University of Michigan Credit Union Dearborn MI | Affordable Auto Loans & Business Banking

Introduction

Welcome to the University Of Michigan Dearborn Branch, where community and commitment go hand in hand. Located at 4901 Evergreen Rd, Dearborn, MI 48128, our branch has been a pillar of financial support since 1954, proudly serving 118,034 members. Our dedicated team of 232 employees, led by CEO Tiffany Ford and Board President Earl Bell, is here to ensure that you receive personalized service and expert financial guidance. At the University Of Michigan Dearborn Branch, we understand that your financial needs are unique. With total assets exceeding $1.33 billion and a robust loan portfolio consisting of 80,111 loans, we are equipped to help you achieve your financial goals whether it's buying a new car or planning for retirement. You can count on us to safeguard your hard-earned money; our total deposits stand at $86,504,905, reinforcing our commitment to your financial security. While members can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 7850, Ann Arbor, MI 48107. We invite you to explore our wide range of services including personal banking, auto loans, mortgage financing, and business banking solutions all designed with you in mind. Experience the difference of being part of a credit union that prioritizes its members. For any questions or assistance, feel free to reach out to us at 734-662-8200. Your journey towards better financial health starts here! Visit us online at umcu.org for more information about our offerings and how we can assist you today.

Branch History & Mission

Community Commitment

The University Of Michigan is committed to more than just offering great rates; we actively participate in community outreach efforts that strengthen the bonds within Dearborn and surrounding areas. Our partnerships with local organizations reflect our dedication to helping those around us thrive. We recognize that technology plays an essential role in modern banking; therefore, we offer online banking services and mobile applications that allow you to manage your accounts anytime, anywhere. Our goal is to ensure that every member feels valued and supported throughout their financial journey. Join us at the University Of Michigan's Dearborn Branch today! Experience firsthand how we can help you achieve your financial dreams while contributing positively to our vibrant community. Together, let's build a brighter future!

Our Mission

At the heart of our organization lies a mission that goes beyond just financial transactions. We strive to empower our members by providing innovative banking solutions while fostering community development and support. We believe in creating opportunities for every individual to achieve their financial goals. Whether you're seeking guidance on loans or looking for ways to manage your finances better, we are here to help. Our operating hours are designed with your convenience in mind Monday through Friday from 9:00 AM to 5:30 PM making it easy for you to visit us and discuss your financial aspirations. Although we do not have a drive-thru service at this location, we offer ATM access for quick cash withdrawals and balance checks. Additionally, we encourage you to reach out with any questions or concerns at our dedicated phone line: 734-662-8200. While members can visit us at 4901 Evergreen Rd for all their banking needs, official correspondence should be sent to PO Box 7850 in Ann Arbor if different from our branch address.

Branch Location & Accessibility

Accessibility Features

Our branch is fully equipped to ensure all members can access our services easily. We offer ADA-compliant features, including ramps and spacious parking options right outside our doors. If you have any special needs or require assistance during your visit, our friendly staff is always ready to help.

Operating Hours

We understand that life can get busy, which is why we strive to keep our hours flexible for you. You can visit us Monday through Friday from 9:00 AM to 5:30 PM. If you can't make it during these hours, don't worry! Our ATM services are available around the clock for those quick cash withdrawals or balance checks. While members can visit us at 4901 Evergreen Rd, official correspondence should be sent to PO Box 7850, Ann Arbor, MI 48107.

Services Offered

At the Dearborn Branch, we provide a wide range of banking services tailored just for you. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards there's something for everyone. Plus, we offer business banking solutions as well. You can manage your finances easily with our online and mobile banking platforms. Feel free to reach out at 734-662-8200 if you have any questions or need assistance before your visit. We invite you to come experience exceptional service at the University Of Michigan's Dearborn Branch today!

Member Eligibility

At University Of Michigan, we believe in creating a community that supports one another, and we're excited to welcome new members! Becoming a part of our family is easy and inclusive. If you live, work, or attend school in the areas we serve, you're likely eligible to join us. We also welcome certain family members of existing members, which helps strengthen our community ties. To find out all the specific eligibility criteria, feel free to visit this page for detailed information. Joining us not only opens the door to a variety of financial services but also gives you access to personalized support from our dedicated team. Whether you're interested in opening an account or learning more about our loan options, we're here to help every step of the way. Ready to take the next step? You can easily start your journey by checking out our account opening details here. If you have any questions or need assistance, don't hesitate to give us a call at (734) 662-8200. We can't wait to welcome you into the University Of Michigan family!

Business Banking & Commercial Services

Financing Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $8 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $6 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $4,543,050, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Work for You

In addition to loans, our merchant services help streamline your operations. Imagine having a reliable payment processing system that allows you to focus on what matters most growing your business. Our services ensure that you can accept payments easily, manage transactions smoothly, and keep your cash flow steady. Located conveniently at 4901 Evergreen Rd Dearborn Mi 48128 in Dearborn, MI, we're ready to partner with you on your journey to success. For more information or to get started, call us at (734) 662-8200 or visit us online!

Comprehensive List Of Services

ATM Services for Quick Access

Need cash on the go? Our ATM & Cash Withdrawal Services ensure you can access your funds easily when you need them most. Plus, our basic ATM access allows for quick withdrawals and balance checks without any hassle. Whether you're visiting us in person at our Dearborn location or accessing our services online, we're here to help simplify your financial journey. If you're ready to explore what University Of Michigan can do for you, call us at (734) 662-8200 or visit our website at https://www.umcu.org/Home. Let us partner with you on your path to financial success!

Business Banking Solutions

If you're a business owner, University Of Michigan has you covered as well. Our Business Banking services include merchant services and business loans tailored specifically for your needs. We know that managing a business requires flexibility, and we're here to support you every step of the way.

Convenient Digital Access

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features that let you manage your accounts anywhere, anytime. With easy access to view balances, transfer funds, and pay bills right from your device, banking has never been simpler.

Credit Cards that Reward You

Don't forget about our Credit Cards with Rewards, which allow you to earn points on every purchase. Whether it's cash back or travel rewards, these cards make everyday spending more rewarding!

Personal Banking Made Easy

At University Of Michigan, we understand that managing your finances can sometimes feel overwhelming. That's why we offer Personal Banking solutions that include checking and savings accounts designed to fit your lifestyle. Need help consolidating debt or financing a big purchase? Our Personal Loans & Debt Consolidation options can assist you in achieving those goals without breaking the bank.

Vehicle Financing at Your Fingertips

For those looking to hit the road, our Auto Loans & Vehicle Financing services provide competitive rates and flexible terms. Imagine driving off in your dream car while knowing you've made a smart financial choice! We also cater to homeowners with our Mortgage Loans & Refinancing options, helping you secure the best rates available.

Digital & Online Banking

Convenient Online Banking

Our online banking services are available 24/7 at https://www.umcu.org/Home. Whether you're checking your balance, transferring funds, or paying bills, you can do it all from the comfort of your home or on the go. This flexibility ensures that you have real-time access to your accounts whenever you need it.

Mobile Banking on the Go

For those who prefer managing their finances through their smartphones, our mobile application is ready for download. You can easily make person-to-person transfers with just a few taps perfect for splitting bills with friends or sending money to family. Although mobile payments aren't currently offered, our app provides all the essential features to help you stay organized and informed about your financial health. With University Of Michigan, you'll find that managing your money has never been easier. Join us in embracing a smarter way to bank!

User-Friendly Features

We prioritize your security and convenience. Our electronic signature authorization makes it simple for you to complete transactions quickly and securely. Plus, with e-statements available, you can say goodbye to paper clutter while keeping track of your finances effortlessly.

Financial Strength

Growing Membership

Total Share and Deposit Accounts stand at 241,835, showing a strong and growing member base that trusts us with their finances. With net shares available for lending and investments amounting to $15,834,236, we are well-positioned to meet your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, University Of Michigan is your trusted partner. Visit us at 4901 Evergreen Rd Dearborn Mi 48128 or call (734) 662-8200 to learn more about how we can help you achieve your financial goals.

Investment in Services

With $139,463,623 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; we have $17,891 in used auto loans and $1,052,318,501 in total loans and leases that support our members' financial goals across various sectors.

Member-Focused Savings

Members' savings are secured through $85,916,140 in share certificates and $186,145,886 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 228 full-time employees and 4 part-time employees who are dedicated to providing you with knowledgeable service whenever you need it.

Strong Financial Health

With a net worth of $144,340,876, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,084 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $242,101,436 in used vehicle loans and $141,127,994 in new vehicle loans already helping members get on the road. We also provide refinancing options if you're looking to lower your monthly payments or reduce your interest rate.

Business Loans

For business owners, our outstanding commercial loans totaling $4,543,050 provide the capital needed to grow and expand. Whether you need funds for equipment or working capital, our team is here to assist you every step of the way. At University Of Michigan, we believe that everyone deserves access to financial resources that work for them. If you're interested in learning more about our loan offerings or checking your eligibility for any of our products, please give us a call at 734-662-8200 or visit us online at umcu.org. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step towards reaching your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $68,151,854, make buying or refinancing simple. We aim to make the process as straightforward as possible so that you can focus on creating lasting memories in your new home.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $107,792,676 in loans helping members manage their finances effectively. These cards provide a great way to build credit while enjoying various rewards and benefits.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a user-friendly interface, LendMesh helps you navigate through various options effortlessly. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This means you receive fair and transparent offers, allowing you to make informed decisions without hidden surprises. One of the standout features of LendMesh is its commitment to verified data. Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. Additionally, LendMesh does not prioritize lenders based on paid promotions there are no sponsored listings. This dedication to unbiased results empowers users to find the best loans based solely on their needs. LendMesh provides real-time rate comparisons, offering up-to-date loan rates from multiple institutions. This feature allows you to stay informed about market trends and helps you secure the most favorable terms available. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Testimonials like this highlight the platform's reliability and effectiveness. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*