Credit union · NCUA insured
Circle Federal Credit Union
Top CarrotA $117.2M credit union headquartered in Niles, MI, with 6,094 members and 3 branches in Michigan. Best rates: CDs 4.02% and savings 0.50% APY.
Circle Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 86% of U.S. banks and credit unions
#4 of 22 in South Bend, IN-MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Circle Federal Credit Union
Circle Federal Credit Union is a member-owned financial cooperative that has served its members for more than 90 years.
- Headquarters
- 507 E Main St, Niles, MI 49120-2617
- NCUA charter
- 22114
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live in Berrien or Cass County in Michigan or St. Joseph or Elkhart County in Indiana are eligible for membership.
Employers and groups
- Individuals who work in Berrien or Cass County in Michigan or St. Joseph or Elkhart County in Indiana are eligible for membership.
Military, government and schools
- Individuals who attend school in Berrien or Cass County in Michigan or St. Joseph or Elkhart County in Indiana are eligible for membership.
Family and household
- Eligible immediate family and household members of a Circle FCU member may qualify for membership regardless of employment or residency.
Other ways
- Individuals who worship in Berrien or Cass County in Michigan or St. Joseph or Elkhart County in Indiana are eligible for membership.
Cost to join
- Membership begins by establishing ownership with a Share Savings Account.
Branches
3 branches in Michigan
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Michigan
3 branches
South Bend area · 2
- Cass Branch1050 E State St, Cassopolis, MI 49031Directions
- Edwardsburg Branch68925 M-62, Suite A, Edwardsburg, MI 49112Directions
Niles area · 1
- Niles BranchMain office507 E Main St, Niles, MI 49120Directions
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 | 9.14% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.25% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.80% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $76 | $76 | — |
- CapitalNet worth ratio9.14%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.25%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.80%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$76Peers’ 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 Circle Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.