UMCU Mobile Banking

Enhance your mobile banking experience with UMCU’s Mobile App. With 24/7 self-service options, you can manage your accounts, deposit checks, initiate wire transfers, open new share savings accounts, and so much more. Features:
Single Login Access to All Accounts
Open New Share Savings Accounts
Multi-factor Authentication
Push Notifications
SMS Alerts
Secure Messaging with a UMCU Representative
Locate ATMs and Branches
View Rates
Add External Account

Insured by NCUA

Bill Pay Payment Service Agreement:
https://www.umcu.org/umcu/media/Documents/Bill-Pay-Payment-Service-Agreement.pdf

Electronic Fund Transfer Agreement:
https://www.umcu.org/umcu/media/Documents/Electronic-Fund-Transfer-Agreement-Disclosure.pdf

Online Banking Services Agreement:
https://www.umcu.org/umcu/media/Documents/Online-Banking-Services-Agreement.pdf
Our current members may be eligible to apply for loans with University of Michigan Credit Union. Please review the following to understand our lending information, and make sure to check https://www.umcu.org/Resources/Rates for the latest rate information.

Our My Choice Loans have a minimum repayment period of 12 months and a maximum repayment period of 60 months. Fixed rate, and with loan amounts up to $50,000, the Maximum Annual Percentage Rate (APR) for a personal loan is 15.75%.

Not all applicants may qualify for the most favorable rates or the highest possible loan amounts. Approval and actual loan terms depend on credit union membership history and credit risk evaluations (including responsible credit history, debt-to-income information, and availability of collateral). Highly qualified applicants may be offered higher loan amounts and/or lower APRs. Personal loans may not be used for college or post-college education expenses, business or commercial purposes, buying crypto or other speculative investments, gambling, or illegal purposes. Active-duty military, their spouses or dependents covered by the Military Lending Act may not pledge a vehicle as collateral.

Please review our loan cost example below:
Consider a loan where the borrower receives $10,000 at an APR of 15.75% over 48 months.
The borrower would repay $282.12 every month.
The total amount paid for the loan would be $13,541.76.

Actual loan terms may vary and depend on the prospective borrower’s credit profile, debts, income, membership history, etc.

Some of our loan options are intended for consolidating existing debts into a single loan. When consolidating existing debts or refinancing an existing loan, total finance charges and money owed over the period of the new loan may be more than the existing debt due to longer terms or higher interest rates.