Question 1

What is Rock Community Credit Union?

Accepted Answer

Rock Community Credit Union is a small, community-focused federal credit union serving members in Rock, Michigan, located in the Upper Peninsula. With approximately $8.5 million in assets and 851 members as of Q3 2025, the credit union provides personalized financial services to residents of this rural community.

As a member of the Michigan Credit Union League's Upper Peninsula Chapter, Rock Community Credit Union emphasizes local service and maintaining close relationships with its members. The credit union operates with a community charter, focusing on serving the specific needs of Upper Peninsula residents.

Question 2

When was Rock Community Credit Union founded?

Accepted Answer

[Information not publicly available]

Question 3

Where is Rock Community Credit Union headquartered?

Accepted Answer

Rock Community Credit Union is headquartered in Rock, Michigan, a small community in Delta County in Michigan's Upper Peninsula. The credit union's mailing address is P.O. Box 200, Rock, MI 49880.

Question 4

Where does Rock Community Credit Union operate?

Accepted Answer

Rock Community Credit Union primarily serves the Rock, Michigan area and surrounding communities in Delta County in Michigan's Upper Peninsula. As a federal credit union with a community charter, membership is typically available to individuals who live, work, worship, or attend school within the credit union's designated service area in the Upper Peninsula region.

Question 5

What services does Rock Community Credit Union offer?

Accepted Answer

Rock Community Credit Union offers essential banking services tailored to its small community, including:

Deposit Accounts: Share (savings) accounts and checking accounts for everyday banking needs.

Lending Services: Consumer loans including personal loans and vehicle financing. The credit union reported approximately $3.1 million in total loans as of Q3 2025.

Digital Banking: Online banking access through their website at www.rockcommfcu.com, allowing members to manage their accounts remotely.

As a smaller credit union, services are designed to meet the fundamental financial needs of Upper Peninsula residents with a personal touch.

Question 6

What makes Rock Community Credit Union unique?

Accepted Answer

Rock Community Credit Union stands out for its deep commitment to serving a rural Upper Peninsula community. With just 851 members, the credit union maintains an intimate, personalized banking environment where members know the staff and receive individualized attention.

The credit union demonstrates strong loan growth, with a 13.08% increase in total loans over four quarters, significantly outpacing typical industry trends. This indicates active community lending and support for member financial needs.

Despite its small size, Rock Community Credit Union maintains healthy financial metrics with a net worth ratio of 8.85% and a return on average assets of 0.70%. As a member of the MCUL Upper Peninsula Chapter, the credit union collaborates with other regional credit unions to serve the unique needs of Upper Peninsula residents.

Question 7

What type of financial institution is Rock Community Credit Union?

Accepted Answer

Rock Community Credit Union is a federal credit union chartered and regulated by the National Credit Union Administration (NCUA). The credit union holds charter number 21020 and operates under NCUA Region 1.

As a not-for-profit cooperative financial institution, Rock Community Credit Union is owned by its members. Each member has an equal vote in credit union governance, regardless of account balance. This cooperative structure ensures that the credit union's primary focus remains on serving member needs rather than generating profits for external shareholders.

Federal credit union membership typically requires meeting specific eligibility criteria, such as living, working, worshiping, or attending school within the credit union's designated community field of membership in the Upper Peninsula region.

Rock Community Credit Union

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About Rock Community Credit Union in the United States