Credit union · NCUA insured
University of Michigan Credit Union
A $1.4B credit union, the 349th largest of 4,329, headquartered in Ann Arbor, MI, with 122,745 members and 14 branches in Michigan. Best rates: CDs 3.82% and savings 1.06% APY.
University of Michigan Credit Union Carrot Score
86
Carrot Score
Higher than 72% of U.S. banks and credit unions
#7 of 21 in Ann Arbor, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About University of Michigan Credit Union
Founded in 1954 in Ann Arbor, Michigan, UMCU is a member-owned credit union headquartered in Ann Arbor.
The credit union serves over 119,000 members statewide with branches and services across Metro Detroit and Michigan.
- Headquarters
- 340 E Huron St, Ann Arbor, MI 48104
- NCUA charter
- 61552
Branches
14 branches in Michigan
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Michigan
14 branches
Ann Arbor area · 10
- Carpenter Road Branch2621 Carpenter Rd, Ann Arbor, MI 48108Directions
- Huron Branch340 E Huron St, Ann Arbor, MI 48104Directions
- Jackson Road Branch4440 Jackson Rd, Ann Arbor, MI 48103Directions
- Michigan Medicine1500 E Medical Center Dr Ste 2B223, Ann Arbor, MI 48109Directions
- Michigan Union Branch530 S State St Ste G308, Ann Arbor, MI 48109Directions
- Pierpont Branch2101 Bonisteel Blvd Ste 1212, Ann Arbor, MI 48109Directions
- Plymouth Road Branch2601 Plymouth Rd Ste C, Traver Village Mall, Ann Arbor, MI 48105Directions
- South State Street Branch2725 S State St, Ann Arbor, MI 48104Directions
- South University Branch1121 S University Ave, Ann Arbor, MI 48104Directions
- EMUCU Student Center Branch900 Oakwood St Ste 109, Ypsilanti, MI 48197Directions
Flint area · 2
- Bristol Road Branch1149 E Bristol Rd, Burton, MI 48529Directions
- Genesys Health Park Branch1428 Genesys Pkwy, Grand Blanc, MI 48439Directions
Detroit area · 2
- Dearborn Branch4901 Evergreen Rd, 1197 University Center, Dearborn, MI 48128Directions
- Northville Township39521 Traditions Drive, Northville, MI 48168Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.08% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.82% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.41% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $103 | $88 | — |
- CapitalNet worth ratio11.08%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.82%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.41%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$103Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 University of Michigan Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.