--- title: "University of Michigan Credit Union Rates (Nov 2026): CDs to 4.06%" description: "University of Michigan Credit Union rates today: savings & CDs up to 4.06% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join University of Michigan Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/university-of-michigan" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # University of Michigan Credit Union Rates (Nov 2026): CDs to 4.06% ### Mortgage rates 11 offers | Product | Published | Rate | Term / condition | Status | | **Conventional Mortgage (15 year)** other | — APR | 6.500% | — | Standard | | **Conventional Mortgage (10 year)** other | — APR | 6.500% | — | Standard | | **Conventional Mortgage** other | — APR | 6.500% | — | Standard | | **Jumbo Mortgage** other | — APR | 6.750% | — | Standard | | **Jumbo Mortgage (10 year)** other | — APR | 6.750% | — | Standard | | **Conventional Mortgage (30 year)** other | — APR | 6.875% | — | Standard | | **Jumbo Mortgage (15 year)** other | — APR | 6.875% | — | Standard | | **Conventional Mortgage (20 year)** other | — APR | 6.875% | — | Standard | | **10 Year Draw, 15 Year Repayment** other | — APR | 7.000% | — | Standard | | **Jumbo Mortgage (20 year)** other | — APR | 7.000% | — | Standard | | **Jumbo Mortgage (30 year)** other | — APR | 7.125% | — | Standard | University of Michigan Credit Union mortgage rates as of November 6, 2026 ### Auto & vehicle rates 8 offers | Product | Published | Rate | Term / condition | Status | | **Automobile Loan Rates (49 - 60 Months)** auto_any_60mo | — APR | 5.240% | 60 mo | Standard | | **Auto Loan** auto | — APR | 5.240% | — | Standard | | **Up to 36-Month Auto Loan** auto_any_36mo | — APR | 5.240% | 36 mo | Standard | | **Automobile Loan Rates (61 - 72 Months)** auto_any_72mo | — APR | 5.240% | 72 mo | Standard | | **Automobile Loan Rates (37 - 48 Months)** auto_any_48mo | — APR | 5.240% | 48 mo | Standard | | **Automobile Loan Rates (73 - 84 Months)** auto_any_84mo | — APR | 6.240% | 84 mo | Standard | | **Motorcycle & RV: Jet Ski, Snowmobile, ATV (Fixed)** motorcycle | — APR | 7.240% | — | Standard | | **Motorhome, Boat, Travel Trailer (Fixed)** rv | — APR | 7.500% | — | Standard | University of Michigan Credit Union auto & vehicle rates as of November 6, 2026 ### HELOC rates 5 offers | Product | Published | Rate | Term / condition | Status | | **HELOC (10 year draw, 15 year repayment)** heloc_variable | — APR | 7.000% | — | Standard | | **HELOC (Variable)** heloc_variable | — APR | 7.000% | — | Standard | | **Home Equity Loan (Fixed)** heloc_fixed | — APR | 7.750% | — | Standard | | **10-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 7.750% | — | Standard | | **15-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 8.250% | — | Standard | University of Michigan Credit Union heloc rates as of November 6, 2026 ### Personal loan rates 10 offers | Product | Published | Rate | Term / condition | Status | | **Certificate-Secured Loan** personal_secured | — APR | 2.000% | — | Standard | | **Personal Loan Rates (Home Improvement Loan)** personal_unsecured | — APR | 9.750% | — | Standard | | **Home Improvement Loan (Up to 84 Months)** personal_unsecured_84mo | — APR | 9.750% | 84 mo | Standard | | **Home Improvement Loan (Fixed)** personal | — APR | 9.750% | — | Standard | | **Personal Loan Rates (Build My Credit Loan)** personal_unsecured | — APR | 9.900% | — | Standard | | **Build My Credit Loan (18 Months)** personal_unsecured_18mo | — APR | 9.900% | 18 mo | Standard | | **Build My Credit Loan** personal | — APR | 9.900% | — | Standard | | **Adjustable** personal | — APR | 16.990% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 16.990% | — | Standard | | **Personal Line of Credit** ploc_variable | — APR | 16.990% | — | Standard | University of Michigan Credit Union personal loan rates as of November 6, 2026 ### Savings & CD rates 67 offers | Product | Published | Rate | Term / condition | Status | | **Money Market** money_market | — APY | 0.55% | — | Standard | | **Money Market Savings Rates ($2,000 - $4,999.99)** money_market | — APY | 0.55% | — | Standard | | **$2,000 - $4,999.99** savings | — APY | 0.55% | — | Standard | | **Money Market Savings Rates ($5,000 - $9,999.99)** money_market | — APY | 0.75% | — | Standard | | **$5,000 - $9,999.99** savings | — APY | 0.75% | — | Standard | | **Money Market Savings Rates ($10,000 - $24,999.99)** money_market | — APY | 1.05% | — | Standard | | **$10,000 - $24,999.99** savings | — APY | 1.05% | — | Standard | | **Money Market ($25,000+)** money_market | — APY | 1.15% | — | Standard | | **$25,000+** savings | — APY | 1.15% | — | Standard | | **6-Month IRA ($500+)** ira | — APY | 2.75% | 6 mo | Standard | | **6-Month Certificate ($500+)** cd_6mo | — APY | 2.75% | 6 mo | Standard | | **6-Month IRA** ira | 2.78% APY | 2.75% | 6 mo | Standard | | **24-Month IRA ($500+)** ira | — APY | 2.80% | 24 mo | Standard | | **IRA ($500+)** ira | — APY | 2.80% | — | Standard | | **24-Month Certificate ($500+)** cd_24mo | — APY | 2.80% | 24 mo | Standard | | **24-Month IRA** ira | 2.84% APY | 2.80% | 24 mo | Standard | | **6-Month Certificate ($10,000+)** cd_6mo | — APY | 2.85% | 6 mo | Standard | | **36-Month IRA ($500+)** ira | — APY | 2.85% | 36 mo | Standard | | **36-Month Certificate ($500+)** cd_36mo | — APY | 2.85% | 36 mo | Standard | | **6-Month IRA ($10,000+)** ira | — APY | 2.85% | 6 mo | Standard | | **6-Month Certificate** cd_6mo | 2.89% APY | 2.85% | 6 mo | Standard | | **36-Month IRA** ira | 2.89% APY | 2.85% | 36 mo | Standard | | **24-Month Certificate ($10,000+)** cd_24mo | — APY | 2.90% | 24 mo | Standard | | **48-Month Certificate ($500+)** cd_48mo | — APY | 2.90% | 48 mo | Standard | | **24-Month IRA ($10,000+)** ira | — APY | 2.90% | 24 mo | Standard | | **48-Month IRA ($500+)** ira | — APY | 2.90% | 48 mo | Standard | | **24-Month Certificate** cd_24mo | 2.94% APY | 2.90% | 24 mo | Standard | | **48-Month IRA** ira | 2.94% APY | 2.90% | 48 mo | Standard | | **6-Month Certificate ($100,000+)** cd_6mo | — APY | 2.95% | 6 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 2.95% | 6 mo | Standard | | **36-Month IRA ($10,000+)** ira | — APY | 2.95% | 36 mo | Standard | | **6-Month IRA ($100,000+)** ira | — APY | 2.95% | 6 mo | Standard | | **36-Month Certificate ($10,000+)** cd_36mo | — APY | 2.95% | 36 mo | Standard | | **36-Month Certificate** cd_36mo | 2.99% APY | 2.95% | 36 mo | Standard | | **48-Month IRA ($10,000+)** ira | — APY | 3.00% | 48 mo | Standard | | **48-Month Certificate ($10,000+)** cd_48mo | — APY | 3.00% | 48 mo | Standard | | **60-Month IRA ($500+)** ira | — APY | 3.00% | 60 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 3.00% | 24 mo | Standard | | **60-Month Certificate ($500+)** cd_60mo | — APY | 3.00% | 60 mo | Standard | | **24-Month IRA ($100,000+)** ira | — APY | 3.00% | 24 mo | Standard | | **24-Month Certificate ($100,000+)** cd_24mo | — APY | 3.00% | 24 mo | Standard | | **48-Month Certificate** cd_48mo | 3.04% APY | 3.00% | 48 mo | Standard | | **60-Month IRA** ira | 3.04% APY | 3.00% | 60 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 3.05% | 36 mo | Standard | | **36-Month IRA ($100,000+)** ira | — APY | 3.05% | 36 mo | Standard | | **36-Month Certificate ($100,000+)** cd_36mo | — APY | 3.05% | 36 mo | Standard | | **48-Month IRA ($100,000+)** ira | — APY | 3.10% | 48 mo | Standard | | **60-Month Certificate ($10,000+)** cd_60mo | — APY | 3.10% | 60 mo | Standard | | **48-Month Certificate ($100,000+)** cd_48mo | — APY | 3.10% | 48 mo | Standard | | **60-Month IRA ($10,000+)** ira | — APY | 3.10% | 60 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 3.10% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | 3.14% APY | 3.10% | 60 mo | Standard | | **60-Month Certificate ($100,000+)** cd_60mo | — APY | 3.20% | 60 mo | Standard | | **60-Month IRA ($100,000+)** ira | — APY | 3.20% | 60 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 3.20% | 60 mo | Standard | | **12-Month IRA ($500+)** ira | — APY | 3.50% | 12 mo | Standard | | **12-Month Certificate ($500+)** cd_12mo | — APY | 3.50% | 12 mo | Standard | | **12-Month IRA** ira | 3.56% APY | 3.50% | 12 mo | Standard | | **12-Month IRA ($10,000+)** ira | — APY | 3.60% | 12 mo | Standard | | **12-Month Certificate ($10,000+)** cd_12mo | — APY | 3.60% | 12 mo | Standard | | **12-Month Certificate** cd_12mo | 3.66% APY | 3.60% | 12 mo | Standard | | **12-Month Certificate ($100,000+)** cd_12mo | — APY | 3.75% | 12 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.75% | 12 mo | Standard | | **12-Month IRA ($100,000+)** ira | — APY | 3.75% | 12 mo | Standard | | **Certificate** cd | — APY | 3.75% | — | Standard | | **3-Month Certificate ($500+)** cd_3mo | — APY | 3.99% | 3 mo | Standard | | **3-Month Certificate** cd_3mo | 4.06% APY | 3.99% | 3 mo | Standard | University of Michigan Credit Union savings & cd rates as of November 6, 2026 Savings and certificate yields up to 4.06% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/university-of-michigan) , verified from [University of Michigan Credit Union's official website](https://www.umcu.org/) Loading branch locator… ## 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](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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 Trust** Ann Arbor - Packard Branch · Ann Arbor · MI · 48104-6368 About 0.7 miles away](https://rateapi.dev/credit-unions/michigan/lake-trust) [**Lake Michigan** Ann Arbor · Ann Arbor · MI · 48108 About 1.9 miles away](https://rateapi.dev/credit-unions/michigan/lake-michigan) [**DFCU Financial** DFCU - Carpenter Road Branch · Ann Arbor · MI · 48108 About 2.2 miles away](https://rateapi.dev/credit-unions/michigan/dfcu-financial) [**Communityamerica** Ann Arbor · Ann Arbor · MI · 48105 About 2.9 miles away](https://rateapi.dev/credit-unions/kansas/communityamerica) [**Michigan Schools and Government** Ann Arbor · Ann Arbor · MI · 48103-4543 About 3.1 miles away](https://rateapi.dev/credit-unions/michigan/michigan-schools-and-government) [**Credit Union One** CUO-Ann Arbor · Ann Arbor · MI · 48105-1550 About 3.4 miles away](https://rateapi.dev/credit-unions/michigan/credit-union-one) 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](https://rateapi.dev/eligibility-methodology) . 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](https://www.umcu.org/) . Final membership determination is always made by the credit union. ## Work at University of Michigan Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where University of Michigan Credit Union ranks against Michigan peers. - See which AI assistants fetched University of Michigan Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Michigan - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=university-of-michigan&state=michigan&code=MI&name=University%20of%20Michigan%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## 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 November 6, 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 November 6, 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 best CD rate? As of November 6, 2026, University of Michigan Credit Union offers savings and certificate (CD) yields up to 4.06% APY. ### Who can join University of Michigan Credit Union? University of Michigan Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare University of Michigan Credit Union's rates against national credit-union benchmarks. [More Michigan credit unions](https://rateapi.dev/credit-unions/michigan) [Michigan mortgage rate leaders](https://rateapi.dev/mortgage-rates/michigan) [Michigan auto loan rate leaders](https://rateapi.dev/auto-loan-rates/michigan) [Michigan HELOC rate leaders](https://rateapi.dev/heloc-rates/michigan) [Michigan personal loan leaders](https://rateapi.dev/personal-loan-rates/michigan) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.umcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track University of Michigan Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Michigan credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API 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" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## University of Michigan Credit Union locations Search, filter, and browse all 15 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/michigan/university-of-michigan Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp