Updated November 18, 2020 at 4:30 p.m.

As we continue to proactively monitor updates about COVID-19, we have determined, based on the best health and safety guidance, that the current situation requires immediate attention. For the well-being of our members and team members, effective Wednesday, November 25, 2020, the following branches will be available to our members, providing Drive-Thru services only, and introducing Drive-Thru Pickup.
 
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.

While our lobby services will not be available until further notice, you can schedule a Drive-Thru Pickup appointment at our Bristol Road, Jackson Road and South State Street branch locations only.

This service allows you to make cash withdrawals, get a replacement card, open an account, apply for a loan, initiate a wire transfer, have documents notarized, close an account, and much more.

When you schedule an appointment through the online form, a team member will contact you based on your preferred method of contact (phone or email). We will work with you to establish a date, time, and location for an appointment. You will receive a confirmation email with the details of your appointment.

To make a Drive-Thru Pickup appointment, click here.
 
Please note that the following branches will not be open until further notice:
Plymouth Road
William Street
Michigan Union
Pierpont Commons
EMU Student Center
U-M Dearborn
Genesee County Building
Genesys Health Park

EMUCU Headquarters offices are also not open until further notice. 
 
We encourage you to access your account 24/7 using the EMUCU mobile apponline banking at EMUCU.org, and ATMs. Please also contact us during our regularly-scheduled business hours by calling our Contact Center at 866-923-2385 or emailing us at umcu@umcu.org.

Please note: EMUCU ATM daily withdrawal limits have been adjusted so members can do multiple withdrawals up to $1,500 a day rather than just $500.
  
We will provide further updates and detailed information as the situation develops. As a reminder, you can find all of EMUCU’s Coronavirus updates on our website here.
 
Together, we are going to make it through this challenging time. As our valued member, we want you to know your well-being and success are always our priority.



Updated June 6, 2020 at 10:00 a.m.

The safety and well-being of our members and team members is always our top priority. We stand together with you against racism, prejudice, and injustice, and we aim to support you during the ongoing pandemic of covid-19. With this in mind, we want to provide an update related to the re-opening of EMUCU branch lobbies.
 
Starting Monday, June 15th, the following EMUCU branch lobbies will be accessible by appointment only:
 
Plymouth Road
William Street
South State Street
Jackson Road
Carpenter Road
Bristol Road

To ensure the health and safety of our members and team members, there will be guidelines in place that we ask you adhere to while visiting our branches, including:

  • Face Masks – Please wear a face mask at all times while inside the branch. We can provide a mask if you do not have one.
  • Drive-Thru Lanes – If you prefer not to wear a mask, we ask that you please use the drive-thru lanes available at our South State Street, Jackson Road, Carpenter Road and Bristol Road branches.
  • Six-foot Distance – Please maintain a safe 6-foot distance between you and others at all times. There will be star graphics on the floor for your convenience marking 6 feet between each star.
Members will not be able to enter the branch lobby without a previously scheduled appointment. You may submit a request to schedule an appointment starting today (6/5), for June 15th or later.
 
To request an appointment, please click the following link, complete the form and a member of our team will reach out to coordinate with you: https://secure2.umcu.org/appointment/EMUCU/memberAppointment.aspx
 
As always, you can access your account 24/7 using online banking, the EMUCU mobile app or any CO-OP Network ATM. During regularly-scheduled business hours, you can call our Contact Center at 800-968-8628.
 
Thank you for your patience and understanding as we work through this together. We are excited to start serving you in-person again and will continue to provide updates.


 

Updated May 11, 2020 at 1:47 p.m.
Your well-being is our top priority and, together, we will get through these challenging times. 
 
With the constantly changing landscape and the stay at home order recently extending to May 28th, many local organizations and businesses have been left to make tough decisions and changes as they shift their business strategies. 
 
Though we understand you may not have needed help in the past, we wanted to remind you that we’re here for you. Click here to see all of the Financial Relief Assistance options available to you.
 
If you have any questions or would like to discuss your options, EMUCU representatives are available by calling 800-968-8628, emailing umcu@umcu.org or through the messaging feature on the EMUCU mobile banking app.
 
Drive-through service is still available at select EMUCU branch locations including Jackson Road, State Street and Carpenter Road in Ann Arbor or Bristol Road in Flint. We also want to remind you there are multiple ways to access your account, deposit checks, make transfers, pay bills and more with these social distancing banking solutions.
 
As you purchase groceries for your family, order items online from local businesses or pick up supplies at the hardware store, we hope you will consider keeping your EMUCU Visa credit card at the top of your wallet. With no annual fee, low interest rates and the opportunity to earn cash back on all purchases with the EMUCU Visa Cash Rewards card, your EMUCU credit card is a great go-to card of choice.
 
Together, we’re going to make it through this uncertain time, and your well-being and success will always be our priority.



Updated April 21, 2020 at 9:00 a.m.
We’re here for you. As you start deciding what to do with the funds from your stimulus check, EMUCU’s Financial Education Specialist is here with helpful suggestions to consider. Click here to watch the latest video in our Financial Wellness series. 


Updated April 16, 2020 at 4:04 p.m.
EMUCU is committed to being a source of support and reliable information for our members. As the federal government starts sending stimulus checks to millions of Americans this week, we wanted to provide you with information about what to expect, easy methods to deposit your check, resources that can help you decide how to use the money, and more.

HELPFUL RESOURCES
We encourage you to attend EMUCU’s new financial wellness webinar that covers topics including the CARES Act and strategies to help you manage your money during this crisis. You can find an upcoming schedule of our webinars and register for them on our website here.

EMUCU is also providing one-on-one financial counseling by phone to discuss any high priority issues or concerns you may be having during this time with our Financial Education Specialist. You can schedule an appointment here: https://bit.ly/3er8f3q

RECEIVING YOUR CHECK
The first round of economic stimulus checks was scheduled to be issued starting mid-April, for those individuals with direct deposit information already on file with the IRS or Social Security. The issuance of paper stimulus checks will follow, and that process is expected to begin in May and continue throughout the summer.
 
DEPOSITING YOUR CHECK WHILE SOCIAL DISTANCING 
If you are expecting to receive a paper check from the IRS, we want to remind you of the quick and easy ways you can deposit it into your EMUCU account.
 
EMUCU Mobile Banking App – the remote check deposit feature on the mobile app allows you to conveniently deposit checks using your smartphone or tablet! Click here to watch a full tutorial.

ATMs - EMUCU has ATMs available that allow you to deposit checks right to your account. See a full list of our ATMs here. As an EMUCU member, you also have free access to any of the 30,000 CO-OP Network ATMs that are available nationwide. Click here to find a CO-OP ATM near you.

Branch Drive-thru - Though we encourage you to try one of the above methods, our branch drive-thru locations are also available. Click here to see available locations. 

If you have any questions or concerns regarding the stimulus check, please call our Contact Center at 800-968-8628 or email umcu@umcu.org.

Stay healthy and stay safe. Together, we're going to make it through this.



Updated April 14, 2020 at 4:43 p.m.
As we continue to put the safety and well-being of our members and team members at the forefront, we wanted to remind you there are multiple ways to access your account, deposit checks, make transfers, pay bills and more while you're social distancing.

Click here to view our Social Distancing Banking Solutions and see all the ways you can stay connected.

To enroll in online banking, click here.

To see full tutorials for features on our mobile banking app, click here.

To find a full list of EMUCU ATMs, click here or find a CO-OP Network ATM near you here.

If you have any questions or need assistance, please call our Contact Center at 800-968-8628 or email umcu@umcu.org.


Updated April 8, 2020 at 3:39 p.m.
Your well-being is our priority. As we work together, we will get through these challenging times. Our purpose has always been and continues to be to work together for our shared success.
 
We want to assure you that EMUCU is here for you. The following services and products are available to you and you can find more details by clicking this link.

  1. EMUCU representatives are available via phone at 800-968-8628, via email at umcu@umcu.org and via the mobile app
  2. EMUCU representatives are available at our drive-through branch locations
  3. For payment relief, please contact us regarding our loan skip-a-payment program
  4. For Visa limit increases for current EMUCU credit card holders, please contact us
  5. For refinancing loans from other financial institutions, we have low-rate products available and no payment is required for the first 60 days
  6. For supplemental cash, our Helping Michigan loan is available
  7. For balance transfers, our low-rate Visa credit cards are available
  8. Financial education sessions and one-on-one discussions are also available

  
Also, as a reminder, your money is safe at EMUCU and is insured up to $250,000 by the National Credit Union Administration (NCUA), an independent agency of the U.S. government. Learn more about the NCUA at www.ncua.gov
 
Additionally, the Federal Trade Commission (FTC) has issued guidance to protect yourself from fraud which can be found on their website here: https://www.consumer.ftc.gov/features/coronavirus-scams-what-ftc-doing. EMUCU will not send emails or call you asking for your full account number and/or social security number. 
 
Together, we are going to make it through this challenging time. As our valued member, we want you to know your well-being and success are always our priority.

Updated April 8, 2020 at 2:52 p.m.
EMUCU is here for you and ready to help in any way we can.

As part of that commitment, we are pleased to announce the new Helping Michigan Loan. With this loan, you can receive a low-rate personal loan* at 8.99% APR (fixed) for up to $2,000.

Please call our Contact Center at 800-968-8628 to discuss your options with an EMUCU team member.


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 apponline 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 apponline 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 ATMsonline 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 apponline 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 ATMsonline 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 RoadJackson RoadSouth State StreetBristol Road) and our team members will be happy to assist. 

As always, you can access your account 24/7 using ATMsonline 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 ATMsonline 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. 

Click here for Financial Relief Assistance Options.

Click here to view Social Distancing Banking Solutions.


Click here to schedule a drive-thru pickup appointment. 
 

Various deals reward your membership.

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


SHOP LOCAL GIVE LOCAL WITH EMUCU!

Starting November 1, 2020, through December 31, 2020, EMUCU is matching one percent of the total sales, up to a grand total of $5,000, made by our members at participating local businesses and donating it to the Michigan Foster Care Closet! Be sure to use your EMUCU Visa Platinum Optimum or Visa Cash Rewards credit cards at participating local businesses listed below this holiday season, and help EMUCU and the Michigan Foster Care Closet provide basic essentials for foster children and families.
 
As an added bonus, EMUCU is also giving away $1,000 to five lucky members! Every time our members use their EMUCU credit cards at participating vendors, they will be entered into our Shop Local Give Local Giveaway!
 
Don’t have an EMUCU Visa Credit Card?

YPSILANTI
Black Stone Book Store 
Ypsilanti Running Company 
OJ’s Beauty Supply LLC – EMUCU Members receive 5% discount!
24th Cheesecakerie
MAIZ Mexican Cantina
The Rocket
Sidetrack Bar & Grill - Free Burger Mondays - Buy one burger, get one free!
Go Ice Cream
Decode Ypsilanti

ANN ARBOR
Spun
Ann Arbor Running Company 
Underground Printing 
The Bo Store 
Thrive Juicery (Liberty St.)
Gratzi 
The Chop House 
Real Seafood Company 
Palio 
Carson’s American Bistro 
Roeda Studio 
Found Gallery  
Parrish Framing 
Catching Fireflies 
Frita Batidos 
Le Bon Macaron 
RoosRoast Coffee 
Nicola’s Books 
University Flower Shop 
Bivouac 
Imagine Three Beauty Studio 
Priceless Preservation 
Seva Restaurant – Half off all wine every Tuesday!
The Lunch Room Bakery & Café 
Detroit Street Filling Station 
Vault of Midnight 
Oz’s Music –
Lewis Jewelers – 10% off in-stock items
Jerusalem Garden 
Thistle & Bess 
The Grotto Watering Hole - 20% off of everything Monday - Friday, 3-6pm
Regents Field
Cherry Republic - 10% off wine quartets
Dixboro General Store
Downtown Home & Garden
Dbts Skin Bar, LLC - Free shipping on orders $100+, Free gift with purchase on orders $150+
B Young B Fit LLC
Black Diesel Coffee
Crazy Wisdom Bookstore
Collected Works
SpaLyfe Ann Arbor - Discounts on candles and tea cans
Real Irish
Underground Sounds
Abracadabra Jewelry - Free lifetime appraisal with any purchase over $500 value
Apples & Oranges
The M Den - Buy $100 in gift cards, receive $20 bonus gift card
Carlyle Grill
16 Hands
Mudpuddles Toys
Sweetwaters Coffee & Tea (Washington Street, Westgate, U-M Union, Plymouth Green, A2 Saline Rd, and Kerrytown)
Ten Thousand Villages
The Earle Restaurant
Decode Ann Arbor
Bløm Meadworks
People's Food Co-op

SALINE
Cobblestone Rose 
McPherson Local 
Carrigan Café 
Enchanted Oven - Special discount on one dozen cupcake orders
Cheese Shop of Saline

DEARBORN
Detroit Book City - 20% off Holiday Sale
Dearborn Music  
Brome Modern Eatery
Decode Detroit

FLINT
Latina Restaurant and Pizzeria 
Complete Runner 
Fireside Coffee Company 
Flint Coffee Company 
SHIFT 
Shumaker’s Ski & Snowboard 
Rocky’s Great Outdoors

The Split Mitt


EMUCU TOYS FOR MOTT TOY DRIVE - VIRTUAL

Our annual toy drive for C.S. Mott Children’s Hospital is back and virtual! Toys for Mott, which collects toys and monetary gifts to donate to C.S. Mott patients and their families, will accept virtual donations until December 11th. 
 
These donated gifts allow patients and their families to experience the joy of the holidays by picking out their favorite toys. 
 
C.S. Mott Children’s Hospital has two online wish lists where you can purchase items on Amazon and Target and they will be sent directly to the hospital. 
 
Amazon: https://www.amazon.com/gp/registry/wishlist/JDMBTCG7VOOY
 
Target: https://www.target.com/gift-registry/ 
Searchable under First Name: Mott Last Name: Hospital
 
Please select C.S. Mott Children’s Hospital’s address at checkout to have the items delivered directly. 
 
If you prefer to donate monetarily, all EMUCU Branch and Contact Center Representatives can assist with monetary donations. 



UMS VIRTUAL EVENTS

EMUCU is dedicated to bringing the arts to you. As a special benefit of our partnership with UMCU, UMS and Arts Adventure, we are pleased to provide our members and community with access to UMS’s digital event presentations featuring virtual performances for everyone to enjoy.  
 
Handel's Messiah -- Digital Mixtape
Streaming On Demand December 6-31, 2020
Ann Arbor's favorite holiday tradition goes digital! UMS Choral Union Music Director Scott Hanoian joins Michael Kondziolka, UMS’s Vice President of Programming and Production, for a special program that includes a watch party featuring favorite and memorable archival recordings of Handel's Messiah, special performances from guest artists, and virtual choir excerpts pre-recorded by the UMS Choral Union.  



EXCITING LOAN OFFERS

AUTO LOANS: Get to where you want to go in your ideal car by taking advantage of a new to EMUCU auto loan with rates starting as low as 2.24% 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. 

RECREATIONAL VEHICLE LOANS: 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!

 

DELTA DENTAL - EXCLUSIVE MEMBERSHIP BENEFIT

We are pleased to announce we are now offering dental coverage through Delta Dental of Michigan to our members! This exclusive benefit will begin open enrollment on October 1st for coverage to take effect in November. 
 
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 member-only benefit that improves not only your health but saves you money.

Click here to learn more and get started. 


SHOP LOCAL GIVE LOCAL
Insured by the NCUA. A charitable donation of 1% applies during the promotional period of November 1, 2020, until December 31, 2020, for merchandise purchased at participating vendors. This promotion applies to EMUCU Visa Optimum and Visa Platinum Cash Rewards cards only. For each qualifying transaction, the Eastern Michigan University Credit Union will apply 1% to the total sale, and present the Michigan Foster Care Closet 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). For official rules contact EMUCU or visit emucu.org.Official Rules can be found here.
If you are a participating local business in Shop Local Give Local campaign, you can find the official rules for the participating local business raffle here.


SOUTH UNIVERSITY OPENING

Insured by NCUA.
*Must be an EMU student, U-M student, or WCC student to be eligible to receive a free sweat shirt, Offer valid until 11/20/20 or while supplies last. Debit/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.
**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.
*** Through 11/20/20, each new student member will be automatically entered into a giveaway to win one of three $500 M-Den gift cards. No purchase necessary to win. For official rules contact EMUCU or visit emucu.org.


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.

HELPING MICHIGAN LOAN
*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.

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.