Credit union · NCUA insured
Safe Harbor Credit Union
A $181.7M credit union headquartered in Ludington, MI, with 8,971 members and 1 branch in Michigan. Best rates: CDs 3.65% and savings 0.75% APY.
Safe Harbor Credit Union Carrot Score
73
Carrot Score
Higher than 35% of U.S. banks and credit unions
#5 of 5 in Ludington, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Safe Harbor Credit Union
Safe Harbor Credit Union is headquartered in Ludington, Michigan.
- Headquarters
- 5511 W US Highway 10, Ludington, MI 49431-2455
- NCUA charter
- 61988
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Current residents of the State of Michigan are eligible for membership.
Employers and groups
- Employees of Safe Harbor Credit Union are eligible for membership.
- Individuals belonging to an organization whose membership is made up of individuals eligible for membership are eligible to join.
Family and household
- Immediate family members of individuals eligible for membership are eligible to join.
Cost to join
- An initial $5 deposit into a Regular Share Account is required for full member/owner status.
Branches
1 branch in Michigan
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Michigan
1 branch
- Main OfficeMain office5511 W US Highway 10, Ludington, MI 49431Directions
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 | 9.45% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 2.33% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.61% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $91 | $76 | — |
- CapitalNet worth ratio9.45%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late2.33%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.61%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$91Peers’ 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 Safe Harbor Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.