First Area Credit Union

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First Area Credit Union logo
Routing Number
Main Phone Number
(989) 781-1430
Main Office Address
193 Campbell Ln
Saginaw, MI 48609
Main Office Hours
Sunday Hours: Closed

First Area Credit Union was chartered on 01/01/1961. Headquartered in Saginaw, MI, it has assets in the amount of $27,733,904. Its 3,889 members are served from 2 branch locations. Deposits in First Area Credit Union are insured by the NCUA.

Membership in this credit union shall consist of

a.Persons who live, work, worship, or attend school in Saginaw County, Michigan.
b.Any person over the age of 55 who receives a retirement annuity, pension, social security, or similar retirement payment from private or government sources, and lives in, or belongs to a retirement organization located in the county, or in a county contiguous to Saginaw County, Michigan.
c.Employees of this credit union.
d.Members of the immediate families of the foregoing.
e.Organizations, incorporated or otherwise, composed for the most part of the same general group making up the membership outlined above.
f.A spouse of a deceased member if elected to membership prior to remarriage.
There may be a uniform entrance fee paid on joining the credit union as determined by the board of directors.
Applications for membership from eligible persons must be approved by the affirmative vote of a majority of the board of directors.
The board of directors may appoint one (1) or more membership officers who shall be members of the credit union, other than a loan officer. A membership officer shall have the power only to approve applicants. The application of any eligible person not approved by the membership officer shall be acted upon by the board of directors.Applications for membership must be in writing on a form prescribed by the board of directors, and must be signed by the applicant. The signature of approval of the secretary, or the membership officer, and the date approved shall be appended on all applications. Where one (1) or more membership officers are authorized, each membership officer shall submit to the board of directors a monthly report containing the name and date of approval of all memberships approved. This report shall become a part of the official board of directors minutes.
A member no longer in the field of membership of this credit union shall be permitted to retain membership, or may be required to withdraw from membership, in accordance with policies established by the board of directors.
These bylaws shall be made available for inspection or copying by any member at the home office during normal business hours. A nominal charge may be made for copying the bylaws, but such charge may not exceed the cost of reproduction.
Edit Info
Charter Number
Chartered On
Jan. 1, 1961
Number of Members
Lynn McCoy
Credit Union Type
Federally Insured State-Chartered Credit Union
Field of Membership
Non-Federal Credit Union
Low-Income Designation
Member of FHLB
NCUA Insured Credit Union
Access to Electronic Services
  • Home Banking via Internet Website
  • Automatic Teller Machine (ATM)
  • Audio Response/Phone Based
Electronic Services
  • Account Balance Inquiry
  • e-Statements
  • Share Account Transfers
  • Download Account History
  • View Account History
  • Bill Payment
  • Share Draft Orders
  • Loan Payments
  • Merchandise Purchase
Credit Union Programs
  • Brokered Certificates of Deposit
Services & Products - Transactional
  • ATM/Debit Card Program
  • Money orders
  • No surcharge ATMs
  • Check Cashing
Services & Products - Depository
  • No Cost Share Drafts
  • Business Share Accounts
  • Share Certificates with low minimum balance requirement
Services & Products - Other
  • No Cost Bill Payer
  • Student Scholarship
Services & Products - Financial Education
  • Financial Counseling
Services & Products - Credit
  • Risk Based Loans
  • Business Loans
  • Indirect Consumer Loans
  • Overdraft Lines of Credit
  • Real Estate Loans

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Branches in: Michigan


16630 Gratiot Rd, Hemlock, MI 48626
Sunday Hours: Closed
Main Office Location
193 Campbell Ln, Saginaw, MI 48609
Sunday Hours: Closed