Unlock Your Home's Potential with a Credit Union in Michigan

Your home is more than a place to live – it's financial flexibility. Get funds via a UMCU HELOC, with competitive rates starting at 6.75% APR and up to 95% of your home’s equity with loan payment protection coverage.

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Local Commitment,
Big Impact

When you choose UMCU, you strengthen your community and resources to reach your financial goals. Our credit union member experience means perk-filled UMCU Wolverines clubs, advisory student account packages with mobile wallets, and more.

The UMCU Experience

Detroit Lions Debit Card

As the Official Credit Union of the Detroit Lions, receive exclusive debit cards, featuring four signature Lions designs. Snag this officially branded card, win presale game access, 20% off merchandise discounts, and nationwide fee-free ATM access.

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Our Best Rates

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UMCU Offerings

Promotions

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Play It Forward

UMCU is proud to partner with the Ann Arbor Symphony Orchestra (A2SO) for the 3rd Annual Play It Forward campaign! Together, we are keeping the music thriving by supporting local school music programs across Ann Arbor and Ypsilanti.

Mortgages

$750 Savings on Mortgage Closing Costs

Now through August 31, save $750 at closing when you buy a home or refinance your mortgage from another lender with UMCU. Free pre-approval, no application fee, and a dedicated loan officer with you every step of the way.

Promotion

Graduation Loan

Congrats, grad! To help you with post-college life, we'll take 0.50% APR off the rate of a new-to-UMCU vehicle loan, starting rate of 8.00% APR on My Choice personal loan, or both!

Exclusive Grand Traverse Resort and Spa Discounts

Unlock a 15% discount on rooms and spa services all year long when you book with your Michigan or Detroit Lions debit card.

Checking Accounts

Go Blue™ Checking Account

Go Blue™ Checking gives you the flexibility, features, and Michigan tradition you expect, no fees, no minimums, and a debit card that shows your true blue loyalty.

Checking Accounts

Detroit Lions

Get in the game with one of four bold Lions debit cards, available only from UMCU the Official Credit Union of the Detroit Lions.

Events

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Planning for Retirement: An Intro to Social Security & Medicare | 6-7 PM EST

Virtual Presentation

July
20th

Planning for Retirement: An Intro to Social Security & Medicare | 6-7 PM EST

Social Security provides a steady stream of income for retirees and disabled individuals, while Medicare serves as a federal health insurance program primarily for Americans 65 and older. This class will provide you with an introduction to how these programs work.

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Virtual Presentation

July
27th

Homebuyer Education | 6-7:30 PM EST

Buying a home is one of the most important emotional and financial decisions you will make. This is why financial experts recommend taking a homebuyer education course before diving into the purchasing process.

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UMCU Experience

We're a Credit Union that Believes in

Our Members. Our Community. Our Teams.

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Whatever You're Looking For We've Got You Covered

Accounts

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Loans

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Where to Find Us

Ann Arbor

Metro Detroit

Flint

Ypsilanti

Looking for a UMCU Branch or ATM?

The University of Michigan Credit Union has many local branches and over 30,000 nationwide ATMs, so you can always find us. Try our Branch & ATM Finder to find your closest branch.

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