Credit union · NCUA insured
Gerber Federal Credit Union
Top CarrotA $257.8M credit union headquartered in Fremont, MI, with 16,105 members and 3 branches in Michigan. Best rates: CDs 4.75% and savings 1.00% APY.
Gerber Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 81% of U.S. banks and credit unions
#57 of 199 in MichiganHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Gerber Federal Credit Union
- Headquarters
- 508 State St, Fremont, MI 49412
- NCUA charter
- 6832
Branches
3 branches in Michigan
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Michigan
3 branches
Fremont area · 2
- Corporate OfficeMain office508 State St, Fremont, MI 49412Directions
- Main Street Branch1004 W Main St, Fremont, MI 49412Directions
Newaygo area · 1
- Newaygo Branch300 Adams St, Newaygo, MI 49337Directions
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 | 10.19% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.89% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.75% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $61 | $76 | — |
- CapitalNet worth ratio10.19%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.89%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.75%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$61Peers’ 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 Gerber 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.