What are the current interest rates at Baraga County Federal Credit Union?

Current rates for Baraga County Federal Credit Union include: 12-Month CD: 3.55%, 24-Month CD: 3.29%, Savings: 0.00%

☰

Home›
Credit Unions›
Baraga County Federal Credit Union

iAdvertiser Disclosure

Baraga County Federal Credit Union Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Baraga County Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 6, 2026

Baraga County Federal Credit Union's CD SPECIAL 9 month rates are at 3.62%, SPECIAL OFFER: 9 month CDs rates are at 3.62%, 12 month CDs rates are at 3.55%, 6 month CDs rates are at 3.53%, 24 month CDs rates are at 3.29%. Baraga County Federal Credit Union's savings rates are at 0.00%. MonitorBankRates evaluates the financial stability of Baraga County Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.37%. Rates were last updated on 05/06/2026.

Baraga County 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 Baraga County Federal Credit Union? Share your experience about Baraga County Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Baraga County Federal Credit Union.

Exceptional Health Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.37%

Excellent Lower than avg

Baraga County Federal Credit Union
Baraga County Federal Credit Union

101 E Broad St
Lanse, MI 49946 1013

https://baragafcu.secure.cusolutionsgroup.net/

Baraga County Federal Credit Union CD Rates

Product	Rate	APY	Term
SHARE CERTIFICATE SPECIAL 9 month	3.60%	3.62%
No additional details. Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.37%
SPECIAL OFFER: 9 month Share Certificates	3.60%	3.62%	SPECIAL OFFER: 9 months
Min Balance $1,000 Details Minimum deposit $1,000.00, Youth Under 18 Minimum $500.00; Fees may reduce earnings Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.37%
12 month Share Certificates	3.50%	3.55%	12 months
Min Balance $1,000 Details Minimum deposit $1,000.00, Youth Under 18 Minimum $500.00; Fees may reduce earnings Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.37%
6 month Share Certificates	3.50%	3.53%	6 months
Min Balance $1,000 Details Minimum deposit $1,000.00, Youth Under 18 Minimum $500.00; Fees may reduce earnings Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.37%
24 month Share Certificates	3.25%	3.29%	24 months
Min Balance $1,000 Details Minimum deposit $1,000.00, Youth Under 18 Minimum $500.00; Fees may reduce earnings Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.37%
IRA 36 Month CD	3.00%	3.03%	36
Details No Fees Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.37%
36 month Share Certificates	3.00%	3.03%	36 months
Min Balance $1,000 Details Minimum deposit $1,000.00, Youth Under 18 Minimum $500.00; Fees may reduce earnings Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.37%
48 month Share Certificates	2.75%	2.78%	48 months
Min Balance $1,000 Details Minimum deposit $1,000.00, Youth Under 18 Minimum $500.00; Fees may reduce earnings Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.37%

Baraga County Federal Credit Union Savings Rates

Product	Rate	APY
Life Savings (No longer Offered)	0.15%	0.15%
Details No Fees Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.37%
Health Savings Account	-	0.00%
No additional details. Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.37%

Baraga County Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Rate Home Equity	6.75%	-	6.85%	60 Months
Details The information below assumes a loan amount of $50,000 and no discount points paid. Baraga County Federal Credit Union will loan up to 80% of the home value minus applicable first mortgages. Assumptions also include the borrower is the existing owner with no changes in title required & the property is the primary residence. The home is a Single Family Detached located in Baraga, Houghton, Ontonagon, or Marquette County, Michigan. There is no escrow for taxes and insurance; your housing obligation may be higher. Rate lock period is 45 days. All loans require credit approval. Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.37%
Fixed Rate Home Equity	7.00%	-	7.07%	84 Months
Details The information below assumes a loan amount of $50,000 and no discount points paid. Baraga County Federal Credit Union will loan up to 80% of the home value minus applicable first mortgages. Assumptions also include the borrower is the existing owner with no changes in title required & the property is the primary residence. The home is a Single Family Detached located in Baraga, Houghton, Ontonagon, or Marquette County, Michigan. There is no escrow for taxes and insurance; your housing obligation may be higher. Rate lock period is 45 days. All loans require credit approval. Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.37%
Fixed Rate Home Equity	7.25%	-	7.30%	120 Months
Details The information below assumes a loan amount of $50,000 and no discount points paid. Baraga County Federal Credit Union will loan up to 80% of the home value minus applicable first mortgages. Assumptions also include the borrower is the existing owner with no changes in title required & the property is the primary residence. The home is a Single Family Detached located in Baraga, Houghton, Ontonagon, or Marquette County, Michigan. There is no escrow for taxes and insurance; your housing obligation may be higher. Rate lock period is 45 days. All loans require credit approval. Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.37%
Fixed Rate Home Equity	7.50%	-	7.54%	180 Months
Details The information below assumes a loan amount of $50,000 and no discount points paid. Baraga County Federal Credit Union will loan up to 80% of the home value minus applicable first mortgages. Assumptions also include the borrower is the existing owner with no changes in title required & the property is the primary residence. The home is a Single Family Detached located in Baraga, Houghton, Ontonagon, or Marquette County, Michigan. There is no escrow for taxes and insurance; your housing obligation may be higher. Rate lock period is 45 days. All loans require credit approval. Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.37%

Baraga County Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Cards - Platinum	-	12.90%
Details Earn Rewards! Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.37%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Baraga County 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 Baraga County 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 Baraga County Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Baraga County Federal Credit Union

Website https://baragafcu.secure.cusolutionsgroup.net/

Address 101 E Broad St, Lanse, MI 49946 1013

Phone 906-524-6151

Fax 906-524-5515

President CATHRYN BEER

CEO DAWN JAHFETSON

Full-Time Employees 10

Part-Time Employees 3

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.37%

Return on Assets (ROA)

0.7085%

Return on Equity (ROE)

7.1954%

Non-Performing Loans Ratio (NPL)

0.11%

Total Assets

60,455,477

Total Amount of Shares and Deposits

54,591,014

Total Shares and Deposits < 1 Year

54,505,691

Total Shares and Deposits 1 3 Years

64,135

Total Shares and Deposits > 3 Years

21,188

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,179,719

Total Uninsured Shares and Deposits > $250K (F+J)

1,179,719

Total Insured Shares and Deposits > $250K (item 17 less item K)

53,411,295

Total Interest Expense (Sum of items 6 8)

311,593

Share Certificates

423

Number of Accounts for Share Drafts

2,922

IRA KEOGH Accounts

Number of Accounts for Regular Shares

5,547

All other shares

Money Market Shares

305

Net Income (unless the amount is already included in Undivided Earnings)

218,469

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,157,889

Total Liabilities

54,988,349

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Baraga County Federal Credit Union earned the Exceptional Health badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/baraga-county-federal-credit-union-rates-review-7672">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-a-2026.svg"
       alt="MonitorBankRates Exceptional Health Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Baraga County Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Baraga County Federal Credit Union

Frequently Asked Questions About Baraga County Federal Credit Union

How many branches does Baraga County Federal Credit Union operate?

Baraga County 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 Baraga County Federal Credit Union?

Yes, to access services at Baraga County 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, Baraga County 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, Baraga County Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Baraga County Federal Credit Union offer online and mobile banking?

Most modern institutions like Baraga County 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://baragafcu.secure.cusolutionsgroup.net/.