About Option 1 Credit Union


      In every family there are dreams to aspire to.  Here, we are centered on the financial success of our members.   As a member-owned cooperative, our guiding principal is to enhance the financial well-being of our members and the communities we serve.  We are a credit union that takes a Michigan Craft Banking approach offering personalized financial and banking solutions for any of life's adventures.

     We provide a contemporary range of financial services relevant to today’s economy.  With dreams not much different in 1936 when the credit union was founded, we provide crafted solutions for members to access and use their money according to the way they live with services such as free ONLINE banking and free Bill Pay, no-fee debit cards, MOBILE banking, Phone banking, and 24 hour Contact Center. 

     We provide affordable financial services that help members own a car, save for vacation, own a home, save for retirement, and live day-to-day...all the things that support each member's way of living.  We focus on real people and their unique lifestyles crafting solutions that fit.


     You can be a member if you live, work, worship, or attend school in the following counties: Allegan, Barry, Clinton, Eaton, Ingham, Ionia, Kent, Livingston, Newaygo, Ottawa, and Shiawassee. Our charter also allows us to serve people with disabilities who reside in Michigan and businesses who provide disability related services, as well as the employees of 500+ employer groups, unions and associations in the West Michigan and Lansing areas.

     Additionally, membership is offered to persons related by blood or marriage to a current credit union member and people who reside in the same household as a current credit union member. For-profit and non-profit businesses and associations and their employees who are affiliated with the healthcare profession in the State of Michigan are also eligible for membership.

     To apply for membership or to add services, simply click here.       


Since 1936, we have been serving communities in Michigan. Learn more about the path we’ve traveled since then.

Option 1 News

Keep up with our latest announcements and activities so you can make the most of your membership.

Fees and Disclosures

This important information outlines federal identification requirements and the fees associated with our accounts.


Routing & transit number is 272480432 

In The Community

Find out how we have been helping our neighbors and mark your calendar for the next local event.


If you’re ready to join a talented team of committed professionals, find out what Option 1 can do for your career.

Annual Meeting

The 2016 Annual Meeting was held on Monday, April 25 at the Corporate Office located at 630 32nd St. SE, Grand Rapids. 
2015 Annual Report


We operate nine offices in Michigan and we’re here to serve you when you need us. Stop by when you’re in the neighborhood.

Contact Us

Do you have a question or a comment? We’d love to hear from you in person, online or on the phone.