Business Details
5 Years
experience
Your Trusted Financial Partner in Michigan
Unity Credit Union was established on July 1, 2021, through the merger of four Michigan-based credit unions, creating a stronger financial institution with expanded services. Our roots trace back to 1931 when Birmingham Teachers Credit Union was founded to serve local educators. Today, we serve all Michigan residents, offering a comprehensive range of financial products including checking and savings accounts, loans, credit cards, and specialized services like home equity financing and auto loans. Our mission focuses on delivering personalized financial solutions while fostering community growth through local partnerships and initiatives. We maintain physical branches in Auburn Hills, Birmingham, Holly, Lake Orion, Shelby, St. Clair Shores, Warren, and Waterford, complemented by digital banking tools for 24/7 account management.Our team combines decades of local banking experience with modern financial technology to provide secure, member-centric services. Federally insured by NCUA, we adhere to strict regulatory standards while maintaining transparent fee structures and member protections. Our commitment to financial education is demonstrated through tutorial videos, online calculators, and community outreach programs. We prioritize cybersecurity awareness to protect members from fraud, offering resources to identify and prevent scams. With over 4,500 shared branches nationwide, we provide convenient access to financial services while maintaining our core values of collaboration, integrity, and community investment.
Services
Checking Accounts
Savings Accounts
Business Accounts
Auto Loans
Home Equity Loans
Credit Cards
Personal Loans
Mortgages
Mobile Banking
Financial Counseling
Details
- Year established: 2021
Highlights and features
- We combine 90+ years of local banking heritage with modern financial technology
- Our member-centric approach prioritizes personalized financial solutions
- Federally insured by NCUA for secure, protected banking services
- We offer 24/7 digital banking with mobile apps and online account management
- Community investment through local partnerships and financial education programs
Associations and certifications
- NCUA
Services
Auto Loans
We offer competitive auto loans for new and used vehicles with terms from 36 to 96 months. Our financing options include GAP coverage and mechanical repair protection. Loan amounts start at $4,500 with APRs as low as 4.05% for qualified borrowers, supporting both purchase and lease financing needs.
Home Equity Loans
Our fixed-rate home equity loans provide financing up to 80% LTV with terms from 1 to 15 years. APRs start at 5.74% for qualified applicants, with minimum loan amounts of $10,000. We also offer HELOC options with introductory rates and flexible repayment terms.
Digital Banking
Our digital platform enables 24/7 account management through mobile apps, eStatements, and text banking. Features include remote deposit, bill pay, person-to-person payments, and loan payment options using external cards or ACH transfers.
Savings Accounts
We offer multiple savings solutions including standard savings, club accounts, IRAs, and high-yield options. Minimum opening deposit is $5, with competitive APYs up to 3.96% for certificate accounts.
Financial Counseling
Our members receive free financial counseling services through GreenPath partnerships. This includes budgeting assistance, debt management plans, and credit education resources to help achieve long-term financial stability.
Questions
How can I become a member?
You're eligible if you live, work, worship, or study in Michigan. Bring a valid ID, social security card, and $5 minimum deposit to any branch location.
What loan types do you offer?
We provide auto loans, home equity loans, personal loans, mortgages, credit cards, and lines of credit with competitive rates for qualified applicants.
Are my deposits insured?
Yes, all deposits are federally insured up to $250,000 by the NCUA, with additional coverage available through the MSIC program.
Do you have mobile banking?
Yes, our mobile app offers check deposit, bill pay, account alerts, and secure messaging for convenient 24/7 banking access.
How do I report fraud?
Contact us immediately at (248) 814-4000 if you suspect fraud. We provide security resources and monitoring to protect your accounts.
Can I use shared branches?
Yes, you have access to over 4,500 CO-OP Shared Branches nationwide for in-person transactions while maintaining your membership benefits.