Various deals reward your membership.

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

The Possibilities are Endless with EMUCU's 0% Balance Transfer!

 

Now through March 31, 2023, 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, 2023, when you do at least one balance transfer.

 

For more information and to get started, email us at umcu@umcu.org, call 800-968-8628 to speak to a Contact Center Representative, or visit any EMUCU branch location.

 

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

 

nsured by NCUA. 

During our promotional period from of January 1 through March 31, 2023, 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. Finance charges include 1% foreign transaction fee, $2 non-EMUCU/non-Co-op ATM fee, $2 overdraft transfer fee. Daily periodic rates vary from 0.0246% - 0.0520% APR depending on card program selected. For new applicants offer subject to credit approval, rate based on creditworthiness. Promotions, rates, terms and conditions are subject to change without notice. 

 

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.
It’s been years of hard work and dedication, and we’ve been honored to support you financially as your credit union. When you started as a student and opened a student account, you were just beginning your financial and educational journey. Now, as a graduate, we want to celebrate your achievements by extending two special loan offers to mark this momentous occasion.
 
Start a new financial chapter with:
    •    Auto Loans: 0.50% off on auto loans new to EMUCU*
    •    My Choice Personal Loan– 9.75% APR
 
To learn more about these offers, email us at umcu@umcu.org with the subject line: Graduation Promotion. Please provide your name and best contact phone number in your email so we can reach out to you directly to discuss how these offers can best help you.
 
To apply for the offers today, click here!
 
Congratulations Class of 2023!

 
 

MEMBER-EXCLUSIVE BENEFITS

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.

MEMBER 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. 

CUB CLUB
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 shop.DetroitLions.com
  • 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.
 

DETROIT LIONS DEBIT CARD
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 umcu@umcu.org 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.
MORTGAGE AND HOME EQUITY LOAN PROMOTION
Insured by NCUA. *Offer subject to credit approval. Additional limitations terms and conditions apply, and are subject to change without notice. Promotion valid through 9/30/2022. Property insurance required. Flood insurance may be required. For new members an EMUCU share savings account with a $5 deposit must also be opened. Contact EMUCU at 866-923-2385 or visit emucu.org for more information about credit costs and terms. NMLS #712343
**Offer subject to credit approval. Additional limitations, terms, and conditions apply, and are subject to change without notice. EMUCU pays all closing costs. Variable APR as low as 3.50%. Maximum APR is 25.00%. Property insurance required. Flood insurance may be required. For new members, an EMUCU share savings account with a $5 deposit must also be opened. Contact EMUCU at 866-923-2385 or visit emucu.org for more information about credit costs and terms. NMLS #712343.
MEMBER SUPPORT
*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.

RECREATIONAL VEHICLE LOAN
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.
UNLEASH YOUR GREEN

 Insured by the NCUA. 

* 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. 

† Offer subject to credit approval. APR as low as 8.99%; maximum APR is 18.99%, based on your credit worthiness. Additional limitations, terms, and conditions apply, and are subject to change without notice. The following transaction fees apply: 1% for foreign transactions, $2 for non-EMUCU/non-Co-Op ATM transactions and $2 for each overdraft transfer. 

**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. 

***Must be an EMU student to be eligible to receive a free sweatshirt. Offer valid while supplies last. Checking account must be open and in good standing at the time sweatshirt is mailed out. Sweatshirt will be mailed out within 4-6 weeks of account opening. 


GRADUATION PROMOTION
Insured by NCUA.
Special rates valid for one year from date of graduation from an accredited university. Subject to credit approval. Additional limitations, terms, and conditions apply, and are subject to change without notice. 
*Rates as low as 1.49% APR. Acutal rate based on creditworthiness.