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Overview / Commentary
734-662-8200
340 E Huron St
Ann Arbor, MI 48104

University Of Michigan Credit Union is headquartered in Ann Arbor and is the 16th largest credit union in the state of Michigan. It is also the 365th largest credit union in the nation. It was established in 1954 and as of September of 2017, it had grown to 150 employees and 85,351 members at 14 locations. University Of Michigan Credit Union has an A health rating.

Field of Membership Restrictions

Membership in University of Michigan Credit Union is open to students, staff, and faculty of the University of Michigan.
See current membership details

Reviews (1)

Nice credit union

UMCU has been an amazing bank. Whenever I call with an issue they take care of it immediately. The employees are always friendly, and I have never had a problem in person or over the phone. Online banking is good and easy to use, and they have more than enough ATM and bank locations in my area. Would strongly recommend to anyone living in my town.



Health

Health Grade Components

Overall
NCUA #61552
Year Chartered1954
Employees150
Primary Regulator
Profit Margin
Return on Assets - YTD1.07%
Return on Equity - YTD11.35%
Annual Interest Income$19.3MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$781.1MM$714.8MM
LoansQ3 2017vs Q3 2016$542.9MM$441.1MM
DepositsQ3 2017vs Q3 2016$699.4MM$641.2MM
Equity CapitalQ3 2017vs Q3 2016$73.2MM$66.4MM
Loan Loss AllowanceQ3 2017vs Q3 2016$4.2MM$3.8MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$5.6MM$5.0MM
Real Estate OwnedQ3 2017vs Q3 2016$0$72.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

University Of Michigan Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Share Savings
0.05%--Business Share Savings
0.05%--Penny Pioneer
0.05%--Independent Edge
0.05%--Holiday Savings
0.05%--Financial Fitness

University Of Michigan Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$25k*-Money Market Savings
OTHER TIERS: 0.05% $2k - $5k | 0.07% $5k - $10k | 0.10% $10k - $25k
0.10%*$25k*-Business Money Market Savings
OTHER TIERS: 0.03% $2k - $5k | 0.05% $5k - $10k | 0.08% $10k - $25k

University Of Michigan Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%*$25k*-Interest Checking
OTHER TIERS: 0.02% $2k - $5k | 0.03% $5k - $10k | 0.04% $10k - $25k
0.05%*$25k*-Advantage Business Checking
OTHER TIERS: 0.02% $2k - $5k | 0.03% $5k - $10k | 0.04% $10k - $25k

University Of Michigan Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%*$100k*-60 Month CD
OTHER TIERS: 0.95% $500 - $10k | 1.16% $10k - $100k
1.06%*$100k*-48 Month CD
OTHER TIERS: 0.85% $500 - $10k | 1.00% $10k - $100k
0.85%*$100k*-36 Month CD
OTHER TIERS: 0.65% $500 - $10k | 0.75% $10k - $100k
0.65%*$100k*-24 Month CD
OTHER TIERS: 0.45% $500 - $10k | 0.55% $10k - $100k
0.40%*$100k*-12 Month CD
OTHER TIERS: 0.20% $500 - $10k | 0.30% $10k - $100k
0.30%*$100k*-6 Month CD
OTHER TIERS: 0.10% $500 - $10k | 0.20% $10k - $100k

University Of Michigan Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%*$100k*-60 Month IRA
OTHER TIERS: 0.95% $500 - $10k | 1.16% $10k - $100k
1.06%*$100k*-48 Month IRA
OTHER TIERS: 0.85% $500 - $10k | 1.00% $10k - $100k
0.85%*$100k*-36 Month IRA
OTHER TIERS: 0.65% $500 - $10k | 0.75% $10k - $100k
0.65%*$100k*-24 Month IRA
OTHER TIERS: 0.45% $500 - $10k | 0.55% $10k - $100k
0.40%*$100k*-12 Month IRA
OTHER TIERS: 0.20% $500 - $10k | 0.30% $10k - $100k
0.30%*$100k*-6 Month IRA
OTHER TIERS: 0.10% $500 - $10k | 0.20% $10k - $100k
Locations

Availability