Credit union · NCUA insured
Filer Credit Union
A $258.5M credit union headquartered in Manistee, MI, with 13,252 members and 4 branches in Michigan. Best rates: CDs 3.09% and savings 1.01% APY.
Filer Credit Union Carrot Score
86
Carrot Score
Higher than 74% of U.S. banks and credit unions
#1 of 5 in Ludington, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Filer Credit Union
Founded in 1951 as Filer City Mill Employees Credit Union, Filer Credit Union is headquartered in Manistee, Michigan.
The institution originated from a grassroots effort by employees of American Box Board, now known as Packaging Corporation of America.
- Headquarters
- 1117 28th St, Manistee, MI 49660
- NCUA charter
- 62010
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This may be incomplete or out of date, so check with the credit union before you apply.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 works, lives, worships, or attends school in any county in the State of Michigan.
Branches
4 branches in Michigan
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Michigan
4 branches
Manistee area · 2
- Main OfficeMain office1117 28th St, Manistee, MI 49660Directions
- Parkdale Branch1778 Kemmer Rd, Manistee, MI 49660Directions
Bear Lake area · 1
- Bear Lake Branch7685 Lake St, Bear Lake, MI 49614Directions
Ludington area · 1
- Ludington3880 W US Highway 10, Ludington, MI 49431Directions
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 | 12.76% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.84% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.28% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $68 | $76 | — |
- CapitalNet worth ratio12.76%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.84%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.28%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$68Peers’ 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 Filer Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.