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West Michigan Credit Union

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West Michigan Credit Union Rates & Review April 2026

Q: Is a member application needed to join West Michigan Credit Union?

Yes, to access services at West Michigan 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, West Michigan 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 24, 2026

You can compare West Michigan Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.95%, 6-month share certificate rates at 4.00% and 3-month share certificate rates at 0.20%. Savings rates are at 0.20% and money market rates are at 0.25%. Mortgage rates on 30-year fixed loans are around 6.05%. All these rates can be compared to West Michigan Credit Union rates. MonitorBankRates evaluates the financial stability of West Michigan Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.19%. Rates were last updated on 04/24/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.19%

Excellent Lower than avg

West Michigan Credit Union
Corporate Administrative Offices

1720 Michigan St NE
Grand Rapids, MI 49503

https://www.westmichigancu.com

Current Rate Availability

We do not have West Michigan 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 West Michigan 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 West Michigan 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 West Michigan Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name West Michigan Credit Union

Website https://www.westmichigancu.com

Address 1720 Michigan St NE, Grand Rapids, MI 49503

Phone 616-451-4567

Fax 616-635-2318

President Brent Nevins

CEO Joseph Heintskill

Full-Time Employees 101

Part-Time Employees 18

Branch Locations 13

ATM Locations 11

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

4.19%

Return on Assets (ROA)

0.8182%

Return on Equity (ROE)

4.7515%

Non-Performing Loans Ratio (NPL)

1.44%

Total Assets

437,444,529

Total Amount of Shares and Deposits

357,346,238

Total Shares and Deposits < 1 Year

346,237,266

Total Shares and Deposits 1 3 Years

9,631,496

Total Shares and Deposits > 3 Years

1,477,477

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

10,484,385

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

10,484,385

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

346,861,853

Total Interest Expense (Sum of items 6 8)

1,396,561

Share Certificates

2,577

Number of Accounts for Share Drafts

20,352

IRA KEOGH Accounts

855

Number of Accounts for Regular Shares

32,869

All other shares

8,544

Money Market Shares

1,712

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

3,579,117

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

40,947,077

Total Liabilities

361,040,534

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About West Michigan Credit Union

Is West Michigan Credit Union a safe place to deposit money?

Yes, West Michigan Credit Union is considered a safe financial institution. With a Texas Ratio of 4.1852260612386%, 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 West Michigan Credit Union operate?

West Michigan 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 West Michigan Credit Union?

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

Does West Michigan Credit Union offer online and mobile banking?

Most modern institutions like West Michigan 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.westmichigancu.com.