About Option 1 Credit Union


     In every family there are dreams to aspire to.  At Option 1 Credit Union, 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. 

     Option 1 Credit Union provides a contemporary range of financial services relevant to today’s economy.  With dreams not much different in 1936 when the credit union was founded, as today, Option 1 Credit Union provides an opportunity for members to access and use their money according to the way they live with services such as free O1 ONLINE banking and free Bill Pay, no-fee debit cards, O1 MOBILE banking, O1 TALK phone banking, and 24 hour Call Center. 

     Option 1 Credit Union provides 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.  To apply for membership or add additional services, simply click here.


Since 1936, Option 1 has been serving communities in Michigan. Learn more about the path we’ve traveled since then.

Option 1 News

Keep up with Option 1’s 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.


Option 1 Credit Union routing & transit number is 272480432 

In The Community

Find out how Option 1 has 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 2014 Annual Meeting was held Thursday, March 27, 2014. 

2013 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.