HOLIDAY HOURS: In observance of Independence Day, all branches will be closed on Saturday, July 4.

Rates:

Effective Wednesday, July 01, 2026

View all Deposit Rates

View all Loan Rates

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**

6.49 %

Used Vehicles 2015 & 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

What Our Members Are Saying

Nothing means more to us than the trust of our members. Read real reviews and experiences from people across Michigan who have chosen us for their banking and financial needs.

David L.

The MUCU in Birmingham has never let our family and business down. We have been members for 30+ years and are grateful for the attentiveness , security measures and friendly communications from Linda and the full team! Thank you for your years of service to our community and you have certainly earned our lifetime membership.

Martin B.

Great service and wonderful staff

Ron G.

I truly enjoyed my experience with this credit union. The staff makes you feel as though your part of a family. I will continue to finance thru them if I choose to purchase another vehicle. The rates are more than fair.

Dani B.

Love the staff here. Little out of my way but won't hesitate to visit again as I am a member!

Jason S.

I had no problem opening a savings account. From the start they treated me like I've been with them for years. With that attitude I feel confident that I will be.

M A.

Helpful, friendly, and fast staff. Michele is very helpful in answering all questions in detail. Good rates. Thank you

Joanna J.

I have been with this credit union over 30 years and I love it!

Ben C.

Been with this place since they were Lakes community. Still having a good experience shout out to Danielle for helping me today.

Jim P.

The most knowledgeable and friendly people

Jan T.

Been a member for Over 50 years and an out of state member since 1982. I deal with the employees on the phone. With all the new changes, I want to Thank Jamie for her patience this morning. She agreed to call me back concerning fees for a dormant account, called within 5 minutes. The rules have changed over the years from the Pontiac Telephone Employees Credit Union to now but I have always received excellent service from kind and considerate employees.

Gary C.

Been with them very long time, outstanding service.

Michigan United Credit Union Banking and Auto Loans for Michigan

About Us

Our Mission
Our Vision

We strive to provide the best services for our members. We smile to create a positive experience; we work together to find the right financial solutions; we are committed to the growth of individuals and the communities. We are Michigan United!

To serve and enrich our members’ financial lives and our communities as we move forward together.

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.

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Bank Anywhere. Anytime.

Check balances, transfer funds, and deposit checks anytime.

Bank Anywhere. Anytime.

Check balances, transfer funds, and deposit checks anytime.

Download our online banking app on the App Store

Get our online banking app on Google Play

Resources

Tutorial Videos

Watch our tutorial videos for tips and step-by-step guides to get the most from your Michigan United Credit Union services.

In the Community

Discover our community impact. Explore the events, partnerships, and initiatives that help us strengthen and support the places we call home.

Check Ordering

Order checks quickly and securely online, anytime, anywhere.

Shared Branching

Access over 4,500 CO-OP Shared Branches and more than 150 Xtend locations. Use the CO-OP or Xtend branch locators to find one near you.

ATM Locator

Find no-surcharge ATMs quickly and easily. Use our ATM locator to search for convenient locations where you can withdraw cash without paying extra fees. Save money and access your funds wherever you are.

Fraud & Scam Awareness

Your security is our priority. Stay alert to common scams like phishing emails, fake calls, and online fraud. Learn how to spot red flags, protect your information, and know what to do if you suspect fraud.