UMCU is my primary financial institution. Bottom line: A great choice if you qualify to become a member.
Pro:
- Staff has been consistently excellent to me. Friendly, helpful, and well-trained. Much better than the surly at best staff at my old bank back home in California. That bank should have gone bankrupt in the Great Recession but it was too incompetent to fail!
- Online banking at UMCU is much, much better than my other credit union out of state. I get an email whenever there is a transaction greater than $20.
- UMCU branches are located where I tend to commute (except the Battle Creek Indian casino)
- Fee-free ATMs in their partner network (including Pittsfield/Ann Arbor Costco) are numerous and in many cities both in and out of state. Yay!
- Account is free of monthly fees with payroll direct deposit.
- Many branches offer complimentary coffee in the branch lobby. It's not the DOUCHIEST swill like the stuff served in those fancy cafes downtown (the usual suspects) but it's better than that dishwater that comes out of a vending machine!
Cons:
- No EMV chip yet embedded in their debit/credit cards. Traveling overseas? Leave your card at home and bring cash, pal!
- Getting a mortgage at UMCU is a good way to accelerate premature aging. (Pro tip: Get Oil of Olay in bulk at Costco) I had 45% for cash down payment and was flabbergasted at the number of hoops that I had to jump through and the amount of utterly silly red tape. I am shocked they didn't ask for my first born as collateral!
- When the ATM is being serviced/reloaded, just turn away and go to another branch or network ATM. I think there is an IQ maximum for servicing the ATM. You will wait for the Second Coming until the ATM is back in service (I have photographic proof!) Better yet: Pro tip #2: Use the Depression-era tactic of hiding money in your mattress! Instant ATM! You have 24/7 access to YOUR money!
- UMCU uses bic clic pens, the most epically craptastic writing instruments known to humankind! Want to be driven to thoughts of suicide? Come to a UMCU branch and just try to use a blue UMCU ball point pen! It's really an Admiral Ackbar trap! I suspect there's a hidden camera which the staff uses to laugh at clueless customers who are stupid enough to use those pens! Ha! Fools!
- Whoever chose the toilet paper in the branch restrooms need a ROPE around their neck! What is the deal with the one-ply Scott sandpaper TP? Is there some top secret plot to kill Ann Arborites via rectal bleeding?
- Most credit union members do not realize that the $1,000 "free" life insurance is really not free. UMCU is actually a second beneficiary. Your estate gets $1,000 (big whup) and UMCU gets a far greater amount! They win BIG when you die! The disclosure is buried in that fine print that no one can read. Another Admiral Ackbar situation! Now you know! The case is blown WIDE OPEN!
- Another daily indignity: whoever selected those Tyvek card sleeves to protect the credit/debit cards also needs a ROPE around their necks! Right. Now. This cannot happen soon enough. Here's the problem: the Tyvek sleeve is so soft that the mouth bends on itself, making it virtually impossible to re-insert the card! I am paralyzed in my left hand and can only use my right hand to put the card back into the sleeve. I CUSS and SWEAR in Vietnamese EVERYDAY (really bad words not appropriate for this fine forum) at the room temperature-IQ moron who picked this sleeve as I use my card several times per day.
I cannot speak authoritatively about auto financing as I am a cash buyer. (Last three vehicles including new). Call me "old school"....
Good luck and enjoy! Recommend to other Yelpers in need of a quality financial institution!
-EBS read more