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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.

We decided to change our name to give us a fresh new look and create a name that better reflects the community and members we serve.

Our name will change and our signs will change, but we will still be the same great community financial institution you trust, providing the service you love. We have 73 years of serving our members and our community along the lakeshore, and we will continue to provide exceptional member service and great rates.

Please Join Us For Our


Date: August 15, 2022

715 Terrace St, Ste 101, Muskegon, MI 49440 | 12pm – 2pm
1920 E Laketon Ave, Muskegon, MI 49442 | 3pm – 5pm

$310 Gift Card Giveaway! Keep an eye out for a postcard detailing our new changes in the mail and bring it to this event for a chance to win!
Special Offers (August 15-19 only): 1% off Consumer Loan Rates* and 3.1% APY CD Special – 90-Day Term and 180-Day Term!

*New $ only, Minimum $500 loan, excludes Visa credit card, Home Equity and Mortgage.


Please see these Frequently Asked Questions for more answers or call (231) 726-4871.

We decided to change our name to give us a fresh new look and create a name that better reflected the community and members that we serve. The existing name is too long. Route 31 Credit Union is simple and more memorable.

The effective date for the name change to Route 31 Credit Union is Monday, August 15, 2022. Follow the credit union Facebook and Instagram pages or our website for updates.

No, the credit union is still owned and operated by our members, still employs the same talented people, and is still committed to bringing the best member service to our community. We are the same credit union that was established in 1949, but we just have a new name and fresh brand.

No, your member number(s) and routing number will remain the same.

No, all direct deposits, payroll deductions, automatic drafts and other ACH services are transmitted using the credit union’s routing number and your account number. Since these numbers are not changing, your payments will not be affected in any way.

The phone numbers will stay the same, but our email addresses will now end with “@route31cu.com”. Emails sent to our old email addresses will be temporarily forwarded to our new email addresses. The new website address is www.route31cu.com. If you visit the old website address, it will temporarily re-direct you to the new Route 31 CU website.

Your login information for the mobile app and It’sMe247 will not change.

If you use a Bill Pay service outside of Route 31’s online Bill Pay and you have payments sent to us, you may have to update our name in their system. Also, be sure that you are sending payments to our new address at 715 Terrace St., Ste. 101, Muskegon, MI 49440.

Yes, you can continue to use your Muskegon Co-op checks and deposit slips. When you order new checks, they will be updated with our new name and logo.

Your ATM, Debit and Credit cards will continue to work as normal until the expiration date. When your card expires and comes up for review after August 15, 2022, or needs to be replaced for any reason, you will be given a new Route 31 Credit Union card.

If your loan was done more recently, it will most likely change on your credit report to our new name, Route 31 Credit Union. This change may not happen right away. However, if the loan is older or has been paid off, it will show as Muskegon Co-op Federal Credit Union. The credit union changing names will not affect your credit score.

No, the credit union will continue to provide competitive rates on loans and deposits and minimize our fees. We recently reduced and removed fees because we are in a good financial position to do so and help benefit our members. Rates and fees do fluctuate, but they are due to changes in market conditions.

There will be little to no impact on the member. All accounts will continue to work as normal and will have the same account numbers and you will continue to have the same access to all our products and services.

If you are using the credit union mobile app no action is necessary if your phone is set to automatically update apps. If you are not set up for automatic updates, go into your app store to update the app. Once updated you will see the new logo and colors.

If you send your loan payment to the credit union via check, you will need to make checks payable to Route 31 Credit Union.

Not Already a Member?

Route 31 Transition Graphic_FINAL_drkbkd

Phone: (231) 726-4871

Routing Transit Number: 272483170

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Muskegon Co-Op Equal Housing Opportunity Equal Housing Lender

Copyright © 2022 Muskegon Co-op Federal Credit Union
715 Terrace St, Ste 101, Muskegon, MI 49440
1920 E Laketon Ave, Muskegon, MI 49442

 Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

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