Credit union · NCUA insured
Jolt Credit Union
A $483.4M credit union headquartered in Saginaw, MI, with 27,415 members and 5 branches in Michigan. Best rates: CDs 3.75% and savings 0.25% APY.
Jolt Credit Union Carrot Score
85
Carrot Score
Higher than 70% of U.S. banks and credit unions
#11 of 22 in Saginaw, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Jolt Credit Union
Originally chartered in 1956 in Saginaw, Michigan, Jolt Credit Union is a member-owned cooperative financial institution.
Formerly Catholic Federal Credit Union, it was founded to serve parishioners of St. Mary's Cathedral Federal Credit Union.
- Headquarters
- 6180 State St, Saginaw, MI 48603
- NCUA charter
- 68703
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live, worship, work, or attend schools in Bay, Saginaw, Midland, Gratiot, Gladwin, Isabella, Clare, Arenac, Tuscola, Huron, Sanilac, Osceola, Wexford, Mecosta, Montcalm, Iosco, Ogemaw, Roscommon, and Missaukee counties are eligible for membership.
Employers and groups
- Employees of the Credit Union are eligible for membership.
Family and household
- Immediate family members (relatives by blood, marriage, or adoption) and individuals living in the same household as a current member are eligible for membership.
- A spouse of a deceased member is eligible for membership if accepted into membership prior to remarriage.
Other ways
- Any legal entity that is comprised for the most part of the same general group as the membership of the Credit Union is eligible for membership.
Branches
5 branches in Michigan
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Michigan
5 branches
Saginaw area · 2
- Main OfficeMain office6180 State St, Saginaw, MI 48603Directions
- S Washington Ave Branch1002 S Washington Ave, Saginaw, MI 48601Directions
Bay City area · 2
- Euclid Ave Branch915 S Euclid Ave, Bay City, MI 48706Directions
- Essexville Branch3015 Center Ave, Essexville, MI 48732Directions
Midland area · 1
- Midland Branch2106 N Saginaw Rd, Midland, MI 48640Directions
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 | 10.28% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.43% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.43% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $61 | $76 | — |
- CapitalNet worth ratio10.28%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.43%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.43%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 Jolt Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.