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Calcite Credit Union Share
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Overview Share
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Calcite Credit Union is a federally insured state credit union based in Rogers City, Michigan. It has been opened since 1961, for 61 years.

With around $77,270,000 in assets, Calcite Credit Union is considered to be a large credit union. It has 3 branches and 3 ATM locations.

About Share
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Address 478 North Third Street
Rogers City, Michigan 49779
Website http://www.calcitecu.com
Phone (989) 734-4130
Fax (989) 734-3422
CEO Barbara J. Mills
President of the Board Anne Wirgau
Services Offered
Score Card Share
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61 years
Years in business
Opened in 1961
Well Capitalized
Net worth classification
Source: NCUA
8,684 members
Membership type: State chartered natural person credit union
Above average number of members
404:1
Credit union member to staff ratio
404 per each FTE employee
Compared to 411:1 nationally
Average number of staff
$77,266,558
Total assets
Above average
3 branches
Compared with an average of 4 nationally and 4 in Michigan
Above average number of branches
0.15%
Savings interest rate
Compared to 0.3% nationally
9.50%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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3 branches
Compared with an average of 4 nationally and 4 in Michigan
Above average number of branches
Calcite Credit Union Branch Locations

Calcite Credit Union
478 North Third Street
Rogers City, Michigan 49779
ATM Available
Calcite Credit Union
10514 Michigan Avenue
Posen, Michigan 49776
ATM Available
Calcite Credit Union
1005 S. Main Street
Cheboygan, Michigan 49721
ATM Available
Members Share
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8,684 members
Membership type: State chartered natural person credit union
Above average number of members

With 8,684 members, the Calcite Credit Union is considered to be a large credit union. It is larger than 68% of credit unions.

Fees Share
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$42
Average fee per member
The average fee per member at the Calcite Credit Union is $42, which is comparable to most credit unions. This rate is lower than 56% of all credit unions.
Fees are average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Calcite Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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404:1
Credit union member to staff ratio
404 per each FTE employee
Compared to 411:1 nationally
Average number of staff
22 staff members
FTE (full-time equivalent)
13% of employees are part-time
20 full-time, 3 part-time

Calcite Credit Union has 20 full-time staff members and 3 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 87% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Calcite Credit Union has around 404 members per staff, an average ratio compared to other credit unions. This is a somewhat well staffed credit union.

Assets Share
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$77,266,558
Total assets
Above average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
12.6%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$7,253
Average loan and lease size
Loan & lease sizes are small. They are smaller than at 76% of credit unions.

Calcite Credit Union holds a total of $40,950,000 in loans and leases, which is about $7,253 per member on average.

Savings interest rate Share
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0.15%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Calcite Credit Union pays 0.15%.

Loan rates Share
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9.50%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
8.75%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
4.60%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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3.20%
New car loan rate
Compared to 4.0% nationally
4.10%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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6.25%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
5.05%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

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Calcite Credit Union
Credit Union Branch: 478 North Third Street
Rogers City, Michigan 49779 ATM Available
Service Credit Union Routing Number
Resource: Service Credit Union Routing Number Service Credit Union is a credit union based in Portsmouth, New Hampshire. Service Credit Union’s US routing number is 211489656.
Calcite Credit Union ATM
Credit Union ATM: 10514 Michigan Avenue
Posen, Michigan 49776
Calcite Credit Union
Credit Union Branch: 10514 Michigan Avenue
Posen, Michigan 49776 ATM Available
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Calcite Credit Union
Credit Union Branch: 1005 S. Main Street
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Calcite Credit Union ATM
Credit Union ATM: 478 North Third Street
Rogers City, Michigan 49779
Calcite Credit Union
Credit Union: Well Capitalized Rogers City, Michigan 8684.0 $77 million Well Capitalized
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Calcite Credit Union ATM
Credit Union ATM: 1005 S. Main Street
Cheboygan, Michigan 49721