Our records indicate that this credit union has been acquired by CREDIT UNION 1.
193 Campbell Ln
Saginaw, MI 48609
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First Area is an NCUA insured institution located in Saginaw, MI. It was founded in 1961 and has approximately $38.51 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 61756 |
| Date Established | 1961 |
| Assets | $38.51 million |
| Loans | $17.80 million |
| Deposits | $35.37 million |
| Capital | $4.02 million |
Your Current Location: New York, NY 10116
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.20% | $2,500 | $4,999 |
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|
|
Money Market
|
0.30% | $10,000 | $14,999 |
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|
|
Money Market
|
0.30% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 12 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
Your Current Location: New York, NY 10116
There are currently no loan rates available for First Area
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Below are First Area branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
New York City,New York
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 565.04 | A | View Lobby Hours | |
| 573.74 | B | View Lobby Hours |
FIRST AREA is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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The following ratios and data are available to help you better understand the financial condition of First Area. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
| First Area | U.S. Average |
|---|---|
| 11.37% | 6.78 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2025, First Area had $457,941 in non-current loans and $4,000 in owned assets. To cover these potential losses it had $4,020,880 in net worth and $42,564 in loans loss reserves. That gives it a Texas Ratio of 11.37%.
| First Area | U.S. Average |
|---|---|
| 10.44% | 14.48% |
First Area FCU has a net worth of 10.44% versus the BestCashCow average of 14.48. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
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Last Update on October 2, 2026
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