Credit union · NCUA insured
OUR Credit Union
A $369.8M credit union headquartered in Royal Oak, MI, with 23,532 members and 5 branches in Michigan. Best rates: CDs 4.08% and savings 0.05% APY.
OUR Credit Union Carrot Score
84
Carrot Score
Higher than 65% of U.S. banks and credit unions
#33 of 75 in Detroit, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About OUR Credit Union
Headquartered in Royal Oak, Michigan, OUR Credit Union is a member-owned cooperative originally chartered in 1959 to serve the savings and loan needs of the St. Dennis Parish community.
The credit union became Royal Oak Community Credit Union in 1984, began operating as OUR Credit Union in 2007, and now serves the entire State of Michigan.
- Headquarters
- 3070 Normandy Rd, Royal Oak, MI 48073
- NCUA charter
- 62028
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This may be incomplete or out of date, so check with the credit union before you apply.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, worships, or attends school in Michigan is eligible to join.
Employers and groups
- Legal entities comprised mostly of the membership group are eligible.
Family and household
- Immediate family members of eligible individuals are eligible to join.
- Spouses of deceased members are eligible if accepted into membership prior to remarriage.
Other ways
- Persons receiving retirement payments who live in or belong to a retirement organization in the principal place of business county or contiguous county are eligible.
Cost to join
- Members are required to maintain a $5 share deposit in a Savings Account.
Branches
5 branches in Michigan
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Michigan
5 branches
- Normandy OfficeMain office3070 Normandy Rd, Royal Oak, MI 48073Directions
- Washington Office726 S Washington Ave, Royal Oak, MI 48067Directions
- Shelby Township Office54870 Mound Rd, Shelby Township, MI 48316Directions
- Rochester Rd6693 Rochester Rd, Troy, MI 48085Directions
- 12 Mile Road Office5625 E 12 Mile Rd, Warren, MI 48092Directions
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 | 9.98% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.48% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.65% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $69 | $76 | — |
- CapitalNet worth ratio9.98%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.48%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.65%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$69Peers’ 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 OUR Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.