Credit union · NCUA insured
Flagship Community FCU
A $33.5M credit union headquartered in Port Huron, MI, with 3,048 members and 2 branches in Michigan. Best rates: CDs 1.95% and savings 0.15% APY.
Flagship Community FCU Carrot Score
74
Carrot Score
Higher than 36% of U.S. banks and credit unions
#57 of 75 in Detroit, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Flagship Community FCU
Founded in 1959, Flagship Community Federal Credit Union is headquartered in Port Huron, Michigan, and serves St. Clair, Sanilac, and Huron counties.
- Headquarters
- 3910 Lapeer Rd, Port Huron, MI 48060-2402
- NCUA charter
- 13391
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This may be incomplete or out of date, so check with the credit union before you apply.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 individuals who live, work, worship, or attend school in St. Clair, Sanilac, or Huron County, Michigan.
- Membership is open to anyone who lives, works, or worships in St. Clair County, Sanilac County, or Huron County.
Branches
2 branches in Michigan
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Michigan
2 branches
Detroit area · 1
- Flagship Community FCUMain office3910 Lapeer Rd, Port Huron, MI 48060Directions
Harbor Beach area · 1
- Harbor Beach Office727 Trescott St, Harbor Beach, MI 48441Directions
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 | 11.22% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.31% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.74% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $55 | $59 | — |
- CapitalNet worth ratio11.22%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.31%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.74%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$55Peers’ 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 Flagship Community FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.