Credit union · NCUA insured
Country Heritage Credit Union
A $52M credit union headquartered in Buchanan, MI, with 1,209 members and 1 branch in Michigan. Best rates: CDs 1.31% and savings 0.15% APY.
Country Heritage Credit Union Carrot Score
61
Carrot Score
Higher than 3% of U.S. banks and credit unions
#9 of 11 in Niles, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Country Heritage Credit Union
- Headquarters
- 16580 Bakertown Rd, Buchanan, MI 49107-9201
- NCUA charter
- 62079
Branches
1 branch in Michigan
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Michigan
1 branch
- Country Heritage Credit UnionMain office16580 Bakertown Rd, Buchanan, MI 49107Directions
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 | 22.46% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.54% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.39% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $96 | $59 | — |
- CapitalNet worth ratio22.46%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.54%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.39%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$96Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Country Heritage Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.