Po Box 7850
Ann Arbor, MI 48107
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University Of Michigan is an NCUA insured institution located in Ann Arbor, MI. It was founded in 1954 and has approximately $1410.85 millions in assets.
Who can join?
If you are a student of University of Michigan or Washtenaw Community College, you are eligible for UMCU membership.
Employment Eligibility
Any company is able to have University of Michigan Credit Union provide financial services for its employees as long as the company is located in Washtenaw or Livingston counties or is within twenty-five miles of one of the credit union's offices. The only requirement is that an authorized signer from the company provides the credit union with a Partnership Letter. The Partnership Letter authorizes University of Michigan Credit Union to add the company to our field of membership. All employees are then eligible to join the credit union and begin using all of our services.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 61552 |
| Date Established | 1954 |
| Assets | $1,410.85 million |
| Loans | $1,118.78 million |
| Deposits | $1,089.91 million |
| Capital | $153.44 million |
Your Current Location: New York, NY 10116
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.10% | $2,500 | $2,999 |
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|
|
Money Market
|
0.15% | $10,000 | $14,999 |
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|
|
Money Market
|
0.20% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.01% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.11% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.26% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.36% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Your Current Location: New York, NY 10116
There are currently no loan rates available for University Of Michigan
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Note to University Of Michigan
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It is free to register and add rates.
Below are University Of Michigan branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
New York City,New York
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 523.63 | A | View Lobby Hours | |
| 527.37 | B | View Lobby Hours | |
| 531.28 | C | View Lobby Hours | |
| 536.37 | D | View Lobby Hours |
UNIVERSITY OF MICHIGAN is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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The following ratios and data are available to help you better understand the financial condition of University Of Michigan. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
| University Of Michigan | U.S. Average |
|---|---|
| 6.50% | 6.78 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2025, University Of Michigan had $10,280,991 in non-current loans and $222,305 in owned assets. To cover these potential losses it had $153,441,506 in net worth and $8,137,651 in loans loss reserves. That gives it a Texas Ratio of 6.50%.
| University Of Michigan | U.S. Average |
|---|---|
| 10.88% | 14.48% |
University Of Michigan FCU has a net worth of 10.88% versus the BestCashCow average of 14.48. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
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Last Update on September 13, 2026
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