Michigan First Credit Union
Bank
Savings Accounts
Earn 10.00% APY on your savings

Grab our very best rate yet on SavingsPlus balances up to $5,000
Borrow
Lending
Unexpected expense? Meet MinuteMoney.

Get emergency cash with no credit check required.
Business
Credit Cards
More purchasing power for your business

Manage expenses with competitive rates and no annual fee.
Mortgage
Down Payment Assistance
Your down payment may be closer than you think

Explore assistance programs that can make buying a home more affordable.
Protect
Insure
Michigan First Insurance Agency makes insurance shopping easy

Let our agents compare quotes from 40+ carriers for you.
Learn
Education
Stay on step ahead of fraud

Explore tools and tips to help keep your information secure.
About
About Us
A century of putting people first

Explore the people, milestones and mission behind Michigan First.
Youth Accounts

Money Skills Start Here

The Finley app helps kids and teens learn to earn, save, spend, and build financial confidence.

Get Started
Checking
Checking Account Referral Program

Refer a friend to Michigan First and you can both earn $100!
Lending
High interest loans?

Hit reset for the opportunity to save.
Savings
Earn 10.00% APY on Your Savings

Grab our very best rate yet on SavingsPlus balances up to $5,000.

Your first choice for a Michigan credit union.

Explore All Rates
Rates you can feel good about.
Certificates
Certificate Bonus
as high as
3.71% APY
Plus opening bonus
All Savings Rates
Credit Card
Balance Transfer
5.99% APR
Some restrictions apply
All Credit Card Rates
Auto Loans
New and Used Auto
as low as
5.49% APR
Restrictions apply
All Loan Rates
365 Live Contact Center

Call us 24/7/365 when you have questions or need help.

The benefits of membership go beyond banking.

Become a Member Learn More About Membership
Local Partner

Official Credit Union of the Detroit Red Wings and Detroit Pistons.

Financial Exploration

One-on-one financial coaching to help you achieve your goals.

Helping You Do More

Mortgage, insurance, and business solutions backed by personalized guidance and local expertise.

365 Live Contact Center

Call us 24/7/365 when you have questions or need help.
Digital Convenience
Digital banking at its best

Open an account, check balances, find the nearest branch, and more with easy-to-use digital tools designed for your busy lifestyle.

Digital Convenience
Bank confidently from anywhere.

Manage your accounts, deposit checks, pay bills, transfer money and more - anytime, anywhere.

Become a Member
Open your account in just a few steps.

Open a checking, savings, or certificate account online in just a few simple steps.

Digital Convenience
Get helpful answers from Penny.

Need quick answers to basic account questions? Our virtual assistant is always available to help.

Youth Accounts
A guide for your child's early financial journey.

Build financial confidence with approachable tools, tips, and guidance for making smarter money decisions.

Convenient branches throughout Michigan.
Find a branch or ATM

Over 1,600 fee-free ATMs across Michigan, and nearly 30,000 nationwide
Contact us now

Call, text, chat, or visit a branch

Building up our local communities

Community has always been at the heart of the Credit Union movement and is a huge part of who we are at Michigan First. 

Learn More
Michigan First Foundation

Our foundation supports charitable and community organizations.
First for Good Program

An initiative dedicated to performing random acts of kindness.
Scholarship Opportunities

We offer thousands of dollars in scholarships  to students every year.