Our Credit Union

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A short history of Our CU

Since its inception in 1959 the Our Credit Union has been serving its members in the ROYAL OAK, Michigan area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Tina Dix, the Our CU has grown its membership to over 22,008 with assets of more than $246,743,850. They have a main office and 4 branch offices. Please see the credit unions website or contact them by phone at (248) 549-3838 or email them at info@ourcuonline.org to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in ROYAL OAK, MI.

General Information For Our CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 62028
Address 3070 NORMANDY RD 
State Michigan 
Zip-Code 48073
Phone Number (248) 549-3838
Fax Number (248) 549-0203
Email Address: info@ourcuonline.org
CEO/President Tina Dix
Members 22,008 
Full-Time Employees 68 
Part-Time Employees 17 
Number of Branch Offices
Total Assets 246,743,850 
Website http://www.ourcuonline.org 

Compare Our Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
T&i CU T & I Credit Union 2135 W Maple Rd 48084 (248) 435-2574 No 1.45
Alliance Catholic CU Admin 26913 Northwestern Hwy 48033 (248) 663-4006 No 2.17
Birmingham-bloomfield CU Waterford 6375 Highland Rd 48327 (248) 683-2920 No 2.63
Southeast Michigan State Employees CU Southeast Michigan State Employees Federal Credit Union 17135 W 10 Mile Rd 48075 (248) 557-2266 No 4.17
Polish-american CU Troy 2889 E Maple Rd 48083 (248) 619-0440 No 4.19

Our Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Our Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 8.95 3.00 4.00 4.00 4.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 154 146 203 138 100
Rank Among All Michigan Credit Unions 23 41 53 32 15

Our Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.05 0.10 1.00 1.00
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 143 134 174 158
Rank Among All Michigan Credit Unions N/A 19 30 35 26
Our Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 8.9503,3025,392,471
All Other Unsecured Loans/Lines of Credit 8.9505,50911,486,998
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 5.9502,0834,253,376
New Vehicle Loans 3.0004378,390,760
Used Vehicle Loans 4.0004,00243,721,835
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.00057160,087,953
Total Other Real Estate Loans/Lines of Credit 4.0003204,677,940
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 5.0005736,557,794
TOTAL LOANS & LEASES 16,797144,569,127

Our Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 22022,919,792302,925,472
    b. 15 Years or less 1599,351,4944197,927
    a. > 15 years 629,008,02400
    b. 15 Years or less 12718,399,779314,800,519
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 3408,86400
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 47845,08700
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 2713,807,85300
Open-End Fixed Rate 225,00000
TOTALS 89164,765,893657,923,918


Interest Only & Payment Option 1st Mortgage Loans 51,400,7900
Interest Only & Payment Option Other RE/LOC Loans 229,7670
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Our Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans Yes
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes