MonitorBankRates
☰
Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results
  1. Home›
  2. Credit Unions›
  3. West Michigan Credit Union
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

West Michigan Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
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.
Read Full Bio →
| iEditorial Disclosure
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: October 9, 2026

West Michigan Credit Union's top rates as of October 9, 2026 are 3.75% APY on its 6 month CD Special, 0.10% APY on savings, 0.10% APY on money market accounts, 0.25% APY on checking, personal loans from 11.25% APR, and credit cards from 11.00% APR, according to rates verified by MonitorBankRates. Other West Michigan Credit Union CD rates include 12 Month CD Special at 3.50%, 36 Month CD at 2.02%, and 24 Month CD at 1.76%. 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 2.34%. Rates last updated and verified on 10/09/2026.

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.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.34%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
West Michigan Credit Union
Hall Street
401 Hall St SW
Grand Rapids, MI 49503
https://www.westmichigancu.com
Member NCUA
Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

West Michigan Credit Union CD Rates

Product Rate APY Term View More
6 month CD Special 3.69% 3.75% 6 months
Min Deposit $500
Details Limited time offer. Rates subject to change. A penalty may be imposed for early withdrawal.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.69% → 3.75% ▲ 0.06 pts · high 3.75% / low 3.69%
3.19%3.72%4.25%Sep 14, 2026: 3.69% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.75%▲ from 3.69%
  • Sep 14, 20263.69%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
12 Month CD Special - 3.50% 12 Month
Min Deposit $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
36 Month CD - 2.02% 36 Month
Min Deposit $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 5 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
24 Month CD - 1.76% 24 Month
Min Deposit $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 5 times
1.26%1.76%2.26%Sep 14, 2026: 1.76% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
30 Month CD - 1.76% 30 Month
Min Deposit $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 5 times
1.26%1.76%2.26%Sep 14, 2026: 1.76% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
60 Month CD - 1.31% 60 Month
Min Deposit $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.31% APY · checked 5 times
0.81%1.31%1.81%Sep 14, 2026: 1.31% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
12 Month CD - 1.26% 12 Month
Min Deposit $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 5 times
0.76%1.26%1.76%Sep 14, 2026: 1.26% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
15 Month CD - 1.26% 15 Month
Min Deposit $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 5 times
0.76%1.26%1.76%Sep 14, 2026: 1.26% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
18 Month CD - 1.26% 18 Month
Min Deposit $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 5 times
0.76%1.26%1.76%Sep 14, 2026: 1.26% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
48 Month CD - 1.16% 48 Month
Min Deposit $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.16% APY · checked 5 times
0.66%1.16%1.66%Sep 14, 2026: 1.16% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
9 Month CD - 1.00% 9 Month
Min Deposit $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
3 Month CD - 0.55% 3 Month
Min Deposit $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 5 times
0.05%0.55%1.05%Sep 14, 2026: 0.55% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%

West Michigan Credit Union Savings Rates

Product Rate APY View More
Christmas Club - 0.10%
Min Balance $1
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
Nest Egg Savings - 0.10%
Min Balance $1
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
Share Savings - 0.10%
Min Balance $5
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%

West Michigan Credit Union Money Market Rates

Product Rate APY View More
Money Market - 0.10%
Min Balance $2,500
Details Published APY range: 0.10% - 1.00%.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
Success Money Market - 0.10%
Min Balance $50,000
Details Published APY range: 0.10% - 2.00%.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%

West Michigan Credit Union Checking Rates

Product Rate APY View More
Select Checking - 0.10%
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%

West Michigan Credit Union Business Checking Rates

Product Rate APY View More
Business Interest Checking 0.25% 0.25%
Min Balance $100,000
Details Balance: $100,000
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 18, 2026: 0.25% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
Business Interest Checking 0.20% 0.20%
Min Balance $10,000
Details Balance: $10,000-$99,999
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 4 times
0.00%0.35%0.70%Sep 18, 2026: 0.20% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
Business Interest Checking 0.10% 0.10%
Min Balance $0
Details Balance: $0-$999
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 4 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%

West Michigan Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loan - - 5.75% 60 Months
Details As Low As; 1st Lien
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 6 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
Home Equity Loan - - 5.99% 120 Months
Details As Low As; 1st Lien
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 6 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
Home Equity Loans - - 6.00% 60 month
Details Payment per $1,000 borrowed at 6.00% APR is $19.34/ 60 month term. Rate based on term and credit worthiness. Must qualify for membership. Contact the loan department for details. Member should consult a tax adviser for further information on tax deductibility.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 6.00% / low 5.75%
5.25%5.88%6.50%Sep 14, 2026: 5.75% APROct 9, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20266.00%▲ from 5.75%
  • Sep 14, 20265.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
Home Equity Loan - - 6.25% 180 Months
Details As Low As; 1st Lien
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 6 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
Home Equity Loan - - 6.75% 60 Months
Details As Low As; 2nd Lien
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 6 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
Home Equity Loan - - 6.99% 120 Months
Details As Low As; 2nd Lien
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 6 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
Home Equity Loan - - 7.25% 180 Months
Details As Low As; 2nd Lien
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 6 times
6.75%7.25%7.75%Sep 14, 2026: 7.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%

West Michigan Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Vehicle Loan (2024 and Newer Autos) - - 5.24% 36 Months
Details As Low As
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 14, 2026: 4.99% APRSep 18, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20265.24%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
Vehicle Loan (2024 and Newer Autos) - - 5.74% 48 Months
Details As Low As
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49%
4.99%5.62%6.24%Sep 14, 2026: 5.49% APRSep 18, 2026: 5.74% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20265.74%▲ from 5.49%
  • Sep 14, 20265.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
Vehicle Loan (2024 and Newer Autos) - - 5.94% 60 Months
Details As Low As
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 5.94% APR · checked 4 times
5.44%5.94%6.44%Sep 18, 2026: 5.94% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
Vehicle Loan (2024 and Newer Autos) - - 5.94% 72 Months
Details As Low As
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 5.94% APR · checked 4 times
5.44%5.94%6.44%Sep 18, 2026: 5.94% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
Vehicle Loan (2024 and Newer Autos) - - 6.24% 84 Months
Details As Low As
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99%
5.49%6.12%6.74%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20266.24%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
Used Autos - - 7.34% Up to 84 Months
Details As Low As; Year: 2021 - 2023
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.09% → 7.34% ▲ 0.25 pts · high 7.34% / low 7.09%
6.59%7.22%7.84%Sep 14, 2026: 7.09% APRSep 18, 2026: 7.34% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20267.34%▲ from 7.09%
  • Sep 14, 20267.09%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
Used Autos - - 7.44% Up to 72 Months
Details As Low As; Year: 2019 - 2020
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.19% → 7.44% ▲ 0.25 pts · high 7.44% / low 7.19%
6.69%7.32%7.94%Sep 14, 2026: 7.19% APRSep 18, 2026: 7.44% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20267.44%▲ from 7.19%
  • Sep 14, 20267.19%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
Used Autos - - 7.54% Up to 60 Months
Details As Low As; Year: 2017 - 2018
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.29% → 7.54% ▲ 0.25 pts · high 7.54% / low 7.29%
6.79%7.41%8.04%Sep 14, 2026: 7.29% APRSep 18, 2026: 7.54% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20267.54%▲ from 7.29%
  • Sep 14, 20267.29%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
Used Autos - - 8.24% Up to 48 Months
Details As Low As; Year: 2016 & Older
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.99% → 8.24% ▲ 0.25 pts · high 8.24% / low 7.99%
7.49%8.12%8.74%Sep 14, 2026: 7.99% APRSep 18, 2026: 8.24% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20268.24%▲ from 7.99%
  • Sep 14, 20267.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%

West Michigan Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Motorcycles & Side By Sides Loan - 7.69% 60 Months
Details As Low As
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.69% APR · checked 5 times
7.19%7.69%8.19%Sep 14, 2026: 7.69% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
Recreational Vehicles Loan - 7.69% 60 Months
Details Rates as low as
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.69% APR · checked 5 times
7.19%7.69%8.19%Sep 14, 2026: 7.69% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
Motorcycles & Side By Sides Loan - 7.99% 61 - 72 Months
Details As Low As
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 5 times
7.49%7.99%8.49%Sep 14, 2026: 7.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
Recreational Vehicles Loan - 7.99% 61 - 84 Months
Details Rates as low as
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 5 times
7.49%7.99%8.49%Sep 14, 2026: 7.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
Recreational Vehicles Loan - 8.19% 85 - 120 Months
Details Rates as low as
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 8.19% APR · checked 5 times
7.69%8.19%8.69%Sep 14, 2026: 8.19% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
Motorcycles & Side By Sides Loan - 8.49% 73 - 84 Months
Details As Low As
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 5 times
7.99%8.49%8.99%Sep 14, 2026: 8.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
Recreational Vehicles Loan - 8.69% 121 - 144 Months
Details Rates as low as
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 8.69% APR · checked 5 times
8.19%8.69%9.19%Sep 14, 2026: 8.69% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
Recreational Vehicles Loan - 9.19% 145 - 180 Months
Details Rates as low as
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 9.19% APR · checked 5 times
8.69%9.19%9.69%Sep 14, 2026: 9.19% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%

West Michigan Credit Union Credit Card Rates

Product Rate APR View More
Better Reward credit card - 11.00%
Details Rates as low as 11.00% APR (Annual Percentage Rate). Credit is subject to approval. Rate is subject to change and may vary based on creditworthiness. Must qualify for membership. Participants can earn 1% (.01) cash reward up to $200 per month by using the West Michigan Credit Union Better Reward credit card to make purchases. Cash rewards will be calculated at the end of each billing cycle by multiplying your purchases by 1% (.01). Cash rewards will be credited to your credit card account within your next billing cycle and rounded to the nearest cent. Full terms and conditions will be sent with your Better Reward credit card. You, as the member, are responsible for reading the Better Reward Terms and Conditions. West Michigan Credit Union may amend the terms and conditions at any time without notice.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 19.99% → 11.00% ▼ 8.99 pts · high 19.99% / low 11.00%
2.01%15.50%28.98%Sep 14, 2026: 19.99% APRSep 18, 2026: 11.00% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 202611.00%▼ from 19.99%
  • Sep 14, 202619.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
Better Reward credit card - 12.00%
Details Rates as low as 12.00% APR (Annual Percentage Rate). Credit is subject to approval. Rate subject to change and may vary based on creditworthiness. Must qualify for membership.
Last Updated 10/09/2026
Rate History
2 changes since Sep 14, 2026 · 19.99% → 12.00% ▼ 7.99 pts · high 19.99% / low 11.00%
2.01%15.50%28.98%Sep 14, 2026: 19.99% APRSep 18, 2026: 11.00% APRSep 22, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
  • Sep 22, 202612.00%▲ from 11.00%
  • Sep 18, 202611.00%▼ from 19.99%
  • Sep 14, 202619.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
Credit Card - 12.00%
Details Regular APR: Rate subject to change and may vary based on creditworthiness. Must qualify for membership.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 4 times
11.50%12.00%12.50%Sep 14, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
Better Reward credit card - 19.99%
Details Intro/promo APR: 11.00%; Intro rate expires: N/A; Regular APR: 19.99% - 29.99%. Participants can earn 1% (.01) cash reward up to $200 per month by using the West Michigan Credit Union Better Reward credit card to make purchases. Cash rewards will be calculated at the end of each billing cycle by multiplying your purchases by 1% (.01). Cash rewards will be credited to your credit card account within your next billing cycle and rounded to the nearest cent. Full terms and conditions will be sent with your Better Reward credit card. You, as the member, are responsible for reading the Better Reward Terms and Conditions. West Michigan Credit Union may amend the terms and conditions at any time without notice.
Last Updated 10/09/2026
Rate History
3 changes since Sep 14, 2026 · 19.99% → 19.99% ▼ 0.00 pts · high 19.99% / low 11.00%
2.01%15.50%28.98%Sep 14, 2026: 19.99% APRSep 18, 2026: 11.00% APRSep 22, 2026: 12.00% APRSep 29, 2026: 19.99% APRSep 14, 2026Oct 13, 2026
  • Sep 29, 202619.99%▲ from 12.00%
  • Sep 22, 202612.00%▲ from 11.00%
  • Sep 18, 202611.00%▼ from 19.99%
  • Sep 14, 202619.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%

West Michigan Credit Union Personal Loan Rates

Product APR Term View More
Unsecured Loans 11.25% 12 - 60 Months
Details As Low As*
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 11.25% APR · checked 5 times
10.75%11.25%11.75%Sep 14, 2026: 11.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
Unsecured Loans 13.00% Open-Ended
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 13.00% APR · checked 5 times
12.50%13.00%13.50%Sep 14, 2026: 13.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%

West Michigan Credit Union Other Rates

Product Rate Points APY/APR Term View More
Better Rate Loan - - 11.00%
Details As Low As; *Rates subject to change without notice.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 11.00% APR · checked 5 times
10.50%11.00%11.50%Sep 14, 2026: 11.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
Better Reward Loan - - 12.00%
Details As Low As; *Rates subject to change without notice.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 5 times
11.50%12.00%12.50%Sep 14, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
OPE Loan - - 15.00% Open-Ended
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 15.00% APR · checked 5 times
14.50%15.00%15.50%Sep 14, 2026: 15.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
Revolving Line of Credit - - 13.00% Open-Ended
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 13.00% APR · checked 5 times
12.50%13.00%13.50%Sep 14, 2026: 13.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
Vacant Land Loans - - 8.375% 180 Months
Last Updated 10/09/2026
Rate History
No change since Sep 22, 2026 · 8.38% APR · checked 4 times
7.88%8.38%8.88%Sep 22, 2026: 8.38% APRSep 22, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.34%
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.
Powered by MonitorBankRates

Financial Health History

West Michigan Credit Union’s Texas Ratio rose from 1.15% in Q3 2023 to 2.34% in Q2 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.

0% 1.0★ 1.6% 2.0★ 3.1% 3.0★ 4.7% 4.0★ 6.2% 5.0★ Healthy zone – entire history below the 15% limit 1.15% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 2.34% A+ Q2 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$455M2.34%5.0A+
March 31, 2026$449M2.99%5.0A+
December 31, 2025$442M4.18%5.0A+
September 30, 2025$437M4.07%5.0A+
June 30, 2025$448M4.60%5.0A+
March 31, 2025$260M0.60%5.0A+
December 31, 2024$252M1.29%5.0A+
September 30, 2024$251M0.87%5.0A+
June 30, 2024$256M0.93%5.0A+
March 31, 2024$258M0.70%5.0A+
December 31, 2023$254M1.25%5.0A+
September 30, 2023$260M1.15%5.0A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 401 Hall St SW, Grand Rapids, MI 49503
Phone 616-452-2161
Fax
President Roxanne Speck
CEO Joseph Heintskill
Full-Time Employees 113
Part-Time Employees 10
Branch Locations 12
ATM Locations 10
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.34%
Return on Assets (ROA)
0.5540%
Return on Equity (ROE)
3.1990%
Non-Performing Loans Ratio (NPL)
0.92%
Total Assets
455,349,662
Total Amount of Shares and Deposits
373,316,840
Total Shares and Deposits < 1 Year
367,543,778
Total Shares and Deposits 1 3 Years
4,996,327
Total Shares and Deposits > 3 Years
776,736
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
11,976,629
Total Uninsured Shares and Deposits > $250K (F+J)
11,976,629
Total Insured Shares and Deposits > $250K (item 17 less item K)
361,340,211
Total Interest Expense (Sum of items 6 8)
1,173,863
Share Certificates
3,006
Number of Accounts for Share Drafts
20,065
IRA KEOGH Accounts
753
Number of Accounts for Regular Shares
31,537
All other shares
8,625
Money Market Shares
1,700
Net Income (unless the amount is already included in Undivided Earnings)
2,522,762
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)
34,847,196
Total Liabilities
377,212,026
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

West Michigan Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/west-michigan-credit-union-rates-review-62347">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 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 West Michigan 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
0
Add Your Rating and Review for West Michigan Credit Union
Your Name:
Your Rating:

Frequently Asked Questions About West Michigan Credit Union

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.

Current West Michigan Credit Union Rates

  • 12-Month CD1.26%
  • 18-Month CD1.26%
  • 24-Month CD1.76%
  • 60-Month CD1.31%
  • Savings0.10%
  • MMA0.10%
Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Directions Credit Union SRI Employees Federal Credit Union Travis County Credit Union Beaumont Community Credit Union PSE Federal Credit Union Omaha Douglas Federal Credit Union Lanier Federal Credit Union All In Credit Union TEXOMA EDUCATORS Redlands City Employees Federal Credit Union Toro Employees Federal Credit Union Local 606 Electrical Workers Federal Credit Union Holy Rosary Credit Union Kansas City, MO TOWN OF HEMPSTEAD EMPLOYEES Awakon Federal Credit Union New Century Federal Credit Union ih Credit Union Area Community Credit Union Greenstate Credit Union Green River Area Federal Credit Union Aurora Firefighters Credit Union