Southwest Michigan


4000 S Sprinkle Road
Kalamazoo, MI 49001
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Southwest Michigan is an NCUA insured institution located in Kalamazoo, MI. It was founded in 1940 and has approximately $65.41 millions in assets.

Southwest Michigan Federal Credit Union merged Advia Credit Union.

NCUA Insured Yes / Federally Chartered
Charter Number # # 4103
Date Established 1940
Assets $65.41 million
Loans $27.92 million
Deposits $54.78 million
Capital $10.31 million

Deposit Rates - April 19, 2021

Your Current Location: Connecticut, CT 06828

We do not yet have rates for Southwest Michigan

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Note to Southwest Michigan
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Loan Rates - April 19, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for SOUTHWEST MICHIGAN

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 1907
2.827% 2.750% 0.00 $2,500 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Test Advertiser QA
Test Advertiser QA
See Table
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

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



Below are Southwest Michigan branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Southwest Michigan Locations

Financial Details

Southwest Michigan Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Southwest Michigan. 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
Southwest Michigan U.S. Average
0.19% 5.40

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, 2020, Southwest Michigan had $19,649 in non-current loans and $0 in owned assets. To cover these potential losses it had $10,310,043 in net worth and $169,773 in loans loss reserves. That gives it a Texas Ratio of 0.19%.

Net Worth
Southwest Michigan U.S. Average
15.76% 12.67%

Southwest Michigan FCU has a net worth of 15.76% versus the BestCashCow average of 12.67. 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 Southwest Michigan

Branches and Savings

What is Southwest Michigan?

A federal credit union, registered with the NCUA under certificate #4103.
Learn more about credit unions here.

Is Southwest Michigan FDIC insured?

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

Who can join Southwest Michigan?

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

What are Southwest Michigan's share account and share certificate rates?

Southwest Michigan'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 Southwest Michigan?

Southwest Michigan has total capital of $10.31 million. Full information on Southwest Michigan's financial position is located above.

Who owns Southwest Michigan?

Credit Unions are owned by their members.

Where are Southwest Michigan branches located?

See branch locations nearby.

Are Southwest Michigan ATMs Open 24/7?

Do Southwest Michigan ATMs accept cash deposits?

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

Does Southwest Michigan have a mobile app?

Does Southwest Michigan have mobile deposit?

Does Southwest Michigan have quick pay?

How can Southwest Michigan transfer money to other banks or credit unions?

Does Southwest Michigan report to credit bureaus?

Does Southwest Michigan use Chexsystems?

Does Southwest Michigan use Equifax?

What is Southwest Michigan's toll free phone number?

What is Southwest Michigan's ACH Routing Number?

What is Southwest Michigan's SWIFT code?

Where can I find Southwest Michigan's wire transfer form?

What is the Southwest Michigan address for deposits?

What Products Does Southwest Michigan Offer

Does Southwest Michigan offer mortgages?

Compare mortgage rates here.

Does Southwest Michigan offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Southwest Michigan offer auto and RV loans?

Compare auto loan rates here.

Does Southwest Michigan offer student loans or personal loans?

Compare personal loan rates here.

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