Credit union · NCUA insured
Downriver Community Federal Credit Union
A $193.5M credit union headquartered in Southgate, MI, with 12,303 members and 3 branches in Michigan. Best rates: CDs 2.25% and savings 0.15% APY.
Downriver Community Federal Credit Union Carrot Score
71
Carrot Score
Higher than 29% of U.S. banks and credit unions
#62 of 75 in Detroit, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Downriver Community Federal Credit Union
Organized in 1942 as Great Lakes Steelworkers Federal Credit Union, Downriver Community Federal Credit Union was established by Great Lakes Steel Corporation employees to provide a safe place to save money.
The credit union built its main office in Ecorse, Michigan, in 1960 and adopted its current name in 1982.
Downriver CU later expanded by merging with Detroit Marathon Employees Federal Credit Union in 2004 and Wyandotte Community Federal Credit Union in 2008.
Today, it serves individuals who live, work, worship, or attend school in Wayne and Monroe Counties.
- Headquarters
- 15261 Trenton Rd, Southgate, MI 48195
- NCUA charter
- 4853
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This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who lives, works, worships, or attends school in Wayne or Monroe Counties.
Cost to join
- Applying for membership requires opening a Prime Share Savings Account with a minimum deposit of $5.00.
Branches
3 branches in Michigan
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Michigan
3 branches
- Southgate CentralMain office15261 Trenton Rd, Southgate, MI 48195Directions
- Ecorse Brach4320 W Jefferson Ave, Ecorse, MI 48229Directions
- Woodhaven Branch18707 West Rd, Woodhaven, MI 48183Directions
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 | 10.54% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.52% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.50% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $43 | $76 | — |
- CapitalNet worth ratio10.54%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.52%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.50%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$43Peers’ 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 Downriver Community 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.