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What does it mean to be a credit union member?

When you join OUR Credit Union, you become part of a financial cooperative that includes more than 20,000 members. As a member you are an owner, not just another account holder. Each member is required to maintain $5 in a Savings Account to utilize services. Each member also has one vote in the organizational affairs, such as the election of the Board of Directors. Anyone who lives, works, worships or attends school in Michigan is eligible to open an account. 

Debunking Credit Union Myths

Myth:   Credit Unions aren’t technologically advanced. 
TRUTH:  We have a great Mobile App with Mobile Check Deposit, Card Controls, eAlerts and we offer Mobile Pay, Bill Pay, & Secure Online Applications.

Myth:   You have to belong to a special group to have an account. 
TRUTH:  If you live in Michigan, you’re eligible for membership.

Myth:   Credit Unions don’t offer many loan products. 
TRUTH:  We offer loans for: Auto, RV, Mortgages, Home Improvements, Debt Consolidation and more, all with competitive rates. 

Myth:   They don’t have as many locations as banks. 
TRUTH:  You have more direct access to your money than most traditional bank customers do, thanks to CO-OP’s nearly 30,000 ATMs and 5,000 shared branches. 

Myth:   Credit Unions don’t offer checking account perks.
TRUTH:  OUR interest-bearing, Premium Checking Account has added perks you’ll be surprised to learn about.

What makes a credit union different from a bank?

Learn more about The Credit Union Difference here.

Want to make the switch to OUR Credit Union?

Simplify the process with our easy to use Switch Kit!

Join Our Credit Union

Important Information About Procedures For Opening A New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

If you would like more information on credit unions and the benefits of credit union membership, please contact the Michigan Credit Union League. 

The Credit Union National Association provides helpful credit union information on a national level.

Other Eligibility:

  • Any person who receives a retirement annuity, pension, social security or similar retirement payment from private or government sources, and lives in, or belongs to a retirement organization located in the county, or in a county contiguous to the county where the credit union's principal place of business is located, is eligible.
  • Members and immediate families of the foregoing are eligible.
  • Any legal entity that is comprised for the most part of the same general group as the membership of the credit union as outlined above is eligible.
  • A spouse of a deceased member if accepted into membership prior to remarriage is eligible.

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