Join the M1 Family
M1 gives you the power of full-service banking with the added value of supporting your neighbors and community. It’s a financial experience that works for you—and those around you.
Michigan One Community Credit Union is one of very few credit unions to have State-wide Field of Membership. What does that mean? All persons who live, work, worship, or attend school anywhere in the state of Michigan can join Michigan One Community Credit Union!
Experience The M1 Difference
At Michigan One Community Credit Union, we are committed to offering real financial solutions to our members and deeply serving our communities with time, talent and financial resources. We’re here to stay and would love for you to join us.
Every membership at M1 comes with these amazing perks:
- Checking accounts with high interest rates
- Great, low loan rates
- M1.Mobile with mobile bill.pay
- Overdraft Privilege for qualifying accounts up to $828
- UChoose Rewards for gift cards, merchandise, and more
- The confidence of banking with the area’s most community-focused financial institution
Find out what M1 can do for you!
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What are you waiting for?
Michigan's credit unions are member owned and not-for-profit. We don't answer to shareholders, which means fewer fees, higher savings rates, and lower loan rates when compared to big corporate banks — all with the community investment you won't get from a big-bank.
Credit union benefits compared to banks
Michigan credit unions deliver over $1.7 billion annually in direct financial benefits to their members through better rates, lower fees, and community focused services*. These benefits include
- Membership savings from lower rates and fees average $92 per member or $194 per household annually
- Unlimited access to over 1,700 fee-free ATMs across Michigan and more than 30,000 nationwide
- Credit card interest rates at credit unions average 12.72%, nearly 2.7% lower than the bank average of 15.39%
- Personal loans (36-month fixed) average 10.75% at credit unions vs. 12.03% at banks—a savings of over 1.2%
- Auto loans for new vehicles (60-month term) average 5.86% at credit unions compared to 7.51% at banks—a difference of 1.65%
- Members save an average of $215 on mortgage closing costs compared to traditional banks
Find out for yourself why more than 600 people each day in Michigan are making the move to a credit union.
