Credit union · NCUA insured
Muskegon Federal Credit Union
Top CarrotA $80.9M credit union headquartered in Muskegon, MI, with 5,042 members and 3 branches in Michigan. Best rates: CDs 4.06% APY.
Muskegon Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 88% of U.S. banks and credit unions
#2 of 19 in Muskegon, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Muskegon Federal Credit Union
Muskegon Federal Credit Union is a credit union serving Muskegon, Michigan, and Muskegon County.
- Headquarters
- 65 W Laketon Ave, Muskegon, MI 49441
- NCUA charter
- 7509
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Eligibility is open to individuals who live, work, worship, or attend school in Muskegon County.
Family and household
- Eligibility is open to individuals who have an immediate family member (spouse, child, sibling, parent, grandchild, grandparents, including step or adopted children) currently a member.
Cost to join
- A membership fee is required to join, with details referenced via an external link.
- A $5 deposit establishes and maintains membership.
Branches
3 branches in Michigan
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Michigan
3 branches
Muskegon area · 2
- Corporate OfficeMain office65 W Laketon Ave, Muskegon, MI 49441Directions
- Branch1700 Holton Rd, Muskegon, MI 49445Directions
Grand Rapids area · 1
- Cuanswers6000 28th St SE, Ste 100, Grand Rapids, MI 49546Directions
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 | 10.97% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.18% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.62% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $46 | $59 | — |
- CapitalNet worth ratio10.97%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.18%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.62%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$46Peers’ 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 Muskegon Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.