Credit union · NCUA insured
Michigan Coastal Credit Union
A $26.1M credit union headquartered in Muskegon, MI, with 2,429 members and 2 branches in Michigan. Best rates: CDs 4.30% and savings 0.75% APY.
Michigan Coastal Credit Union Carrot Score
81
Carrot Score
Higher than 56% of U.S. banks and credit unions
#10 of 19 in Muskegon, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Michigan Coastal Credit Union
Member-owned since 1958, Michigan Coastal Credit Union operates one office in Michigan.
- Headquarters
- 1086 Creston St, Muskegon, MI 49442
- NCUA charter
- 61631
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Anyone who lives, works, or worships in Muskegon, Oceana, Newaygo, Ottawa, Kent, Allegan, Van Buren, Barry, or Kalamazoo Counties, Michigan.
Employers and groups
- Employees of Michigan Coastal Credit Union.
Family and household
- Immediate family members of eligible individuals.
- Spouse of a deceased member if elected to membership prior to remarriage.
Other ways
- Members of record of Father Marquette-Muskegon Deanery Credit Union as of the January 11, 1988 merger date.
- Organizations composed primarily of members of the eligible groups.
1 more way to join
Other ways
- Any person over the age of 55 receiving retirement payments who lives in or belongs to a retirement organization in the county (or contiguous county) where the main office is located.
Branches
2 branches in Michigan
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Michigan
2 branches
- Michigan Coastal Credit UnionMain office1086 Creston St, Muskegon, MI 49442Directions
- 5906 Commerce5906 Commerce Center Dr, Muskegon, MI 49444Directions
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 | 8.66% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 4.04% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.76% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $90 | $59 | — |
- CapitalNet worth ratio8.66%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late4.04%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.76%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$90Peers’ 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 Michigan Coastal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.