Safe Harbor Credit Union

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A short history of Safe Harbor CU

Since its inception in 1952 the Safe Harbor Credit Union has been serving its members in the Ludington, 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 Adam Johnson, the Safe Harbor CU has grown its membership to over 5,032 with assets of more than $53,699,393. They have a main office and 2 branch offices. Please see the credit unions website or contact them by phone at (231) 843-2323 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Ludington, MI.

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

Charter Number 61988
Address PO Box 980 
City Ludington 
State Michigan 
Zip-Code 49431
Phone Number (231) 843-2323
Fax Number (231) 845-9685
Email Address:
CEO/President Adam Johnson
Members 5,032 
Full-Time Employees 16 
Part-Time Employees
Number of Branch Offices
Total Assets 53,699,393 

Compare Safe Harbor Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Mason County School Employees CU Mason County School Employees Credit Union 809 E Tinkham Ave 49431 (231) 843-4066 No 1.89
Filer CU Branch 1778 Kemmer Rd 49660 (231) 398-0431 No 18.35

Safe Harbor Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Safe Harbor 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 12.80 3.15 5.41 4.19 4.04
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 447 161 372 168 106
Rank Among All Michigan Credit Unions 78 45 92 40 16

Safe Harbor 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 0.20 1.06 0.99
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 143 114 164 161
Rank Among All Michigan Credit Unions N/A 19 25 30 28
Safe Harbor Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 12.800626790,543
All Other Unsecured Loans/Lines of Credit 10.6407711,107,013
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.15029546,978
Used Vehicle Loans 5.4107106,880,641
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.19029223,054,435
Total Other Real Estate Loans/Lines of Credit 4.0401433,783,278
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 5.1402362,233,244
TOTAL LOANS & LEASES 2,80738,396,132

Safe Harbor 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 644,548,652151,202,630
    b. 15 Years or less 965,190,68412865,783
    a. > 15 years 789,235,202182,140,412
    b. 15 Years or less 544,079,897141,500,212
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 0000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 1433,783,27833929,602
Open-End Fixed Rate 0000
TOTALS 43526,837,713926,638,639


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

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