We have the mortgage for your dream home.

EMUCU offers competitive rates, a wide range of mortgage options and an easy application process. Just as importantly, we can help lead you to a loan that will make you just as happy as your new home.

  • Flexible terms are available with 10, 15, 20, and 30-year fixed rates
  • Conventional and Jumbo loans
  • Competitive rates and closing costs
  • Refinance existing homes
  • Free pre-approval, so you can shop for your home knowing what you can afford
  • No application fee
  • Make monthly payments with automatic deduction from your checking
  • Discount points available to lower your interest rate
  • Subject to credit approval; normal credit standards apply
EMUCU NMLS #712343
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Insured by NCUA
EMUCU is a division of University of Michigan Credit Union.
*Offer subject to credit approval. Rates vary based on credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. **Cannot be combined with any other offer or discount.

Are you buying?

Acquiring the right loan can make your home purchase more affordable. EMUCU offers fixed-rate mortgages ranging from 10 to 30 years. Those looking for lower monthly payments in the early years of home ownership should look into our attractive adjustable-rate mortgage offerings.


Building a home?

Your dream home's blueprint should include an EMUCU loan. We have many years of experience with construction loans. One easy application can give you a loan that covers your costs all the way through the building process.



Do you love your current house but not your current mortgage? EMUCU is committed to helping you find a solution that better suits your current financial situation. We'll do everything we can to lower your interest rate or reduce your monthly payments.


First-time homebuyer?

Special financing provides opportunities to first-time buyers. We'll introduce you to mortgage options that have lower down payment requirements, flexible credit rating standards and other financial advantages.




NMLS #1729247

[email protected]

800-968-8628 ext. 2471



NMLS #1576392

[email protected]

800-968-8628 ext. 2304



NMLS #1941284

[email protected]

800-968-8628 ext. 2818

Credit Cards

Whether you're looking for a lower interest rate card or one with a cash-back bonus, EMUCU has credit card options that will fit your needs.

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What our members are saying

We've refinanced our mortgage a few times and have had a couple of home equity loans with EMUCU. It has always been easy to get these done and the staff is very helpful! M.B., Member Since: 1987

Already a Member?

Enjoy the benefits of your EMUCU membership by taking advantage of our special offers!

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Become a Member!

Start enjoying all of the exclusive benefits a EMUCU membership offers today!

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