Last updated October 9, 2026 · ranked from 516 Google reviews · How we rank
This list ranks 7 credit unions in and around Saginaw, MI, led by Team One Credit Union, Financial Plus Credit Union and Health Advantage Federal Credit Union. Together they have 516 Google reviews; Health Advantage Federal Credit Union has the highest Google rating on the list at 4.8. Every place on the list is in Saginaw, MI. Rankings weigh Google rating, review volume, how complete and current each listing is, and our own notes on each place.
Patient help with app questions and loan details stands out in reviews of Team One Credit Union, supporting its No. 1 rank alongside a 4.6 Google rating from 213 reviews. Located at 520 Hayden St in Saginaw, MI, it offers checking, savings, loans, mortgages, credit cards, and investments. It has served Michigan residents and businesses since 1935. The branch provides onsite service and a drive-through, plus a wheelchair-accessible entrance and parking. Friday hours extend to 5:30 p.m.
Detailed loan guidance
Drive-through banking
Accessible entrance
“Kate L was amazing. She walked me through the app. She helped me figure out some solutions to my issues. She was kind courteous and stayed on the phone with me until I could figure everything out. I cannot say enough about how amazing sh…”
Quick account opening and help with car financing stand out in reviews of Financial Plus Credit Union at 1837 Bagley St in Saginaw, MI. Those experiences, alongside a 4.4 Google rating from 153 reviews, support its No. 2 rank. The Bagley Street branch offers free checking and savings accounts, auto loans, mortgages, and business services. A drive-through and wheelchair-accessible entrance add practical convenience, while 24/7 digital banking provides access beyond the branch’s Monday–Friday, 9 a.m.–5 p.m. hours.
Free checking accounts
Drive-through banking
24/7 digital banking
“Thank you to Ben Wieland for helping me open my savings & checking account superrrr fast!! Great guy!!!”
Live video teller access helps Health Advantage Federal Credit Union earn rank 3 in Saginaw, MI. At 1430 N Michigan Ave, this drive-through location uses an Interactive Teller Machine for ATM functions and conversations with employees during business hours. ATM use remains available outside those hours, and listed hours include Saturday mornings and Fridays until 6 p.m. Its 4.8 Google rating from 13 reviews adds support, with reviewers describing helpful, friendly staff, though one reports recurring ATM outages.
Live video tellers
Saturday morning hours
Drive-through service
“The ATMs weren't working today...AGAIN 🤦🏻”
Work at Health Advantage Federal Credit Union? Get your badge
Friendly, knowledgeable teller service helps Consumers Professional Credit Union earn the No. 4 spot, with two supplied reviews praising a teller’s helpfulness and welcoming manner. Its Google listing carries a 4.1 rating from 42 reviews. At 1700 Court St in Saginaw, MI, the branch offers a drive-through, wheelchair-accessible entrance and accessible parking. Weekday hours begin at 9 a.m., with closing extended to 5:30 p.m. on Fridays. It is also part of a four-location mid-Michigan network.
Drive-through available
Wheelchair-accessible entrance
Helpful teller feedback
“Addison is the best, friendliest teller ever. I always look forward to seeing her. She's very knowledgeable and always has a smile.”
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A drive-through and Friday hours until 6 p.m. add practical convenience at Family First Credit Union, ranked fifth in Saginaw, MI. Located at 1011 N Michigan Ave, this community-chartered credit union has a wheelchair-accessible entrance and parking. Its 4-star Google rating reflects 52 reviews. One reviewer praised quick help with account issues and accommodating treatment of children, while another reported inconsistent service. Membership eligibility extends across four counties and includes people who live, work, worship or attend school within those boundaries.
Drive-through service
Friday evening hours
Wheelchair-accessible entrance
“Really good and family oriented bank. Very nice, accommodating and interactive with my kids. Helped solve account issues quickly”
Helpful staff and quick visits support Frankenmuth Credit Union SVRC Branch’s No. 6 spot in Saginaw, MI. Reviewers describe polite assistance, and one reports finishing a visit within five minutes. The branch holds a 4.2-star Google rating from 10 reviews. At 203 S Washington Ave, its ITM/ATM is identified at the south entrance, with wheelchair-accessible entry and parking also listed. One reviewer notes the lack of a drive-through and difficulty finding the entrance—useful details when planning a visit.
Helpful staff
South-entrance ITM/ATM
Wheelchair-accessible parking
“First time today trying them. It was amazing 👏 never heard of them or knew they existed tell last week from coworkers 🤔. I plan on bringing my family there. To all try it. Keep up the good work my friends.”
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Long-term member loyalty and practical branch features earn Jolt Credit Union seventh place in Saginaw, MI. One reviewer reports banking with Jolt for more than a decade, while another praises knowledgeable, accommodating service and help finding solutions. At 1002 S Washington Ave, the branch offers a drive-through, wheelchair-accessible entrance and accessible parking, with weekday hours of 9 a.m. to 5 p.m. Its 3.3-star rating across 33 Google reviews reflects mixed feedback, including complaints about staff interactions, keeping those positive accounts in perspective.
Drive-through service
Wheelchair-accessible entrance
Weekday branch hours
“We’ve had all of our banking with Jolt for a decade+, and have no intention to change.”
Ratings and review counts shown are Google ratings, displayed with attribution.
How we ranked this list
Each credit union is scored on a Bayesian-weighted rating (its rating adjusted for how many reviews it has compared with the Saginaw category average), how recently we verified its details, and how complete its listing is. Scores and ranks are stored, so the order only changes when the underlying data changes.
Which credit unions in Saginaw, MI have the highest Google ratings?
Health Advantage Federal Credit Union leads the listed ratings at 4.8 from 13 reviews. Team One Credit Union at 520 Hayden St and United Financial Credit Union at 2510 Weiss St both have 4.6 ratings, with 213 and 77 reviews respectively. Financial Plus Credit Union follows at 4.4 from 153 reviews.
Where can I bank on Saturday or after 5 p.m. in Saginaw, MI?
Health Advantage’s ITM drive-through at 1430 N Michigan Ave lists Saturday hours of 9 a.m.–12:30 p.m. and Friday hours of 8 a.m.–6 p.m. Family First also closes at 6 p.m. Friday. Team One on Hayden St and Consumers Professional on Court St close at 5:30 p.m. Friday. Frankenmuth Credit Union’s SVRC Branch closes at 5:30 p.m. Monday through Friday.
Which credit union in Saginaw, MI lists free checking and digital banking?
Financial Plus Credit Union’s Bagley Street branch at 1837 Bagley St lists free checking and savings accounts plus 24/7 digital banking. It also offers auto loans, mortgages and business services. Branch hours are 9 a.m.–5 p.m. Monday through Friday.
Who is eligible to join Family First or United Financial in Saginaw, MI?
Family First accepts people who live, work, worship or attend school in Saginaw County, Bay County, Midland County or Genesee County. Its eligibility also includes relatives by blood or marriage, foster children living in a member’s household, and pension-receiving retirees age 55 or older residing in those counties. United Financial accepts anyone who lives, works, worships or attends school within any county in Michigan’s Lower Peninsula.
Where are drive-through and ITM services available in Saginaw, MI?
Drive-through service is listed at Team One on Hayden St, Financial Plus on Bagley St, Family First on N Michigan Ave, Consumers Professional on Court St, Jolt on S Washington Ave and United Financial on Weiss St. Health Advantage on N Michigan Ave is an ITM drive-through offering live video teller support during business hours and ATM use outside them. Frankenmuth Credit Union’s SVRC Branch at 203 S Washington Ave has an ITM/ATM at the south entrance.
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