Credit union · NCUA insured
Team One Credit Union
A $767.4M credit union headquartered in Saginaw, MI, with 46,852 members and 11 branches in Michigan. Best rates: CDs 3.60% and savings 0.35% APY.
Team One Credit Union Carrot Score
76
Carrot Score
Higher than 42% of U.S. banks and credit unions
#16 of 22 in Saginaw, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Team One Credit Union
Team One Credit Union is recognized as a Juntos Avanzamos credit union serving Hispanic and Latino communities.
The credit union provides financial services across all counties in Michigan.
- Headquarters
- 520 Hayden St, Saginaw, MI 48607
- NCUA charter
- 62141
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This may be incomplete or out of date, so check with the credit union before you apply.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 reside in Lee County or Collier County, Florida.
- Eligibility is open to individuals who live, work, worship, or attend school in the state of Michigan.
Family and household
- Eligibility is open to individuals with an immediate family member who has an existing Team One membership, regardless of residence.
Cost to join
- Opening a membership requires a valid ID and a $5 deposit to open a savings account with a $5 minimum balance.
Branches
11 branches in Michigan
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Michigan
11 branches
Saginaw area · 4
- Saginaw MainMain office520 Hayden St, Saginaw, MI 48607Directions
- Saginaw Township4075 McCARTY RD, Saginaw, MI 48603Directions
- Thomas Township8450 Gratiot Rd, Saginaw, MI 48609Directions
- VA Hospital1500 Weiss St, Saginaw, MI 48602Directions
Bad Axe area · 1
- Bad Axe499 Brick St, Bad Axe, MI 48413Directions
Bay City area · 1
- Bay City401 E Midland St, Bay City, MI 48706Directions
Caro area · 1
- Caro1130 Cleaver Rd, Caro, MI 48723Directions
Flint area · 1
- Flint606 Stevens St, Flint, MI 48502Directions
Owosso area · 1
- Owosso1243 E M 21, Owosso, MI 48867Directions
Sandusky area · 1
- Sandusky625 S Sandusky Rd, Sandusky, MI 48471Directions
Traverse City area · 1
- Traverse City1202 Veterans Dr, Traverse City, MI 49684Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.88% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.64% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.78% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $75 | $76 | — |
- CapitalNet worth ratio9.88%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.64%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.78%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$75Peers’ 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 Team One Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.