Consumers Credit Union first opened its’ doors back in 1953, in Michigan. Less than 10 short years later, they became incorporated, and today, there are 16 locations state wide. Membership is open to anyone who makes a $5 donation to Consumers Credit Union and maintains $5 in a savings account and once you are a member CCU has the "once a member, always a member" mentality. They are committed to serving yo not matter where you move or how your life changes.


Rank Chart
Total Assets
Number of Locations
Our Score
$9.15 Million
80+ Branches
13.64 Million
35+ Branches
$1.08 Billion
$6 Million

The Good

For those banking account holders who stop by one of the credit union locations, a hot cup of complimentary coffee awaits, along with computers for online banking log ins and free wifi, along with a kids’ play area.

Though there are only a few locations for in-person banking, ATMS are plentiful. To receive fee-free transactions, be sure to look for the co-op label. There are 16,000 co-op brand ATMS throughout the United States.

CCU has over 61,000 members and more than $615 million in assets. The top 50 credit unions have over a billion dollars in assets and hundreds of thousands of members so with CCU you are guaranteed that your voice will have more of an influence. The democratic organization of CCU allows members to elect the Board of Directors.

The Bad

The interest levels aren’t as high for low balance checking accounts in comparison of other credit unions. There isn’t any hint of mortgage rate values on their site, as customers have to plug in their specific details to learn of the rates.

Although membership is open to everyone there are only a few physical locations in Michigan which makes it great option for residents in Michigan but anyone outside of the state should probably think twice. CCU has an honest and sincere desire to serve their members wherever they go but it is doubtful they have the capabilities to serve members wherever they go.

The Bottom Line

Residents in the 11 Michigan counties should consider this credit union as a stable and reliable establishment. Lifetime membership, 30,000 fee-free ATMs and free checking are three good reasons to consider Consumers Credit Union. Whether it is a savings or checking account, or an automobile loan, Consumers has a variety of options for every client. For long term, customer-friendly service with a reliable, consistent financial institution, Consumers Credit Union is one of the best.

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