Credit Unions in Saginaw, MI
7 member-owned, NCUA-insured credit unions headquartered in or near Saginaw, serving a combined 168,243 members. The largest is Wildfire. Click any credit union for its full details.
Find credit unions near you
Use your location to see the closest member-owned credit unions. We use your coordinates once to find nearby co-ops — they’re never stored.
Sorted by membership size.
Wildfire
Saginaw, MI🇺🇸
50,643 members
Credit Unions & BankingView details →Team One
SAGINAW, MI🇺🇸
46,443 members
Credit Unions & BankingView details →Jolt
SAGINAW, MI🇺🇸
27,324 members
Credit Unions & BankingView details →United Financial
Saginaw, MI🇺🇸
21,552 members
Credit Unions & BankingView details →Health Advantage
SAGINAW, MI🇺🇸
10,711 members
Credit Unions & BankingView details →Lake Huron
Saginaw, MI🇺🇸
6,244 members
Credit Unions & BankingView details →Family First
SAGINAW, MI🇺🇸
5,326 members
Credit Unions & BankingView details →This list is credit unions whose NCUA charter (headquarters) is geocoded to Saginaw: they are based in or near Saginaw. Credit unions with a branch in the city but headquartered elsewhere are listed next.
Also with a branch in Saginaw
9 more credit unions headquartered elsewhere have a branch in Saginaw, MI. Source: NCUA, Credit Union Branch Information, quarter ended June 30, 2026 (2026 Q2). Branch hours and services are not shown here; check the credit union.
Sorted by membership size.
Lake Michigan
Grand Rapids, MI🇺🇸
536,976 members
Credit Unions & BankingView details →Credit Union 1
Lombard, IL🇺🇸
172,066 members
Credit Unions & BankingView details →Elga
Grand Blanc, MI🇺🇸
117,308 members
Credit Unions & BankingView details →Dow
Midland, MI🇺🇸
83,961 members
Credit Unions & BankingView details →Financial Plus
Flint, MI🇺🇸
81,851 members
Credit Unions & BankingView details →Frankenmuth
Frankenmuth, MI🇺🇸
78,652 members
Credit Unions & BankingView details →Members First
Midland, MI🇺🇸
67,906 members
Credit Unions & BankingView details →Security
GRAND BLANC, MI🇺🇸
53,797 members
Credit Unions & BankingView details →Consumers Professional
LANSING, MI🇺🇸
7,075 members
Credit Unions & BankingView details →- Lake Michigan — branch: 5430 State St Saginaw, MI 48603
- Credit Union 1 — branch: 913 Campbell Ln Saginaw, MI 48601
- Elga — branches: 2686 McLeod Dr N Saginaw, MI 48604; 3262 Cabaret Trl S Saginaw, MI 48603-2266
- Dow — branch: 5420 Gratiot Rd Saginaw, MI 48638-6056
- Financial Plus — branches: 4686 Fashion Square Blvd Saginaw, MI 48604; 1837 Bagley St Saginaw, MI 48601-3107; 9030 Gratiot Rd Saginaw, MI 48609; 4026 Shattuck Rd Saginaw, MI 48603-3075
- Frankenmuth — branches: 2796 Erna Dr Saginaw, MI 48603; 203 S Washington Ave Saginaw, MI 48607; 5540 Dixie Hwy Saginaw, MI 48601; 7531 Gratiot Rd Saginaw, MI 48609-6912; 8400 Gratiot Rd Saginaw, MI 48609; 3360 Tittabawassee Rd Saginaw, MI 48604
- Members First — branch: 4955 Bay Rd Saginaw, MI 48604
- Security — branch: 2882 Schust Rd Saginaw, MI 48603
- Consumers Professional — branch: 1700 Court St Saginaw, MI 48602-4071
How to join a credit union in Michigan
To join one of the credit unions above, you need to fall within its field of membership — usually by living or working in Saginaw or the surrounding area, through your employer, or via an association anyone can join. Once eligible, you open a small share account (often $5) that makes you a part-owner with one vote, regardless of your balance. Deposits are insured up to $250,000 by the NCUA.
Credit unions in Saginaw — common questions
How many credit unions are in Saginaw?
7 member-owned, NCUA-insured credit unions are headquartered in or near Saginaw, Michigan, with a combined 168,243 members. The largest is Wildfire.
Are these the closest credit unions to me in Saginaw?
The first list is credit unions whose NCUA charter (headquarters) is based in or near Saginaw, geocoded to the city. The second list adds 9 more credit unions headquartered elsewhere that NCUA shows with a branch in Saginaw, as of June 30, 2026. A credit union can serve a wider area than its branches. For a true distance-sorted list from your exact location, use the "near me" finder above.
Can I join any credit union in Saginaw?
Not always. Every credit union has a "field of membership" — you typically qualify by living or working in a defined area, your employer, or an association you can join. Many community credit unions in Michigan accept anyone in the area; others are tied to a specific group. Check each credit union's eligibility before opening a share account (often as little as $5).
Credit union vs bank — which is better in Saginaw?
Banks are for-profit and owned by shareholders; credit unions are not-for-profit cooperatives owned by their members, so surplus comes back to members as higher savings rates, lower loan rates and fewer fees. The trade-off is membership eligibility and, sometimes, a smaller branch and ATM network.