Credit union · NCUA insured
Michigan United Credit Union
Top CarrotA $346.4M credit union headquartered in Auburn Hills, MI, with 24,056 members and 9 branches in Michigan. Best rates: CDs 3.91% and savings 0.10% APY.
Michigan United Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 79% of U.S. banks and credit unions
#21 of 75 in Detroit, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Michigan United Credit Union
Organized and chartered in Michigan in 1931, the credit union was originally created to serve teachers and employees of the Birmingham School system.
In 2021, Birmingham Bloomfield Credit Union changed its name to Michigan United Credit Union following the merger of four credit unions.
The credit union operates branch locations across Auburn Hills, Birmingham, Holly, Lake Orion, Shelby Township, St. Clair Shores, Warren, and Waterford.
- Headquarters
- 3501 Hamlin Rd, Auburn Hills, MI 48326
- NCUA charter
- 61698
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who reside, work, worship, or attend school in the state of Michigan are eligible for membership.
Cost to join
- A minimum cash deposit and balance of $5 in a share savings account is required to join and maintain member benefits.
Branches
9 branches in Michigan
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Michigan
9 branches
- Auburn HillsMain office3501 Hamlin Rd, Auburn Hills, MI 48326Directions
- Birmingham576 E Lincoln St, Birmingham, MI 48009Directions
- Holly15156 N Holly Rd, Holly, MI 48442Directions
- Lake Orion350 N Park Blvd, Lake Orion, MI 48362Directions
- Shelby Township13643 23 Mile Rd, Shelby Township, MI 48315Directions
- Shores25901 Harper Ave, St. Clair Shores, MI 48081Directions
- Warren30160 Van Dyke Ave, Warren, MI 48093Directions
- Waterford North4770 Dixie Hwy, Waterford, MI 48329Directions
- Waterford West6375 Highland Rd, Waterford, MI 48327Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.98% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.10% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.52% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $73 | $76 | — |
- CapitalNet worth ratio11.98%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.10%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.52%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$73Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Michigan United Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.