Various deals reward your membership.

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

Shop Local Give Local with your EMUCU credit card!
Starting November 1st through December 31st, 2021, EMUCU is matching one percent of the total sales made by our members at participating local businesses, up to a grand total of $5,000, and donating it to SOS Community Services!
Every time you make a purchase with your EMUCU Visa Platinum Optimum or Visa Cash Rewards credit card at participating local businesses this holiday season, you’re helping EMUCU and SOS Community Services provide comprehensive services to families, individuals, and children to promote housing stability and family self-sufficiency.
As an added bonus, EMUCU is giving away $1,000 to five lucky members! When you use your EMUCU credit card at participating businesses, you will be entered into our raffle for a chance to win. 

See a full list of participating local businesses below!

Let’s shop and dine for a good cause this holiday season!
Click here for Official Rules.
If you are a participating business in the Shop Local Give Local campaign, you can find the official rules for the participating vendor raffle here.
Don’t have an EMUCU Visa Credit Card?
EMUCU's low‐rate credit cards give you maximum buying power. Save with a lower interest rate, or choose to earn cash‐back rewards. EMUCU offers credit card options that fit your needs with competitive rates, no annual fee, and high-tech security.
Learn more about our Visa Platinum Optimum credit card with rates as low as 8.99% APR. 
Learn more about our Visa Platinum Cash Rewards credit card with rates as low as 12.99% APR.

Click any of the cities below to see a full list of participating local businesses in your area or click any of the following maps to see where they're located!
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 1.99% 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.


Insured by the NCUA. 
*A charitable donation of 1% applies during the promotional period of November 1, 2021, until December 31, 2021, for merchandise purchased at participating vendors. This promotion applies for UMCU Visa Optimum and Visa Platinum Cash Rewards cards only. For each qualifying transaction, the University of Michigan Credit Union will apply 1% to the total sale, and present SOS Community Services with a one-time payment of the sum of those qualifying transactions, up to a total amount of $5,000, after the promotional period has expired. Additionally, each qualifying transaction will automatically enter the credit card holder into a giveaway to win a grand prize of $1,000. (5 grand prize winners total) No purchase necessary to enter. For official rules contact UMCU or visit