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Michigan One Community Credit Union

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Michigan One Community Credit Union Rates & Review July 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: July 16, 2026

You can compare Michigan One Community Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.25%, 6-month share certificate rates at 3.45% and 3-month share certificate rates at 0.95%. Savings rates are at 0.05% and money market rates are at 1.45%. Mortgage rates on 30-year fixed loans are around 5.66%. All these rates can be compared to Michigan One Community Credit Union rates. 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 4.45%. Rates were last updated on 07/16/2026.

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.

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.45%

Excellent Lower than avg

Michigan One Community Credit Union
Main Office

510 S Dexter St
Ionia, MI 48846

https://www.m1ccu.org

Current Rate Availability

We do not have Michigan One 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 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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.45%

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

2026 MBR Health & Safety Badge

Michigan One Community Credit Union earned the Verified Strong badge

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About Michigan One Community Credit Union

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.