Branch History & Mission
At West Michigan, we take pride in our rich legacy that began in 1956 when our branch first opened its doors to the community in Big Rapids, MI. Over the decades, we have grown from a small credit union into a robust financial institution with a total membership of over 17,500 members. Our journey is marked by a commitment to providing exceptional service and fostering financial well-being for our community. Located at 802 Division St, Big Rapids, MI 49307, we are conveniently situated near local landmarks that make us easily accessible for all your banking needs. Whether you are stopping by for a simple transaction or exploring new financial opportunities, our dedicated team is here to help. We also maintain a mailing address at 1720 Michigan St NE, Grand Rapids, MI 49503 for official correspondence. Our mission is clear: to empower our members with the tools and resources they need to achieve their financial goals while making a positive impact in the community. We offer a range of services designed with you in mind from basic drive-thru banking and ATM services to shared branch transactions that extend our reach beyond just one location. With total assets reaching an impressive $260,454,888, we ensure that our members can rely on us for stability and growth. West Michigan embraces modern banking advancements while adhering to ADA compliance standards to ensure that all individuals have access to our services. We prioritize customer-centric initiatives by providing online banking options and mobile payments, making it easier than ever for you to manage your finances on-the-go. Community outreach is at the heart of what we do. We actively engage in partnerships and support local initiatives that uplift those around us. Our commitment extends beyond banking; we believe in building strong relationships within the communities we serve. We invite you to join West Michigan and experience the benefits of being part of a credit union that truly cares about its members. Whether you're looking for personal loans or savings options, we're here every step of the way. Visit us during our operating hours Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to noon or give us a call at 231-796-6256. Let's work together towards your financial future!
Financial Strength
At West Michigan, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to providing you with reliable services and ensuring your financial well-being. With a net worth of $53,083,778, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 20.37% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $17,333,113 in share certificates and $57,125,280 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. We also have $44,709,009 in undivided earnings, which means we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $901 in used auto loans and $106,652,674 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our $1,179,116 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. Our dedicated team consists of 58 full-time employees and 10 part-time employees. This ensures that our branches are always ready to serve you with knowledgeable support. We take pride in having a strong member base, with a total of 36,963 share accounts showing that many trust us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, West Michigan is your trusted partner. Visit us at 802 Division St Big Rapids Mi 49307 or call (231) 796-6256 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.
