Delta County Credit Union
Embers Credit Union is a not-for-profit, NCUA-insured cooperative founded in 1954 serving 32,000+ members across Michigan's Upper Peninsula with $450M+ in deposits, offering consumer banking, lending, and small business services through branches and digital channels.
- Company typePrivate
- Founded1954
- HeadquartersMarquette, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Delta County Credit Union does
Embers Credit Union, identified in the firmographics record as Delta County Credit Union, is a not-for-profit, member-owned financial cooperative headquartered at 1001 W Baraga Ave, Marquette, Michigan. Founded in 1954, it has served the Upper Peninsula of Michigan for 70+ years, growing to 32,000+ members, $450M+ in trusted deposits, 130+ team members, and a portfolio including 2,500+ mortgages, 4,000+ auto loans, 3,000+ recreational loans, and lending relationships with 400+ local businesses. The institution is federally insured by the NCUA (NMLS #401812) and operates under a cooperative governance model with a member-elected board.
The product portfolio is organized across three pillars: personal Accounts (Rewards Checking, Savings Accounts, Certificates, Financial Coaching, Financial Planning); Loans (Credit Card with 2% gas / 1% other cash back, Auto Loans, Personal Loans, Recreational Loans for ATVs/toys, Home Loans at a limited-time 5.95% rate); and Business services (Business Lending, Business Accounts, Treasury Management). Distribution is multi-channel, combining physical branches and ATMs across the UP, a digital banking platform at my.embers.org with online enrollment and self-serve account opening, scheduled appointments via 'Meet with Us', phone banking (906.228.7080), and a Quick Pay integration through Bacon Pay for bill pay and transfers.
Revenue mechanics rely on net interest income from lending across consumer and small business segments, deposit interest expense, fee-based income (account maintenance, transaction fees, service charges), and credit card interchange. Marketing emphasizes community engagement through Facebook, TikTok, YouTube, and Instagram (@emberscu), an email newsletter, an Embers News blog, and online financial calculators. No funding rounds, M&A activity, or external investment have been disclosed; capital formation is driven entirely by retained earnings and member deposits.
Delta County Credit Union firmographics
Firmographics- Name
- Delta County Credit Union
- Legal name
- Embers Credit Union
- Website
- https://deltacountycu.com
- Company type
- Private
- Founded year
- 1954
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Embers Credit Union is a not-for-profit, NCUA-insured cooperative founded in 1954 serving 32,000+ members across Michigan's Upper Peninsula with $450M+ in deposits, offering consumer banking, lending, and small business services through branches and digital channels.
- Ownership category
- akta.pro rank
Delta County Credit Union industry classification
Industry- Product category
- Retail Banking
- NAICS
- Credit Unions (52213), Credit Unions (522130)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)
- akta.pro secondary industry
- Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)
Keywords
Where Delta County Credit Union is headquartered
LocationHeadquarters
- HQ city
- Marquette
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Delta County Credit Union business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Interest Income from Lending: Primary revenue from interest earned on mortgage loans, auto loans, personal loans, recreational loans (ATVs, toys), credit cards, and business lending. Mortgages currently offered at 5.95% limited-time rate (APR starts at 6.082% for 30-year term).
- Deposit Interest: Interest paid to members on savings accounts, certificates, and rewards checking accounts
- Fee-Based Income: Various banking fees including account maintenance, transaction fees, and service charges
- Credit Card Revenue: Interchange fees and interest from credit card transactions. Cards offer 2% cash back on gas, 1% on everything else with no confusing point system.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | 30-Year Mortgage Rate |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels7 records
Delta County Credit Union product offering
Product offeringCore offering
Delta County Credit Union is a not-for-profit, member-owned financial cooperative offering full-service personal and small business banking. Core products include Rewards Checking accounts, Savings Accounts, Certificates, Credit Cards with cash back rewards, Auto Loans, Personal Loans, Recreational Loans (ATVs and toys), Home Loans/Mortgages, and Business Lending, Business Accounts, and Treasury Management services. Distribution occurs through branch and ATM locations across Michigan's Upper Peninsula, online and mobile banking platforms, scheduled appointments, and phone banking.
Product overview
Embers Credit Union is a financial services institution offering a unified portfolio of banking products organized across three core categories: personal Accounts (Rewards Checking, Savings Accounts, Certificates, Financial Coaching, Financial Planning), Loans (Credit Cards, Auto Loans, Personal Loans, Recreational Loans, Home Loans), and Business services (Business Lending, Business Accounts, Treasury Management). The credit union serves over 32,000 members in Michigan's Upper Peninsula with more than $450 million in trusted deposits and has been operating for over 70 years.
Differentiator
Problem solved
Functional benefit
Products and services
- Rewards Checking Checking account product with reward features designed for personal banking members, positioned as the everyday banking solution.
- Savings Accounts Personal savings account offerings for members to deposit and grow funds.
- Certificates Certificate of deposit products for term-based savings with fixed rates.
- Credit Card Credit card offering 2% unlimited cash back on gas purchases and 1% on all other purchases with no confusing point system.
- Auto Loans Financing options for purchasing vehicles, with over 4,000 autos currently financed by the credit union.
- Personal Loans Unsecured personal loan products for various member financial needs.
- Recreational Loans Financing for recreational vehicles and toys including ATVs, with over 3,000 recreational vehicles/toys currently financed by the credit union.
- Home Loans Mortgage and home financing products including purchase and refinancing options, offered under NMLS# 401812 with a limited-time 5.95% rate special available.
- Business Lending Commercial lending services for business financing needs, supporting over 400 Upper Peninsula businesses.
- Business Accounts Checking and savings accounts designed for business customers.
- Treasury Management Cash management and treasury services for business operations.
Quantifiable outcome
- 450M+ in trusted deposits from members
- +2 more outcomes
Companies that use Delta County Credit Union
Customer profileNamed customers2 records
Segments2 records
Ideal customer profiles2 records
Delta County Credit Union technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Delta County Credit Union partnerships and signals
Strategic signalScale indicators8 records
Recent moves5 records
Expansion highlights5 records
Delta County Credit Union competitors and assessment
Company assessmentDirect peers
- Members Credit Union (or similar small Michigan CU): Small-to-mid-sized Michigan credit union with comparable deposit size, member-focused model, and similar product breadth across personal and business banking.
- Honor Credit Union: Michigan-based community credit union with similar size, member-owned structure, and full personal/business product set; competes in overlapping Michigan markets.
- Wildfire Credit Union: Community credit union serving northern Lower and Upper Peninsula Michigan with analogous deposit, lending, and digital banking offerings.
- First Northern Credit Union: Community credit union serving northern Michigan with comparable checking, savings, lending, and digital banking offerings targeted at similar consumer and small business segments.
- Peninsula Federal Credit Union: Michigan-based community credit union with similar member-owned structure and personal/business banking focus; representative peer for the broader Michigan CU competitive set.
Emerging players
- Ally Bank: Digital-first national bank with no Michigan branch footprint, but competes for deposit and consumer lending relationships from UP residents; relevant competitor for digital delivery.
Regional players
- Lake Michigan Credit Union: Michigan-based credit union with a much larger footprint and asset base; competes for personal and business banking members across Michigan, including the Upper Peninsula region Embers serves.
- Traverse City State Bank (or similar UP/NW Michigan community bank): Northern Michigan community bank offering similar personal and business banking products; competes with Embers in the broader northern Michigan region.
Broad incumbents
- Huntington Bank (Huntington National Bank): Large regional bank with significant Michigan retail presence; competes with Embers for deposits, mortgages, and small business banking across the state.
- Michigan State University Federal Credit Union: Large Michigan-headquartered credit union offering full personal and business banking products; broader geographic reach and scale than Embers but overlapping product categories.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Delta County Credit Union social profiles
Digital presenceDelta County Credit Union compliance and trust
Trust signalCompliance3 records
Delta County Credit Union financial estimates
Financial estimateRevenue estimate
Valuation estimate
Delta County Credit Union leadership team
Management profileNumber of profiles
Delta County Credit Union funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Delta County Credit Union M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Delta County Credit Union
What does Delta County Credit Union do?
Delta County Credit Union is a not-for-profit, member-owned financial cooperative offering full-service personal and small business banking. Core products include Rewards Checking accounts, Savings Accounts, Certificates, Credit Cards with cash back rewards, Auto Loans, Personal Loans, Recreational Loans (ATVs and toys), Home Loans/Mortgages, and Business Lending, Business Accounts, and Treasury Management services. Distribution occurs through branch and ATM locations across Michigan's Upper Peninsula, online and mobile banking platforms, scheduled appointments, and phone banking.
Is Delta County Credit Union a public or private company?
Delta County Credit Union is a private company. It is classified as management employee owned and is currently operating.
When was Delta County Credit Union founded?
Delta County Credit Union was founded in 1954. It employs 1 to 10 people.
Where is Delta County Credit Union based?
Delta County Credit Union is headquartered in Marquette, United States, in the North America region.
How does Delta County Credit Union make money?
Four revenue lines are on record. Interest Income from Lending is the primary driver. The others are deposit Interest, fee-Based Income and credit Card Revenue.
Who are Delta County Credit Union's main competitors?
Direct peers on record are Members Credit Union (or similar small Michigan CU), Honor Credit Union, Wildfire Credit Union, First Northern Credit Union and Peninsula Federal Credit Union. Ally Bank is listed as an emerging player. Regional players are Lake Michigan Credit Union and Traverse City State Bank (or similar UP/NW Michigan community bank). Broad incumbents are Huntington Bank (Huntington National Bank) and Michigan State University Federal Credit Union.
Does Delta County Credit Union have an API?
No public API is recorded for Delta County Credit Union.
What industry is Delta County Credit Union in?
Delta County Credit Union's product category is Retail Banking. Its primary akta.pro industry code is FSABAEAA, Community Credit Unions (Retail/Consumer Focus), with a secondary code of FSABAEAF, Cooperative Banks (Member-Owned Commercial/Retail). Its NAICS code is 52213 and its SIC code is 6141.