University of Michigan Credit Union has savings options to help you make the most of your money. Whether you're looking for a basic savings account, saving for retirement or your next big purchase, UMCU has accounts to fit your needs.

 Fee Schedule


Certificates earn higher, fixed dividends. Certificates require a minimum deposit of $500 to open and you’ll begin to earn interest on your total balance based on interest tier from the date of deposit to the date of withdrawal. With a Certificate:

  • Interest is paid and compounded monthly.
  • Paid interest may be withdrawn at any time without penalty.
  • If you withdraw the principal funds prior to the maturity date, a penalty of 90 days interest will be deducted from the balance of the account.

*Money must not currently be on deposit at UMCU.


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