Credit union · NCUA insured
Lake Huron Credit Union
Top CarrotA $82.5M credit union headquartered in Saginaw, MI, with 6,264 members and 3 branches in Michigan. Best rates: CDs 4.50% and savings 0.50% APY.
Lake Huron Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 96% of U.S. banks and credit unions
#3 of 22 in Saginaw, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Lake Huron Credit Union
Established in 1959 as Teamster's Local 486 Credit Union in Saginaw, Michigan, Lake Huron Credit Union operates branches in Saginaw and Bay City.
Lake Huron Credit Union is a Certified Community Development Financial Institution (CDFI) that merged with Tri County Automotive Credit Union in 1986.
- Headquarters
- 1540 Tittabawassee Rd, Saginaw, MI 48604-9445
- NCUA charter
- 61638
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This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who lives, works, worships, or attends school in Saginaw, Bay, or Midland Counties.
Employers and groups
- Membership is open to employees of auto dealerships, repair garages, and parts distributors.
- Membership is open to members of Teamsters Local 486.
- Membership is open to employees of trucking companies.
Family and household
- Membership is open to members of the immediate families and retirees of any of the qualifying groups.
Other ways
- Membership is open to any person over the age of 55 receiving retirement income who lives in or belongs to a retirement organization located in the county or a contiguous county where the credit union's main office is located.
Cost to join
- An initial deposit of $5.00 is required upon applying for membership.
Branches
3 branches in Michigan
Loading map…
Michigan
3 branches
Saginaw area · 2
- Main OfficeMain office1540 Tittabawassee Rd, Saginaw, MI 48604Directions
- Shattuck Branch5685 Shattuck Rd, Saginaw, MI 48603Directions
Bay City area · 1
- Bay City Branch314 E Midland St, Bay City, MI 48706Directions
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 | 14.80% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.25% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.92% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $95 | $59 | — |
- CapitalNet worth ratio14.80%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.25%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.92%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$95Peers’ 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 Lake Huron Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.