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

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Education
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About
About Us
A century of putting people first

Explore the people, milestones and mission behind Michigan First.

Banking Services

Helpful services and added support for everyday financial needs.
Added convenience
In-person support
More ways we can help

More ways we can help.

Banking needs can go beyond checking, savings, and loans. Michigan First offers additional services designed to make everyday financial tasks easier, from preparing for international travel to protecting important documents and recovering from identity theft.

Explore the services below or contact us if you need help finding the right resource.

Foreign currency exchange

Travel with the currency you need

Planning an international trip? Michigan First members can access foreign currency exchange services through our partner, Foreign Currency Exchange Services.

More than 60 currencies are currently available, giving you the opportunity to exchange U.S. dollars before you travel instead of waiting until you arrive at the airport or your destination. Members currently receive a flat $5 exchange fee and can also access currency-conversion charts and travel guidance. 

Foreign Currency Exchange Services can also assist with Canadian drafts and other international travel needs. 

How to exchange foreign currency

Visit Foreign Currency Exchange Services at its Birmingham office and let them know you are a Michigan First member.

251 E. Merrill St., Suite 238
Birmingham, MI

Safe deposit boxes

A secure place for important documents and valuables

Some things deserve more protection than a filing cabinet at home.

Michigan First safe deposit boxes provide a secure place to store important documents, family keepsakes, and other valuables. Current boxes are located in vaulted areas and use hand-scan security. Four box sizes are available, with annual rental fees based on the size selected. 

Safe deposit boxes may be useful for items such as:

  • Birth certificates
  • Property deeds
  • Military records
  • Insurance documents
  • Important legal records
  • Family heirlooms and other valuables

Where are safe deposit boxes available?

Michigan First currently lists safe deposit box availability at:

  • Evergreen
  • Gratiot
  • Corktown
  • Breton
  • Wyoming
Need a banking service we haven’t listed?

If you're looking for a specific service, need to know what is available at a particular branch, or aren't sure where to start, our team can help.

Frequently asked questions

View All FAQs

Yes. Michigan First offers two options that may help cover transactions when your checking account does not have enough available funds. Overdraft Transfer Service transfers available money from a linked savings account, while MoneyNow is an overdraft line of credit available to qualifying members. Fees and eligibility requirements may apply.

Yes. Michigan First members can use Online Banking and the Michigan First Mobile App to view balances and transactions, transfer money, pay bills, deposit checks, access statements, create account alerts, and manage eligible debit and credit cards. The mobile app is available for Apple and Android devices.

Yes. Eligible members can use Mobile Check Deposit to deposit personal checks and paychecks using the camera on an Apple or Android device. Follow the instructions in the Michigan First Mobile App and retain the original check until you confirm that the deposit has been accepted.

Yes. Zelle® is available through the Michigan First Mobile App and Online Banking. Eligible members can use it to send or receive money with people they know and trust using an email address or U.S. mobile number.

Resources to help manage your money.
Online Banking
Mobile Banking
Account Alerts
Build stronger money habits.
Online Learning
Build a personalized learning playlist

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

Online Learning
Virtual Seminars
Saving for a home?

Our Mortgage Seminars can help guide you as you begin your homebuying journey.

Virtual Seminars About Mortgages
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You've probably heard of the age-old advice about the importance of saving for retirement and the wisdom of starting early. But why is the timing of your savings more critical than the amount you save? The answer lies in a simple yet powerful concept: compound interest.
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Building an Emergency Fund: How Much to Save?

Life can be unpredictable, and emergency fund is essential for financial stability in the face of unexpected expenses.

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