Promotions

 Insured by the NCUA. 

* A savings account is required to open a debit/checking account. The minimum balance required to open a savings account is $5.00. The current savings account Annual Percentage Yield of 0.05% is a variable rate and may change at any time. 

† Offer subject to credit approval. APR as low as 8.99%; maximum APR is 18.99%, based on your credit worthiness. Additional limitations, terms, and conditions apply, and are subject to change without notice. The following transaction fees apply: 1% for foreign transactions, $2 for non-EMUCU/non-Co-Op ATM transactions and $2 for each overdraft transfer. 

**A $30 fee may be imposed for covering overdrafts created by check, ACH, in-person withdrawal, ATM withdrawal, or other electronic means. Whether your overdrafts will be paid is discretionary, and we reserve the right not to pay if your account is not in good standing. 

***Must be an EMU student to be eligible to receive a free sweatshirt. Offer valid while supplies last. Checking account must be open and in good standing at the time sweatshirt is mailed out. Sweatshirt will be mailed out within 4-6 weeks of account opening. 

GRADUATION PROMOTION
Insured by NCUA.
Special rates valid for one year from date of graduation from an accredited university. Subject to credit approval. Additional limitations, terms, and conditions apply, and are subject to change without notice. 
*Rates as low as 1.49% APR. Acutal rate based on creditworthiness.


MVP Checking
*Starting June 3, 2024, any non-member or existing member, who has an ACH direct deposit to a newly opened checking account after the checking account is opened, are eligible to refinance debt from another lender to EMUCU at a rate 2.00% lower than their current rate, subject to minimums. Eligible loan types include Auto, RV, Motorcycle, Boat (minimum rate 5.00% APR) and Installment loans (My Choice and Home Improvement) minimum rate 6.00% APR. Must provide proof of the current APR and loan balance for refinanced loans to receive the discounted APR. Loan approval is subject to credit approval. Promotions, terms and conditions are subject to change without notice.

**Eligible members also qualify for a 6.00% APR balance transfer for 12 months. Refinances of existing EMUCU loans are excluded from the promotional offers. Must provide proof of the current credit card loan balance to qualify for the balance transfer and discounted APR The 12 month promotional period begins on the day the first transaction occurs. The offer of 6.00% interest rate for 12 months applies to balances transferred from another financial institution. The balance will transfer to a VISA® Platinum Optimum or a VISA® Platinum Cash Rewards credit card. Following the balance transfer, you may also use your VISA credit card to make additional purchases at 6.00% during the promotional period. After the 12-month term, if the balance is not paid in full from the balance transfer or new purchases, an adjusted APR of 8.99% to 18.99% will be applicable on the remaining balance depending on the Visa card program selected. The actual rate will be determined by creditworthiness at the time the borrower applies for the credit card. Monthly payments during the promotional period will go towards paying down the highest interest rate balance first. The 12-month period begins on the posting date of each transaction. Finance charges include 1% foreign transaction fee, $2 non-EMUCU/non-Co-op ATM fee, $2 overdraft transfer fee. Daily periodic rates vary from 0.0246% - 0.0520% APR depending on card program selected. Loan approval is subject to credit approval). Promotions, terms and conditions are subject to change without notice.