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 FinancialEdge Community Credit Union Rates & Review September 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.
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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 and Verified: September 22, 2026
FinancialEdge Community Credit Union's 15 Month CD rates are at 3.51%, 37 Month CD Special rates are at 3.40%, 25 Month CD Special rates are at 3.35%, 13 Month CD Special rates are at 3.25%, 60 Month CD rates are at 3.00%. FinancialEdge Community Credit Union's savings rates are at 0.02%. FinancialEdge Community Credit Union's 10-Year Balloon Mortgage rates are at 5.75%, Business Conventional First Mortgage - 10-Years rates are at 5.88%, Business Conventional First Mortgage - 15-Years rates are at 6.00%, Business Conventional First Mortgage - 30-Years rates are at 6.99%. FinancialEdge Community Credit Union's Personal Loan Rates are as low as 10.50%. FinancialEdge Community Credit Union's Credit Card Rates are at 8.90%. MonitorBankRates evaluates the financial stability of FinancialEdge Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.25%. Rates last updated and verified on 09/22/2026. FinancialEdge 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 FinancialEdge Community Credit Union? Share your experience about FinancialEdge Community Credit Union by leaving a review below, or read customer reviews before you decide to use FinancialEdge Community Credit Union. FinancialEdge Community Credit Union
Euclid Office 1199 S Euclid Ave
https://www.financialedgeccu.org Bay City, MI 48706 
FinancialEdge Community Credit Union CD Rates
FinancialEdge Community Credit Union Savings Rates
FinancialEdge Community Credit Union Checking Rates
FinancialEdge Community Credit Union Mortgage Rates
FinancialEdge Community Credit Union Home Equity & HELOC
FinancialEdge Community Credit Union Credit Card Rates
FinancialEdge Community Credit Union Personal Loan Rates
FinancialEdge Community Credit Union Other Rates
Financial Health HistoryFinancialEdge Community Credit Union’s Texas Ratio rose from 1.56% in Q2 2023 to 3.25% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for FinancialEdge 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 FinancialEdge 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 FinancialEdge Community Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
FinancialEdge Community Credit Union
Website
https://www.financialedgeccu.org
Address
1199 S Euclid Ave,
Bay City, MI 48706
Phone
989-892-6088
Fax
989-460-3194
President
Norma Felker
CEO
Jeremy Coberley
Full-Time Employees
30
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+ (98/100)
Texas Ratio
3.25%
Return on Assets (ROA)
0.1664%
Return on Equity (ROE)
1.3529%
Non-Performing Loans Ratio (NPL)
0.72%
Total Assets
144,815,338
Total Amount of Shares and Deposits
125,844,691
Total Shares and Deposits < 1 Year
123,812,948
Total Shares and Deposits 1 3 Years
2,017,515
Total Shares and Deposits > 3 Years
14,228
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,379,195
Total Uninsured Shares and Deposits > $250K (F+J)
7,379,195
Total Insured Shares and Deposits > $250K (item 17 less item K)
118,465,496
Total Interest Expense (Sum of items 6 8)
363,379
Share Certificates
512
Number of Accounts for Share Drafts
6,403
IRA KEOGH Accounts
299
Number of Accounts for Regular Shares
10,319
All other shares
1,408
Money Market Shares
412
Net Income (unless the amount is already included in Undivided Earnings)
240,912
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
21,142,358
Total Liabilities
127,069,911
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for FinancialEdge Community 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.
Add Your Rating and Review for FinancialEdge Community Credit Union
Frequently Asked Questions About FinancialEdge Community Credit UnionHow many branches does FinancialEdge Community Credit Union operate?FinancialEdge 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 FinancialEdge Community Credit Union?Yes, to access services at FinancialEdge 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, FinancialEdge 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, FinancialEdge Community Credit Union provides members with tools to manage their accounts and build a solid financial history. Does FinancialEdge Community Credit Union offer online and mobile banking?Most modern institutions like FinancialEdge 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.financialedgeccu.org. Current FinancialEdge Community Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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