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Rates:

Effective Friday, August 08, 2025

UP TO

APY*
3.96 %

Certificates

UP TO

APY*
3.96 %

IRA CERTIFICATES

UP TO

APY*
0.25 %

Super Saver

As Low As

APR**
4.05 %

Auto Loans

As Low As

APR**
5.74 %

Home Equity

As Low As

APR**
6.65 %

Used Vehicles 2014 & Older

*APY = Annual Percentage Yield **APR = Annual Percentage Rate. Rates “as low as” are based on applicant’s credit history. Rates subject to change without notice

Serving the State of Michigan

About Us

Membership

You are eligible to join if you reside, work, worship, or attend school in the state of Michigan.

You need a current non-expired driver’s license, or State ID with the correct address.

Please have your social security card with you.

Please bring a minimum deposit of $5 cash to begin a “share” account, the basic credit union savings account. You must maintain a minimum of $5 in this account to enjoy member benefits.

Visit any branch in Auburn Hills, Birmingham, Holly, Lake Orion, Shelby, St. Clair Shores, Warren or Waterford and have the above documents with you in order to complete the membership process.

Resources

Check out our Tutorial Videos.

Check out our involvement in our local communities.

Find one of over 4500 Shared Branches near you with the CU Service Center branch locator.

Michigan United Credit Union offers you service at over 75 credit unions with over 150 locations throughout Michigan and Northern Indiana through Xtend. Find Xtend Shared Branches near you with the Xtend shared branch locator.

Harland Clarke 1-800-858-3355 provides check order services to our members. Login using Michigan United Credit Union’s routing number 272477199 and your account number.

NOTE: If your name or address has changed since your previous check order, please contact us at 248-647-5958.

To conveniently order your checks online from Harland Clarke, please visit Order My Checks

Search for no-surcharge ATMs here.

Locations