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

IMPORTANT NOTICE

Route 31 Credit Union will be closed October 14, 2024 for Staff Training and November 11, 2024 in honor of Veteran's Day

No Closing Costs for a Home Equity Loan

Hurry! This offer ends October 31, 2024

Click Here for Details

Changes to our Visa Credit Card

Route 31 Credit Union now offers 2 types of Visa Cards. You can choose a Visa Rewards Card or a Non-Rewards Card. Effective October 1, 2024 our Visa Annual Percentage Rate (APR) will be variable and will be based on the Prime Rate. Rates will also be based on member's credit rating. A letter regarding these changes was sent out in July. All current Visa Platinum cards have been converted to the new Rewards card. If you want to switch to the Non-Rewards card for the lower interest rate, please contact the credit union.

New Options for Secure Checking

Members with an Extra Mile Checking or an Express Debit Account that have at least $600 in direct deposit will also receive .25% Bonus on CDs and .25% Rebate on Loans.

Click Here for More Details

Please Welcome Our New Employees! 

Mary S.


Mary S. has joined the credit union as a Loan Clerk. Mary has over 25 years working directly with the public in the medical field. She has a Bachelor's Degree in Criminal Justice from Ferris State University and is finishing her Master's degree in Healthcare Management from Baker College.


Please join us in welcoming Mary!

Laken R.


Laken joins us as a full-time teller at our Terrace office. She spent the last 4 years working in the non-profit sector. Laken has 10 years of customer service experience and holds a Bachelor's Degree in Business and Social Sciences from the University of North Carolina at Greensboro.


Please join us in welcoming Laken!

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 Henrietta Hadley from Infinite Solutions Consulting Group.

Save Small, Win Big!

The lucky winner of our second quarter credit union drawing for $100 for the Save to Win program was Sammie Hughes!


Congratulations, Sammie!


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 has 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

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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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