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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.
 Michigan One Community 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 12, 2026
Michigan One Community Credit Union's savings rates are at 0.25%. Michigan One Community Credit Union's money market rates are at 1.25%. Michigan One Community Credit Union's Personal Loan Rates are at 13.75%. MonitorBankRates evaluates the financial stability of Michigan One Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.54%. Rates were last updated on 04/12/2026. Michigan One Community 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 Michigan One Community Credit Union? Share your experience about Michigan One Community Credit Union by leaving a review below, or read customer reviews before you decide to use Michigan One Community Credit Union. 
Michigan One Community Credit Union Savings Rates
Michigan One Community Credit Union Money Market Rates
Michigan One Community Credit Union Checking Rates
Michigan One Community Credit Union Home Equity & HELOC
Michigan One Community Credit Union Credit Card Rates
Michigan One Community Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Michigan One Community 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 Michigan One Community 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 Michigan One Community Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Michigan One Community Credit Union
Website
https://www.m1ccu.org
Address
510 S Dexter St,
Ionia, MI 48846
Phone
616-527-3900
Fax
616-527-4211
President
Mallory Bowerman
CEO
Hailie Patterson
Full-Time Employees
44
Part-Time Employees
12
Branch Locations
5
ATM Locations
5
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.54%
Return on Assets (ROA)
0.6808%
Return on Equity (ROE)
6.7982%
Non-Performing Loans Ratio (NPL)
0.59%
Total Assets
226,651,011
Total Amount of Shares and Deposits
199,487,831
Total Shares and Deposits < 1 Year
182,893,775
Total Shares and Deposits 1 3 Years
14,086,451
Total Shares and Deposits > 3 Years
2,507,605
Total Insured Shares and Deposits > $250K (item 17 less item K)
199,487,831
Total Interest Expense (Sum of items 6 8)
2,791,181
Share Certificates
1,958
Number of Accounts for Share Drafts
10,848
IRA KEOGH Accounts
391
Number of Accounts for Regular Shares
19,818
Money Market Shares
794
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
19,087,659
Total Liabilities
203,569,556
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Michigan One Community Credit UnionIs Michigan One Community Credit Union a safe place to deposit money?Yes, Michigan One Community Credit Union is considered a safe financial institution. With a Texas Ratio of 4.5403939616901%, 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 Michigan One Community Credit Union operate?Michigan One Community 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 Michigan One Community Credit Union?Yes, to access services at Michigan One Community 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, Michigan One Community 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, Michigan One Community Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Michigan One Community Credit Union offer online and mobile banking?Most modern institutions like Michigan One Community 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.m1ccu.org. Current Michigan One Community Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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