Effective August 15, 2022 Muskegon Co-op FCU

changed our name to Route 31 Credit Union!

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

6% APY for Secure Checking!

Now Open to Northern Counties

Route 31 Credit Union has expanded our community all the way up to the Leelanau Peninsula. We now serve the following 17 counties: Muskegon, Ottawa, Oceana, Newaygo, Antrim, Benzie, Gratiot, Kalkaska, Lake, Leelanau, Manistee, Mason, Mecosta, Missaukee, Montcalm, Osceola, Wexford. 

For More Information on Eligibility to Join, Click This Link


We appreciate when our members give us a good review on Google or Facebook. 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 or Facebook. 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.

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Apply for a Visa Today!

  • Receive 2000 Free Scorecard Points
  • Earn a Chance to win a Gardening Gift Basket

Hurry! Offer ends May 31.

Get to Know Our New Employees! 


Nick joins us as a Business Development Manager at our Main Terrace location. Nick has nearly 10 years experience in a variety of Sales and Financial Services including being a Finance Manager, General Manager, and a Licensed Loan Originator. His heart lies in the passion of helping people reach their life goals. Nick has an Associates degree from Grand Rapids Community College and is currently finishing his Bachelor’s in Integrative Studies with a minor in Psychology at Grand Valley State University.

Please join us in welcoming Nick!


Monica joins us as an Adjustor and Contact Center Representative at our Main Terrace location. Monica has over 15 years in general office duties including accounts payable/accounts receivable, collections and auditing. She has worked in the financial, service and retail industries. 

Please join us in welcoming Monica!

Important Changes to

Save to Win Program

Effective April 1st the Save to Win program made some new changes. These changes include:

  • Limit on number of entries increased from 10/mth to 100/mth (each $25 deposit still earns 1 entry in the drawing, so deposits of $2500 will earn 100 entries in the drawing).
  • $25 early withdrawal fee is no longer required (normal CD early withdrawal penalties still apply)
  • The statewide drawing will continue to have monthly and quarterly prizes.
  • The Credit Union drawing will change from a $25 monthly drawing to a $100 quarterly drawing.

Recent Winners! - 

Erika Perez-Ellis, David Goranson, Janet Anderson

Click Here for More Information

Debt Protection for Your Loan

Scholarship Winners for 2023

This year's recipients of our $500 Scholarships are:

  • Lauren Cornell
  • Jonathan Williams
  • Zyaire Gray-Colvard
  • Brylee Borgman

Congratulations! We received many excellent applicants.

National Credit Union Youth Month

The lucky winners of our drawing for Youth Month were:

Congratulations to the winners!

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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