Checking Accounts

Regular Checking

Experience the convenience of a Michigan United Credit Union checking account. This account features unlimited check writing and does not require a minimum balance. Easily access your account through online banking which includes bill payment, eStatements & check imaging. You may use a debit card to access funds at any of our thousands of surcharge-free ATM locations nationwide. Overdraft protection options are also available.

New Beginnings Checking

If you need a fresh start, the New Beginnings account is an ideal way to manage your finances. This account includes unlimited check writing, an ATM card, 24/7 online account access including bill payment, eStatements and check imaging. The option to upgrade to a standard checking account is available upon approval.

Savings Accounts

Regular Savings Account

Your credit union benefits begin right here! The Regular Savings Account is the foundation of your credit union membership. This account is ideal for savers of all ages. You can deposit as much as you like, whenever you like. The minimum deposit to open and maintain membership is $5.00.

Super Saver

You can earn more money in a shorter amount of time when you open a Super Saver account. Interest is paid and compounded monthly using the daily balance. This is a “tiered” account so the more money you deposit, the higher your interest rate. The minimum amount required to open this account is $2,500.

Business Accounts

We mean business at Michigan United Credit Union. We offer a full range of business services such as business checking, savings and lending that are designed to help your business grow.

Your business checking account has no monthly fees^*, no deposit fees, convenient access to your account through 24/7 online banking and a debit card. An overdraft protection line of credit is also available.

*waived if daily balance of $7,500 is maintained

Health Savings Accounts

If you have a high-deductible medical plan, a Michigan United Credit Union Health Savings Account can help you manage your health care costs. The funds you deposit in an HSA can be used to pay for medical expenses such as transportation to doctor visits, medications, and vision care. There is no “use it or lose it” rule and the funds are tax-deferred. You can use payroll deduction or add any amount up to the maximum allowed per plan per year. This account never carries an annual maintenance fee and any money in the account rolls over from year to year – you get back what you don’t spend.

Club Savings Accounts

Christmas Club

You can reduce the stress you feel around the holiday season by opening a Christmas Club Savings account because it automatically sets money aside for you throughout the year. Ready to shop? Your money is available for withdrawal at any time and automatically transfers to your regular savings or checking account on November 1^st.

Vacation Club

Do you need a vacation, but feel frustrated that saving for it is at the bottom of your priority list? Open an interest earning vacation club account and use payroll deduction to steadily save throughout the year. Your money is available for withdrawal at any time and automatically transfers to your regular savings or checking account on July 1^st.

Individual Retirement Accounts

Choose from Traditional or Roth IRAs. These accounts are an easy and convenient way to save for your future. You can use payroll deduction or add any amount up to the maximum allowed per person per year. This account never carries an annual maintenance fee. However, the IRS imposes a penalty for early withdrawal and allows only one rollover every 365 days.

FREE YOUTH ACCOUNTS

First Flight – Newborn through 8 years old

• -Minimum opening balance of $5.⁰⁰
• -Free welcome gift after opening a new account
• -Receive a punch card and earn a free gift after every 5 deposits of $5.⁰⁰ or more
• -Online/Mobile/Text Banking† & eStatements

Wings – 9 years old through 13 years old

• -Minimum opening balance of $5.⁰⁰
• -Free welcome gift after opening a new account
• -Receive a punch card and earn a free gift after every 5 deposits of $5.⁰⁰ or more
• -Online/Mobile/Text Banking† & eStatements

SOAR – 14 years old through 24 years old

• -Minimum opening balance of $5.⁰⁰
• -Free checking account*
• -Mobile check deposit available at 14 years of age.
• -Free box of checks*
• -Online/Mobile/Text Banking† & eStatements
• -Debit Card*/VISA Credit Card*

*with a parent or legal guardian for youth 14-17 years of age.

† text message banking is currently fee-free from the credit union, however your mobile carrier may charge you standard text messaging fees.