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
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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

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Learn
Education
Stay on step ahead of fraud

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About
About Us
A century of putting people first

Explore the people, milestones and mission behind Michigan First.

Membership

Enjoy personalized service and valuable member perks
Open to Michiganders
Support 24/7/365
ATM access nationwide
Explore Community Involvement

Our member benefits go far beyond banking.

Joining Michigan First gives you access to personal banking, borrowing, mortgage, business, investment, and other financial services - along with benefits designed specifically for members.

Because your financial needs are personal, our team takes the time to understand your goals and provide guidance that fits where you are today and where you want to go.

Who can become a Michigan First member?

Michigan First membership is open to anyone who lives, works, or worships in the state of Michigan. 

Once you become a member, you can take advantage of Michigan First accounts, loans, digital banking tools, financial guidance, and member-only benefits.

Benefits of Michigan First membership

Personalized Service

Your financial goals are unique, and your banking should be too. Our local team provides guidance and recommendations tailored to your needs - not one-size-fits-all solutions.

Banking Convenience

Use online banking and the Michigan First Mobile App, or contact our local 365 Live Call Center whenever you need assistance. 

Fee-Free ATMs

Enjoy convenient access to your money with more than 1,600 fee-free CO-OP ATMs across Michigan, and nearly 30,000 nationwide.

MoneyPerks Rewards

Earn points through qualifying activities such as loan payments, direct deposit, and e-statements, then use eligible points for benefits such as waived fees or improved loan and certificate rates.

Scholarship Opportunities

Through The Michigan First Foundation, eligible high school and college students can apply for thousands of dollars in scholarships each year.

Community Impact

Our commitment extends beyond banking. Through our First For Good initiative, we support local nonprofits, schools, and community organizations throughout Metro Detroit and Grand Rapids.

Wealth Management

If you're planning for retirement, saving for college, or thinking about estate planning, we have solutions. Michigan First members have access to complimentary consultations with Financial planning consultants who can help you prepare for what's next.

Free Financial Education

Attend free seminars covering topics like: 

  • Homeownership
  • Credit scores
  • Estate planning 
  • Retirement planning
  • Personal finance

Love My Credit Union Rewards

As a Michigan First member, you'll receive exclusive savings from trusted national partners, including: 

  • Up to $15 off TurboTax and get your maximum refund.
  • $25 off in-office tax preparation at H&R Block.

Michigan First + GreenPath

Michigan First also connects eligible Detroit residents with GreenPath Financial Wellness for complimentary financial coaching. Participants can receive guidance on budgeting, spending plans, financial goals, and strategies for improving their overall financial health.

You do not have to wait until you are ready to apply to begin preparing

Michigan First offers tools and information to help you better understand your budget, mortgage options and next steps.

Banking that fits your life.

Mortgages

Get guidance for buying, refinancing, or financing your next home.

Business Banking

Find accounts, lending, cash management, and other tools for your business.

Financial Planning

Connect with financial professionals for long-term goals.

You do not have to wait until you are ready to apply to begin preparing

Michigan First offers tools and information to help you better understand your budget, mortgage options and next steps.

Ready to become a member?

Join Michigan First and get access to financial tools, personalized support, member benefits, and a team committed to helping you move toward your goals.

Frequently asked questions

View All FAQs

Michigan First Credit Union is a member-owned, not-for-profit financial institution serving individuals, families, and businesses across Michigan. Founded in Detroit in 1926, Michigan First offers checking and savings accounts, loans, mortgages, business banking, and other financial services to more than 160,000 members.

Michigan First membership is open to anyone who lives, works or worships in the state of Michigan. Once you join, your membership remains active as long as you maintain the required membership account, even if you later move outside Michigan.

To become a Michigan First member, open a Michigan First Savings Account online or at one of our branches. A minimum opening deposit of $10 establishes your membership and gives you access to Michigan First accounts, loans, digital banking services, and a variety of member benefits.

To open an account, you will need to provide personal information that allows Michigan First to verify your identity, such as your name, address, date of birth, Social Security number, and a valid government-issued ID. You will also need at least $10 to fund your Michigan First Savings Account. Additional information may be required depending on the account and how you apply.

Yes. Eligible applicants can open a Michigan First checking, savings, or other deposit account through our secure online application. You can review available accounts, choose the products that fit your needs, and provide the information needed to establish your membership. Join Online Today

Michigan First has branches throughout Metro Detroit, West Michigan, and mid-Michigan, including locations in the Detroit, Grand Rapids, and Lansing areas. Members also have access to shared branches and more than 1,600 surcharge-free ATMs across Michigan through the CO-OP Network.

Credit unions and banks offer many of the same financial services, but they have different ownership structures. A credit union is a not-for-profit financial cooperative owned by its members, while a bank is generally a for-profit institution owned by shareholders. As a credit union, Michigan First is able to return profits to our members in the form of lower loan rates, higher savings rates, and more.

Michigan First members have access to approximately 30,000 surcharge-free ATMs nationwide through the CO-OP ATM network, including more than 1,600 in Michigan. Use Michigan First’s location finder or the Michigan First mobile app to find a participating ATM near you. The owner of an ATM outside the network may charge a fee.

Yes. Michigan First participates in the CO-OP Shared Branch network, giving members access to participating credit union locations beyond Michigan First’s own branches. Services vary by location, so check the location details and bring a valid government-issued ID before visiting.

When choosing a local credit union, consider membership eligibility, branch and ATM access, digital banking capabilities, account fees, deposit rates, loan options, and the availability of personalized support. Michigan First offers a broad range of personal and business banking, lending and financial services, along with locations throughout Michigan and access to a nationwide network of surcharge-free ATMs.

Yes. You must become a Michigan First member before applying for a consumer loan. Membership is open to anyone who lives, works, or worships in Michigan and begins by opening a Michigan First Savings Account with a minimum $10 deposit.

Yes. Michigan First offers financial education through one-on-one Financial Exploration sessions, online learning, seminars, articles, and financial calculators. Topics include budgeting, credit, saving, homeownership, and planning for future goals. Available programs and eligibility may vary.

Resources to for our members.
Branch Locations
MoneyWise Blog
Financial Exploration
Improve your financial literacy.
Online Learning
Build a personalized learning playlist

Online learning modules built to help you reach your financial goals.

Online Learning
Security Center
Take charge in safeguarding your accounts

Let's work together to combat fraud and scams that can damage your finances.

Security Center
Blog
Debit vs. Credit Cards: Which is Better for Everyday Spending

Debit and credit cards are both staples in everyday life. But when it comes to daily spending, they work very differently and choosing the right one can have a real impact on your budget, financial habits, and long-term goals.
Blog
How Social Media Shapes the Way You Spend

Scrolling through your feed probably feels like a harmless habit, but social media has a way of nudging your wallet. From targeted ads to influencers showing off the latest "must-haves", the digital world is full of cues that affect your financial choices.

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