P.O. BOX 5385
Saginaw, MI 48603
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.02% 1.60% →
1-Year CD 1.01% 1.55% →
2-Year CD 1.41% 1.45% →
5-Year CD 1.92% 1.66% →
30-Year Mortgage N.A. 3.08% →
15-Year Mortgage N.A. 2.65% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Lake Huron is an NCUA insured institution located in Saginaw, MI. It was founded in 1959 and has approximately $51.39 millions in assets.

NCUA Insured Yes
Charter Number # # 61638
Date Established 1959
Assets $51.39 million
Loans $39.08 million
Deposits $44.15 million
Capital $6.04 million

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Bay, Saginaw or Midland Counties. Membership is also open to members of Teamsters local 486, employees of trucking companies, automobile dealerships, repair garages, and parts distributors, those who have a State of Michigan drivers license type C (Chauffeur) with CDL type A, B or C and live in the counties listed, anyone age 55 or over who received retirement payments and live in the listed counties or are part of a retirement organization in the listed counties.

Deposit Rates - May 30, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.02% $1,001 $5,000 Learn More
Money Market
0.20% $2,500 $20,000 Learn More
Money Market
0.30% $20,001 $50,000 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.75% $500 - Learn More
12 Mo CD
1.01% $500 $89,999 Learn More
12 Mo CD
1.01% $90,000 - Learn More
18 Mo CD
1.11% $500 $89,999 Learn More
18 Mo CD
1.11% $90,000 - Learn More
24 Mo CD
1.41% $500 $89,999 Learn More
24 Mo CD
1.41% $90,000 - Learn More
36 Mo CD
1.61% $500 $89,999 Learn More
36 Mo CD
1.61% $90,000 - Learn More
48 Mo CD
1.71% $500 $89,999 Learn More
48 Mo CD
1.71% $90,000 - Learn More
60 Mo CD
1.92% $500 $89,999 Learn More
60 Mo CD
1.92% $90,000 - Learn More
Variable IRA Rates APY MIN MAX
0.20% $1 - Learn MoreShow Less
Fixed IRA
1.01% $500 $89,999 Learn MoreShow Less

Loan Rates - May 30, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for LAKE HURON

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
Quicken Loans NMLS #3030
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More
Rocket Mortgage
NMLS ID: 3030
3.998% 3.875% 1.00 $3,750 $1,176 Learn More
NMLS ID: 2890
License#: MC-3098
2.952% 2.875% 1.00 $2,485 $1,038 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Lake Huron 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:

Lake Huron Locations

Financial Details

Lake Huron Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Lake Huron. 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
Lake Huron U.S. Average
21.58% 5.92

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 September 30, 2019, Lake Huron had $1,302,890 in non-current loans and $102,472 in owned assets. To cover these potential losses it had $6,043,412 in net worth and $467,646 in loans loss reserves. That gives it a Texas Ratio of 21.58%.

Net Worth
Lake Huron U.S. Average
11.75% 13.86%

Lake Huron FCU has a net worth of 11.75% versus the BestCashCow average of 13.86. 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 Lake Huron

Branches and Savings

What is Lake Huron?

A federal credit union, registered with the NCUA under certificate #61638.
Learn more about credit unions here.

Is Lake Huron 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 Lake Huron?

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

What are Lake Huron's share account and share certificate rates?

Lake Huron'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 Lake Huron?

Lake Huron has total capital of $6.04 million. Full information on Lake Huron's financial position is located above.

Who owns Lake Huron?

Credit Unions are owned by their members.

Where are Lake Huron branches located?

See branch locations nearby.

Are Lake Huron ATMs Open 24/7?

Do Lake Huron ATMs accept cash deposits?

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

Does Lake Huron have a mobile app?

Does Lake Huron have mobile deposit?

Does Lake Huron have quick pay?

How can Lake Huron transfer money to other banks or credit unions?

Does Lake Huron report to credit bureaus?

Does Lake Huron use Chexsystems?

Does Lake Huron use Equifax?

What is Lake Huron's toll free phone number?

What is Lake Huron's ACH Routing Number?

What is Lake Huron's SWIFT code?

Where can I find Lake Huron's wire transfer form?

What is the Lake Huron address for deposits?

What Products Does Lake Huron Offer

Does Lake Huron offer mortgages?

Compare mortgage rates here.

Does Lake Huron offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Lake Huron offer auto and RV loans?

Compare auto loan rates here.

Does Lake Huron offer student loans or personal loans?

Compare personal loan rates here.

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