Student Accounts

UMCU's Student Account Package sets you up with everything you need to spend, save, and succeed — on campus and beyond.

Your Key to Financial Success in College and Beyond

The UMCU Student Account Package is tailored for college students, offering a comprehensive bundle of financial tools and resources to simplify life during school and beyond graduation. From a hassle-free checking account to free financial education, it's everything you need to stay on top of your finances while pursuing your goals.

Open an Account

Bonus: Open an account and score a free Michigan quarter-zip — only available from UMCU*
Earn Interest on Deposited Funds: Credited monthly**
Easily Manage Your Funds 24/7: Access your account through our Online Banking or Mobile App
Digital Wallet Compatible: Connect your UMCU cards to Google Pay, Apple Pay, or Samsung Pay for seamless, contactless payments
Financial Counseling: Let us assist you in your financial savings goals
Nationwide Fee-Free ATM Access***

UMCU's Student Account Package

Free Student Checking Account

Say hello to hassle-free spending with our Go Blue™ Checking Account**:

No monthly fees
No minimum balance requirements
Free debit card featuring exclusive Michigan-inspired designs to show off your Maize and Blue spirit.

Perfect for everyday expenses like textbooks, coffee runs, or game-day snacks, this account has everything you need to make student life simpler.

Low-Rate Credit Card

Build your credit history while keeping costs low with UMCU's Visa^® Platinum Optimum Credit Card^†:

No annual fee
A low-interest rate

Establishing healthy credit now can set you up for big milestones like buying a car, landing a job, or renting your first apartment.

Savings Account Designed for Students

Start building a strong financial foundation with our Savings Account, offering:

No minimum deposits
No monthly maintenance fees
Interest earnings to help you save for both short-term and long-term goals.

Financial Wellness Program

Financial literacy doesn't have to be a solo journey. UMCU offers free Financial Wellness Workshops to help you master money management skills for life:

Attend online or in-person workshops year-round.
Access one-on-one financial counseling to get personalized advice.

Open your account today and set yourself up for financial success — now and after graduation!

Open an Account

Related Resources

Explore additional information and updates for graduates and college students.

Go Blue™ Checking Account

Top Financial Tips for College Students

Financial Fitness for College Students

Related Resources

Explore additional information and updates for graduates and college students.

Go Blue™ Checking Account

Top Financial Tips for College Students

Financial Fitness for College Students

Disclaimer

Insured by the NCUA.

* Must be a UM or WCC student to be eligible to receive a free quarter-zip. Offer valid while supplies last. Checking account must be open and in good standing and quarter-zips will be available for pick-up at Campus Branch locations.

** A savings account is required to open a debit/checking account. The minimum balance required to open a savings account is $5.00. The current savings account Annual Percentage Yield of 0.05% is a variable rate and may change at any time. Free, unlimited access to more than 30,000 ATMs that are part of the CO-OP ATM network.

*** A $30 fee may be imposed for covering overdrafts created by check, ACH, in-person withdrawal, ATM withdrawal, or other electronic means. Whether your overdrafts will be paid is discretionary, and we reserve the right not to pay if your account is not in good standing.

† Offer subject to credit approval. APR as low as 8.99%; maximum APR is 18.99%, based on your credit worthiness. Additional limitations, terms, and conditions apply, and are subject to change without notice. The following transaction fees apply: 1% for foreign transactions, $2 for non-UMCU/non-Co-Op ATM transactions and $2 for each overdraft transfer.