CORONAVIRUS UPDATE
Updated March 24, 2020 at 4:00 p.m.
Due to the state mandated stay at home order protocol surrounding COVID-19, and in the interest of the health and well-being of our members and team members, the EMUCU Annual Meeting will proceed as a conference call.

The EMUCU Annual Meeting Conference Call will be held on Tuesday, March 24, 2020 at 5:00 p.m. EST. Both members and team members are invited to participate. To join the conference, please call into 1-510-338-9438. The access code is 624 071 958.

Thank you for being a valued member.

Sincerely,
EMUCU

Updated March 23, 2020 3:05 p.m.
We continue to monitor updates about COVID-19, and for the safety of our members and team members, effective Tuesday, March 24, 2020, the following branches will be available to our members and will be providing drive-through services only.
 
South State Street Drive-thru Hours
Monday – Friday: 8:30 a.m. – 6:00 p.m.
Saturday: 9:00 a.m. – 2:00 p.m.
 
Jackson Road Drive-thru Hours
Monday – Friday: 8:30 a.m. – 6:00 p.m.
Saturday: 9:00 a.m. – 2:00 p.m.
 
Carpenter Road Drive-thru Hours
Monday – Friday: 8:30 a.m. – 6:00 p.m.
Saturday: 9:00 a.m. – 2:00 p.m.
 
Bristol Road Drive-thru Hours
Monday – Friday: 8:30 a.m. – 6:00 p.m.
Saturday: 9:00 a.m. – 2:00 p.m.
 
Please note that the following branches will not be open until further notice:
EMU Student Center
William Street
Michigan Union
Pierpont Commons
Plymouth Road
U-M Dearborn
Genesee County Building
Genesys Health Park
 
EMUCU's Headquarters Office will also not be open until further notice.
 
We encourage you to access your account 24/7 using the EMUCU mobile app, online banking and ATMs. Please also contact us during our regularly-scheduled business hours by calling our Contact Center at 800-968-8628 or emailing us at umcu@umcu.org.

Also, we're here to help. We have programs and services available that can help ease the impact of unexpected disruption of income such as our loan skip-a-payment program* as well as the opportunity for a credit limit increase to members who are current EMUCU Visa credit card holders. If you are in need of assistance, we encourage you to call our Contact Center at 800-968-8628 and an EMUCU team member will help discuss your options. 

Additionally, we offer low-rate products that can help support or supplement your finances as well. Quickly and easily apply for any of the below offers through EMUCU’s mobile banking app, online banking or by calling 800-968-8628.

  • Save money with a low rate Visa Platinum Optimum starting at just 8.99% APR or earn cash back monthly on all purchases with a Visa Platinum Cash Rewards credit card starting at just 12.99% APR
  • Take advantage of an auto loan with rates starting as low as 1.99% APR** (applicable for new purchases and refinancing from other institutions)
  • Enjoy a low rate recreational vehicle loan starting as low as 3.99% APR** (applicable for new purchases and refinancing from other institutions)
  • Use the equity in your home to consolidate debt, pay for educational expenses and more with no closing costs on a home equity line of credit***

As a reminder, you can always access your account 24/7 using ATMs, online banking or the EMUCU mobile app. We continue to follow guidelines and best practices to ensure the safety and well-being of our members, team members and communities we serve.
 

Updated March 18, 2020 at 3:00 p.m.

As the Coronavirus continues to affect the country and economy, we understand that these can be difficult times. If you have been impacted by events caused from COVID-19, please remember we are here to help you.

We have programs and services available that can help ease the impact of unexpected disruption of income such as our loan skip-a-payment program* as well as the opportunity for a credit limit increase to members who are current EMUCU Visa credit card holders. If you are in need of assistance, we encourage you to call our Contact Center at 800-968-8628 and an EMUCU team member will help discuss your options. 

Additionally, we offer low-rate products that can help support or supplement your finances as well. Quickly and easily apply for any of the below offers through EMUCU’s mobile banking app, online banking or by calling 800-968-8628.

  • Save money with a low rate Visa Platinum Optimum starting at just 8.99% APR or earn cash back monthly on all purchases with a Visa Platinum Cash Rewards credit card starting at just 12.99% APR
  • Take advantage of an auto loan with rates starting as low as 1.99% APR** (applicable for new purchases and refinancing from other institutions)
  • Enjoy a low rate recreational vehicle loan starting as low as 3.99% APR** (applicable for new purchases and refinancing from other institutions)
  • Use the equity in your home to consolidate debt, pay for educational expenses and more with no closing costs on a home equity line of credit***

As a reminder, you can always access your account 24/7 using ATMs, online banking or the EMUCU mobile app. We continue to follow guidelines and best practices to ensure the safety and well-being of our members, team members and communities we serve. 


Updated March 16, 2020 at 3:15 p.m.
For the safety of our members and team members, due to COVID-19, effective Tuesday, March 17, 2020, all EMUCU branch lobbies will be available by appointment only. To schedule an appointment, please email your respective branch's email address (below) and a member of our team will reach out to coordinate with you.

We sincerely apologize for any inconveniences this may cause. You can also visit any of our branches with a drive-thru (Carpenter Road, Jackson Road, South State Street, Bristol Road) and our team members will be happy to assist. 

As always, you can access your account 24/7 using ATMs, online banking, or the EMUCU mobile app. During regularly-scheduled business hours, you can call our Contact Center at 800-968-8628.

ANN ARBOR
Carpenter Road: carpenter@umcu.org
Jackson Road: jacksonbranch@umcu.org
South State Street: state@umcu.org
William Street: Ewilliam@umcu.org
Plymouth Road: plymouth@umcu.org
Michigan Union: union@umcu.org
Pierpont Commons: PierPont@umcu.org

FLINT
Bristol Road: bristol@umcu.org
Genesee County: countyadmin@umcu.org

Updated March 13, 2020 at 3:30 p.m. 
The safety of our members, team members and the communities we serve is our top priority. We continue to proactively monitor the Coronavirus situation and are following guidelines from the Center for Disease Control and Prevention (CDC), the World Health Organization (WHO), U.S. Department of State, and the State of Michigan. 

As a reminder, relevant signs of the virus include a cough, fever greater than 100.4 degrees and shortness of breath. Anyone experiencing these symptoms should not go into a branch and contact their medical provider. We are committed to sharing important updates and keeping our members informed. The State of Michigan has a dedicated website to provide updates to the Michigan community at MDHHS Coronavirus. In addition, the health information office at UC Davis developed a helpful video about Coronavirus. 

Safeguards regarding the spread of Coronavirus
Person-to-person spread of the Coronavirus in the United States has been detected. The best way to prevent infection is to avoid being exposed to the virus. Practice these good prevention strategies: 

  • Wash hands frequently with soap and water for at least 20 seconds. Use hand sanitizer if you don't have soap and water. 
  • Cover coughs and sneezes with a tissue or your elbow and sleeve.
  • Stay away from others if you or they are sick; maintain a six-foot distance.
  • Clean and disinfect frequently-touched surfaces.
As always you can access your account 24/7 using ATMs, online banking or the EMUCU mobile app. Our branch inside the EMU Student Center  is currently closed due to Eastern Michigan University closing campus buildings. However, during our regularly scheduled business hours, you can also visit our UMCU branches or call our Contact Center at 800-968-8628.

If you have been impacted by recent events caused from COVID-19, remember that we’re here to help. Please call us at 800-968-8628, email umcu@umcu.org or send a secure message through online banking or the mobile app if you need assistance. We can discuss options available that may help ease the financial impact of an unexpected income disruption such as short-term loans, loan skip-a-payment programs, and more.

We will continue to monitor this evolving situation and are planning for potential impacts to services and operations should the outbreak spread. We have specific plans for emergency and contingency services to our members that will emphasize the safety of our members and team members. We will provide further updates and detailed information as the situation develops. 

 

Various deals reward your membership.

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

 

ZERO PERCENT VISA BALANCE TRANSFER

Starting January 2nd through March 31st, 2020, take advantage of 0% APR* for the first six months when you transfer a balance from another financial institution to either an EMUCU Visa Platinum Optimum or Visa Platinum Cash Rewards credit card! Plus, enjoy 0% APR on new purchases through March 31, 2020. With 0% interest, you can get the weather you really want, find relief from your high interest credit cards and more!

Click here to apply and get started today!

You can also apply through the loan app feature on your EMUCU mobile banking app!


NEW BRANCH OFFERS

In celebration of EMUCU's growth, you can take advantage of any or all four of these exciting, limited-time offers now through March 31, 2020!

REFER A MEMBER
Increase your chances of spending 30 seconds in EMUCU's Cash Tornado filled with $1,000 by inviting your friends to celebrate too! For every friend that you refer to open an EMUCU account, you will receive an entry*. BONUS: if chosen, you AND the friend you referred will have the opportunity to grab some cash!

AUTO LOAN
Drive off the lot in the car you've been wanting for less! You can enjoy the ride of buying your next new or used car by taking advantage of a lower monthly payment with an auto loan as low as 2.00% APR**. Plus, you will be entered for the chance to win free car washes for a year, and for additional entries, you can post a photo of you and your car on Instagram with #EMUCUGoesEverywhere.

SPECIAL CERTIFICATE
If you have funds sitting in a non-EMUCU account that aren't moving you forward, it's time to make your money work as hard as you do. Start reaching those long-term savings goals and watch your money grow with a 2.00% APY*** 24-month Special Certificate.

EARN $100
It pays to become a new member at EMUCU! Receive $100 deposited to your account when you open a savings account, basic**** checking account and use your debit card 10 times in the first 60 days.

 

TURBOTAX MEMBER DISCOUNT

Save money filiing your taxes this year with an exclusive EMUCU member discount to TurboTax. Click here to learn more and get started!


VISA BALANCE TRANSFER
*APR=Annual Percentage Rate.
**During our promotional period from January 2 through March 31, 2020, 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 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% through March 31, 2020. After the 6-month term, if there's any remaining balance from the transfer, an adjusted APR will be applicable depending on the Visa card program selected. Monthly payments during the promotional period will go towards paying down the highest interest rate balance first. Offer subject to credit approval. Call 734-487-1033 to ask an EMUCU employee for further information about the terms and fees. 
  
NEW BRANCH OFFERS
  *Between March 9 through March 31, 2020, you will receive one combined entry (you and your referred new member) for each new member you refer for a chance for you and your referred new member to each spend 30 seconds and grab cash in EMUCU’s Cash Tornado. Your referred new member must meet the following criteria: 
1) He or she must not have an existing account or a prior account closed in the past 30 days at the time of account opening with EMUCU, 
2) He or she must open a regular share savings account with a $5 deposit and the basic checking account between March 9 through March 31, 2020,
3) He or she must make at least 10 eligible purchases using his or her debit card within 60 days of the account opening date,
4) His or her account must remain open, active, and in good standing for at least 60 days,
5) And he or she must provide your name at account opening.
There is no limit to the number of friends you may refer. Due to the confidential nature, we cannot disclose any information about qualifying accounts opened by the friends you refer. Any bonus won by you or your referred new member will be deposited into his or her basic checking account within 30 days of the cash tornado event, respectively. The current APY for the regular share savings account is a variable rate of 0.05% and may change at any time. Winnings may be reported as income to the IRS on a 1099‐MISC (or Form 1042-S, if applicable). No purchase necessary to enter and win. Ask us for further information about the official rules.
 
**APR=Annual Percentage Rate. APR as low as 2.00%. Maximum APR is 14.50%. Subject to credit approval. Offer valid between March 9 through March 31, 2020. For new members a EMUCU regular share savings account with a $5 deposit must also be opened. The current Annual Percentage Yield for the regular share savings account is a variable rate of 0.05% and may change at any time. No purchase necessary to enter and win. Ask us for further information about the official rules.   
 
***Annual percentage yield with a $500.00 minimum deposit. Rate available between March 9 through March 31, 2020. Early withdrawal penalties apply. Rates not available on IRA Certificates. For new members a EMUCU regular share savings account with a $5 deposit must also be opened. The current APY for the regular share savings account is a variable rate of 0.05% and may change at any time. Other rates and terms available. Ask us for further information about the terms and fees.
 
****Offer is available to new members who do not have an existing or prior account with EMUCU. You must open a regular share savings account with a $5 deposit and the basic checking account between March 9 through March 31, 2020. The current Annual Percentage Yield for the regular share savings account is a variable rate of 0.05% and may change at any time. You must make at least 10 eligible purchases using your debit card within the first 60 days of the account opening date. Account must remain open, active, and in good standing for at least 60 days before it is eligible for the bonus.  Once the offer criteria is met, the bonus will be deposited into your basic checking account within 30 days of meeting the above requirements. EMUCU may issue you an IRS Form 1099-MISC (or Form 1042-S, if applicable), or other appropriate forms reporting the value of the bonus.

Official Refer a Friend Raffle Rules.

Official Auto Loan Raffle Rules.
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.