Michigan First Credit Union Review
Michigan First CU serves state employees and residents with fee‑free checking, high‑yield savings, and low‑rate loans.
Customer Satisfaction
Established
Total Assets
Featured Products
Checking: | MI First Checking | No monthly fee |
Savings: | MI First Savings | 14.00% APY |
Credit: | MI First Visa Classic | 1% cash back |
Mortgage: | 30-Year Fixed | 3.88% interest rate |
Fee Rating
2.8/5
Lower is better
FDIC Insured
Yes
Certificate: 271084102
Digital Banking
4.2/5
Online & Mobile Experience
Branch Network
8
Physical Locations
Key Features
- No‑fee checking; high APY; educational tools.
Bank Information
Routing Number
271084102
SWIFT Code
MIFCUS33
Branch Hours
Mon-Fri: 9am-5pm, Sat: 9am-12pm, Sun: Closed
Customer Service
1-800-748-0232
Mon–Fri 8am–6pm ET
Headquarters
Lansing, MI, USA
Years in Business
74 years (Est. 1951)
Login Information
Online Banking Login
Access Online Banking
Password Requirements
6–12 digits
Two-Factor Authentication
SMS
Forgot Password
Reset PasswordSecurity Features
SSL; session timeout
Login Instructions
Enter credentials → complete 2FA
Login Help
Call customer service: 1-800-748-0232
Hours: Mon–Fri 8am–6pm ET
Products & Services
Accounts & Products
Checking
MI First Checking
Monthly Fee
$0
Minimum Balance
$0
Card Type
$Debit
Minimum Deposit
$25
Overdraft Fee
$25
ATM Fee
$1.5
Savings
MI First Savings
APY
$14.00%
Annual Earnings
$14.00
Compounds
$Monthly
Minimum Balance
$25
Monthly Fee
$0
Withdrawal Limit
$6/month
Credit Card
MI First Visa Classic
Mortgage
30-Year Fixed
Interest Rate
$3.875%
APR
$3.975%
Term
$30 Years
Min Down Payment
$5%
Min Loan Amount
$40,000
Max Loan Amount
$600,000
Digital Banking Experience
Mobile App Rating
Very Good mobile experience
Online Banking
Very Good online experience
Customer Service
Very Good customer support
Digital Features
Ready to Start Banking with Michigan First Credit Union?
Visit their website to explore account options and start your application