The 8 Best Credit Unions in Royal Oak, MI

Last updated October 10, 2026 · ranked from 1,449 Google reviews · How we rank

This guide brings together credit unions located entirely within Royal Oak, MI, with Google ratings ranging from 3.8 to 4.9 stars and review counts ranging from 26 to 592. Community Choice Credit Union leads the list with 4.9 stars from 592 reviews, the highest rating and largest review count among these entries. Genisys Credit Union ranks second with 4.4 stars from 255 reviews, followed by OUR Credit Union with 4.7 stars from 30 reviews. Vibe Credit Union holds fourth place with 4.5 stars from 29 reviews. Michigan Educational Credit Union and Michigan First Credit Union (Inside Kroger) round out the list, all within Royal Oak, MI.

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Top picks at a glance

1Community Choice Credit UnionCommunity Choice Credit Union holds a 4.9 Google rating across 592 reviews, listed on Google as credit union.
2Genisys Credit UnionGenisys Credit Union holds a 4.4 Google rating across 255 reviews, listed on Google as credit union.
3OUR Credit UnionAt 726 S Washington Ave, members have a walk-up ATM, self-serve coin machine and night drop box, plus Saturday hours from 9 a.m.

1
Community Choice Credit Union
4.9(592)· Google4.9 out of 5 from 592 reviews (Google rating)
Credit union
Own this business? Claim itOpen now · closes 1:00 PM
Community Choice Credit Union holds a 4.9 Google rating across 592 reviews, listed on Google as credit union.
- Saturday morning hours
- Personal and business banking
- Wheelchair-accessible entrance
“I love this branch. They are always extra nice and kind. I wanna give an extra shout out to Josephina Who went out of her way to help me even though there was an extra long line. There’s also an African-American lady that’s always in the…”
— Elite Therapeutics, 2026-09-01 · google
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2
Genisys Credit Union
4.4(255)· Google4.4 out of 5 from 255 reviews (Google rating)
Credit union
Own this business? Claim itOpen now · closes 1:00 PM
Genisys Credit Union holds a 4.4 Google rating across 255 reviews, listed on Google as credit union.
- Drive-through service
- Saturday morning hours
- Auto loan options
“I was in search of a better auto finance loan rate and Genisys had the options I was looking for. Their team member Shakhari Jones made the process super easy! Really enjoyed working with her!”
— Stephanie Boyd, 2026-09-14 · google
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3
OUR Credit Union
4.7(30)· Google4.7 out of 5 from 30 reviews (Google rating)
Credit union
Own this business? Claim itOpen now · closes 1:00 PM
At 726 S Washington Ave, members have a walk-up ATM, self-serve coin machine and night drop box, plus Saturday hours from 9 a.m. to 1 p.m. Its Google rating is 4.7 from 30 reviews. One longtime member describes getting help finding a co-op after moving out of state; another calls the account-opening service polite and thorough. The credit union has served its community since 1959.
- Shared branching
- Saturday morning hours
- Walk-up ATM
“Been a member since the beginning. When I had to move out of state for awhile, they guided me to a co-op there so I could keep my account. Everyone here is helpful, knowledgeable and friendly. I will never leave.”
— Terri Russell, 2026-08-02 · google
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4
Credit Union ONE
4.1(468)· Google4.1 out of 5 from 468 reviews (Google rating)
Credit union · Ferndale · 2.2 mi
Own this business? Claim itClosed today
Credit Union ONE holds a 4.1 Google rating across 468 reviews, listed on Google as credit union.
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5
Vibe Credit Union
4.5(29)· Google4.5 out of 5 from 29 reviews (Google rating)
Credit union
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Vibe Credit Union holds a 4.5 Google rating across 29 reviews, listed on Google as credit union.
- Online account opening
- Friday evening hours
- Wheelchair-accessible entrance
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6
Michigan Educational Credit Union - Royal Oak
3.9(40)· Google3.9 out of 5 from 40 reviews (Google rating)
Credit union
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Michigan Educational Credit Union - Royal Oak holds a 3.9 Google rating across 40 reviews, listed on Google as credit union.
- Broader community membership
- Drive-through banking
- Weekday branch hours
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7
Michigan First Credit Union (Inside Kroger)
3.8(26)· Google3.8 out of 5 from 26 reviews (Google rating)
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Michigan First Credit Union (Inside Kroger) holds a 3.8 Google rating across 26 reviews, listed on Google as credit union.
- Inside Kroger
- Weekday evening hours
- Wheelchair-accessible entrance
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8
CUSG
2.8(9)· Google2.8 out of 5 from 9 reviews (Google rating)
Credit union
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CUSG holds a 2.8 Google rating across 9 reviews, listed on Google as credit union.
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Map of every pick

Compare at a glance

Comparison of the best credit unions in Royal Oak, MI
#	Place	Google rating	Price	Google reviews	Neighborhood	Phone	Open now
1	Community Choice Credit Union	4.9(592)4.9 out of 5 from 592 reviews (Google rating)	—	592	—	+1877-243-2528	Open
2	Genisys Credit Union	4.4(255)4.4 out of 5 from 255 reviews (Google rating)	—	255	—	+1248-268-1557	Open
3	OUR Credit Union	4.7(30)4.7 out of 5 from 30 reviews (Google rating)	—	30	—	+1248-549-3838	Open
4	Credit Union ONE	4.1(468)4.1 out of 5 from 468 reviews (Google rating)	—	468	Ferndale · 2.2 mi	+1800-451-4292	Closed
5	Vibe Credit Union	4.5(29)4.5 out of 5 from 29 reviews (Google rating)	—	29	—	+1248-735-9500	Closed
6	Michigan Educational Credit Union - Royal Oak	3.9(40)3.9 out of 5 from 40 reviews (Google rating)	—	40	—	+1734-455-9200	Closed
7	Michigan First Credit Union (Inside Kroger)	3.8(26)3.8 out of 5 from 26 reviews (Google rating)	—	26	—	+1800-664-3828	—
8	CUSG	2.8(9)2.8 out of 5 from 9 reviews (Google rating)	—	9	—	+1800-262-6285	Closed

Ratings and review counts shown are Google ratings, displayed with attribution.

How we ranked this list

Each credit union is scored on a Bayesian-weighted rating (its rating adjusted for how many reviews it has compared with the Royal Oak category average), how recently we verified its details, and how complete its listing is. Scores and ranks are stored, so the order only changes when the underlying data changes.

Read the full methodology

Ask Noemic: best credit unions in Royal Oak

credit unions in Royal Oak, MI: common questions

Which credit union in Royal Oak, MI has the strongest Google rating and review count?: Community Choice Credit Union at 1740 Crooks Rd leads both measures in this guide, with 4.9 stars from 592 reviews. OUR Credit Union at 726 S Washington Ave has 4.7 stars from 30 reviews, while Genisys at 530 N Main St has 4.4 stars from 255 reviews.
Which credit unions in Royal Oak, MI are open on Saturdays or late on weekdays?: Michigan First inside Kroger at 2200 12 Mile Rd is open 10 a.m.–7 p.m. Monday through Friday and 10 a.m.–3 p.m. Saturday. Community Choice, Genisys, and OUR are open 9 a.m.–1 p.m. Saturday and until 6 p.m. Friday. Vibe at 501 S Main St also closes at 6 p.m. Friday, but is closed Saturday. All listed locations are closed Sunday.
Where can I find drive-through banking in Royal Oak, MI?: Genisys Credit Union at 530 N Main St and Michigan Educational Credit Union at 1903 Rochester Rd both list drive-through service. Genisys also lists a free parking lot. Both locations have wheelchair-accessible entrances and parking. Michigan Educational’s listed hours are 9:30 a.m.–5:30 p.m. Monday through Friday; Genisys also has Saturday hours.
Which credit unions in Royal Oak, MI offer loans and business banking?: Community Choice lists mortgages, loans, personal checking and savings, and business banking. Genisys lists mortgages, auto loans, credit cards, checking and savings, and financial services for local businesses. OUR also provides financial services for individuals, families, and businesses.
Which location offers shared branching and self-service banking features in Royal Oak, MI?: OUR Credit Union at 726 S Washington Ave participates in shared branching and has a walk-up ATM, self-serve coin machines, and night drop boxes. It also lists wheelchair-accessible parking, an entrance, a restroom, and seating. Its Wednesday opening time is 10 a.m.; it opens at 9 a.m. on the other weekdays and Saturday.