University of Michigan Credit Union

Ann Arbor, Michigan
Last verified: August 4, 2026
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Verified rate book

Current University of Michigan Credit Union rates

94 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

11 offers
University of Michigan Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Conventional Mortgage (10 year)other5.875% APR5.875%—Standard
Conventional Mortgageother5.875% APR5.875%—Standard
Jumbo Mortgage (10 year)other6.000% APR6.000%—Standard
Conventional Mortgage (15 year)other6.000% APR6.000%—Standard
Jumbo Mortgageother6.000% APR6.000%—Standard
Conventional Mortgage (20 year)other6.125% APR6.125%—Standard
Jumbo Mortgage (20 year)other6.250% APR6.250%—Standard
Jumbo Mortgage (15 year)other6.250% APR6.250%—Standard
Jumbo Mortgage (30 year)other6.375% APR6.375%—Standard
Conventional Mortgage (30 year)other6.500% APR6.500%—Standard
10 Year Draw, 15 Year Repaymentother6.750% APR6.750%—Standard

Auto & vehicle rates

8 offers
University of Michigan Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Auto Loanauto5.240% APR5.240%—Standard
Automobile Loan Rates (61 - 72 Months)auto_any_72mo5.240% APR5.240%72 moStandard
Automobile Loan Rates (49 - 60 Months)auto_any_60mo5.240% APR5.240%60 moStandard
Automobile Loan Rates (37 - 48 Months)auto_any_48mo5.240% APR5.240%48 moStandard
Up to 36-Month Auto Loanauto_any_36mo5.240% APR5.240%36 moStandard
Automobile Loan Rates (73 - 84 Months)auto_any_84mo6.240% APR6.240%84 moStandard
Motorcycle & RV: Jet Ski, Snowmobile, ATV (Fixed)motorcycle7.240% APR7.240%—Standard
Motorhome, Boat, Travel Trailer (Fixed)rv7.500% APR7.500%—Standard

HELOC rates

5 offers
University of Michigan Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
HELOC (Variable)heloc_variable6.750% APR6.750%—Standard
HELOC (10 year draw, 15 year repayment)heloc_variable6.750% APR6.750%—Standard
10-Year Home Equity Loan (Fixed)heloc_fixed7.750% APR7.750%—Standard
Home Equity Loan (Fixed)heloc_fixed7.750% APR7.750%—Standard
15-Year Home Equity Loan (Fixed)heloc_fixed8.250% APR8.250%—Standard

Personal loan rates

9 offers
University of Michigan Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Certificate-Secured Loanpersonal_secured2.000% APR2.000%—Standard
Home Improvement Loan (Fixed)personal9.750% APR9.750%—Standard
Personal Loan Rates (Home Improvement Loan)personal_unsecured9.750% APR9.750%—Standard
Home Improvement Loan (Up to 84 Months)personal_unsecured_84mo9.750% APR9.750%84 moStandard
Build My Credit Loanpersonal9.900% APR9.900%—Standard
Personal Loan Rates (Build My Credit Loan)personal_unsecured9.900% APR9.900%—Standard
Build My Credit Loan (18 Months)personal_unsecured_18mo9.900% APR9.900%18 moStandard
Personal Line of Creditploc_variable16.740% APR16.740%—Standard
Adjustablepersonal16.740% APR16.740%—Standard

Savings & CD rates

61 offers
University of Michigan Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Money Market Savings Rates ($5,000 - $9,999.99)money_market0.45% APY0.45%—Standard
Money Marketmoney_market0.45% APY0.45%—Standard
Money Market Savings Rates ($2,000 - $4,999.99)money_market0.45% APY0.45%—Standard
$2,000 - $4,999.99savings0.45% APY0.45%—Standard
$5,000 - $9,999.99savings0.45% APY0.45%—Standard
Money Market Savings Rates ($10,000 - $24,999.99)money_market0.75% APY0.75%—Standard
$10,000 - $24,999.99savings0.75% APY0.75%—Standard
Money Market ($25,000+)money_market1.05% APY1.05%—Standard
$25,000+savings1.05% APY1.05%—Standard
IRA $500 minimum deposit (6 Month)ira2.51% APY2.51%6 moStandard
6-Month IRAira2.54% APY2.51%6 moStandard
Certificate $500 minimum deposit (6 Month)cd_6mo2.60% APY2.60%6 moStandard
IRA $10,000 minimum deposit (6 Month)ira2.61% APY2.61%6 moStandard
6-Month Certificatecd_6mo2.63% APY2.60%6 moStandard
IRA $500 minimum depositira2.66% APY2.66%—Standard
IRA $500 minimum deposit (24 Month)ira2.66% APY2.66%24 moStandard
Certificate $500 minimum deposit (24 Month)cd_24mo2.66% APY2.66%24 moStandard
24-Month IRAira2.69% APY2.66%24 moStandard
IRA $500 minimum deposit (48 Month)ira2.70% APY2.70%48 moStandard
Certificate $10,000 minimum deposit (6 Month)cd_6mo2.70% APY2.70%6 moStandard
IRA $500 minimum deposit (36 Month)ira2.70% APY2.70%36 moStandard
Certificate $500 minimum deposit (48 Month)cd_48mo2.70% APY2.70%48 moStandard
IRA $500 minimum deposit (60 Month)ira2.70% APY2.70%60 moStandard
Certificate $500 minimum deposit (36 Month)cd_36mo2.70% APY2.70%36 moStandard
Certificate $500 minimum deposit (60 Month)cd_60mo2.70% APY2.70%60 moStandard
IRA $100,000 minimum deposit (6 Month)ira2.71% APY2.71%6 moStandard
6-Month Certificatecd_6mo2.71% APY2.71%6 moStandard
60-Month IRAira2.73% APY2.70%60 moStandard
36-Month IRAira2.73% APY2.70%36 moStandard
48-Month IRAira2.73% APY2.70%48 moStandard
IRA $10,000 minimum deposit (24 Month)ira2.76% APY2.76%24 moStandard
Certificate $10,000 minimum deposit (24 Month)cd_24mo2.76% APY2.76%24 moStandard
Certificate $10,000 minimum deposit (60 Month)cd_60mo2.80% APY2.80%60 moStandard
Certificate $10,000 minimum deposit (36 Month)cd_36mo2.80% APY2.80%36 moStandard
Certificate $10,000 minimum deposit (48 Month)cd_48mo2.80% APY2.80%48 moStandard
Certificate $100,000 minimum deposit (6 Month)cd_6mo2.80% APY2.80%6 moStandard
IRA $10,000 minimum deposit (36 Month)ira2.80% APY2.80%36 moStandard
IRA $10,000 minimum deposit (48 Month)ira2.80% APY2.80%48 moStandard
IRA $10,000 minimum deposit (60 Month)ira2.80% APY2.80%60 moStandard
Certificate $100,000 minimum deposit (24 Month)cd_24mo2.86% APY2.86%24 moStandard
IRA $100,000 minimum deposit (24 Month)ira2.86% APY2.86%24 moStandard
Certificate $100,000 minimum deposit (48 Month)cd_48mo2.90% APY2.90%48 moStandard
Certificate $100,000 minimum deposit (36 Month)cd_36mo2.90% APY2.90%36 moStandard
24-Month Certificatecd_24mo2.90% APY2.86%24 moStandard
IRA $100,000 minimum deposit (60 Month)ira2.90% APY2.90%60 moStandard
IRA $100,000 minimum deposit (36 Month)ira2.90% APY2.90%36 moStandard
IRA $100,000 minimum deposit (48 Month)ira2.90% APY2.90%48 moStandard
Certificate $100,000 minimum deposit (60 Month)cd_60mo2.90% APY2.90%60 moStandard
60-Month Certificatecd_60mo2.94% APY2.90%60 moStandard
48-Month Certificatecd_48mo2.94% APY2.90%48 moStandard
36-Month Certificatecd_36mo2.94% APY2.90%36 moStandard
Certificate $500 minimum deposit (12 Month)cd_12mo3.50% APY3.50%12 moStandard
12-Month Certificatecd_12mo3.56% APY3.50%12 moStandard
IRA $500 minimum deposit (12 Month)ira3.58% APY3.58%12 moStandard
Certificate $10,000 minimum deposit (12 Month)cd_12mo3.60% APY3.60%12 moStandard
12-Month IRAira3.64% APY3.58%12 moStandard
IRA $10,000 minimum deposit (12 Month)ira3.68% APY3.68%12 moStandard
Certificatecd3.75% APY3.75%—Standard
Certificate $100,000 minimum deposit (12 Month)cd_12mo3.75% APY3.75%12 moStandard
12-Month Certificatecd_12mo3.78% APY3.78%12 moStandard
IRA $100,000 minimum deposit (12 Month)ira3.78% APY3.78%12 moStandard

As of August 4, 2026, University of Michigan Credit Union offers mortgage rates from 5.875% APR. Vehicle loans available from 5.24% APR. HELOC rates from 6.75% APR. Personal loan rates from 2% APR. Savings and certificate yields up to 3.78% APY.

Source: RateAPI.dev, verified from University of Michigan Credit Union's official website

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About University of Michigan Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
122.7K
Assets
$1.4B
Founded
1954
Locations reported
15
NCUA charter
61552
Charter type
Federally insured state-chartered credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Financial counseling
  • Financial education
  • First-time homebuyer program
  • Student scholarships

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Lake TrustAnn Arbor - Packard Branch · Ann Arbor · MI · 48104-6368Branch in the same ZIPDFCU FinancialDFCU - Briarwood Branch · Ann Arbor · MI · 48108About 2.9 miles awayLake MichiganAnn Arbor · Ann Arbor · MI · 48108About 2.9 miles awayCommunityamericaAnn Arbor · Ann Arbor · MI · 48105About 4.6 miles awayCredit Union OneCUO-Ann Arbor · Ann Arbor · MI · 48105-1550About 4.6 miles awayMichigan FirstYpsilanti Kroger · Ypsilanti · MI · 48197About 6.1 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join University of Michigan Credit Union

Membership eligibility from University of Michigan Credit Union's own published criteria. How we verify this.

Membership criteria are published on University of Michigan Credit Union's website. Check the membership page below to confirm whether you qualify.

Verified from University of Michigan Credit Union's membership page. Final membership determination is always made by the credit union.

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Frequently Asked Questions

What rates does University of Michigan Credit Union offer?

University of Michigan Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are University of Michigan Credit Union rates updated?

RateAPI verifies University of Michigan Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get University of Michigan Credit Union's rate data?

Rate data is collected directly from University of Michigan Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is University of Michigan Credit Union's mortgage rate?

As of August 4, 2026, University of Michigan Credit Union offers mortgage rates from 5.875% APR.

What are University of Michigan Credit Union's auto, rv & motorcycle loan rates?

As of August 4, 2026, University of Michigan Credit Union offers vehicle loans from 5.24% APR.

What is University of Michigan Credit Union's HELOC rate?

As of August 4, 2026, University of Michigan Credit Union offers home equity lines of credit from 6.75% APR.

What is University of Michigan Credit Union's personal loan rate?

As of August 4, 2026, University of Michigan Credit Union offers personal loans from 2% APR.

What is University of Michigan Credit Union's best CD rate?

As of August 4, 2026, University of Michigan Credit Union offers savings and certificate (CD) yields up to 3.78% APY.

Related Rate Data

Compare University of Michigan Credit Union's rates against national credit-union benchmarks.

More Michigan credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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Track University of Michigan Credit Union rates

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terminal
# Get rates for University of Michigan Credit Union
curl "https://api.rateapi.dev/credit-unions/michigan/university-of-michigan" \
  -H "Authorization: Bearer YOUR_API_KEY"
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