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Open an Account Today!


You are eligible to become a member of Route 31 Credit Union if you meet the following qualifications:

  • If you live, worship, work in, or attend school in any of the following 17 counties; Muskegon, Ottawa, Oceana, Newaygo, Antrim, Benzie, Gratiot, Kalkaska, Lake, Leelanau, Manistee, Mason, Mecosta, Missaukee, Montcalm, Osceola, or Wexford. 
  • If you have an Immediate Family Member* or Household Member** that is currently a member.
  • If you are a spouse of persons who died within the field of membership of this credit union.
  • If you volunteer in any of the counties listed above.
  • If you are an employee of Route 31 Credit Union.
  • If you are a business or legal entity located in the rural district of any of the counties listed above.

To verify eligibility, please contact us at 231-726-4871 or visit our Terrace Street or Laketon Avenue office.

*For membership purposes, “immediate family member” is defined as spouse, child, sibling, parent, grandparent, grandchild, great grandparent, aunt, uncle, niece, or nephew. This definition also includes “step” and adoptive relationships.

**For membership purposes, “household” is defined as persons living in the same residence maintaining a single economic unit. In other words, cohabitants.

What to bring

When opening a new membership, we will need your social security number, a current driver’s license or state issued ID, the name and social security number of anyone that you want listed as a joint owner or beneficiary on the account, and $5 deposit to activate the account.


Our Refer-A-Friend program pays you for referring your friends and family to Route 31 Credit Union. If you refer a new member and they finance a loan with us, you will each receive $20. Ask an associate for details!