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New Membership

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Eligibility
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WELCOME TO OUR CREDIT UNION

 

Here's what you need to get started.

To streamline the application process, please have the following information available for yourself and any joint applicants.

  • Valid Driver's License, State Issued ID, Military ID, or Passport

  • Previous home address (if you have lived at your current home address less than six months)

  • Email address

  • Social Security number

  • Your credit or debit card number or a US checking account number and routing number to make your initial deposit.  

IRAs, minor accounts, special and business accounts must be opened at one of our branches and require specific documentation. Please call us at 248-549-3838 for more information on these types of special accounts.

 

 

HOW DO YOU QUALIFY?

 

 

Select your eligibility
Please select if you Live, Work, Worship, or Attend School in Michigan
Please select one:
My immediate family member is a member of OUR Credit Union.
Family Member Name:
I am the spouse of a deceased member and not remarried.
Deceased Member Name:
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Required Products
Select at least one of the following products required for membership
Savings

A minimum balance of $5 allows you to enjoy all the benefits we have to offer. By maintaining this balance you are an official owner of our not-for-profit cooperative. Dividends are paid monthly to accounts with a minimum daily balance of $100. This account is required for all member-owners of the credit union.

Min Deposit: $5.00


You may select one of the following products
Available Products
MONEY MARKET

Our Money Market Account gives you a higher rate of dividends while still having frequent access to your funds. •Tiered variable rates (APY 0.05 to 0.50)*. •$2,500 minimum balance* •Make up to six withdrawals a month •Free checks for your account •Dividends calculated on the daily balance and paid monthly •Monthly statements *If your account falls below the $2,500 minimum balance, it becomes non-dividend bearing for each day the minimum balance is not maintained. There is no other penalty for going below $2,500.

APY: 0.05%

Basic Checking

Min Deposit: $20.00

Premium Checking

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APY: 4.07% Min Deposit: $20.00

6 Month Certificate

Penalties for early withdrawal of funds apply

Min Deposit: $500.00

12 Month Certificate

Penalties for early withdrawal of funds apply

Min Deposit: $500.00

18 Month Certificate

Penalties for early withdrawal of funds apply

Min Deposit: $500.00

24 Month Certificate

Penalties for early withdrawal of funds apply

Min Deposit: $500.00

36 Month Certificate

Penalties for early withdrawal of funds apply

Min Deposit: $500.00

48 Month Certificate

Penalties for early withdrawal of funds apply

Min Deposit: $500.00

60 Month Certificate

Penalties for early withdrawal of funds apply

Min Deposit: $500.00

Side Share Savings

Side shares are just like regular savings accounts that are attached to your primary number. You can open one or more depending on your need and transfer money in person or via Online Banking. Set up nick names for your specific savings needs and even set up automatic deposits through Online Banking.

APY: 0.05%

Holiday Savings

To avoid a "Holiday Hangover" with the credit card bills - start saving now. OUR Credit Union provides an account designed to help you save for the holiday season. Terms are the same as our basic Savings Account, however the balance of this account will be transferred to your Savings Account on November 1st of each year, ready for you to shop. Make savings even easier by signing up for payroll deduction or set up an automatic transfer through Online Banking.

APY: 0.05%

APY (Annual Percentage Yield)
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We have cancelled your application.

If this was a mistake and you would like to fix errors you can return to the application now.


Funding

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Funding
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Fund via Internal Transfer

Fund via Credit Card

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Transfer from another finacial institution

'Doing Business As' Information

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'Doing Business As' Information
DBA Business Information
Your Business Tax ID is used for identification purposes.
DBA Physical Address

Tell Us About Yourself

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Tell Us About Yourself
Personal Information
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
Current Physical Address
Contact Information
Identification
About Your Employment

Please upload images and documents here.

Co-Driver's License Scan

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Speed up your application process by taking the BACK image of your US driver's license.
If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Driver's License Scan

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Speed up your application process by taking the BACK image of your US driver's license.
If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.

Minor Applicant Information

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Tell Us About Yourself

Joint Applicant Information

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About Your Joint Applicant
Personal Information
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
Current Physical Address
Contact Information
Identification
About Your Employment
Please upload images and documents here.

Beneficiaries Information

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Tell us about your beneficiaries
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