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Young Members

University of Michigan Credit Union knows the importance of good savings habits at any age. That’s why we offer several programs to help develop these valuable skills. Discover how your son or daughter can enroll in one of our many programs that show youth extra ways to save and shop. Check out our Penny Pioneer, Financial Fitness, and Independent Edge accounts. Youth and their parents may explore our online magazines below to learn about fun ways to earn and save money.


      Elementary School                               Middle School                 


            High School                                 After High School

Independent Edge

UMCU's Independent Edge™ program is a series of no-cost, in-depth financial education presentations for teen members 16, 17, and 18 years old. Teens will learn about managing a checking account, budgeting, using credit wisely, and electronic account access.

Upon successful completion of the course, your teen may be given the option to:

  • Remove the parent from his/her account
  • Open a checking account with a debit card (certain restrictions may apply)
  • Register for MemberNet Online Banking and TellerPhone
  • Apply for a Visa credit card with a $500 credit limit (only with a qualified co-signer)

The class is held at our Jackson Road branch from 10:00 a.m. - 2:00 p.m.  All materials and snacks will be provided. 

Class size is very limited, so please register your son or daughter quickly by calling 734-662-8200 or by clicking the button below to enroll online. We will then send you a confirmation notice along with a parent consent form and participant agreement which must be completed and brought to the first class. Due to the popularity of the Independent Edge™ program, only teens who have accounts with us will be added to the registration list.

Independent Edge™ is a fun and very beneficial program, and we look forward to meeting your teen.

UMCU Online Banking loginUMCU Financial Calculators
To report your Visa credit/debit card lost/stolen after hours call: 1-800-991-4965
Equal Housing Opportunity National Credit Union Administration
Federally Insured by NCUA.
734-662-8200 or 800-968-8628