Credit union · NCUA insured
Michigan One Community Credit Union
A $237.9M credit union headquartered in Ionia, MI, with 18,877 members and 5 branches in Michigan. Best rates: CDs 4.05% and savings 1.25% APY.
Michigan One Community Credit Union Carrot Score
86
Carrot Score
Higher than 75% of U.S. banks and credit unions
#17 of 49 in Grand Rapids, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Michigan One Community Credit Union
Michigan One Community Credit Union is headquartered in Ionia, Michigan.
The institution maintains a statewide field of membership across the state of Michigan.
- Headquarters
- 510 S Dexter St, Ionia, MI 48846
- NCUA charter
- 62169
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This may be incomplete or out of date, so check with the credit union before you apply.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 all persons who live, work, worship, or attend school anywhere in the state of Michigan.
Branches
5 branches in Michigan
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Michigan
5 branches
Grand Rapids area · 4
- Main OfficeMain office510 S Dexter St, Ionia, MI 48846Directions
- Carson City Office122 E Main St, Carson City, MI 48811Directions
- Greenville West Office10776 W Carson City Rd, Greenville, MI 48838Directions
- South Ionia Office3081 Commerce Ln, Ionia, MI 48846Directions
Alma area · 1
- Alma Office7558 N Alger Rd, Alma, MI 48801Directions
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 | 10.18% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.68% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.09% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $84 | $76 | — |
- CapitalNet worth ratio10.18%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.68%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.09%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$84Peers’ 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 Michigan One Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.