Various deals reward your membership.

At EMUCU, our special promotions are geared toward helping you achieve financial success.

Strike the perfect balance with EMUCU’s Balance Transfer.


Now through March 31, 2022, receive 0% APR for the first six months when you transfer a balance from another financial institution to either a EMUCU Visa® Platinum Optimum or Visa® Platinum Cash Rewards credit card. After six months, spend wisely with a low interest rate starting from 8.99% - 18.99% APR*.


Plus, enjoy 0% APR for six months on all new purchases made through March 31, 2022, when you do at least one balance transfer.


Use your balance transfer to pay off high interest rate balances and save money!


For more information and to get started, click here, send us a message through online banking or our mobile app, email us at, call 866-923-2385 to speak to a Contact Center Representative, visit any EMUCU branch location or go to our website 


Don’t currently have an EMUCU Visa credit card? Apply today to get your credit card and take advantage of our balance transfer!

It’s the new year, which means new resolutions. While you’re excited to pick up a new hobby, learn a different language, or get fit, have you considered improving another essential area of your personal well-being?
Make a resolution that's easy to keep with EMUCU’s My Choice Loan. 
Streamline your finances by combining some or all of your outstanding debt and balances into one convenient consolidated loan.
Combining, or consolidating, multiple debts into one loan means one monthly payment at a low fixed interest rate. You choose the repayment that works best for you, and you’ll enjoy the peace of mind knowing that your monthly payments will stay the same.
Save yourself some money and time by reducing your high interest rates, managing fewer bills, paying off multiple balances faster, and resolving to set the goal of financial wellness.  

Let’s start the new year off right. Start today at 
To apply for the My Choice Loan, click here and select “My Choice Loan”. You can also apply through online banking and our mobile app. Once you’ve applied, a representative will process your application. 
If you have any questions, please call us at 866-923-2385, email us at, or visit one of our nearest branch locations.

EMUCU is a division of the University of Michigan Credit Union.

We are thrilled to share that we are opening a new branch at Michigan Medicine inside University Hospital! To celebrate the grand opening, we have special offers for you, our member.
Special Offers:
Hit the Road with EMUCU
Go farther with an auto loan new to EMUCU with rates as low as 1.74% APR*.
Make That House Your Home 
EMUCU’s knowledgeable and experienced team provides personalized service to help you through every step of the mortgage process to ensure you’re financially confident. Put down roots with our low rates, an easy application process, and personalized service.
For a limited time, EMUCU is offering $750 off closing costs** through 2/7/22 on a new mortgage or if you refinance from another financial institution.
Move Your Money to Where It’ll Be Appreciated 
If you have funds sitting in an account from another financial institution that isn’t moving you forward, it’s time to start reaching those long-term savings goals and watch your money grow with a new certificate from EMUCU. Your money will earn an additional 0.25% on EMUCU’s current rates for each certificate term during the promotional period***.
Stop by our new Michigan Medicine branch today to take advantage of some additional limited-time offers only available in the branch!
Apply today through online banking or our mobile app. Call us at 866-923-2385 or email at

AUTO LOANS: Get to where you want to go in your ideal car by taking advantage of an auto loan new to EMUCU with rates starting as low as 1.74% APR.

HELPING MICHIGAN LOAN: Receive the extra funds you need to cross items off of your to-do list for less with a low-rate 24-month personal loan at 8.99% APR (fixed) for up to $2,000. 

Venture out and explore new terrain with EMUCU’s recreational vehicle loan. Our loan makes owning a motorcycle, snowmobile, jet-ski, or other Powersports vehicles possible. 
Rates starting as low as 3.99% APR* for recreational vehicle loans that are new to EMUCUǂ.

Click here to apply today or you can also apply through the loan app feature on your EMUCU mobile banking app!

EMUCU’s Student Account Package is an all-inclusive bundle created with students in mind to make banking simple and convenient. 
The Student Account Package covers all of your essential banking needs in and beyond college with a savings account, basic checking/debit account, low rate credit card, and access to free financial wellness workshops.
Plus, when you open a new account, you will receive an exclusive Block E crewneck sweatshirt*, available only at EMUCU! 
Click here to learn more and get started.


Your membership gives you exclusive access to benefits that help support your personal and financial well-being.

We are pleased to announce we are now offering dental coverage through Delta Dental of Michigan to our members! 
Delta Dental provides dental benefits through two of the state’s largest networks of participating dentists, along with its 24/7 Consumer Toolkit, Delta Dental Mobile App, and customer service department.
We are excited to deliver a members-only benefit that improves not only your health but saves you money.

Click here to learn more and get started. 
EMUCU is a division of the University of Michigan Credit Union (UMCU).

As an official partner of the Detroit Lions, UMCU is offering exclusive members-only benefits.

As an EMUCU member, you'll score exclusive discount offers for select Detroit Lions preseason and regular-season games (more information coming soon!). Plus, as a presenting sponsor of Detroit Lions Cub Club, enjoy a 20% discount on all Cub Club memberships. 

Enroll your Lil Lion in the Detroit Lions Cub Club, presented by UMCU!

Benefits for you Cub Club membership for the 2021-2022 season include:

  • Membership kit, which includes a premium Cub Club branded drawstring bag, a wireless speaker, a Cub Club t-shirt, a youth football activity book, membership card, Lions pencils, stickers, sunglasses, and more!
  • Access to exclusive Cub Club events
  • Quarterly Cub Club newsletters
  • Access to 20% discount at Stadium Collection that is now applicable online at
  • Free face painting at all preseason and regular-season home games with the membership card
  • Exclusive partner offers and giveaways
  • Exclusive ticket offers for up to 35% off regular-season home games when applicable
  • E-Birthday card from Roary
  • Member-only contests for a chance to win tickets and special prizes!
Event and subscription access are from July 31, 2021, to March 31, 2022.

UMCU has the official Detroit Lions Debit Card!
UMCU is the only place that offers you the Detroit Lions Debit Card to show off your Lions pride. Choose from three signature Lions designs to highlight your style.

Plus, Lions Debit Cardholders get special members-only offers throughout the year from Detroit Lions.

Detroit Lions Debit Cardholders will receive:

  • Exclusive offers for Detroit Lions preseason and regular-season games, including presale priority access for regular-season home games
  • 20% discount on Cub Club memberships
  • Exciting new offers presented by Lions to members throughout the year
  • 20% discount on merchandise in the team store during Power Hour (the first hour after Ford Field gates open). You will need to mention the Lions Debit Cardholder discount to the cashiers and show the card prior to payment. 
Along with the Lions Debit Card, you'll have access to everything UMCU has to offer, including our Mobile App, access to a nationwide network of ATMs and shared branches, 24/7 Online Banking, and so much more.

New to EMUCU or UMCU? Become a member and get your Lions Debit Card today through our fast and easy online application

Already an EMUCU or UMCU member? Call our Contact Center at 800-968-8628 or email to learn how you can get your Lions Debit Card today!

Enjoy a special partner vendor discount of 10% off in-store purchases at Dunham's Sports!

Click here to open an image of your Dunham's Sports Discount Card. You can either save the image to your phone or print it out to start saving today!
Take advantage of these limited-time members-only benefits for you and the entire family.

There are no limited-time benefits currently available. Please check back at a later date.

*All EMUCU loans must be current and no collection action pending. Your account may not be overdrawn and you must have sufficient funds on deposit to cover the $30 processing fee. Other restrictions may apply. Refer to account and loan disclosures and agreements. Skipping one or more payments will extend the term of your loan and interest will continue to accrue. Please note: For payments generated by you (for example, payments made in person, payments initiated at another financial institution, etc.), you are responsible for ensuring the payment is not made for the month you enact Skip-A-Pay. Any automatic transfers generated by EMUCU will be suspended for the Skip-A-Pay period. Please contact us at 734-662-8200 if you have any questions. 
**Subject to credit worthiness and loan approval. Rates, terms and conditions subject to change without notice. Offer excludes refinance of existing EMUCU loans (if applicable). 
***EMUCU pays all closing costs. Variable rate APR as low as 4.75%. Maximum APR 25.00%. Subject to credit worthiness and loan approval. Rates, terms and conditions subject to change without notice. Offer excludes refinance of existing EMUCU loans. Property insurance required.

*Term of up to 24 months. Effective for a limited time only. Subject to credit approval. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

Insured by NCUA.
*Offer subject to credit approval. Rate based on creditworthiness. Disclosed rates are subject to change at any time and may vary based on credit history, term, and relationship with the credit union.
ǂ Excludes refinancing of existing EMUCU recreational loans.


Federally Insured by the NCUA. A $30 fee may be imposed for covering overdrafts created by check, ACH, in-person withdrawal, ATM withdrawal, or other electronic means. Whether your overdrafts will be paid is discretionary, and we reserve the right not to pay if your account is not in good standing.

† Subject to credit approval. Additional limitations, terms and conditions apply. The following transaction fees apply, 1% for foreign transactions, $2 for non-EMUCU/Co-Op ATM transactions and $2 for each overdraft transfer.

**A savings account is required to open a debit/checking account. The minimum balance required to open a savings account is $5.00. The current savings account Annual Percentage Yield of 0.05% is a variable rate and may change at any time.

***Must be an EMU student to be eligible to receive a free sweatshirt. Offer valid until 9/30/21 or while supplies last. Checking account must be open and in good standing at the time sweatshirt is mailed out.


*During our promotional period from of January 1 through March 31, 2022, the offer of 0.00% interest rate for 6 months applies to balances transferred from another financial institution, with no balance transfer fee. The balance will transfer to your choice of a Visa Platinum Optimum or a Visa Platinum Cash Rewards credit card. Following the balance transfer, you may also use your VISA credit card to make additional purchases at 0.00% during the promotional period. After the 6-month term, if the balance is not paid in full from the transfer or new purchases, an adjusted APR of 8.99% to 18.99% will be applicable on the remaining balance depending on the Visa card program selected. Monthly payments during the promotional period will go towards paying down the highest interest rate balance first. The 6-month period begins on the posting date of each transaction. For new applicants offer subject to credit approval, rate based on creditworthiness. Promotions, rates, terms and conditions are subject to change without notice.
Insured by NCUA.
*APR as low as 9.75%. Subject to credit approval. Rate based on creditworthiness. Promotion valid through 1/31/22. Maximum 60-month term loan up to $50,000 unsecured. Excludes refinancing of existing UMCU loans.

NEW BRANCH OPENING MICHIGAN MEDICINE*AUTO: Offer subject to credit approval. Rate based on creditworthiness. Promotions, rates, terms and conditions are subject to change without notice. Refinances of existing EMUCU loans are excluded from the promotion. Promotion valid through 02/07/2022. Floor rate/Minimum of 1.74% applies. 
**MORTGAGE: Offer subject to credit approval. Rate based on creditworthiness. Additional limitations, terms and conditions apply, and are subject to change without notice. Borrower closing costs typically include, but are not limited to, the appraisal fee, title insurance, credit report fee and loan origination fee. Promotion valid through 02/07/2022. Property insurance required. Flood insurance may be required. Contact EMUCU at 800-968-8628 or visit for more information about credit costs and terms. NMLS #712343. Equal Housing Opportunity. Refinances of existing EMUCU loans are excluded from the promotion.
***CERTIFICATE: Minimum $500 deposit, 6-month term, new deposits only. Bonus 0.25% APY is in addition to EMUCU’s current certificate rates. Promotions, rates, terms and conditions are subject to change without notice. Promotion valid through 02/07/2022. Penalty applies for early withdrawal. APY = Annual Percentage Yield.