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iAdvertiser Disclosure
Advertiser Disclosure
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 Michigan United Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 12, 2026
Michigan United Credit Union's 1 Year CD rates are at 3.96%, 1 Year IRA CD rates are at 3.96%, 1 Year CD rates are at 3.91%, 1 Year IRA CD rates are at 3.91%, 18 Month CD rates are at 3.80%. Michigan United Credit Union's savings rates are at 0.05%. MonitorBankRates evaluates the financial stability of Michigan United Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.33%. Rates were last updated on 04/12/2026. Michigan United Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Michigan United Credit Union? Share your experience about Michigan United Credit Union by leaving a review below, or read customer reviews before you decide to use Michigan United Credit Union. Michigan United Credit Union
Auburn Hills 3501 Hamlin Rd
https://www.michiganunitedcu.org Auburn Hills, MI 48326 
Michigan United Credit Union CD Rates
Michigan United Credit Union Savings Rates
Michigan United Credit Union Checking Rates
Michigan United Credit Union Mortgage Rates
Michigan United Credit Union Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Michigan United Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Michigan United Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Michigan United Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Michigan United Credit Union
Website
https://www.michiganunitedcu.org
Address
3501 Hamlin Rd,
Auburn Hills, MI 48326
Phone
248-814-4000
Fax
President
Richard Perry
CEO
Andrew Staley
Full-Time Employees
81
Part-Time Employees
5
Branch Locations
9
ATM Locations
7
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.33%
Return on Assets (ROA)
0.9839%
Return on Equity (ROE)
8.0855%
Non-Performing Loans Ratio (NPL)
0.24%
Total Assets
332,308,615
Total Amount of Shares and Deposits
289,857,928
Total Shares and Deposits < 1 Year
287,547,225
Total Shares and Deposits 1 3 Years
2,231,595
Total Shares and Deposits > 3 Years
79,108
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
10,562,251
Total Uninsured Shares and Deposits > $250K (F+J)
10,562,251
Total Insured Shares and Deposits > $250K (item 17 less item K)
279,295,677
Total Interest Expense (Sum of items 6 8)
1,337,076
Share Certificates
1,192
Number of Accounts for Share Drafts
11,099
IRA KEOGH Accounts
381
Number of Accounts for Regular Shares
27,535
All other shares
174
Money Market Shares
2,205
Net Income (unless the amount is already included in Undivided Earnings)
3,269,574
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
8,102,988
Total Liabilities
291,988,052
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Michigan United Credit UnionIs Michigan United Credit Union a safe place to deposit money?Yes, Michigan United Credit Union is considered a safe financial institution. With a Texas Ratio of 1.3310210215268%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Michigan United Credit Union operate?Michigan United Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Michigan United Credit Union?Yes, to access services at Michigan United Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Michigan United Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Michigan United Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Michigan United Credit Union offer online and mobile banking?Most modern institutions like Michigan United Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.michiganunitedcu.org. Current Michigan United Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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