576 E. Lincoln Ave.
Birmingham, MI 48009
Phone: 248-647-5958
Fax: 248-647-9239
Mon-Thurs 9am - 5pm
Friday 9am - 6pm
6375 Highland
Waterford, MI 48327
Phone: 248-683-2920
Fax: 248-461-6390
Mon-Thurs 9am - 5pm
Friday 9am - 6pm
You are eligible to join if you live, work, worship, or attend school in Oakland County, Michigan.
(Or you can be qualified for membership through a $30 donation to the School Community Partnership, a community advisory group of the Board of Education for Birmingham Public Schools).
You need a current non-expired driver’s license, or State ID with the correct address.
You need a second piece of identification such as a social security card, passport, insurance card or credit card.
Please have your social security card with you.
Please bring a minimum deposit of $5 cash to begin a “share” account, the basic credit union savings account. You must maintain a minimum of $5 in this account to enjoy member benefits.
Visit either the Birmingham Main Office or Waterford Branch, and have the above documents with you in order to complete the membership process.
Loan Rates Effective as of | ||
Loan Type | Rates as low as* | Terms / Information |
---|---|---|
Automobile | 2.99% | Model year up to 10 years old. Loan terms up to 96 months. |
Recreational Vehicles | 3.99% | Great Terms Available to Fit your Budget! |
Other Secured Loans | 5.99% | Easy Monthly Payments |
Signature Loan | 6.99% | Apply Online or Contact a Representative |
Premium Line of Credit | 12.99% | Get Peace of Mind and Protection from NSF's |
Visa Credit Cards | 8.9% | Low Fixed Rate Interest Credit Cards |
HELOC | 5.50% | Home Equity Line of Credit, variable rate loan with a 7-year draw period. |
Home Equity Loan | 3.99% | Fixed Rates. Terms up to 180 months |
*Rates are Annual Percentage Rates. Rates subject to change without notice.The APR is the credit unions standard rate. The rate may vary depending on each individual’s credit history and underwriting factors. All loans are subject to approval and membership eligibility |
A Premium Line of Credit (PLOC) is a flexible loan that you can access at your convenience. If you overdraw on your account, your PLOC will cover the cost of checks, ACH and Debit Card transactions. If you have a PLOC and you are short on funds, your purchase will not be denied or you will not be charged an overdraft fee. Whenever you need some extra cash in your checking account, you can easily transfer funds from your PLOC.