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Original office of Muskegon Co-op Federal Credit Union in 1960.

Our mission:

Route 31 Credit Union goes the extra mile to help members of our community achieve success through life’s financial twists and turns.

Find your path forward with Route 31 Credit Union

Learn More at Route31CU.com

New Saturday Hours at Both Locations

5% APY on a 12-Month Certificate


Our 12 Month Certificate of Deposit (CD) is paying 5% APY. Diamond members receive an additional .25% bonus on CDs with balances over $1500. Plus, you can add money to our CDs at any time.

View CD Rates

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We have free certified financial coaches for our members. Call to set up an appointment.

Home Buying Tips


  • Maintain or improve your credit score to get the best mortgage rate
  • Save for down payment and closing costs
  • Pay down your debts
  • Get Pre-approved


Join Us To Learn How to Protect Our Seniors

Exciting Changes Coming to Secure Checking

Please Welcome Our New Employees! 

Carolyn


Carolyn returned to us as a full-time Teller. She has 24 years of banking and credit union experience. She graduated from Muskegon Catholic Central .


Please join us in welcoming back Carolyn!

Aniyha


Aniyha joins us as a part-time teller at our Terrace office. Aniyha has 3 years' experience serving customers in a professional manner. She graduated from Muskegon High School and is pursuing an Associates degree at Muskegon Community College.


Please join us in welcoming Aniyha!

New Podcast "The Extra Mile"


Listen to our Podcast "The Extra Mile", which highlights local businesses and community leaders.


Check out our most recent interview with Bethann Egan from The USS Silversides Submarine Museum discussing the history behind this WW2 Submarine.

Save Small, Win Big!

The lucky winner of our fourth quarter credit union drawing for $100 for the Save to Win program was Ozean Moore III!


Congratulations, Ozean!


Open a Save to Win account today!

Open a Save to Win account with just $25 and for each $25 deposit you make, you will earn a chance to win monthly and quarterly prizes.


  • Route 31 Credit Union has a drawing each quarter for a $100 prize! So, 1 Route 31 Credit Union member will win each quarter.
  • The statewide drawing will continue to have monthly and quarterly prizes ranging from $25-$5000.
Click Here for More Information

MEMBER TESTIMONIALS

We appreciate when our members give us a good review on Google. If we have helped you in any way or you had a good experience with our credit union, please give us a good testimonial on Google. We strive to provide the best service to our members.


If you have an issue or did not have a good experience, please contact us directly. We want to make it right.

Give us a review on Google

Holiday Closings

Hours & Locations

Love My Credit Union Rewards

Route 31 CU | 231-726-4871 | Route31CU.com

715 Terrace Street, Suite 101, Muskegon, MI 49440

& 1920 E. Laketon, Muskegon, MI 49442

NMLS #472323

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