HELPFUL REMINDER: Stay safe by regularly monitoring your accounts for suspicious activity. Michigan United Credit Union will never contact you to confirm account information. We will never ask for your full debit/credit card, username, password, or your PIN. If you are contacted regarding these items, do not provide any personal or account information and hang up. Please contact the credit union to report the incident.

Rates:

Effective Tuesday, April 22, 2025

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**

4.75 %

Auto Loans

As Low As

APR**

4.74 %

Home Equity

As Low As

APR**

6.75 %

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

Our Story

Our Mission

Our Vision

Our Story

Our Mission

Our Vision

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 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

“Your Life, Your Money, Your Credit Union” is a quarterly newsletter published by Michigan United Credit Union for our members. You’ll find need-to-know information about what’s going on at Michigan United Credit Union, featured products and services, marketplace issues and more.

Check out our Tutorial Videos.

Check out our involvement in our local communities.

Find one of over 4500 Shared Branches near you with the Co-op Shared 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 248-814-4000.

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

Search for no-surcharge ATMs here.

Testimonials

Excellent credit union...excellent customer service! We just moved to Holly and were looking for a new bank. We began visiting them all, one by one. Our last stop was Metro North. We instantly felt at home because it was so personable, but still sat down with the manager to ask all the pertinent questions. One month later, not only have we switched our checking and savings accounts, but also have refinanced our home with a fantastic rate! We recommend Metro North/Birmingham Bloomfield Credit Union to everyone.

Jim and Renee

Member Since 2019

I refinanced a loan from an online lender to Lakes Community Credit Union and I was able to lower my monthly payment by $200. Thank you to everyone at the credit union who helped me with this loan.

Lauren L

Member Since 2016

Words cannot even explain the joy and relief that I feel right now. Thank you so much for being on top of things as far as whomever took my card information. I thank you again for your quick response and looking out for loyal customers like me. Thank you for your wonderful customer service skills. You all are amazing!

Teah M.

Member since 2012

Having lived and worked in Birmingham for many years, I would like to commend the Birmingham/Bloomfield Credit Union on their fine personalized service. There are few ‘local’ banking establishments remaining where the staff knows the customers and are ready to suggest services from which they would benefit.This location is a great benefit to the community.

Don S.

Retired Birmingham Police Chief

MNCU is wonderful, always greets me with a smile and my name. Very professional and wonderful to work with. Always helpful and friendly. I would recommend everyone to bank with them.

Michele V

Member Since 2011

I would like to offer my gratitude to BBCU for the help offered me after my purse was stolen. Shannon was my main go-to person and in spite of not feeling well helped me many times to get me up and going once again. Then 2 weeks later, my Debit card was hacked. I was immediately informed by Pam, and we stopped the card and a new one was issued. It’s nice to know that things are watched and we are protected before things get worse. I have been a BBCU member for for 48 years. Thank you for all of the services that is provided to us.

S.W.

member since 1967

We love our credit union. Everyone is so helpful and friendly! Very eager to help with any financial needs we have! We are members for life!

Ed and Angie R.

Member since 2010

Rates:

Effective Tuesday, April 22, 2025

View all Deposit Rates

View all Loan Rates

UP TO

Certificates

UP TO

IRA CERTIFICATES

UP TO

Super Saver

As Low As

Auto Loans

As Low As

Home Equity

As Low As

Used Vehicles 2014 & Older

Serving the State of Michigan

About Us

Membership

Resources

Testimonials

Locations

Auburn Hills

Birmingham

Holly

Lake Orion

Shelby Twp

St. Clair Shores

Warren

Waterford North

Waterford West