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Credit Cards

Low rates or cash-back rewards, UMCU Visa® credit cards are built for your lifestyle. No annual fees, just unbeatable perks. Find your perfect fit today!

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Our Credit Card Options

Visa® Platinum Optimum Visa® Platinum Cash Rewards
Visa® Platinum Optimum

The Low-Rate Option

While other credit cards charge over 20.00% APR on average, UMCU's Visa® Platinum Optimum offers one of the lowest interest rates available, starting at just 8.99% APR1. It's a smart, affordable way to manage your spending and build credit with confidence.

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  • Enjoy Rates as Low at 8.99% APR1
  • No Annual Fee
  • No Balance Transfer & Cash Advance Fees

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New Exclusive Member Perks


Unlock more than just great rates. Your UMCU credit card is now your passport to exclusive travel, dining, and entertainment benefits.

UMCU Visa® Credit Card Perks


Booking.com 
Plan your next getaway with ease and earn while you explore. UMCU cardholders can now access up to 8% in Travel Credits3 when booking accommodations through Booking.com.

How to Access
Use the exclusive link, sign in or create a Booking.com account, and pay with an eligible UMCU Visa® card.


OpenTable 
Never miss out on the best flavors in town. With your UMCU card, you can unlock exclusive primetime reservations4 at the most sought-after restaurants via OpenTable.

How to Access
Complete eligibility verification with your UMCU Visa® card on OpenTable.


Sofar Sounds
Experience the magic of live music in a whole new way. UMCU cardholders now enjoy exclusive pre-sale ticket access5 to Sofar Sounds’ secret, intimate concerts.

How to Access
Validate your Visa® card at www.sofarsounds.com/visaoffer, select eligible shows, and use the same card for purchase.


Roadside Dispatch
All UMCU cardholders now have 24-hour access to roadside assistance. While there are additional costs for specific services, the dispatch support is available to our members whenever they need it.

How to Access
Simply call 1-800-847-2869! For more details on services provided and terms & conditions, view the disclosure.

Not sure what to choose? Let us help.

Whether you're looking for a lower interest rate or a cash-back rewards program, UMCU offers two Visa® credit card options to suit your needs. Both provide maximum buying power, low fees, and advanced security features.

Visa® Platinum Optimum

Related Resources

Calculators

Access calculators to plan and manage your finances.

Blogs

Explore helpful articles, tips, and updates.

Webinars

Watch webinars to learn about finances, services, and more.

Events

Discover upcoming UMCU events.

Downloads

Find downloadable forms and credit card resources.
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FAQs

In order to open your account and maintain your membership at the credit union, all we require is a $5.00 deposit!
This is our “no frills” checking account. There are no fees, no minimums balances, and no minimum deposits. It’s ideal for anyone who wants an easy approach to finances. 
There’s no minimum balance for our Go Blue™ Checking. Our Interest Checking does have a monthly minimum of $500 or the account will incur an $8.00 maintenance fee.  

A credit union account is a financial account at a member-owned, not-for-profit financial cooperative. Unlike a traditional bank, which is owned by shareholders, a credit union is owned by its members. When you open an account at UMCU, you aren't just a customer; you are a partial owner. That’s why we say “members” not “customers.” You truly are part of what makes UMCU!


Credit unions work similarly to a bank account: you can deposit money, earn interest (often called "dividends" in a credit union), and access your funds via debit cards, ATMs, or online banking. Because we are not-for-profit, our earnings are returned to members in the form of lower loan rates, higher savings yields, and reduced fees.
 

Yes! Credit unions often provide a more personalized, community-focused experience. Benefits of opening an account with a credit union like UMCU include:

•    Lower Fees: Generally lower monthly maintenance or service fees.
•    Competitive Rates: Lower rates on loans and credit cards.
•    Member Focus: Decisions are made with the members' best interests in mind rather than corporate profit.
•    NCUA Insurance: Your deposits are federally insured up to at least $250,000, just like at a bank.
 

Absolutely. At UMCU, you can apply for membership and open a variety of accounts—including checking and savings—directly through our website. The process is secure, streamlined, and typically takes only a few minutes if you have your identification and funding information ready.
Yes, it is often possible. While we do review your financial history, credit unions are known for looking at the "whole person" rather than just a credit score. UMCU offers various account types, and even if you have had past financial challenges, we may have solutions or specialized accounts to help you rebuild your financial standing.
To become a member of UMCU, you typically start by opening a savings account with a minimum deposit of just $5.00. If you open your account online, we’ll cover the $5.00 deposit! This "share" represents your ownership stake in the credit union. 

To open a checking account, you must first be a member of UMCU. Membership is open to:

•    University of Michigan students, alumni, faculty, and staff (all campuses).
•    Immediate family members of current UMCU members.
•    Residents of Michigan’s Lower Peninsula 

Once you are a member, you simply need to provide a valid government-issued ID and meet standard account opening criteria.
 

UMCU is proud to offer checking options that make it easy to avoid fees! Requirements to waive fees depend on the specific account type:

  • Go Blue™ Checking: Our standard checking account has $0 monthly service fees and no minimum balance or deposit requirements.
  • Interest Checking: Our interest-bearing account fees can typically be waived by maintaining a minimum balance of $500.
  • Student Accounts: Our student-focused accounts feature no monthly fees and no minimum balance requirements to help students manage their money easily.


 

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Disclosures


1Offer subject to credit approval. APR as low as 8.99%; maximum APR is 14.99%, 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.

2Offer subject to credit approval. APR as low as 12.99%; 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.

3Eligible U.S. and Canadian Visa cardholders can earn up to 8% in Travel Credits (max $230 per transaction) on qualifying hotel stays booked through the exclusive Booking.com link using their eligible Visa card. Credits are awarded only after the stay is completed and the supplier verifies checkout. No credits for no-shows or canceled bookings. Credits are deposited into the Booking.com Wallet 30–60 days after checkout (sometimes up to 64+ days). Credits can be redeemed for future stays, select flights, car rentals, attractions, taxis, and insurance on Booking.com where Wallet payments are accepted. Bookings paid with previously earned Travel Credits do not earn additional credits.Bookings must be made with the eligible Visa card and a Booking.com account is required. Exclusions: Flights, flight+hotel packages, car rentals, cruises, attractions, airport taxis, and bookings paid directly to third parties are not eligible. The offer is available starting 5/11/2025 and is subject to modification or cancellation without notice. The maximum reward is $230 per transaction.

4Cardholders may be required to complete eligibility verification with their Visa card on OpenTable. Eligibility is checked at card verification and every 24 hours when visiting OpenTable properties. If eligible, cardholders are granted access to the Visa Dining Collection OpenTable Benefit, which may include access to primetime reservations at participating restaurants. Cardholders must go through the verification flow to receive eligibility status notification. The benefit is subject to modification or cancellation without notice and is void where prohibited.

5From 10/17/2023 through 05/16/2027, eligible U.S.-issued Visa credit and debit cardholders can access an exclusive ticket presale window for select Sofar Sounds shows 7 days before the general public. Visa credit cardholders get unlimited access to the presale window and 1 free ticket per show with purchase. Visa debit cardholders get unlimited presale access and 2 free tickets per calendar year with purchase. Cardholders must validate their Visa card at www.sofarsounds.com/visaoffer and use the same card for ticket purchase. Free ticket offer cannot be combined with other offers or discounts. The offer is subject to modification or cancellation without notice and is void where prohibited.