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 University of Michigan Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 22, 2026
University of Michigan Credit Union's 12 Month IRA CDs rates are at 3.85%, 12 Month CD rates are at 3.82%, 12 Month IRA CDs rates are at 3.74%, 12 Month CD rates are at 3.66%, 12 Month IRA CD rates are at 3.64%. University of Michigan Credit Union's savings rates are at 0.05%. University of Michigan Credit Union's money market rates are at 1.06%. University of Michigan Credit Union's Conventional Mortgage rates are at 6.50%, Jumbo Mortgage rates are at 6.75%, Conventional Mortgage rates are at 6.88%, Jumbo Mortgage rates are at 6.88%, Jumbo Mortgage rates are at 7.00%. University of Michigan Credit Union's Auto Loan Rates are as low as 5.24%. University of Michigan Credit Union's Credit Card Rates are at 8.99%. 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 5.00%. Rates last updated and verified on 09/22/2026. 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. University of Michigan Credit Union
Pierpont Branch 2101 Bonisteel Blvd Ste 1212
https://www.umcu.org Ann Arbor, MI 48109 
University of Michigan Credit Union CD Rates
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University of Michigan Credit Union Money Market Rates
University of Michigan Credit Union 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
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University of Michigan Credit Union Other Rates
Financial Health HistoryUniversity of Michigan Credit Union’s Texas Ratio stayed near 4.54% in Q2 2023 to 5.00% in Q1 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
2101 Bonisteel Blvd Ste 1212,
Ann Arbor, MI 48109
Phone
734-662-8200
Fax
734-769-2245
President
Earl Bell
CEO
Tiffany Ford
Full-Time Employees
243
Part-Time Employees
2
Branch Locations
17
ATM Locations
18
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
5.00%
Return on Assets (ROA)
0.0992%
Return on Equity (ROE)
0.9255%
Non-Performing Loans Ratio (NPL)
0.74%
Total Assets
1,445,401,918
Total Amount of Shares and Deposits
1,124,347,646
Total Shares and Deposits < 1 Year
1,111,261,421
Total Shares and Deposits 1 3 Years
8,382,400
Total Shares and Deposits > 3 Years
4,703,825
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
113,053,773
Total Uninsured Shares and Deposits > $250K (F+J)
113,053,773
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,011,293,873
Total Interest Expense (Sum of items 6 8)
3,396,273
Share Certificates
3,735
Number of Accounts for Share Drafts
84,131
IRA KEOGH Accounts
810
Number of Accounts for Regular Shares
144,718
All other shares
15,561
Money Market Shares
4,869
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)
172,079,004
Total Liabilities
1,292,864,740
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About University of Michigan Credit UnionHow 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
Retrieved from our database of financial products. Rates subject to change.
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