Michigan United Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

michiganunitedcu.org

248-647-5958

576 E Lincoln St
Birmingham, MI 48009

Michigan United Credit Union is headquartered in Auburn Hills and is the 57^th largest credit union in the state of Michigan. It is also the 966^th largest credit union in the nation. It was established in 1931 and as of March of 2025, it had grown to 80 employees and 23,757 members at 9 locations. Michigan United Credit Union's CD rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

Michigan United Credit Union is open to anyone who lives, works, worships, or goes to school in the state of Michigan.
See current membership details

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	61698
Year Chartered	1931
Employees	80
Primary Regulator

Profit Margin
Return on Assets - YTD	1.94%
Return on Equity - YTD	16.78%
Annual Interest Income	$3.8MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$338.7MM$354.2MM
Loans	Q1 2025vs Q1 2024	$204.4MM$219.7MM
Deposits	Q1 2025vs Q1 2024	$297.5MM$317MM
Equity Capital	Q1 2025vs Q1 2024	$38.7MM$34.8MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$614K$683K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$334K$207K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Michigan United Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$500k^*	-	Super Saver
OTHER TIERS: 0.05% → $0 - $2.5k \| 0.10% → $2.5k - $25k \| 0.15% → $25k - $100k \| 0.20% → $100k - $500k
0.05%	$0	-	Regular Savings
0.05%	$0	-	Vacation Savings
0.05%	$0	-	Christmas Savings
0.05%	$0	-	Secondary Savings
0.05%	$0	-	Health Savings Account

Michigan United Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.96%^*	$10k^*	-	1 Year CD
OTHER TIERS: 3.91% → $500 - $10k
3.80%^*	$10k^*	-	18 Month CD
OTHER TIERS: 3.75% → $500 - $10k
3.70%^*	$10k^*	-	6 Month CD
OTHER TIERS: 3.65% → $500 - $10k
3.60%^*	$10k^*	-	2 Year CD
OTHER TIERS: 3.55% → $500 - $10k
3.34%^*	$10k^*	-	3 Year CD
OTHER TIERS: 3.29% → $500 - $10k
2.83%^*	$10k^*	-	4 Year CD
OTHER TIERS: 2.78% → $500 - $10k
2.57%^*	$10k^*	-	5 Year CD
OTHER TIERS: 2.52% → $500 - $10k

Michigan United Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.96%^*	$4k^*	-	1 Year IRA CD
OTHER TIERS: 3.91% → $500 - $4k
3.80%^*	$4k^*	-	18 Month IRA
OTHER TIERS: 3.75% → $500 - $4k
3.70%^*	$4k^*	-	6 Month IRA CD
OTHER TIERS: 3.65% → $500 - $4k
3.60%^*	$4k^*	-	2 Year IRA CD
OTHER TIERS: 3.55% → $500 - $4k
3.34%^*	$4k^*	-	3 Year IRA CD
OTHER TIERS: 3.29% → $500 - $4k
2.83%^*	$4k^*	-	4 Year IRA CD
OTHER TIERS: 2.78% → $500 - $4k
2.57%^*	$4k^*	-	5 Year IRA
OTHER TIERS: 2.52% → $500 - $4k
0.15%^*	$25k^*	-	IRA Savings
OTHER TIERS: 0.10% → $100 - $25k

Locations

Michigan United Credit Union Locations
Branch Office	576 E Lincoln St	Birmingham, MI 48009-1757
Branch Office	15156 N Holly Rd	Holly, MI 48442-1139
Branch Office	350 N Park Blvd	Lake Orion, MI 48362-3150
Branch Office	13643 23 Mile Rd	Shelby Township, MI 48315
Branch Office	4770 Dixie Hwy	Waterford, MI 48329
Branch Office	25901 Harper Ave	Saint Clair Shores, MI 48081-2213
Branch Office	30160 Van Dyke Ave	Warren, MI 48093
Corporate Office	3501 Hamlin Rd	Auburn Hills, MI 48326
Branch Office	6375 Highland Rd	Waterford, MI 48327

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