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Routing Number: 272476543
Find a Branch or ATM

Rates & Fees
Events
Schedule Appt
Get the App
Open an Account

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Accounts

For over 70 years, UMCU has been committed to helping members achieve their financial goals with personalized solutions and exceptional service. From checking to retirement accounts, we're here for you every step of the way.

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Whether you're buying a car, planning for a new home, or consolidating debt, UMCU has loan and credit card options to fit your needs. Let our friendly team guide you every step of the way!

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Ready to enhance your financial health? Explore our library of resources, including engaging webinars, informative workshops, and helpful calculators. Start your financial journey today!

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Accounts
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Accounts
Savings

Savings

Money Market

Certificates of Deposit (CD)

IRAs

View Savings Page

Checking

Go Blue^™ Checking

Detroit Lions Checking

Interest Checking

Debit Cards

View Checking Page

Business

Business Savings

Business Silver Checking

Business Gold Checking

View Business Page

Student

Student Account Package

View Student Page

Specialty

Additional Services

Notary Services

Online Banking

Mobile App

Phone Banking

Wire Transfers

Bill Pay

Cashier's Checks

Signature Guarantee

Mobile Deposit

Gift Cards

Coin Machines

View Additional Services Page
View Accounts
Loans & Credit Cards
Back
Loans & Credit Cards
Credit Cards

Visa^® Platinum Optimum

Visa^® Platinum Cash Rewards

View Credit Cards Page

Home Loans

Mortgages

Home Equity Line of Credit (HELOC)

Home Improvement Loan

View Home Loans Page

Vehicle Loans

New & Used Auto Loans

Motorcycle & RV Loans

Boat Loans

Motorhome Loans

Travel Trailer Loans

View Vehicle Loans Page

Personal Loans

My Choice Loan

Home Improvement Loan

Technology Loan

Line of Credit (LOC)

Build My Credit Loan

Certificate Secured Loan

View Personal Loans Page

Student Loans

Student Choice Loan

Revolving Student Loan

View Student Loans Page

Rates
View Loans & Credit Cards
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Member Benefits

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Financial Education

Financial Milestones

Upcoming Classes

How to Create a Budget

Establishing Credit

Fraud Protection

Handling Debt

Financial Wellness Documents

UMCU Scholarship Program

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Resources

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FAQs

News

Downloads

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Auto Financing Explained

Auto Financing Explained

Name: Auto Financing Explained
Uploaded: 2025-07-18
Description: You've done your research — you've asked all the right questions and you've found the car for you. Now, you're left with the final step — financing your car.