Credit union · NCUA insured
Wildfire Credit Union
A $1.2B credit union, the 412th largest of 4,329, headquartered in Saginaw, MI, with 50,257 members and 7 branches in Michigan. Best rates: CDs 4.11% and savings 1.10% APY.
Wildfire Credit Union Carrot Score
82
Carrot Score
Higher than 59% of U.S. banks and credit unions
#13 of 22 in Saginaw, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Wildfire Credit Union
Wildfire Credit Union is based in Saginaw, Michigan, and operates four branches.
- Headquarters
- 6640 Bay Rd, Saginaw, MI 48604
- NCUA charter
- 60057
Branches
7 branches in Michigan
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Michigan
7 branches
Saginaw area · 3
- Wildfire Credit UnionMain office6640 Bay Rd, Saginaw, MI 48604Directions
- Heritage High School Branch (Restricted Access)3465 N Center Rd, Saginaw, MI 48603Directions
- Saginaw West Branch6673 State St, Saginaw, MI 48603Directions
Bay City area · 2
- Bay City Branch2936 Wilder Rd, Bay City, MI 48706Directions
- John Glenn High School Branch (Restricted Access)3201 Kiesel Rd, Bay City, MI 48706Directions
Midland area · 1
- Midland Branch100 Joseph Dr, Midland, MI 48642Directions
Mount Pleasant area · 1
- Mt. Pleasant Business Services Office5655 E Pickard St Ste C, Mount Pleasant, MI 48858Directions
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 | 10.95% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.60% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.60% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $68 | $88 | — |
- CapitalNet worth ratio10.95%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.60%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.60%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$68Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 Wildfire Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.