The Route 31 Federal Credit Union All Credit Levels is a cdfi lender from Route 31 Federal Credit Union. Rewards: The Express Debit Account offers 4% cash back on debit card purchases.. This product reports activity to your personal credit report. Route 31 Federal Credit Union is a CDFI-certified institution dedicated to helping members of the Muskegon, MI community achieve financial success through various lending products and services. They offer a range of financial solutions including home equity loans, personal loans, and checking accounts, with a focus on serving underserved communities. Services include: home equity loans, personal loans, business loans. US Treasury certified CDFI Credit Union in Muskegon, MI. Membership required.