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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Route 31 Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 25, 2026
Route 31 Federal Credit Union's 12 month CD of Deposit rates are at 4.00%, 18 month CD of Deposit rates are at 3.75%, 9 month CD of Deposit rates are at 3.55%, 48 month CD of Deposit rates are at 3.50%, 6 month CD of Deposit rates are at 3.00%. Route 31 Federal Credit Union's savings rates are at 0.15%. Route 31 Federal Credit Union's money market rates are at 1.70%. MonitorBankRates evaluates the financial stability of Route 31 Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.54%. Rates were last updated on 04/25/2026. Route 31 Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Route 31 Federal Credit Union? Share your experience about Route 31 Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Route 31 Federal Credit Union. Route 31 Federal Credit Union
Terrace Main Office 715 Terrace St
https://www.route31cu.com Muskegon, MI 49440 
Route 31 Federal Credit Union CD Rates
Route 31 Federal Credit Union Savings Rates
Route 31 Federal Credit Union Money Market Rates
Route 31 Federal Credit Union Checking Rates
Route 31 Federal Credit Union Home Equity & HELOC
Route 31 Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Route 31 Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Route 31 Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Route 31 Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Route 31 Federal Credit Union
Website
https://www.route31cu.com
Address
715 Terrace St,
Muskegon, MI 49440
Phone
231-726-4871
Fax
231-722-2628
President
Charles Scott
CEO
John Rupert
Full-Time Employees
29
Part-Time Employees
4
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.54%
Return on Assets (ROA)
0.4755%
Return on Equity (ROE)
3.4761%
Non-Performing Loans Ratio (NPL)
0.52%
Total Assets
96,745,326
Total Amount of Shares and Deposits
82,394,474
Total Shares and Deposits < 1 Year
79,426,783
Total Shares and Deposits 1 3 Years
2,100,570
Total Shares and Deposits > 3 Years
867,121
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,923,233
Total Uninsured Shares and Deposits > $250K (F+J)
2,923,233
Total Insured Shares and Deposits > $250K (item 17 less item K)
79,471,241
Total Interest Expense (Sum of items 6 8)
1,206,785
Share Certificates
1,055
Number of Accounts for Share Drafts
4,116
IRA KEOGH Accounts
329
Number of Accounts for Regular Shares
12,608
All other shares
251
Money Market Shares
443
Net Income (unless the amount is already included in Undivided Earnings)
460,018
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
7,413,692
Total Liabilities
83,602,698
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Route 31 Federal Credit UnionIs Route 31 Federal Credit Union a safe place to deposit money?Yes, Route 31 Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 2.5358260494105%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Route 31 Federal Credit Union operate?Route 31 Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Route 31 Federal Credit Union?Yes, to access services at Route 31 Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Route 31 Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Route 31 Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Route 31 Federal Credit Union offer online and mobile banking?Most modern institutions like Route 31 Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.route31cu.com. Current Route 31 Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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