Updated May 11, 2020 at 1:46 p.m.
Your well-being is our top priority and, together, we will get through these challenging times. 
 
With the constantly changing landscape and the stay at home order recently extending to May 28th, many local organizations and businesses have been left to make tough decisions and changes as they shift their business strategies. 
 
Though we understand you may not have needed help in the past, we wanted to remind you that we’re here for you. Click here to see all of the Financial Relief Assistance options available to you.
 
If you have any questions or would like to discuss your options, UMCU representatives are available by calling 800-968-8628, emailing umcu@umcu.org or through the messaging feature on the UMCU mobile banking app.
 
Drive-through service is still available at select UMCU branch locations including Jackson RoadState Street and Carpenter Road in Ann Arbor or Bristol Road in Flint. We also want to remind you there are multiple ways to access your account, deposit checks, make transfers, pay bills and more with these social distancing banking solutions.
 
As you purchase groceries for your family, order items online from local businesses or pick up supplies at the hardware store, we hope you will consider keeping your UMCU Visa credit card at the top of your wallet. With no annual fee, low interest rates and the opportunity to earn cash back on all purchases with the UMCU Visa Cash Rewards card, your UMCU credit card is a great go-to card of choice.
 
Together, we’re going to make it through this uncertain time, and your well-being and success will always be our priority.



Updated April 21, 2020 at 8:55 a.m.
We’re here for you. As you start deciding what to do with the funds from your stimulus check, UMCU’s Financial Education Specialist is here with helpful suggestions to consider. Click here to watch the latest video in our Financial Wellness series. 


Updated April 16, 2020 at 4:04 p.m.
UMCU is committed to being a source of support and reliable information for our members. As the federal government starts sending stimulus checks to millions of Americans this week, we wanted to provide you with easy methods to deposit your check, resources that can help you decide how to use the money and more. 

HELPFUL RESOURCES
We encourage you to attend UMCU's new financial wellness webinar that covers topics including the CARES Act and strategies to help you manage your money during this crisis. You can find an upcoming schedule of our webinars and register for them here.

UMCU is also providing one-on-one financial counseling by phone to discuss any high priority issues or concerns you may be having during this time with our Financial Education Specialist. You can schedule an appointment here: https://bit.ly/3er8f3q

RECEIVING YOUR CHECK
The first round of economic stimulus checks was scheduled to be issued starting mid-April for those individuals with direct deposit information already on file with the IRS or Social Security. The issuance of paper stimulus checks will follow, and that process is expected to begin in May and continue throughout the summer.

DEPOSITING YOUR CHECK WHILE SOCIAL DISTANCING
If you are expecting to receive a paper check from the IRS, we want to remind you of the quick and easy ways you can deposit it into your UMCU account.

UMCU Mobile Banking App - the remote check deposit on the mobile app allows you to conveniently deposit checks using your smartphone or tablet! Click here to watch a full tutorial. 

ATMs - UMCU has ATMs available that allow you to deposit checks right to your account. See a full list of our ATMs here. As a UMCU member, you also have free access to any of the 30,000 CO-OP Network ATMs that are available nationwide. Click here to find a CO-OP ATM near you

Branch Drive-Thru - Though we encourage you to try one of the above methods, our branch drive-thru locations are also available. Click here to see available locations

If you have any questions or concerns regarding the stimulus check, please call our Contact Center at 800-968-8628 or email umcu@umcu.org.

Stay healthy and stay safe. Together, we will make it through this. 



Updated April 14, 2020 at 4:34 p.m.
As we continue to put the safety and well-being of our members and team members at the forefront, we wanted to remind you there are multiple ways to access your account, deposit checks, make transfers, pay bills and more while you're social distancing. 

Click here to view our Social Distancing Banking Solutions and see all the ways you can stay connected.

To enroll in online banking, click here.

To see full tutorials for features on our mobile banking app, click here.

To find a full list of UMCU ATMs, click here, or find a CO-OP Network ATM near you here.

If you have any questions or need assistance, please call our Contact Center at 800-968-8628 or email umcu@umcu.org.



Updated April 8, 2020 at 3:38 p.m.
Your well-being is our priority. As we work together, we will get through these challenging times. Our purpose has always been and continues to be to work together for our shared success.
 
We want to assure you that UMCU is here for you. The following services and products are available to you and you can find more details by clicking this link.

  1. UMCU representatives are available via phone at 800-968-8628, via email at umcu@umcu.org and via the mobile app
  2. UMCU representatives are available at our drive-through branch locations
  3. For payment relief, please contact us regarding our loan skip-a-payment program
  4. For Visa limit increases for current UMCU credit card holders, please contact us
  5. For refinancing loans from other financial institutions, we have low-rate products available and no payment is required for the first 60 days
  6. For supplemental cash, our Helping Michigan loan is available
  7. For balance transfers, our low-rate Visa credit cards are available
  8. Financial education sessions and one-on-one discussions are also available

  
Also, as a reminder, your money is safe at UMCU and is insured up to $250,000 by the National Credit Union Administration (NCUA), an independent agency of the U.S. government. Learn more about the NCUA at www.ncua.gov
 
Additionally, the Federal Trade Commission (FTC) has issued guidance to protect yourself from fraud which can be found on their website here: https://www.consumer.ftc.gov/features/coronavirus-scams-what-ftc-doing. UMCU will not send emails or call you asking for your full account number and/or social security number. 
 
Together, we are going to make it through this challenging time. As our valued member, we want you to know your well-being and success are always our priority.

Updated April 8, 2020 at 2:50 p.m.
UMCU is here for you and ready to help in any way we can. 

As part of that commitment, we are pleased to announce the new Helping Michigan Loan. With this loan, you can receive a low-rate personal loan* at 8.99% APR (fixed) for up to $2,000.

Please call our Contact Center at 800-968-8628 to discuss your options with a UMCU team member.

Updated March 24, 2020 at 4:00 p.m. 
Due to the state mandated stay at home order protocol surrounding COVID-19, and in the interest of the health and well-being of our members and team members, the UMCU Annual Meeting will proceed as a conference call. 

The UMCU Annual Meeting Conference Call will be held on Tuesday, March 24, 2020 at 5:00 p.m. EST. Both members and team members are invited to participate. To join the conference, please call into 1-510-338-9438. The access code is 624 071 958.

Thank you for being a valued member.

Sincerely, 

UMCU


Updated March 23, 2020 at 2:40 p.m.
We continue to monitor updates about COVID-19, and for the safety of our members and team members, effective Tuesday, March 24, 2020, the following branches will be available to our members and will be providing drive-through services only.

South State Street Drive-thru Hours
Monday – Friday: 8:30 a.m. – 6:00 p.m.
Saturday: 9:00 a.m. – 2:00 p.m.
 
Jackson Road Drive-thru Hours
Monday – Friday: 8:30 a.m. – 6:00 p.m.
Saturday: 9:00 a.m. – 2:00 p.m.
 
Carpenter Road Drive-thru Hours
Monday – Friday: 8:30 a.m. – 6:00 p.m.
Saturday: 9:00 a.m. – 2:00 p.m.
 
Bristol Road Drive-thru Hours
Monday – Friday: 8:30 a.m. – 6:00 p.m.
Saturday: 9:00 a.m. – 2:00 p.m.
 
Please note that the following branches will not be open until further notice:
Plymouth Road
William Street
Michigan Union
Pierpont Commons
EMU Student Center
U-M Dearborn
Genesee County Building
Genesys Health Park

UMCU Headquarters Office is also closed until further notice. 

We encourage you to access your account 24/7 using the UMCU mobile apponline banking and ATMs. Please also contact us during our regularly-scheduled business hours by calling our Contact Center at 800-968-8628 or emailing us at umcu@umcu.org.

Also, we're here to help. We have programs and services available that can help ease the impact of unexpected disruption of income such as our loan skip-a-payment program* as well as the opportunity for a credit limit increase to members who are current UMCU Visa credit card holders. If you are in need of assistance, we encourage you to call our Contact Center at 800-968-8628 and a UMCU team member will help discuss your options. 

Additionally, we offer low-rate products that can help support or supplement your finances as well. Quickly and easily apply for any of the below offers through UMCU’s mobile banking app, online banking or by calling 800-968-8628.

  • Save money with a low rate Visa Platinum Optimum starting at just 8.99% APR or earn cash back monthly on all purchases with a Visa Platinum Cash Rewards credit card starting at just 12.99% APR
  • Take advantage of an auto loan with rates starting as low as 1.99% APR** (applicable for new purchases and refinancing from other institutions)
  • Enjoy a low rate recreational vehicle loan starting as low as 3.99% APR** (applicable for new purchases and refinancing from other institutions)
  • Use the equity in your home to consolidate debt, pay for educational expenses and more with no closing costs on a home equity line of credit***

As a reminder, you can always access your account 24/7 using ATMsonline banking or the UMCU mobile app. We continue to follow guidelines and best practices to ensure the safety and well-being of our members, team members and communities we serve.

If you have any additional questions or concerns, please do not hesitate to securely message us through the mobile app, online banking or by calling 800-968-8628.

 

Updated March 18, 2020 at 3:00 p.m.
As the Coronavirus continues to affect the country and economy, we understand that these can be difficult times. If you have been impacted by events caused from COVID-19, please remember we are here to help you.

We have programs and services available that can help ease the impact of unexpected disruption of income such as our loan skip-a-payment program* as well as the opportunity for a credit limit increase to members who are current UMCU Visa credit card holders. If you are in need of assistance, we encourage you to call our Contact Center at 800-968-8628 and a UMCU team member will help discuss your options. 

Additionally, we offer low-rate products that can help support or supplement your finances as well. Quickly and easily apply for any of the below offers through UMCU’s mobile banking app, online banking or by calling 800-968-8628.

  • Save money with a low rate Visa Platinum Optimum starting at just 8.99% APR or earn cash back monthly on all purchases with a Visa Platinum Cash Rewards credit card starting at just 12.99% APR
  • Take advantage of an auto loan with rates starting as low as 1.99% APR** (applicable for new purchases and refinancing from other institutions)
  • Enjoy a low rate recreational vehicle loan starting as low as 3.99% APR** (applicable for new purchases and refinancing from other institutions)
  • Use the equity in your home to consolidate debt, pay for educational expenses and more with no closing costs on a home equity line of credit***

As a reminder, you can always access your account 24/7 using ATMsonline banking or the UMCU mobile app. We continue to follow guidelines and best practices to ensure the safety and well-being of our members, team members and communities we serve.

If you have any additional questions or concerns, please do not hesitate to securely message us through the mobile app, online banking or by calling 800-968-8628.


Updated March 16, 2020 3:00 p.m.
For the safety of our members and team members due to COVID-19, effective Tuesday, March 17, 2020, all UMCU branch lobbies will be available by appointment only. To schedule an appointment, please email your respective branch's email address (below) and a member of our team will reach out to coordinate with you.

We sincerely apologize for any inconveniences this may cause. You can also visit any of our branches with a drive-thru (Jackson RoadCarpenter RoadSouth State StreetBristol Road) and our team members will be happy to assist. 

As always, you can access your account 24/7 using ATMsonline banking or the UMCU mobile app. During regularly-scheduled business hours, you can call our Contact Center at 800-968-8628.

ANN ARBOR
Jackson Road: jacksonbranch@umcu.org
William Street: Ewilliam@umcu.org
South State Street: state@umcu.org
Carpenter Road: carpenter@umcu.org
Plymouth Road: plymouth@umcu.org
Michigan Union: union@umcu.org
Pierpont Commons: PierPont@umcu.org

FLINT
Bristol Road: bristol@umcu.org
Genesee County Administration Building: countyadmin@umcu.org


Updated March 13, 2020 at 3:30 p.m.
The safety of our members, team members and the communities we serve is our top priority. We continue to proactively monitor the Coronavirus situation and are following the guidelines from the Centers for Disease Control and Prevention (CDC), the World Health Organization (WHO), U.S. Department of State, and the State of Michigan. 

As a reminder, relevant signs of the virus include a cough, fever greater than 100.4 degrees and shortness of breath. Anyone experiencing these symptoms should not go into a branch and contact their medical provider. We are committed to sharing important updates and keeping our members informed. The State of Michigan has a dedicated website to provide updates to the Michigan community at MDHHS Coronavirus. In addition, the health information office at UC Davis developed a helpful video about Coronavirus

Safeguards regarding the spread of Coronavirus
Person-to-person spread of the Coronavirus in the United States has been detected. The best way to prevent infection is to avoid being exposed to the virus. Practice these good prevention strategies: 

  • Wash hands frequently with soap and water for at least 20 seconds. Use hand sanitizer if you don't have soap and water. 
  • Cover coughs and sneezes with a tissue or your elbow and sleeve.
  • Stay away from others if you or they are sick; maintain a six-foot distance.
  • Clean and disinfect frequently-touched surfaces.

As always, you can access your account 24/7 using ATMs, online banking or the UMCU mobile app. During our regularly scheduled business hours, you can visit our UMCU Branches or call our Contact Center at 800-968-8628.

If you have been impacted by recent events caused from COVID-19, remember that we’re here to help. Please call us at 800-968-8628, email umcu@umcu.org or send a secure message through online banking or the mobile app if you need assistance. We can discuss options available that may help ease the financial impact of an unexpected income disruption such as short-term loans, loan skip-a-payment programs, and more.

We will continue to monitor this evolving situation and are planning for potential impacts to services and operations should the outbreak spread. We have specific plans for emergency and contingency services to our members that will emphasize the safety of our members and team members. We will provide further updates and detailed information as the situation develops. 

Click here for Financial Relief Assistance Options.

Click here to view Social Distancing Banking Solutions.

 

Various deals reward your membership.

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


ZERO PERCENT VISA BALANCE TRANSFER

Now through June 30th, 2020, take advantage of 0% APR for the first six months when you transfer a balance from another financial institution to either a UMCU Visa Platinum Optimum or Visa Platinum Cash Rewards credit card!* Plus enjoy 0% APR on new purchases through June 30th, 2020. With 0% interest, you can find relief from your high interest credit card and more!**

Click here to apply and get started today!

You can also apply through the loan app feature on your UMCU mobile banking app
 

TURBOTAX MEMBER DISCOUNT

Save money filing your taxes this year with an exclusive UMCU member discount to TurboTax. Click here to learn more and get started!


BALANCE TRANSFER
*During our promotional period from January 1, 2020 through June 30, 2020, the offer of 0.00% APR for 6 months applies to balances transferred from another financial institution, with no balance transfer fee. The balance will transfer to your choice of a Visa Platinum Optimum or a Visa Platinum Cash Rewards credit card.
**After the 6 month term, if there’s any remaining balance from the transfer, an adjusted APR will be applicable. You may also use your newly issued VISA credit card to make additional purchases. These additional purchases will carry a non-variable rate of 8.99% or 12.99% APR, depending on the Visa card program selected. Monthly payments during the promotional period will go towards paying down the highest interest rate balance first. Offer subject to credit approval. Call 800-968-8628 to ask a UMCU employee for further information about the terms and fees.


MEMBER SUPPORTFederally Insured by NCUA
*All UMCU 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 UMCU 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 UMCU loans (if applicable). 
***UMCU 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 UMCU loans. Property insurance required.

HELPING MICHIGAN LOAN
*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.