Route 31

Route 31 Credit Union offers free e-statements via It’s Me 24/7, with faster access and online availability.

Route 31 Credit Union buys and sells foreign currency at its two locations, with exchange rates subject to change.

Individual Retirement Accounts Plan now for a comfortable retirement with an IRA that meets your needs. IRA deposits are insured up to $250,000 per individual by the NCUA. We offer IRA savings accounts or IRA CDs. IRA CDs earn more interest than the IRA savings account. IRA CDs also require a minimum $500 initial deposit […]

Business Deposit Rates Rates effective 10/1/26 Business Savings & Sub Savings Accounts Minimum $300 balance to earn dividend. Business 31 Money Market Account Minimum $2,500 balance required to earn dividend. Business 31 Checking Business 31 Certificate of Deposit Minimum $500 balance to earn dividend. Penalty for early withdrawal.

Route 31 Credit Union offers CDs with flexible contributions and has received a 5-star rating from Bauer Financial for financial strength.

Rates Loan Rates Savings Rates CD & IRA Rates

Route 31 Credit Union previously operated as Muskegon Co-op Federal Credit Union and rebranded in August 2022.

Financial Information Annual Reports 2025 Annual Report 2024 Annual Report 2023 Annual Report 2022 Annual Report 2021 Annual Report 2020 Annual Report As of September 2026 Total Assets Total Loans Number of Members Return on Assets Capital to Assets Ratio $101,743,411.64 $60,855,333.70 9,490 0.67% 13.38%

Route 31 Credit Union offers Extra Mile Checking with up to 6.00% APY on balances up to $6,000 and Hi-Yield Savings with up to 3.10% APY on balances up to $31,000.