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FinancialEdge Credit Union Go to main content Locations


Membership in this Credit Union shall be limited to:

  • Persons whose residence, employment, place of religious worship, or who are attending school in the counties of Arenac, Bay, Midland, or Saginaw.
  • Any person 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 the county where the credit union’s principal place of business is located.
  • Employees of this credit union.
  • Members of the immediate families of the foregoing.
  • Any legal entity that is comprised for the most part of the same general group as the membership of the credit union as outlined above.
  • A spouse of a deceased member if accepted into membership prior to remarriage.

Becoming a Member

To become a member of the Credit Union, you must complete a Membership Application and open a Share Account. The basic share deposit that you must always keep in your Share Account to retain membership is $5.00.

If you have questions or would like to become a member, please call our please call our Communications HUBB at (989) 892-6088 or (800) 610-2764 and press 5, or stop by one of our branch locations.

Mission/Vision Statement


FinancialEdge Credit Union is: committed to serving our members with products and services that promote growth and financial empowerment.



Wherever you are in life, we’re with you every step of the way!

Our History

FinancialEdge is a not-for-profit financial cooperative owned and operated by its members. Organized in 1950, FinancialEdge was first known as Bay City Municipal Federal Credit Union and later expanded through mergers and acquisition of new employer groups to become Bay Governmental Credit Union. Like many credit unions in Michigan, application was made in 2003 for a community charter allowing the credit union to serve a larger geographical area and became known as we are today: FinancialEdge Credit Union. Our purpose remains dedicated to being an integral part of members' lives and our community with innovative financial services designed to fit today's lifestyles and tomorrow's ambitions.

Our sole purpose is to assist our members in the sound management of their financial affairs. We are committed to providing high return savings and competitive sources of credit.

As a credit union member you share in the earnings through dividends paid on savings and reduced rates on loans. Each member also receives one vote, no matter how much he or she has on deposit. Elections are held each year at the Annual Meeting to fill open positions on the Board and the Credit Committee. The Supervisory Committee members are elected by the Board of Directors at a special organizational meeting.

The Board, Committees, CEO, and Staff of the credit union have responsibilities to be carried out in accordance with the credit union´s by-laws. The Board is responsible for the overall operation of the credit union. It sets policy. Staffing and the day-to-day operation of the credit union are the responsibilities of the CEO. The CEO reports to the Board regularly. The Credit Committee acts on loan requests, and the Supervisory Committee is responsible for the yearly credit union audit.

Member Benefits

FinancialEdge Credit Union offers you best in member products and services to put you ahead of the game when it comes to your finances. Besides member benefits like MyLife Free Checking, 24/7 account access via home banking and mobile appdebit cardslow rate loans and Credit Cards, you'll also enjoy great discounts from Love My Credit Union Rewards:

Everyone loves to save, especially on products and services you use every day.  That's what Love My Credit Union Rewards is all about. Members have saved nearly $2 billion in discounts from valued partners through Love My Credit Union Rewards. You can save too with valuable discounts from these partners:


View All Rewards Here


Start enjoying member benefits you never knew you had before!

Annual Report

Our 2023 Annual Report was presented at the February 6, 2024 Annual Meeting and is available to view below:

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