My Personal Credit Union

Rated star_ratedstar_ratedstar_ratedstar_normalstar_normal by Credit Guide
Review based on 12 criteria Rating: 3 out of 5

1414 Burton Sw, Wyoming, MI 49509

Website

(616) 452-2161

Data Source: NCUA, December 31, 2016


My Personal Credit Union was founded in 1951. Headquartered in Wyoming, Michigan, My Personal Credit Union is a state chartered and federally insured credit union, being chartered in Michigan and insured through the National Credit Union Share Insurance Fund (NCUSIF). My Personal Credit Union is also a member of the Federal Home Loan Bank (FHLB), which allows a credit union to access low cost secured borrowings or advances and prlides its members with financial products and services that assist and enhance the financing of housing and community lending.

As of December 31, 2016, My Personal Credit Union services 13,183 members through its 5 offices and branches and 38 full-time and 5 part-time employees. It has $127,842,823 of total assets and $11,430,566 of net worth. Based on its asset size and net worth ratio, My Personal Credit Union is classified as a Well Capitalized medium large credit union.

My Personal Credit Union offers a number of deposit and loan products to its members. To find out how competitive the offers are, please go to the Interest Rates page. My Personal Credit Union also provides an array of services to its members and local communities. To find out more, please go to the Services page.

The following two tables list the deplitory and loan interest rates of My Personal Credit Union’s popular offerings. You can find out how competitive the offerings are by comparing them to the median interest rates offered by credit unions in Michigan and in the nation.

Major Deplitory Accounts and Interest Rates (%)

Interest Rate
Median of Michigan
Median of USA
Checking
0.1000
0.0000
0.0000
Savings
0.2000
0.1000
0.1200
Money Market
0.1500
0.2500
0.2500
Certificate Deplit
0.4500
0.6000
0.5800
IRA
0.1000
0.5000
0.5000

Major Loan Accounts and Interest Rates (%)

Interest Rate
Median Rates of Michigan
National Median Rates
Credit Cards
9.9000
9.9600
9.9900
Unsecured Line of Credits
12.0000
11.0000
10.9500
Short-term Small Amount
n/a
18.0000
25.0000
Student Loans
5.8500
6.2300
6.0200
New Car Loans
4.8200
2.9900
3.3300
Used Car Loans
6.5100
3.9900
4.5000
1st Mortgage Real Estates
5.0000
4.2500
4.2500
Other Real Estates
5.0000
4.5000
4.7000

My Personal Credit Union prlides a number of ways to access its services. In addition to its office and branches, a member can perform banking through Internet, phones, ATMs, and mobile devices. The table below lists the electronic banking services prlided by My Personal Credit Union.

Electronic Banking Service Offerings

Membership Application
No
Yes
Share Account Transfers
Yes
New Loan Application
No
Share Draft Orders
Yes
Yes
New Share Account
No
Bill Payment
Yes
Yes
e-Statements
Yes
Loan Payments
Yes
No
Account Balance Inquiry
Yes
Yes
No
View Account History
Yes
Yes

As a community financial institution, My Personal Credit Union actively involves in local communities by prliding services such as financial counseling, financial education, financial literacy workshops, and first tim home buyer programs.

Community and other Service Offerings

Financial Counselling
Yes
Bilingual Services
No
Free Bill Pay
Yes
Financial Education
Yes
In-School Branches
No
Free Tax Preparation Service
No
Financial Literacy Workshops
Yes
Student Scholarships
Yes
Insurance/Investment Sales
Yes
First Time Homebuyer Program
No
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Wyoming
Main Office

1414 Burton St Sw
Wyoming, MI 49509
Phone:616-452-2161

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  1. Credit Guide Staff
    Credit Guide Staff

    Last Updated on May 30, 2017

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