Credit union · NCUA insured
Members First Credit Union
Top CarrotA $904.1M credit union headquartered in Midland, MI, with 67,425 members and 11 branches in Michigan. Best rates: CDs 4.25% and savings 0.55% APY.
Members First Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 87% of U.S. banks and credit unions
#6 of 49 in Grand Rapids, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Members First Credit Union
Founded in 1936 by the Teachers' Club of Midland County as a cooperative, Members First Credit Union is based in Midland, Michigan.
The credit union expanded in 2012 with Clare Manufacturing Company's credit union and in 2017 with Michigan's oldest credit union.
- Headquarters
- 600 W Wackerly St, Midland, MI 48640-4702
- NCUA charter
- 62076
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This may be incomplete or out of date, so check with the credit union before you apply.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, attend school or worship within any county in the State of Michigan are eligible to join.
Family and household
- Persons in the immediate family of existing members are eligible to join.
Cost to join
- Opening a primary savings account requires a $5 minimum opening deposit to signify part ownership.
Branches
11 branches in Michigan
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Michigan
11 branches
Midland area · 2
- WackerlyMain office600 W Wackerly St, Midland, MI 48640Directions
- Dartmouth Office400 Dartmouth Dr, Midland, MI 48640Directions
Grand Rapids area · 2
- Kentwood Office4429 Breton RD SE, Grand Rapids, MI 49508Directions
- Jenison Office195 Chicago Dr, Jenison, MI 49428Directions
Mount Pleasant area · 2
- Mt. Pleasant Bluegrass4490 E Blue Grass Rd, Mount Pleasant, MI 48858Directions
- Mt Pleasant Broadway Office4976 E Broadway St, Mount Pleasant, MI 48858Directions
Clare area · 1
- Clare Office650 W 5th St, Clare, MI 48617Directions
Evart area · 1
- Evart Office201 E 7th St, Evart, MI 49631Directions
Gladwin area · 1
- Gladwin Office1291 W Cedar Ave, Gladwin, MI 48624Directions
Harrison area · 1
- Harrison Office3641 N Clare Ave, Harrison, MI 48625Directions
Saginaw area · 1
- Saginaw4955 Bay Rd, Saginaw, MI 48604Directions
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 | 9.21% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.65% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.72% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $83 | $76 | — |
- CapitalNet worth ratio9.21%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.65%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.72%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$83Peers’ 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 Members First Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.