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  • Paid interest may be withdrawn at any time without penalty.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.


UMCU Online Banking loginUMCU Financial Calculators
All UMCU offices will be closed on Monday, May 30th. You may access your account through mobile and online banking.
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