Updated June 1, 2021 at 4:10 p.m.
The safety and well-being of our members and team members are always our top priority. As we continue to monitor updates about COVID-19 proactively, we want to provide you an update related to the reopening of EMUCU branch lobbies. 
Starting Monday, June 7th, the following EMUCU branch lobbies will be accessible without an appointment:
Bristol Road Branch
Carpenter Road Branch
Jackson Road Branch
South State Street Branch 
William Street Branch
Plymouth Road Branch
South University Avenue Branch
For our campus branch locations, we are adhering to specific building guidelines provided by the universities we serve. Campus branch locations will remain closed until further notice.
Michigan Union Branch
Pierpont Branch
Dearborn Branch in University Center
EMUCU Student Center Branch
Genesee County Branch
Genesys Health Park Branch
University of Michigan – Flint Virtual Branch
We will operate under our normal branch lobby hours:
Monday – Thursday: 9 a.m. - 5:30 p.m.
Friday: 9 a.m. - 6 p.m.
Saturday: 9 a.m. - 2 p.m.
We will still accept appointments. To make a branch lobby appointment, click here. 
We will continue to offer our drive-thru services and drive-thru pickup appointments. You can schedule a drive-thru pickup appointment at our Bristol Road, Jackson Road, and South State Street branch locations. 
Click here to make a drive-thru pickup appointment. 
The current situation still calls for caution, and based on the best health and safety guidance we will require members and team members to adhere to the guidelines we have in place while visiting our branches:

  • Face Masks – Please wear a face mask at all times while inside the branch. If you do not have a face mask, we will provide one to you. 
  • Social Distancing – Please maintain a safe six-foot distance between you and others at all times. There are star graphics on the floor for your convenience to designate six-foot spacing. 
  • Occupancy Guidelines – We’re adhering to occupancy guidelines at all times. 

We encourage you to access your account 24/7 using our EMUCU mobile app, online banking 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.
Thank you for your patience and understanding as we work through this together. 

We're here for you. See what resources we offer to help support you and your financial well-being.

Click here for Financial Relief Assistance Options.

Click here to view Social Distancing Banking Solutions.


Various deals reward your membership.

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


Whether you’re a first-time homebuyer, need a bigger space, or looking to refinance from another financial institution, EMUCU offers a wide range of mortgage options that best fit you with the bonus of $750* off closing costs now through June 30, 2021. Looking to maximize the value of your home? With EMUCU’s Home Equity Line of Credit, you can finance home renovations, educational expenses, or consolidate debt. Plus, with no closing costs on new lines of credit**, you have the flexibility to use your money how you want.

Start today!


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 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!



To celebrate the achievements of the Class of 2021, we are offering special rates for graduating students!


  • Rates as low as 1.49% APR on Auto Loans new to EMUCU*
  • 8.00% APR Personal "My Choice" Loan Special 

Email us at umcu@umcu.org with the subject line, "2021 Grad" to learn more about these exclusive offers. Please include your name and best phone number so a representative can contact you directly. To apply for the offers today, click here!



EMUCU’s Student Account Package is an all-inclusive bundle created with students in mind to make banking simple and convenient. 
The Student Account 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.



Whether you’re new to Online Banking or have an existing account, you must enroll in our new Online Banking or upgraded Mobile App to manage your accounts digitally. Enrollment is a simple, easy process that only takes a few minutes. 
The enrollment process requires your name, last four digits of your social security number, your account number, and birthdate. 
Do you use our Mobile App? During enrollment, you need to update to the newest version of our Mobile App. Depending on your settings, updates may be automatic, or you can manually go to your phone's app store and update the Mobile App. Once updated, you can open and enroll through your mobile device!

Enroll Now! 



We are pleased to announce that we are issuing new Visa debit cards that come with contactless functionality, making your daily purchases not only quicker and easier, but safer with touch-free, tap to pay technology!

  • Your new card will be sent to the mailing address we have on file in early April. It will come with instructions on how to activate your new card, setting up your PIN, and how to utilize the many features of tap to pay, contactless transactions.


  • PLEASE NOTE: Your new debit card cannot be activated or used prior to April 26th.  Therefore, you will continue to use your existing debit card between now and April 26th, 2021. You will need to activate your new card on this date as your existing card card will no longer work effective April 26th.  Detailed activation instructions will be included with your card.  You will receive a separate envelope with a randomly generated pin number. If you would like to change this assigned pin number, you can do so through the automatic phone system when you call you activate your card.  


  • When you receive your new card in the mail, please store it in a safe place until you can activate on the transition date of April 26th, 2021. We will send out another email to notify you of the approaching activation date.


  • If you have a Detroit Lions Debit Card, you will still need to activate the MAIZE design Visa debit card we send. Please use it temporarily until we issue your Detroit Lions Debit Card with tap to pay contactless technology in May. 
We look forward to providing you with the most up-to-date technology.  Please watch our website and your email inbox for more information.




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 member-only benefit that improves not only your health but saves you money.

Click here to learn more and get started. 


Insured by NCUA.

*Offer subject to credit approval.  Additional limitations, terms and conditions apply, and are subject to change without notice. Promotion valid through 06/30/2021 Property insurance required.  Flood insurance may be required. For new members a EMUCU share savings account with a $5 deposit must also be opened. Contact EMUCU at 866-923-2385 or visit umcu.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 a 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.

*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.


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. Actual rate based on creditworthiness


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