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Who Can Join

Do you live, work, worship or attend school in any of the following counties?

  • Ionia County
  • Montcalm County
  • Gratiot County
  • Clinton County
  • Eaton County
  • Barry County
  • Kent County

If yes, then you can join Michigan One Community Credit Union. And even if you answered no, we have a few other options for becoming a Member listed below.


Why should I Be 1?

As a member You Are 1: part of a credit union that is dedicated to your financial security, your community and to offering you the products and services you need at unbeatable rates and fees. 

M1 is a member-owned credit union.  Unlike banks, as a member you actually own M1.  We’re not sure of another financial institution that would take better care of you.  You’re an owner!

We’ve been merger free since our founding in 1954. Our volunteer Board of Directors is committed to our independence because they believe members benefit from local management.

Just as importantly, we consistently pay higher deposit rates and charge lower loan rates than our peers. In addition, we offer every product and service you need such as checking, savings, money markets, home equity loans, mortgages, car loans and more. 

Other Ways to Join

It’s good to be retired
If you are age 55 or older, receive retirement income from a private or government source, and live in Ionia, Gratiot, Clinton, Eaton, Barry or Kent counties, you can join.

Relatives come in handy sometimes
If you have a relative, by blood or marriage, who is eligible to join, then you can join. By the way, your relative does not have to be a member for you to join.

Businesses and Organizations
Any business (and its employees) may join, that is located within 25 miles of Ionia or Carson City.

Equal Housing Lender National Credit Union Administration