Credit union · NCUA insured
Isabella Community Credit Union
A $222.6M credit union headquartered in Mount Pleasant, MI, with 13,540 members and 4 branches in Michigan. Best rates: CDs 3.85% and savings 1.10% APY.
Isabella Community Credit Union Carrot Score
85
Carrot Score
Higher than 70% of U.S. banks and credit unions
#2 of 6 in Mount Pleasant, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Isabella Community Credit Union
Founded in 1958 at Mount Pleasant High School by school employees as School Employees of Isabella County Credit Union, the cooperative originally served 82 members.
Known as Isabella Community Credit Union since 1984, it operates as a member-owned, not-for-profit financial cooperative.
Headquartered in Mt. Pleasant, Michigan, the credit union serves individuals who live or work across Isabella, Clare, Gladwin, Gratiot, Midland, Montcalm, Mecosta, and Osceola counties.
- Headquarters
- 2400 S Isabella RD, Mount Pleasant, MI 48858
- NCUA charter
- 61318
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Eligibility is open to anyone who lives or works in Isabella County or one of the surrounding counties (Clare, Gladwin, Gratiot, Midland, Montcalm, Mecosta, and Osceola).
Family and household
- Eligibility is open to anyone who is related to a current ICCU member.
Cost to join
- A $5.00 deposit is required to open a savings account for membership.
Branches
4 branches in Michigan
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Michigan
4 branches
- Isabella Community Credit UnionMain office2400 S Isabella RD, Mount Pleasant, MI 48858Directions
- Gratiot Isabella Technical Education Center (at Mt Pleasant High School)1155 S Elizabeth ST, Mount Pleasant, MI 48858Directions
- Isabella Community Credit Union410 W Broadway St Ste B, Mount Pleasant, MI 48858Directions
- Isabella Community Credit Union2100 E Remus RD, Mount Pleasant, MI 48858Directions
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 | 10.07% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.14% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.27% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $58 | $76 | — |
- CapitalNet worth ratio10.07%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.14%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.27%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$58Peers’ 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 Isabella Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.