Credit union · NCUA insured
Limestone FCU
A $81.1M credit union headquartered in Manistique, MI, with 4,871 members and 3 branches in Michigan. Best rates: CDs 4.10% and savings 1.30% APY.
Limestone FCU Carrot Score
83
Carrot Score
Higher than 63% of U.S. banks and credit unions
#3 of 7 in Sault Ste. Marie, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Limestone FCU
Founded in 1955 by Inland Lime & Stone Company workers, Limestone FCU was organized to provide trustworthy, affordable financial services.
The member-owned cooperative is headquartered in Manistique, Michigan, operating two branches in Schoolcraft County and one in Chippewa County.
- Headquarters
- 131 River St, Manistique, MI 49854
- NCUA charter
- 68743
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This may be incomplete or out of date, so check with the credit union before you apply.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, work, worship, or attend school in, and businesses and other legal entities located in the State of Michigan are eligible to join.
Family and household
- Members of the immediate family or household of eligible persons can join.
- Spouses of persons who died while within the field of membership of this credit union are eligible to join.
Other ways
- Employees of Limestone FCU are eligible to join.
- Organizations of eligible persons are eligible to join.
- Volunteers in the community are eligible to join.
Cost to join
- To become a member, you must deposit $5.00 in a share account at the Credit Union.
Branches
3 branches in Michigan
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Michigan
3 branches
Manistique area · 2
- Main OfficeMain office131 River St, Manistique, MI 49854Directions
- The Hub-Limestone FCU725 E Lakeshore Dr, Manistique, MI 49854Directions
Sault Ste. Marie area · 1
- The Hub @ LSSU650 W Easterday Ave, Sault Ste. Marie, MI 49783Directions
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 | 10.73% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.55% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.52% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $89 | $59 | — |
- CapitalNet worth ratio10.73%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.55%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.52%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$89Peers’ 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 Limestone FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.