312
- NCUA charter
- 63805
Branches
12 branches in Michigan
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Michigan
12 branches
- Center Line8171 E 10 Mile Rd, Center Line, MI 48015Directions
- Chesterfield25450 23 Mile Rd, Chesterfield, MI 48051Directions
- Clinton Township37321 Garfield Rd, Clinton Township, MI 48036Directions
- Harper Woods19770 Harper Ave, Harper Woods, MI 48225Directions
- Livonia Branch33036 7 Mile Rd, Livonia, MI 48152Directions
- Livonia South36111 5 Mile Rd, Livonia, MI 48154Directions
- Novi Branch41690 W 10 Mile Rd, Novi, MI 48375Directions
- Plymouth8817 N Sheldon Rd, Plymouth, MI 48170Directions
- Roseville South27454 Gratiot Ave, Roseville, MI 48066Directions
- Shelby55834 Van Dyke Ave, Shelby Township, MI 48316Directions
- St. Clair Shores Branch31065 Harper Ave, St. Clair Shores, MI 48082Directions
- Sterling Heights13705 Lakeside Cir, Sterling Heights, MI 48313Directions
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 | 9.93% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.46% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.71% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $83 | $88 | — |
- CapitalNet worth ratio9.93%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.46%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.71%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$83Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 Christian 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.