Detroit Metropolitan Credit Union (DMCU) invites you to experience the difference of credit union membership.  We are a not-for-profit organization owned and governed by our members.  Because we are not-for-profit, our members receive highly competitive savings and loan rates, along with great, personal service and a wide variety of financial services.

An initial deposit of just $5.00 into a Regular Share Savings Account will grant you full member privileges at DMCU, including the right to vote in all credit union elections.

Membership is open to anyone who lives, works or worships in Wayne, Oakland, and Macomb Counties.

If you have any questions, please contact our Member Service Department at 313-568-5000.  We look forward to serving you, and exceeding the expectations you have of a financial institution.

Shared Network

DMCU belongs to the CO-OP Network of shared branches, service centers and surcharge-free ATMs.  As a result, our members enjoy the convenience of conducting financial transactions at more than 2,000 branches and 25,000 ATMs, including the machines in thousands of 7-11 stores across the USA and Canada.  In addition, members can conduct many of the same transactions they normally handle at our own office at hundreds of Shared Branch locations and Service Centers across the country.

ATM Cards

Your DMCU ATM card opens up a whole world of convenience.  Our membership in the CO-OP Network gives members access to more than 800,000 ATMs worldwide through links to NYCE, STAR, Cirrus, Pulse, and Plus.  Our members enjoy six free ATM transactions per month at CO-OP Network ATMs, and each additional transaction incurs a small fee of just $1.00.  To access a free ATM Locator, visit

*Transactions conducted at ATMs outside of the CO-OP Network may incur an additional surcharge from the ATM owner.

Convenient Services

Direct Deposit & Payroll Deduction

If your employer participates, or if you regularly receive a government or pension check, you can have your money automatically deposited into your Credit Union savings or checking account.  This free service will enable you to access your funds more quickly, and you won’t have to worry about your check being lost, stolen or delayed in the mail.  It is a safe and secure alternative to a paper check.

With Payroll Deduction, you can authorize your employer to send any pre-determined portion of your paycheck directly to your Credit Union account every payday.  It’s a convenient way to save money or make automatic loan payments.

Additional Services

For our members’ convenience, we also offer:

  • Free Electronic Statements
  • Discounts on theme park tickets
  • Money Orders
  • Discounted TruStage Auto and Homeowners Insurance
  • Free Notary Service
  • Telephone Transfers
  • Credit Life and Disability Insurance or Wire Transfers

*Your employer must support this service.

Online Banking With It’s Me 247

Whether you prefer a computer or a telephone, we’ve got you covered.  No need to visit the branch to conduct transactions…handle your business from home with It’s Me 247 or dial up CU*Talk ID #166 and conduct your transactions right over the phone.  Both of these services are convenient, easy and SECURE!  First time users input the last four digits of your social security number for your initial password, at which point you can change it to the password of your choice.

It’s Me 247

Access your accounts from any online computer 24 hours a day, 7 days a week with It’s Me 247 to:

  • Check balances
  • Transfer funds between your accounts
  • Obtain rate information
  • Apply for a loan and make loan payments
  • Confirm deposits or cleared checks
  • Calculate loan payments
  • Pay Bills with CU*EasyPay
  • Sign up for Electronic Statements

CU*Talk – Our 24-Hour Teller

If you can dial a phone, you can bank from home.  Simply call 800-860-5704 from any touch-tone phone to access CU*Talk.  Enter our Credit Union identification number, 166, and you’re ready to:

  • Review account balances
  • Verify transactions, such as deposits, withdrawals, transfers and payments
  • Verify cleared checks
  • Transfer funds between your accounts
  • Make loan payments
  • Change your PIN
  • Obtain loan and savings rates

*Online Banking and Bill Pay with Its Me 247 is FREE.  No Fee – except dormant fee $3.00


Mobile and Text Banking

mobile-banking-outlined-logo Bookmark our Mobile Banking Website

Stay within reach, bank with your fingertips! Connect to your finances anytime, anywhere! With It’s Me 247 Mobile and Text Banking you can use your phone to access your accounts, check your balances and even pay your bills!. It’s banking at its easiest…in the palm of your hand!

They’re the quickest, most convenient way to stay connected to your credit union. With It’s Me 247 Mobile Banking you can access important account information, view your balances or see pending transactions.You can perform instant transfers between accounts. You can even use your phone to pay your bills. And, It’s Me 247 Text Banking let’s you check your account balances by simply texting the credit union at IM247! Plus, you can enroll in eAlerts so that you can receive text messages when your account balance is higher or lower than a set amount, if a loan payment is coming due or when ACH deposits or withdrawals are being posted.

With It’s Me 247 Mobile and Text Banking, you stay informed! You stay connected! Enroll today by clicking on the “Go Mobile” button in It’s Me 247.

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