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Routing Number: 272476543
Find a Branch or ATM

Rates & Fees
Events
Schedule Appt
Get the App
Open an Account

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Since 1958, EMUCU has been committed to helping members achieve their financial goals with personalized solutions and exceptional service. From checking to retirement accounts, we're here for you every step of the way.

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Whether you're buying a car, planning for a new home, or consolidating debt, EMUCU has loan and credit card options to fit your needs. Let our friendly team guide you every step of the way!

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Accounts
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Accounts
Savings

Savings

Money Market

Certificates of Deposit (CD)

IRAs

View Savings Page

Checking

Checking

Detroit Lions Checking

Interest Checking

Debit Cards

View Checking Page

Business

Business Savings

Business Silver Checking

Business Gold Checking

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Student

Student Account Package

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Specialty

Additional Services

Notary Services

Online Banking

Mobile App

Phone Banking

Wire Transfers

Bill Pay

Cashier's Checks

Signature Guarantee

Mobile Deposit

Gift Cards

Coin Machines

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Loans & Credit Cards
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Loans & Credit Cards
Credit Cards

Visa^® Platinum Optimum

Visa^® Platinum Cash Rewards

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Home Loans

Mortgages

Home Equity Line of Credit (HELOC)

Home Improvement Loan

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Vehicle Loans

New & Used Auto Loans

Motorcycle & RV Loans

Boat Loans

Motorhome Loans

Travel Trailer Loans

View Vehicle Loans Page

Personal Loans

My Choice Loan

Home Improvement Loan

Technology Loan

Line of Credit (LOC)

Build My Credit Loan

Certificate Secured Loan

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Student Loans

Student Choice Loan

Revolving Student Loan

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EMUCU Experience
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Financial Education

Financial Milestones

Upcoming Classes

Upcoming Classes

How to Create a Budget

Establishing Credit

Fraud Protection

Handling Debt

Financial Wellness Documents

EMUCU Scholarship Program

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What is a HELOC? Your Home's Equity Explained

What is a HELOC? Your Home's Equity Explained

Name: What is a HELOC? Your Home's Equity Explained
Uploaded: 2025-09-04
Description: A HELOC, or Home Equity Line of Credit, lets you borrow against your home's value for renovations, education, or debt consolidation. Learn more about this flexible, low-cost way to finance what matters most.