Credit union · NCUA insured
West Michigan Credit Union
A $449.2M credit union headquartered in Grand Rapids, MI, with 29,196 members and 12 branches in Michigan. Best rates: CDs 3.75% and savings 0.30% APY.
West Michigan Credit Union Carrot Score
69
Carrot Score
Higher than 24% of U.S. banks and credit unions
#38 of 49 in Grand Rapids, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About West Michigan Credit Union
West Michigan Credit Union, a division of WMCU founded in 1956, is a member-owned not-for-profit financial cooperative chartered and regulated by the State of Michigan.
Originally established as West Michigan State Employees Credit Union, it now serves the greater areas of Grand Rapids, Big Rapids, Reed City, Cadillac, and Manistee.
- Headquarters
- 401 Hall St SW, Suite 288, Grand Rapids, MI 49503
- NCUA charter
- 62347
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live, work, or have their place of religious worship in specified Michigan counties are eligible for membership.
Employers and groups
- Employees and pensioners of Miller Industries, Inc., Reed City, Michigan are eligible for membership.
- Team Members of West Michigan Credit Union, A Division of WMCU are eligible for membership.
Military, government and schools
- Employees or pensioners of the State of Michigan who work or live in Leelanau County, Michigan are eligible for membership.
Family and household
- Members and immediate families of the foregoing eligible persons are eligible for membership.
- A spouse of a deceased member is eligible for membership if elected to membership prior to remarriage.
Branches
12 branches in Michigan
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Michigan
12 branches
Grand Rapids area · 7
- Coopersville1147 W Randall St, Coopersville, MI 49404Directions
- Creston1327 Plainfield Ave NE, Grand Rapids, MI 49505Directions
- Grand Rapids201 36th St SE, Grand Rapids, MI 49548Directions
- Grand Rapids1319 Front Ave NW, Grand Rapids, MI 49504Directions
- Meadowbrook4833 Town Center Dr SE, Grand Rapids, MI 49512Directions
- Georgetown2187 Port Sheldon St, Jenison, MI 49428Directions
- 28th Street911 28th Street SW, Wyoming, MI 49509Directions
Big Rapids area · 2
- Big Rapids - Drive Thru802 Division St, Big Rapids, MI 49307Directions
- Big Rapids Lobby825 Division St, Big Rapids, MI 49307Directions
Cadillac area · 1
- Cadillac215 Bell Ave, Cadillac, MI 49601Directions
Manistee area · 1
- Manistee Office316 Care Center Dr, Manistee, MI 49660Directions
Reed City area · 1
- Reed City4795 220th Avenue, Reed City, MI 49677Directions
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 | 17.32% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.92% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.12% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $55 | $76 | — |
- CapitalNet worth ratio17.32%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.92%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.12%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$55Peers’ 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 West Michigan Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.