Credit union · NCUA insured
Family Financial Credit Union
Top CarrotA $169.2M credit union headquartered in Norton Shores, MI, with 16,646 members and 4 branches in Michigan. Best rates: CDs 4.18% and savings 1.00% APY.
Family Financial Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 81% of U.S. banks and credit unions
#4 of 19 in Muskegon, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Family Financial Credit Union
Founded in 1942 as Sealed Power Employees Credit Union, Family Financial Credit Union originally served the employees of the Sealed Power Company.
The credit union expanded through mergers with several employee credit unions and was granted a community charter in 2004.
- Headquarters
- 3575 Henry St, Norton Shores, MI 49441
- NCUA charter
- 61633
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This may be incomplete or out of date, so check with the credit union before you apply.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 Kent, Allegan, Mason, Montcalm, Muskegon, Ottawa, Oceana, or Newaygo County.
Family and household
- Anyone related to a member by blood, marriage, or adoption is eligible to join regardless of where they reside.
Branches
4 branches in Michigan
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Michigan
4 branches
Muskegon area · 3
- Main OfficeMain office3575 Henry St, Norton Shores, MI 49441Directions
- Family Financial Downtown HUB844 1st St, Muskegon, MI 49440Directions
- Family Financial Credit Union N Muksegon Branch1798 Holton Rd, N Muskegon, MI 49445Directions
Hart area · 1
- Family Financial Credit Union Hart Branch4075 W Polk Rd, Hart, MI 49420Directions
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 | 11.06% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.89% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.25% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $62 | $76 | — |
- CapitalNet worth ratio11.06%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.89%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.25%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$62Peers’ 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 Family 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.