Bay City, MI 48708

Notable Rates APY Vs.Others
Savings 0.35% 2.20% →
1-Year CD 1.35% 2.25% →
2-Year CD 1.40% 2.30% →
5-Year CD 1.50% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Credit Union Information

Great Lakes is an NCUA insured institution located in Bay City, MI. It was founded in 1963 and has approximately $48.73 millions in assets.

NCUA Insured Yes
Charter Number # # 24874
Date Established 1963
Assets $48.73 million
Loans $23.23 million
Deposits $43.49 million
Capital $4.99 million

Deposit Rates - January 27, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.75% $10,000 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
12 Mo CD
1.35% $500 - Learn MoreShow Less
24 Mo CD
1.40% $500 - Learn MoreShow Less
36 Mo CD
1.40% $500 - Learn MoreShow Less
60 Mo CD
1.50% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
1.40% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $3,500 $9,999 Learn MoreShow Less

Loan Rates - January 27, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for GREAT LAKES

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.384% 3.375% 0.13 $285 $1,106 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

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Below are Great Lakes 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:

Great Lakes Locations

Financial Details

Great Lakes Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Great Lakes. 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.

Texas Ratio
Great Lakes U.S. Average
5.60% 5.86

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 June 30, 2019, Great Lakes had $242,235 in non-current loans and $45,900 in owned assets. To cover these potential losses it had $4,985,112 in net worth and $155,587 in loans loss reserves. That gives it a Texas Ratio of 5.60%.

Net Worth
Great Lakes U.S. Average
10.22% 13.65%

Great Lakes FCU has a net worth of 10.22% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Great Lakes

Branches and Savings

What is Great Lakes?

A federal credit union, registered with the NCUA under certificate #24874.
Learn more about credit unions here.

Is Great Lakes FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Great Lakes?

Please see Field of Membership information above for information on who is eligible to join.

What are Great Lakes's share account and share certificate rates?

Great Lakes's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Great Lakes?

Great Lakes has total capital of $4.99 million. Full information on Great Lakes's financial position is located above.

Who owns Great Lakes?

Credit Unions are owned by their members.

Where are Great Lakes branches located?

See branch locations nearby.

Are Great Lakes ATMs Open 24/7?

Do Great Lakes ATMs accept cash deposits?

Can Great Lakes customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Great Lakes have a mobile app?

Does Great Lakes have mobile deposit?

Does Great Lakes have quick pay?

How can Great Lakes transfer money to other banks or credit unions?

Does Great Lakes report to credit bureaus?

Does Great Lakes use Chexsystems?

Does Great Lakes use Equifax?

What is Great Lakes's toll free phone number?

What is Great Lakes's ACH Routing Number?

What is Great Lakes's SWIFT code?

Where can I find Great Lakes's wire transfer form?

What is the Great Lakes address for deposits?

What Products Does Great Lakes Offer

Does Great Lakes offer mortgages?

Compare mortgage rates here.

Does Great Lakes offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Great Lakes offer auto and RV loans?

Compare auto loan rates here.

Does Great Lakes offer student loans or personal loans?

Compare personal loan rates here.

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