Credit union · NCUA insured
Honor Credit Union
A $1.9B credit union, the 274th largest of 4,329, headquartered in Berrien Springs, MI, with 105,279 members and 27 branches in Michigan. Best rates: CDs 4.03% and savings 0.15% APY.
Honor Credit Union Carrot Score
78
Carrot Score
Higher than 45% of U.S. banks and credit unions
#6 of 11 in Niles, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Honor Credit Union
Founded in 1934, Honor Credit Union is a member-owned, not-for-profit financial cooperative with over 110,000 members.
Based in Michigan, the credit union operates 28 branch locations across the state.
- Headquarters
- 8385 Edgewood Rd, Berrien Springs, MI 49103-9004
- NCUA charter
- 63004
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live or work in select Indiana counties (Lake, Porter, LaPorte, St. Joseph, Elkhart, Lagrange, Steuben, Newton, Jasper, Starke, Marshal, Kosciusko, Noble, or Dekalb) are eligible to join.
- Individuals who live, work, or worship in the state of Michigan are eligible to join.
- Individuals who live or work in select Wisconsin counties (Iron, Vilas, Forest, Florence, or Marinette) are eligible to join.
Employers and groups
- Individuals who make a verified donation to Special Olympics Michigan and sign up for their newsletter are eligible to join (not available for Indiana residents).
Military, government and schools
- Individuals enrolled in a college, university, or trade school in Michigan are eligible for membership.
Family and household
- Immediate family members of current Honor Credit Union members are eligible to join.
Branches
27 branches in Michigan
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Michigan
27 branches
Niles area · 8
- Honor Credit Union9061 1st St, Baroda, MI 49101Directions
- Honor Credit Union1873 E Napier Ave, Benton Harbor, MI 49022Directions
- Honor Credit Union8952 US Highway 31, Berrien Springs, MI 49103Directions
- Honor Credit Union128 Main St, Buchanan, MI 49107Directions
- Honor Credit Union133 Badt Dr, Coloma, MI 49038Directions
- Honor Credit Union1010 Moore St, Niles, MI 49120Directions
- Honor Credit Union2712 Niles Ave, St. Joseph, MI 49085Directions
- Honor Credit Union5960 Cleveland Ave, Stevensville, MI 49127Directions
Grand Rapids area · 3
- Honor Credit Union6065 Lake Michigan Dr, Allendale, MI 49401Directions
- Honor Credit Union1963 Baldwin St, Jenison, MI 49428Directions
- Honor Credit Union841 36th St SW, Wyoming, MI 49509Directions
Battle Creek area · 3
- Honor Credit Union1671 Michigan Ave W, Battle Creek, MI 49037Directions
- Honor Credit Union6030 B Dr N, Battle Creek, MI 49014Directions
- Honor Credit Union240 Helmer Rd N, Springfield, MI 49037Directions
Marquette area · 3
- Honor Credit Union145 E State Highway M35, Gwinn, MI 49841Directions
- Honor Credit Union105 County Road 492, Marquette, MI 49855Directions
- Honor Credit Union490 US Highway 41, Negaunee, MI 49866Directions
Holland area · 2
- Honor Credit Union1253 Lincoln Rd, Allegan, MI 49010Directions
- Honor Credit Union1283 M 89, Plainwell, MI 49080Directions
Kalamazoo area · 2
- Honor Credit Union4400 Stadium Dr, Kalamazoo, MI 49008Directions
- Honor Credit Union2340 E Centre Ave, Portage, MI 49002Directions
Coldwater area · 1
- Honor Credit Union621 E Chicago Rd, Coldwater, MI 49036Directions
Decatur area · 1
- Honor Credit Union201 N Phelps St, Decatur, MI 49045Directions
South Bend area · 1
- Honor Credit Union56337 M 51 S, Dowagiac, MI 49047Directions
Hartford area · 1
- Honor Credit Union18 N Center St, Hartford, MI 49057Directions
Paw Paw area · 1
- Honor Credit Union422 S Kalamazoo St, Paw Paw, MI 49079Directions
South Haven area · 1
- Honor Credit Union72133 County Road 388, South Haven, MI 49090Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.16% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.92% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.88% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $85 | $88 | — |
- CapitalNet worth ratio12.16%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.92%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.88%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$85Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 Honor Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.