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Federally Insured
by NCUA

aMAIZE YOU
WERE HERE TO

University of Michigan Credit Union

P.O. Box 7850
Ann Arbor, MI 48107-7850

WELCOME TO THE
UNIVERSITY OF MICHIGAN CREDIT UNION!
The University of Michigan Credit Union has served the University of Michigan
and surrounding communities proudly for more than 60 years!
Explore all the exclusive benefits available to you and learn about our aMAIZEing
products and services!

EXCLUSIVE OFFERS
FOR UMCU MEMBERS!
Budget Counseling

UMCU is here to help you along

the
to financial freedom. Our budget
counselors provide no-cost,
one-on-one budget counseling
to determine income, basic living
expenses and your debts to better
understand individual financial
situations to help you meet your
financial goals. Call 734-662-8200
to set up your appointment today.

Free Educational Seminars

UMCU offers a series of free

educational seminars throughout
the year on a variety of topics
like budgeting, credit & credit
scores, identity theft protection,
retirement strategies, investing
and more. These free seminars are
interactive and only take about
1-2 hours. To view a current list of
free seminars and to register,
visit umcu.org.

Traveling Services

Exclusive Discounts

Foreign Currency - You can order

nearly any foreign currency by
visiting umcu.org or by visiting
any branch.

Funds can be loaded and reloaded

up to $5,000 at any branch, online
at ppdtravelemv.com, and at other
retail locations nationwide.

If you are going to be traveling

outside the United States, then
UMCU can help to make your
trip easier.

Travel EMV Card - Save time

and money when you use your
Travel EMV Card and avoid any
inconveniences that may arise
when you use your debit or
credit card outside of the United
States. The Travel EMV Prepaid
MasterCard is embedded with
a computer chip that transmits
encrypted data. This chip-and-PIN
method is quickly becoming the
international standard as many
merchants and train stations have
moved away from the capabilities
of processing a magnetic stripe.

We specialize in making our

members happy! In addition
to highly personalized service,
financial expertise and products/
service to meet your everyday
needs, we offer you exclusive
discounts at leading retailers;
including Sprint, General
Motors, TurboTax and more. For
a complete list, visit umcu.org.

MAILING ADDRESS: University of Michigan Credit Union, P.O. Box 7850, Ann Arbor, MI 48107
CONTACT CENTER: 734-662-8200 or 800-968-8628 | Monday Friday: 8:00am - 6:30pm | Saturday: 9:00am - 2:00pm

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Online Bill Pay

Stay connected to your credit union wherever you go! With the secure, convenient and free
electronic services provided by UMCU, youll have access to your University of Michigan
Credit Union accounts 24/7.

ONLINE ACCESS:

Visa Platinum Optimum

Visa Platinum Cash Rewards

Apply for your UMCU Visa

Platinum card today by calling
734-662-8200, visiting any branch,
or applying online at umcu.org.
Once youre approved, you can
receive your Visa Platinum card
the same day at the branch!

UMCU has a Visa credit card that will fit all your needs. Visa is the most widely accepted
card available and can be used for traveling, shopping, or to take care of extra expenses.
Take advantage of the security, flexibility, and convenience that comes with a UMCU Visa
Platinum card.

VISA PLATINUM CREDIT CARDS:

If you need to send money to

another financial institution,
UMCU can help. Call us at
734-662-8200 so that we can
guide you through the wire
transfer process.

MAILING ADDRESS: University of Michigan Credit Union, P.O. Box 7850, Ann Arbor, MI 48107
CONTACT CENTER: 734-662-8200 or 800-968-8628 | Monday Friday: 8:00am - 6:30pm | Saturday: 9:00am - 2:00pm

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MemberNet Online Banking

When setting up a wire transfer to

your UMCU account, provide the
originating financial institution
with the following instructions.

Outgoing Wire Transfers

Play and use your existing

MemberNet online banking
username and password to get
started. Search for UMCU Mobile
to download the app today!

Pay your bills online 24/7 with

our free online Bill Pay available
through MemberNet! Whether
youre making your mortgage
payment or paying the landscaper,
Bill Pay is the way to go. Funds
are withdrawn from your UMCU
checking account when you
schedule your payment(s). You can
pay your bills one at a time or set
up recurring monthly payments.

Incoming Wire Transfers

Beneficiary:
Your name and credit union
account number

Mobile Deposit

eStatements

Start saving today with a Visa

Open a Visa Platinum Cash
Platinum Optimum card which
Rewards card and receive an
offers an amazingly low 8.99%
annual cash back bonus of 1.10%
on purchases and a low 12.99%
Annual Percentage Rate.
Annual Percentage Rate.
If you carry a balance or youve
been thinking about saving
This card provides the flexibility
money by paying off those higher and rewards that youve been
interest rate credit cards, this is the looking for!
card for you! Plus, well help you
close out those higher interest
rate credit cards so youll have one
easy monthly payment and no
balance transfer fees.

Wire transfers are a fast,

convenient way to transfers funds
across the state or anywhere in
the world. For your convenience,
UMCU provides incoming
and outgoing domestic and
international wire transfer service.

Beneficiary Financial Institution:

University of Michigan Credit Union
340 E. Huron St.
Ann Arbor, MI 48104
Routing Number 2724-7654-3

Register for MemberNet online

banking at umcu.org and
experience the true meaning of
convenience. View transaction
history and current rates, check
your account balances, make
transfers between accounts,
setup automatic transfers, pay
bills, apply for a loan, create
custom alerts, create budgets,
and much more!

Go Blue and enjoy the

convenience of eStatements!
eStatements are the fastest and
easiest way to receive your UMCU
account statements - and theyre
better for the environment. Sign
up for eStatements today through
MemberNet online banking.

Direct deposit is a fast, and

secure way to automatically
have your paycheck, retirement
check, or any recurring automatic
payment deposited into your
UMCU account. Reduce the risk
of ID theft, mail fraud or losing
the check by having your checks
electronically deposited.
To set-up a direct deposit, all
you need is your UMCU routing
number (2724-7654-3) and the

Wire Transfers

Wire to:

With this free and convenient

service, you can deposit your
checks into your account using
your Smart Phone, iPad or Android
device! Mobile Deposit allows
you to deposit your checks into
your University of Michigan Credit
union account by taking a picture
of the front and back of your
check with proper endorsements.
Its that simple! To access Mobile
Deposit, download the Mobile
Banking app from the iTunes
Store or Google Play and register
using your MemberNet username
and password.

Direct Deposits

Electronic Account number for

your account. Your Electronic
Account number can be found
on MemberNet, or you can use
the MICR number on the bottom
of the new checks you will be
receiving.

Go Blue Mobile Banking

You can mail your check deposits

to the credit union. Just make the
checks or money orders payable
to yourself and reference your
UMCU account number. Please
allow five to seven business days
for a deposit to reach the credit
union. Mail deposits to:
University of Michigan Credit
Union, P.O. Box 7850,
Ann Arbor, MI 48107.

Go Blue Mobile Banking allows

you to do all the things you would
do on a personal computer, on
your mobile device. Check your
account balances, make transfers
between accounts, view account
activity, make check deposits,
pay bills, apply for a loan, view
current rates and more using your
Smartphone, iPad, or Android
device. Download the free app
from the iTunes Sxtore or Google

Mail Deposits

DEPOSITS & WIRE OPTIONS

UNIVERSITY OF MICHIGAN CREDIT UNION!

BRANCH LOCATIONS
ANN ARBOR
Michigan Union

530 S. State St, Suite G308,

Ann Arbor, MI 48109
Mon - Fri: 9:00am - 5:30pm

North Campus Pierpont

Commons, 2101 Bonisteel

Blvd., Suite 1212
Ann Arbor, MI 48109
Mon - Fri: 9:00am - 5:30pm

333 E. William St,

Ann Arbor, MI 48104

Mon - Thurs: 9:00am - 5:30pm
Fri: 9:00am - 6:00pm

4440 Jackson Rd,

Ann Arbor, MI 48103

Mon - Thurs: 9:00am - 5:30pm
Fri: 9:00am - 6:00pm
Sat: 9:00am - 2:00pm
Drive Thru:
Mon - Fri: 8:30am - 6:00pm
Sat: 9:00am - 2:00pm

2601 Plymouth Rd, Suite C,

Ann Arbor, MI 48105

Mon - Thurs: 9:00am - 5:30pm
Fri: 9:00am - 6:00pm
Sat: 9:00am - 2:00pm

305 E. Eisenhower,

Ann Arbor, MI 48108

Mon - Thurs: 9:00am - 5:30pm
Fri: 9:00am - 6:00pm
Sat: 9:00am - 2:00pm
Drive Thru:
Mon - Fri: 8:30am - 6:00pm
Sat: 9:00am - 2:00pm

Washtenaw Community

College, Virtual Branch

4800 E. Huron River Drive,
Ann Arbor, MI 48105
(2nd Floor of the Student Center,
near Financial Aid)

YPSILANTI
Eastern Michigan University
Financial (EMU Financial)
761 Jenness St,
Ypsilanti, MI 48197
Mon - Thurs: 9:00am - 5:30pm
Fri: 9:00am - 6:00pm
Sat: 9:00am - 2:00pm
Drive Thru:
Mon - Fri: 8:30am - 6:00pm
Sat: 9:00am - 2:00pm

DEARBORN
University of Michigan

Dearborn - 4901 Evergreen Rd,

Dearborn, MI 48128
(University Center, next to
Cashiers Office)
Mon - Fri: 9:00am - 5:30pm
*Closed daily 1:30pm - 2:15pm

FLINT
1149 E. Bristol Rd,

Burton, MI 48529
Mon - Thurs: 9:30am - 5:00pm
Fri: 9:30am - 7:00pm
Drive Thru:
Mon - Thurs: 9:00am - 5:00pm
Fri: 9:00am 7:00pm

Genesys Health Park

1428 Genesys Parkway,

Grand Blanc, MI 48439
Mon - Fri: 7:30am - 3:30pm

Genesee County Branch

1101 Beach St, Room 285,

Flint, MI 48502
Mon - Fri: 8:30am - 4:30pm
*Closed daily 1:30pm - 2:15 pm

University of Michigan Flint

Virtual Branch
303 E. Kearsley St
(Located in the
University Pavilion)

CO-OP ATM Network

Enjoy free, unlimited access to

over 30,000 CO-OP Network ATMs
nationwide! Look for the CO-OP
Network logo or visit
umcu.org to find a
CO-OP Network ATM
near you.

Shared Branches

UMCU offers you free national

access at more than 5,000 Service
Center shared branches to conduct
transactions just like
you are at your local
UMCU branch. Visit
umcu.org to find a
credit union shared
branch near you.
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services offered through First Heartland

Consultants, Inc. University of Michigan Credit
Union Wealth Management is not affiliated
with First Heartland Capital, Inc. Securities
offered through First Heartland Capital, Inc.
are: not federally insured, subject to market risk
including loss of principal, not obligations of,
deposits of, or guaranteed by the Credit Union.
University of Michigan Credit Union Wealth
Management is located at 333 E William Street,
Ann Arbor, MI.

**Securities offered through First Heartland

Capital, Inc. Member FINRA & SIPC. Advisory

Take advantage of:

Competitive closing costs
Discount points available to
lower your interest rate
Interest paid on escrow
accounts. No escrow
waiver fee
No application fee
No pre-payment penalties on
most loans

UMCU NMLS #712343

Member First Mortgage
NMLS #149532
Call us to get approved today at
734-662-8200 ext. 2180!

CHECKING ACCOUNTS:

aMAIZEing LOANS:

Whatever your goals may be, we have a checking account that offers you the convenience,
value and benefits youve been looking for.

Whether youre buying a car, renovating your home or going on vacation, UMCU is here to help.
Auto Loans

Drive off the lot in your new

or used car today with a low
interest rate auto loan from
UMCU. Whatever youre looking
for, UMCU has financing options
tailor-made specifically for you.
You can also apply right at the
dealership! Visit umcu.org for a
list of participating dealers or to
apply online.

Members Choice Loan

required, the Members Choice

Loan is a fast and convenient way
to borrow money.
Flexible use your loan
for anything
Up to 60-month term
Fixed rate
Borrow up to $50,000

Line-of-Credit

With the line-of-credit, you can

advance money for anything,
anytime; whether its for auto
expenses, emergencies, school,
or for any reason. Its the most
convenient way to borrow.

Start Smart Loan

This loan is a great choice to

help you establish or rebuild
your credit, while saving money
at the same time. Your monthly
payments will be reported to the
three credit bureaus while the
funds from the loan are deposited
on hold into your UMCU savings
account. Once the loan is paid off,
you can decide to withdraw the
funds or continue to earn interest
in your account.

Student Loans

Attending a university or college

can be challenging enough
without having to worry about
how youre going to cover tuition
or books. Let UMCU make it easy
with two low interest rate
student loans.

Well help you organize,

understand your investments and
save for retirement. Sit down with
our licensed Financial Advisor
and learn how to efficiently tackle
financial goals, such as funding
educational needs or developing
an income distribution strategy
for retirement with a written
game plan. Give us a call at
734-662-8200 ext. 2700 to
learn more or to schedule a
complimentary one-on-one
consultation today!**

Wealth Management

With no hidden fees, great interest

rates and credit limits up to 95%
of the appraised value of your
home (less mortgage and liens),
UMCU is your best choice for
your home equity needs. Choose
between a closed-end Home
Equity Loan, Home Equity Line of
Credit, or Visa Gold Home Equity
Line of Credit for your Michigan
home or property.

Home Equity Loans

The Members Choice Loan is a

great option for planned expenses
such as buying home appliances,
consolidating payments, making
home improvements, or for lifes
unexpected surprises, like paying
for car repairs. With a great fixed
interest rate and no collateral

We have programs for youth, up

to the age of 18. To enroll your
child in a savings program or to
open a youth savings account,
visit umcu.org.
Make sure your children learn the
importance and value of saving
money. In our Youth Savings
programs, your child will have fun
learning about how to be smart in
saving and spending money.

Youth Savings Programs

Get a head start on the next

holiday season by opening a
Holiday Savings account. Have
your holiday shopping money
transferred to your University of
Michigan Credit Union account on
November 1st when the holidays
roll around.

Holiday Savings

Whether youre purchasing your

first home or refinancing your
existing mortgage, experience
great fixed and adjustable rate
options through our mortgage
partner, Member First Mortgage.

Mortgages

MORTGAGE & HOME EQUITY LOANS:

Adjustable interest rate
No application fees
No prepayment penalties
You can even advance money
into your savings or checking
account using MemberNet
Online Banking

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Open a Certificate or IRA with as

little as $500 and start saving for the
future today! Choose from a variety
of terms, ranging from six months
to five years. Plus we offer automatic
renewal to make it easy to reinvest
when the Certificate or IRA matures.

Certificates & IRAs

Earn interest based on the

following tiers:
$2,000 - $4,999.99
$5,000 - $9,999.99
$10,000 - $24,999.99
$25,000 +
Save money and earn interest with
a Money Market Savings account
which offers four tiers of interest
when you maintain a daily balance
of $2,000 or more.

Money Market Savings

With a variety of savings options to choose from, together we can help you reach your
personal financial goals.

SAVINGS ACCOUNTS:

Student Choice Loan

The Student Choice Loan was

created with one goal in mind
- helping you finance a higher
education without a higher price
tag. The loan can help to fill the
funding gap that exists after
other sources of aid have been
exhausted. The Student Choice
Loan is exclusively available
for students enrolled at least
half-time in an approved four
year degree-granting program.
This loan offers zero origination
fees, competitive rates and flexible
repayment options.
Apply at umcu.org.
Revolving Student Loan

Ease the worry about getting

your tuition bills paid for this
semester. Apply for a Revolving
Student Loan! Borrow the amount
you need up to $20,000 and you
can make advances (up to your
approved credit limit)
each semester for your
educational expenses.

Go Blue Checking

Go Blue Checking is the perfect

account for all your checking
needs! The Go Blue Checking
account with eStatements is easy
to maintain, has no minimum
balance requirement and no
monthly maintenance fee! Plus,
youll always have access to your
account when you need it with
the Go Blue Mobile App!
Free Basic Checking with
eStatements offers you:
Free Online Banking
Free Go Blue Mobile App with
Mobile Deposit
Free Online Bill Pay
Free Account Access
by Phone
Free Visa Check (Debit) card,
with ATM access
Online Check Reordering
Overdraft Protection Options

Visa Check/Debit Card

Your University of Michigan Credit

Unlimited Check Writing
Union Visa Debit card is your key
Privileges
to convenience. You can use your
A Variety of Check Styles to
Visa Debit card at any store that
Choose From
accepts Visa. Its free and your
Free Online Check Images
money is accessible anytime at
Free, unlimited access at
more than 30,000 CO-OP Network
more than 30,000 CO-OP
ATMs nationwide. Show your
Michigan pride with our exciting
Network ATMs nationwide
UMCU debit card designs! You
Interest Checking
can receive yours by visiting any
Take advantage of a checking
branch or by calling 734-662-8200.
account that pays you interest.
In addition to receiving everything
the Go Blue Checking offers, the
Interest Checking account offers
four tiers of interest when you
maintain a balance of $2,000
or more.