What are the current interest rates at University of Michigan Credit Union?

Current rates for University of Michigan Credit Union include: 12-Month CD: 3.56%, 24-Month CD: 2.84%, 60-Month CD: 3.04%, Savings: 1.16%, MMA: 1.16%

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University of Michigan Credit Union

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University of Michigan Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, University of Michigan Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

University of Michigan Credit Union's top rates as of October 9, 2026 are 3.82% APY on its 12 Month CD, 1.16% APY on savings, 1.16% APY on money market accounts, 0.30% APY on checking, 6.50% on its Conventional Mortgage, auto loans from 5.24% APR, and credit cards from 8.99% APR, according to rates verified by MonitorBankRates. Other University of Michigan Credit Union CD rates include 12 Month IRA CD at 3.82%, 12 Month CD at 3.66%, and 12 Month IRA CD at 3.66%. Other University of Michigan Credit Union mortgage rates include Conventional Mortgage - 10 year at 6.50%, Conventional Mortgage - 15 year at 6.50%, and Jumbo Mortgage at 6.75%. MonitorBankRates evaluates the financial stability of University of Michigan Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.54%. Rates last updated and verified on 10/09/2026.

University of Michigan Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at University of Michigan Credit Union? Share your experience about University of Michigan Credit Union by leaving a review below, or read customer reviews before you decide to use University of Michigan Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.54%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

University of Michigan Credit Union
340 Huron

340 E Huron St
Ann Arbor, MI 48104

https://www.umcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

University of Michigan Credit Union CD Rates

Product	Rate	APY	Term
12 Month Certificate	3.75%	3.82%	12 Month
Min Deposit $100,000 Min Balance $100,000 Details Balance: Certificate $100,000 minimum deposit Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.82% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
12 Month IRA Certificate	3.75%	3.82%	12 Month
Min Deposit $100,000 Details Balance: $100,000 minimum deposit Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.64% → 3.82% ▲ 0.18 pts · high 3.82% / low 3.64% Oct 9, 20263.82%▲ from 3.64% Sep 14, 20263.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
12 Month Certificate	3.60%	3.66%	12 Month
Min Deposit $10,000 Min Balance $10,000 Details Balance: Certificate $10,000 minimum deposit Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.66% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
12 Month IRA Certificate	3.60%	3.66%	12 Month
Min Deposit $10,000 Details Balance: $10,000 minimum deposit Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.64% → 3.66% ▲ 0.02 pts · high 3.66% / low 3.64% Oct 9, 20263.66%▲ from 3.64% Sep 14, 20263.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
12 Month Certificate	3.50%	3.56%	12 Month
Min Deposit $500 Min Balance $500 Details Balance: Certificate $500 minimum deposit Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.56% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
12 Month IRA Certificate	3.50%	3.56%	12 Month
Min Deposit $500 Details Balance: $500 minimum deposit Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.64% → 3.56% ▼ 0.08 pts · high 3.64% / low 3.56% Oct 9, 20263.56%▼ from 3.64% Sep 14, 20263.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
60 Month Certificate	3.20%	3.25%	60 Month
Min Deposit $100,000 Min Balance $100,000 Details Balance: Certificate $100,000 minimum deposit Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.94% → 3.25% ▲ 0.31 pts · high 3.25% / low 2.94% Oct 9, 20263.25%▲ from 2.94% Sep 14, 20262.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
60 Month IRA Certificate	3.20%	3.25%	60 Month
Min Deposit $100,000 Details Balance: $100,000 minimum deposit Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.73% → 3.25% ▲ 0.52 pts · high 3.25% / low 2.73% Oct 9, 20263.25%▲ from 2.73% Sep 14, 20262.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
48 Month Certificate	3.10%	3.14%	48 Month
Min Deposit $100,000 Min Balance $100,000 Details Balance: Certificate $100,000 minimum deposit Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.94% → 3.14% ▲ 0.20 pts · high 3.14% / low 2.94% Oct 9, 20263.14%▲ from 2.94% Sep 14, 20262.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
48 Month IRA Certificate	3.10%	3.14%	48 Month
Min Deposit $100,000 Details Balance: $100,000 minimum deposit Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.73% → 3.14% ▲ 0.41 pts · high 3.14% / low 2.73% Oct 9, 20263.14%▲ from 2.73% Sep 14, 20262.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
60 Month Certificate	3.10%	3.14%	60 Month
Min Deposit $10,000 Min Balance $10,000 Details Balance: Certificate $10,000 minimum deposit Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.94% → 3.14% ▲ 0.20 pts · high 3.14% / low 2.94% Oct 9, 20263.14%▲ from 2.94% Sep 14, 20262.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
60 Month IRA Certificate	3.10%	3.14%	60 Month
Min Deposit $10,000 Details Balance: $10,000 minimum deposit Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.73% → 3.14% ▲ 0.41 pts · high 3.14% / low 2.73% Oct 9, 20263.14%▲ from 2.73% Sep 14, 20262.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
36 Month Certificate	3.05%	3.09%	36 Month
Min Deposit $100,000 Min Balance $100,000 Details Balance: Certificate $100,000 minimum deposit Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.94% → 3.09% ▲ 0.15 pts · high 3.09% / low 2.94% Oct 9, 20263.09%▲ from 2.94% Sep 14, 20262.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
36 Month IRA Certificate	3.05%	3.09%	36 Month
Min Deposit $100,000 Details Balance: $100,000 minimum deposit Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.73% → 3.09% ▲ 0.36 pts · high 3.09% / low 2.73% Oct 9, 20263.09%▲ from 2.73% Sep 14, 20262.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
24 Month Certificate	3.00%	3.04%	24 Month
Min Deposit $100,000 Min Balance $100,000 Details Balance: Certificate $100,000 minimum deposit Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.90% → 3.04% ▲ 0.14 pts · high 3.04% / low 2.90% Oct 9, 20263.04%▲ from 2.90% Sep 14, 20262.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
24 Month IRA Certificate	3.00%	3.04%	24 Month
Min Deposit $100,000 Details Balance: $100,000 minimum deposit Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.69% → 3.04% ▲ 0.35 pts · high 3.04% / low 2.69% Oct 9, 20263.04%▲ from 2.69% Sep 14, 20262.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
48 Month Certificate	3.00%	3.04%	48 Month
Min Deposit $10,000 Min Balance $10,000 Details Balance: Certificate $10,000 minimum deposit Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.94% → 3.04% ▲ 0.10 pts · high 3.04% / low 2.94% Oct 9, 20263.04%▲ from 2.94% Sep 14, 20262.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
48 Month IRA Certificate	3.00%	3.04%	48 Month
Min Deposit $10,000 Details Balance: $10,000 minimum deposit Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.73% → 3.04% ▲ 0.31 pts · high 3.04% / low 2.73% Oct 9, 20263.04%▲ from 2.73% Sep 14, 20262.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
60 Month Certificate	3.00%	3.04%	60 Month
Min Deposit $500 Min Balance $500 Details Balance: Certificate $500 minimum deposit Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.94% → 3.04% ▲ 0.10 pts · high 3.04% / low 2.94% Oct 9, 20263.04%▲ from 2.94% Sep 14, 20262.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
60 Month IRA Certificate	3.00%	3.04%	60 Month
Min Deposit $500 Details Balance: $500 minimum deposit Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.73% → 3.04% ▲ 0.31 pts · high 3.04% / low 2.73% Oct 9, 20263.04%▲ from 2.73% Sep 14, 20262.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
36 Month Certificate	2.95%	2.99%	36 Month
Min Deposit $10,000 Min Balance $10,000 Details Balance: Certificate $10,000 minimum deposit Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.94% → 2.99% ▲ 0.05 pts · high 2.99% / low 2.94% Oct 9, 20262.99%▲ from 2.94% Sep 14, 20262.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
36 Month IRA Certificate	2.95%	2.99%	36 Month
Min Deposit $10,000 Details Balance: $10,000 minimum deposit Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.73% → 2.99% ▲ 0.26 pts · high 2.99% / low 2.73% Oct 9, 20262.99%▲ from 2.73% Sep 14, 20262.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
6 Month Certificate	2.95%	2.99%	6 Month
Min Deposit $100,000 Min Balance $100,000 Details Balance: Certificate $100,000 minimum deposit Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.84% → 2.99% ▲ 0.15 pts · high 2.99% / low 2.84% Oct 9, 20262.99%▲ from 2.84% Sep 14, 20262.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
6 Month IRA Certificate	2.95%	2.99%	6 Month
Min Deposit $100,000 Details Balance: $100,000 minimum deposit Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.54% → 2.99% ▲ 0.45 pts · high 2.99% / low 2.54% Oct 9, 20262.99%▲ from 2.54% Sep 14, 20262.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
24 Month Certificate	2.90%	2.94%	24 Month
Min Deposit $10,000 Min Balance $10,000 Details Balance: Certificate $10,000 minimum deposit Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.90% → 2.94% ▲ 0.04 pts · high 2.94% / low 2.90% Oct 9, 20262.94%▲ from 2.90% Sep 14, 20262.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
24 Month IRA Certificate	2.90%	2.94%	24 Month
Min Deposit $10,000 Details Balance: $10,000 minimum deposit Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.69% → 2.94% ▲ 0.25 pts · high 2.94% / low 2.69% Oct 9, 20262.94%▲ from 2.69% Sep 14, 20262.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
48 Month Certificate	2.90%	2.94%	48 Month
Min Deposit $500 Min Balance $500 Details Balance: Certificate $500 minimum deposit Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.94% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
48 Month IRA Certificate	2.90%	2.94%	48 Month
Min Deposit $500 Details Balance: $500 minimum deposit Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.73% → 2.94% ▲ 0.21 pts · high 2.94% / low 2.73% Oct 9, 20262.94%▲ from 2.73% Sep 14, 20262.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
36 Month Certificate	2.85%	2.89%	36 Month
Min Deposit $500 Min Balance $500 Details Balance: Certificate $500 minimum deposit Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.94% → 2.89% ▼ 0.05 pts · high 2.94% / low 2.89% Oct 9, 20262.89%▼ from 2.94% Sep 14, 20262.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
36 Month IRA Certificate	2.85%	2.89%	36 Month
Min Deposit $500 Details Balance: $500 minimum deposit Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.73% → 2.89% ▲ 0.16 pts · high 2.89% / low 2.73% Oct 9, 20262.89%▲ from 2.73% Sep 14, 20262.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
6 Month Certificate	2.85%	2.89%	6 Month
Min Deposit $10,000 Min Balance $10,000 Details Balance: Certificate $10,000 minimum deposit Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.84% → 2.89% ▲ 0.05 pts · high 2.89% / low 2.84% Oct 9, 20262.89%▲ from 2.84% Sep 14, 20262.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
6 Month IRA Certificate	2.85%	2.89%	6 Month
Min Deposit $10,000 Details Balance: $10,000 minimum deposit Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.54% → 2.89% ▲ 0.35 pts · high 2.89% / low 2.54% Oct 9, 20262.89%▲ from 2.54% Sep 14, 20262.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
24 Month Certificate	2.80%	2.84%	24 Month
Min Deposit $500 Min Balance $500 Details Balance: Certificate $500 minimum deposit Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.79% → 2.84% ▲ 0.05 pts · high 2.84% / low 2.79% Oct 9, 20262.84%▲ from 2.79% Sep 14, 20262.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
24 Month IRA Certificate	2.80%	2.84%	24 Month
Min Deposit $500 Details Balance: $500 minimum deposit Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.69% → 2.84% ▲ 0.15 pts · high 2.84% / low 2.69% Oct 9, 20262.84%▲ from 2.69% Sep 14, 20262.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
6 Month Certificate	2.75%	2.78%	6 Month
Min Deposit $500 Min Balance $500 Details Balance: Certificate $500 minimum deposit Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.73% → 2.78% ▲ 0.05 pts · high 2.78% / low 2.73% Oct 9, 20262.78%▲ from 2.73% Sep 14, 20262.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
6 Month IRA Certificate	2.75%	2.78%	6 Month
Min Deposit $500 Details Balance: $500 minimum deposit Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.54% → 2.78% ▲ 0.24 pts · high 2.78% / low 2.54% Oct 9, 20262.78%▲ from 2.54% Sep 14, 20262.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%

University of Michigan Credit Union Savings Rates

Product	Rate	APY
Money Market Savings Account	1.15%	1.16%
Min Balance $25,000 Details Balance: $25,000+ Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.06% → 1.16% ▲ 0.10 pts · high 1.16% / low 1.06% Oct 9, 20261.16%▲ from 1.06% Sep 14, 20261.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Money Market Savings Account	1.05%	1.06%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.75% → 1.06% ▲ 0.31 pts · high 1.06% / low 0.75% Oct 9, 20261.06%▲ from 0.75% Sep 14, 20260.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Money Market Savings Account	0.75%	0.75%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 0.45% → 0.75% ▲ 0.30 pts · high 0.75% / low 0.45% Oct 9, 20260.75%▲ from 0.45% Sep 18, 20260.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Money Market Savings Account	0.55%	0.55%
Min Balance $2,000 Details Balance: $2,000 - $4,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 0.45% → 0.55% ▲ 0.10 pts · high 0.55% / low 0.45% Oct 9, 20260.55%▲ from 0.45% Sep 18, 20260.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Savings Account	0.05%	0.05%
Min Deposit $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Youth Savings Account	0.05%	0.05%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%

University of Michigan Credit Union Business Savings Rates

Product	Rate	APY
Business Money Market Savings Account	1.15%	1.16%
Min Balance $25,000 Details Balance: $25,000+ Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.06% → 1.16% ▲ 0.10 pts · high 1.16% / low 1.06% Oct 9, 20261.16%▲ from 1.06% Sep 14, 20261.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Business Money Market Savings Account	1.05%	1.06%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.75% → 1.06% ▲ 0.31 pts · high 1.06% / low 0.75% Oct 9, 20261.06%▲ from 0.75% Sep 14, 20260.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Business Money Market Savings Account	0.75%	0.75%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 0.45% → 0.75% ▲ 0.30 pts · high 0.75% / low 0.45% Oct 9, 20260.75%▲ from 0.45% Sep 18, 20260.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Business Money Market Savings Account	0.55%	0.55%
Min Balance $2,000 Details Balance: $2,000 - $4,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 0.45% → 0.55% ▲ 0.10 pts · high 0.55% / low 0.45% Oct 9, 20260.55%▲ from 0.45% Sep 18, 20260.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Business Savings Account	0.05%	0.05%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%

University of Michigan Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	1.15%	1.16%
Min Balance $25,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.06% → 1.16% ▲ 0.10 pts · high 1.16% / low 1.06% Oct 9, 20261.16%▲ from 1.06% Sep 14, 20261.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Money Market Savings Account	1.15%	1.16%
Min Balance $25,000 Details Balance: $25,000+ Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.06% → 1.16% ▲ 0.10 pts · high 1.16% / low 1.06% Oct 9, 20261.16%▲ from 1.06% Sep 14, 20261.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Money Market Savings Account	1.05%	1.06%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.75% → 1.06% ▲ 0.31 pts · high 1.06% / low 0.75% Oct 9, 20261.06%▲ from 0.75% Sep 14, 20260.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Money Market Savings Account	0.75%	0.75%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 0.45% → 0.75% ▲ 0.30 pts · high 0.75% / low 0.45% Oct 9, 20260.75%▲ from 0.45% Sep 18, 20260.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Money Market Savings Account	0.55%	0.55%
Min Balance $2,000 Details Balance: $2,000 - $4,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 0.45% → 0.55% ▲ 0.10 pts · high 0.55% / low 0.45% Oct 9, 20260.55%▲ from 0.45% Sep 18, 20260.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%

University of Michigan Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Savings Account	1.15%	1.16%
Min Balance $25,000 Details Balance: $25,000+ Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.06% → 1.16% ▲ 0.10 pts · high 1.16% / low 1.06% Oct 9, 20261.16%▲ from 1.06% Sep 14, 20261.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Business Money Market Savings Account	1.05%	1.06%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.75% → 1.06% ▲ 0.31 pts · high 1.06% / low 0.75% Oct 9, 20261.06%▲ from 0.75% Sep 14, 20260.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Business Money Market Savings Account	0.75%	0.75%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 0.45% → 0.75% ▲ 0.30 pts · high 0.75% / low 0.45% Oct 9, 20260.75%▲ from 0.45% Sep 18, 20260.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Business Money Market Savings Account	0.55%	0.55%
Min Balance $2,000 Details Balance: $2,000 - $4,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 0.45% → 0.55% ▲ 0.10 pts · high 0.55% / low 0.45% Oct 9, 20260.55%▲ from 0.45% Sep 18, 20260.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%

University of Michigan Credit Union Checking Rates

Product	Rate	APY
Interest Checking	0.30%	0.30%
Min Balance $25,000 Details Balance: $25,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Interest Checking	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Interest Checking	0.16%	0.16%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.16% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Interest Checking	0.15%	0.15%
Min Balance $2,000 Details Balance: $2,000 - $4,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%

University of Michigan Credit Union Business Checking Rates

Product	Rate	APY
Business Gold Checking	0.20%	0.20%
Min Balance $25,000 Details Balance: $25,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Business Gold Checking	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Business Gold Checking	0.06%	0.06%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.06% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Business Gold Checking	0.05%	0.05%
Min Balance $2,000 Details Balance: $2,000 - $4,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%

University of Michigan Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Conventional Mortgage	6.50%	-	6.50%	10 year
Details Fixed Rate Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.00% → 6.50% ▲ 0.50 pts · high 6.50% / low 6.00% Sep 22, 20266.50%▲ from 6.00% Sep 18, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Conventional Mortgage	6.50%	-	6.50%	15 year
Details Fixed Rate Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.13% → 6.50% ▲ 0.38 pts · high 6.50% / low 6.13% Sep 22, 20266.50%▲ from 6.13% Sep 18, 20266.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Conventional Mortgage - 10 year	6.50%	-	6.50%	10 year
Details Fixed Rate Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.00% → 6.50% ▲ 0.50 pts · high 6.50% / low 6.00% Oct 9, 20266.50%▲ from 6.00% Sep 14, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Conventional Mortgage - 15 year	6.50%	-	6.50%	15 year
Details Fixed Rate Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.13% → 6.50% ▲ 0.38 pts · high 6.50% / low 6.13% Oct 9, 20266.50%▲ from 6.13% Sep 14, 20266.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Jumbo Mortgage	6.75%	-	6.75%	10 year
Details Fixed Rate Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.00% → 6.75% ▲ 0.75 pts · high 6.75% / low 6.00% Sep 22, 20266.75%▲ from 6.00% Sep 18, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Conventional Mortgage	6.875%	-	6.875%	20 year
Details Fixed Rate Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.38% → 6.88% ▲ 0.50 pts · high 6.88% / low 6.38% Sep 22, 20266.88%▲ from 6.38% Sep 18, 20266.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Conventional Mortgage	6.875%	-	6.875%	30 year
Details Fixed Rate Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.63% → 6.88% ▲ 0.25 pts · high 6.88% / low 6.63% Sep 22, 20266.88%▲ from 6.63% Sep 18, 20266.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Conventional Mortgage - 20 year	6.875%	-	6.875%	20 year
Details Fixed Rate Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.38% → 6.88% ▲ 0.50 pts · high 6.88% / low 6.38% Oct 9, 20266.88%▲ from 6.38% Sep 14, 20266.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Conventional Mortgage - 30 year	6.875%	-	6.875%	30 year
Details Fixed Rate Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.63% → 6.88% ▲ 0.25 pts · high 6.88% / low 6.63% Oct 9, 20266.88%▲ from 6.63% Sep 14, 20266.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Jumbo Mortgage	6.875%	-	6.875%	15 year
Details Fixed Rate Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.25% → 6.88% ▲ 0.63 pts · high 6.88% / low 6.25% Sep 22, 20266.88%▲ from 6.25% Sep 18, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Jumbo Mortgage	7.00%	-	7.00%	20 year
Details Fixed Rate Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.38% → 7.00% ▲ 0.63 pts · high 7.00% / low 6.38% Sep 22, 20267.00%▲ from 6.38% Sep 18, 20266.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Jumbo Mortgage	7.125%	-	7.125%	30 year
Details Fixed Rate Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.63% → 7.13% ▲ 0.50 pts · high 7.13% / low 6.63% Sep 22, 20267.13%▲ from 6.63% Sep 18, 20266.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%

University of Michigan Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit	-	-	7.00%	10 year
Details Term: 10 year draw, 15 year repayment; Published APR range: 7.00% - 13.25%. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 2, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Fixed Rate Home Equity Loan	-	-	7.75%	10 year
Details Published APR range: 7.75% - 14.00%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Fixed Rate Home Equity Loan	-	-	8.25%	15 year
Details Published APR range: 8.25% - 14.50%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%

University of Michigan Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	5.24%	Up to 36 Months
Details Published APR range: 5.24% - 14.09%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Auto Loan	-	-	5.24%	37 - 48 Months
Details Published APR range: 5.24% - 14.09%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Auto Loan	-	-	5.24%	49 - 60 Months
Details Published APR range: 5.24% - 14.09%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Auto Loan	-	-	5.24%	61 - 72 Months
Details Published APR range: 5.24% - 15.09%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Auto Loan	-	-	6.24%	73 - 84 Months
Details Published APR range: 6.24% - 16.34%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%

University of Michigan Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Motorcycle & RV: Jet Ski, Snowmobile, ATV Loan	-	7.24%
Details Published APR range: 7.24% - 16.74%. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Motorhome, Boat, Travel Trailer Loan	-	7.50%
Details Published APR range: 7.50% - 20.75%. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Travel Trailer Loan	-	7.50%
Details Published APR range: 7.50% - 20.75%. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%

University of Michigan Credit Union Student Loan Rates

Product	Rate	Points	APR	Term	View More
Revolving Student Loan	-	-	9.25%
Details Published APR range: 9.25% - 16.25%. Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 9.00% → 9.25% ▲ 0.25 pts · high 9.25% / low 9.00% Oct 9, 20269.25%▲ from 9.00% Sep 22, 20269.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%

University of Michigan Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum Optimum	-	8.99%
Details Published APR range: 8.99% - 14.99%. Non-variable Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Visa Platinum Cash Rewards	-	12.99%
Details Published APR range: 12.99% - 18.99%. Non-variable Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%

University of Michigan Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Build My Credit Loan	-	-	9.90%	18 Months
Details Fixed Rate Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Home Improvement Loan	9.75%	-	9.75%	Up to 84 Months
Details Published APR range: 9.75% - 16.25%; Published rate range: 9.75% - 16.25%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Line of Credit	-	-	16.99%
Details Published APR range: 16.99% - 20.99%. Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 16.74% → 16.99% ▲ 0.25 pts · high 16.99% / low 16.74% Oct 9, 202616.99%▲ from 16.74% Sep 22, 202616.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
My Choice Loan	-	-	9.75%
Details Published APR range: 9.75% - 15.75%. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 9.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%
Technology Loan	-	-	4.99%
Details 0.00% for first 90 days. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.54%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

University of Michigan Credit Union’s Texas Ratio stayed near 5.30% in Q3 2023 to 5.54% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.5B	5.54%	5.0	A+
March 31, 2026	$1.4B	5.00%	5.0	A+
December 31, 2025	$1.4B	6.17%	5.0	A
September 30, 2025	$1.4B	5.61%	5.0	A+
June 30, 2025	$1.4B	5.25%	5.0	A+
March 31, 2025	$1.4B	4.76%	5.0	A+
December 31, 2024	$1.4B	6.68%	5.0	A
September 30, 2024	$1.3B	5.13%	5.0	A+
June 30, 2024	$1.4B	4.78%	5.0	A+
March 31, 2024	$1.4B	4.68%	5.0	A+
December 31, 2023	$1.4B	5.85%	5.0	A+
September 30, 2023	$1.4B	5.30%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for University of Michigan Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather University of Michigan Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with University of Michigan Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name University of Michigan Credit Union

Website https://www.umcu.org

Address 340 E Huron St, Ann Arbor, MI 48104

Phone 734-662-8200

Fax 734-769-2245

President Earl Bell

CEO Tiffany Ford

Full-Time Employees 247

Part-Time Employees 7

Branch Locations 17

ATM Locations 19

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.54%

Return on Assets (ROA)

0.2039%

Return on Equity (ROE)

1.8408%

Non-Performing Loans Ratio (NPL)

0.82%

Total Assets

1,454,036,819

Total Amount of Shares and Deposits

1,127,440,101

Total Shares and Deposits < 1 Year

1,114,360,307

Total Shares and Deposits 1 3 Years

8,162,952

Total Shares and Deposits > 3 Years

4,916,842

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

119,233,997

Total Uninsured Shares and Deposits > $250K (F+J)

119,233,997

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,008,206,104

Total Interest Expense (Sum of items 6 8)

6,775,828

Share Certificates

3,946

Number of Accounts for Share Drafts

83,984

IRA KEOGH Accounts

795

Number of Accounts for Regular Shares

143,099

All other shares

15,610

Money Market Shares

4,897

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

70,436,454

Total Liabilities

1,300,340,057

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

University of Michigan Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About University of Michigan Credit Union

How many branches does University of Michigan Credit Union operate?

University of Michigan Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join University of Michigan Credit Union?

Yes, to access services at University of Michigan Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, University of Michigan Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, University of Michigan Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does University of Michigan Credit Union offer online and mobile banking?

Most modern institutions like University of Michigan Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.umcu.org.

Current University of Michigan Credit Union Rates

12-Month CD3.56%
24-Month CD2.84%
60-Month CD3.04%
Savings1.16%
MMA1.16%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

University of Michigan Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

University of Michigan Credit Union Texas Ratio

University of Michigan Credit Union Health Trend

University of Michigan Credit Union CD Rates

University of Michigan Credit Union Savings Rates

University of Michigan Credit Union Business Savings Rates

University of Michigan Credit Union Money Market Rates

University of Michigan Credit Union Business Money Market Rates

University of Michigan Credit Union Checking Rates

University of Michigan Credit Union Business Checking Rates

University of Michigan Credit Union Mortgage Rates

University of Michigan Credit Union Home Equity & HELOC

University of Michigan Credit Union Auto Loan Rates

University of Michigan Credit Union RV, Boat and Powersport Loan Rates

University of Michigan Credit Union Student Loan Rates

University of Michigan Credit Union Credit Card Rates

University of Michigan Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

University of Michigan Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About University of Michigan Credit Union

How many branches does University of Michigan Credit Union operate?

Is a member application needed to join University of Michigan Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does University of Michigan Credit Union offer online and mobile banking?

Current University of Michigan Credit Union Rates

Compare to Other Credit Unions