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FinancialEdge Community Credit Union

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FinancialEdge Community Credit Union Rates & Review April 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 23, 2026

You can compare FinancialEdge Community Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 1.92%, 6-month share certificate rates at 3.46% and 3-month share certificate rates at 1.00%. Savings rates are at 0.25% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 5.76%. All these rates can be compared to FinancialEdge Community Credit Union rates. 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 3.97%. Rates were last updated on 04/23/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.97%

Excellent Lower than avg

FinancialEdge Community Credit Union
Euclid Office

1199 S Euclid Ave
Bay City, MI 48706

https://www.financialedgeccu.org

Current Rate Availability

We do not have FinancialEdge Community Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates 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 31

Part-Time Employees 3

Branch Locations 2

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+ (98/100)

Texas Ratio

3.97%

Return on Assets (ROA)

0.7993%

Return on Equity (ROE)

6.2529%

Non-Performing Loans Ratio (NPL)

0.82%

Total Assets

136,223,177

Total Amount of Shares and Deposits

117,883,839

Total Shares and Deposits < 1 Year

115,366,398

Total Shares and Deposits 1 3 Years

2,280,674

Total Shares and Deposits > 3 Years

236,767

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

5,268,216

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

5,268,216

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

112,615,623

Total Interest Expense (Sum of items 6 8)

1,078,328

Share Certificates

529

Number of Accounts for Share Drafts

6,308

IRA KEOGH Accounts

295

Number of Accounts for Regular Shares

10,253

All other shares

1,415

Money Market Shares

409

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

1,088,872

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

18,150,440

Total Liabilities

118,946,475

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews

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Frequently Asked Questions About FinancialEdge Community Credit Union

Is FinancialEdge Community Credit Union a safe place to deposit money?

Yes, FinancialEdge Community Credit Union is considered a safe financial institution. With a Texas Ratio of 3.9731015295975%, 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 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.