Bank · FDIC insured
University Bank
A $1.2B bank headquartered in Ann Arbor, MI, with 2 branches in Michigan. Best rates: savings 4.08% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Savings: no rate at the amounts we compare. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings—4.08%Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About University Bank
University Bank is a locally owned and locally managed community bank primarily serving Ann Arbor and Ypsilanti in Washtenaw County, Michigan.
Its community banking operations focus on local residents, businesses, and non-profit organizations, with specialties in deposit products, real estate mortgage lending, and business loans.
In December 2025, the bank acquired 37.4999% of Credit Union Trust for $3.75 million, increasing its ownership to 49.9999% as part of its wealth management strategy.
- Headquarters
- 2015 Washtenaw Ave, Ann Arbor, MI 48104
- FDIC certificate
- 14587 ↗
Branches
2 branches in Michigan
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Michigan
2 branches
Ann Arbor area · 1
- University BankMain office2015 Washtenaw Ave, Ann Arbor, MI 48104Directions
Ypsilanti area · 1
- Ypsi Branch301 W Michigan Ave, Ypsilanti, MI 48197Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.08% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.41% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.08% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $103 | $88 | — |
- CapitalLeverage ratio10.08%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.41%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.08%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$103Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 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 noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of University Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.