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# West Michigan Credit Union, A Division of WMCU

Simply Better.

## Sitemaps

- [XML Sitemap](https://westmichigancu.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Pages

- [Home](https://westmichigancu.com/) - We work together to be the most trusted resource to help our members' financial lives be Simply Better.
- [Careers](https://westmichigancu.com/join-our-team/) - Join our Team at West Michigan Credit Union! We thrive on supporting others and are a place where team members make a difference for our members and each other.
- [Planting Trees](https://westmichigancu.com/planting-trees/) - At WMCU, we're planting trees with each new account opened! Our members help us support our local communities, biodiversity, climate, and health.
- [Community Involvement](https://westmichigancu.com/community-involvement/) - West Michigan Credit Union has helped many local organizations in the community. If you are interested in getting involved, please contact us.
- [About West Michigan Credit Union](https://westmichigancu.com/about-wmcu/) - West Michigan Credit Union is a not-for-profit financial cooperative chartered and regulated by the State of Michigan. We're a local, member owned credit union.
- [Contact](https://westmichigancu.com/contact/) - Contact West Michigan Credit Union with your questions and comments. Includes important numbers like Visa or ATM/Debit Card, lost or stolen contact information.
- [Annual Report](https://westmichigancu.com/annual-report/) - West Michigan Credit Union hosts an Annual Meeting each year, providing an opportunity for members to engage with our Board of Directors and leadership team.
- [Simply Better Blog](https://westmichigancu.com/blog/) - Blog written by financial industry experts from West Michigan Credit Union on a variety of topics to better our members' financial lives.
- [All Rates](https://westmichigancu.com/rates/) - West Michigan Credit Union offers a variety of products to make your financial experiences Simply Better through competitive rates and customized service.
- [Our Commitment to Diversity, Equity, Inclusion, and Belonging](https://westmichigancu.com/about-wmcu/belonging/) - West Michigan Credit Union's Diversity, Equity, Inclusion, and Belonging group aims to educate, advocate, and cultivate a culture for growth in our community.
- [Our Mission](https://westmichigancu.com/our-mission/) - Our mission at WMCU is delivering responsible financial services that empower our members and build a more sustainable and resilient future.
- [Financial Planning](https://westmichigancu.com/financial-planning/) - WMCU is partnered with SBC Financial to provide you with investment and retirement planning services to make informed decisions about your financial future.
- [ATM Locations](https://westmichigancu.com/atm-locations/) - Find an ATM near you with our Co-op Shared Branch and ATM locator. Partnering with Co-op ATMs offers our members access to a network of surcharge-free ATMs.
- [Become a Member](https://westmichigancu.com/become-a-member/) - People helping people is the credit union way. As a member-driven organization, we always strive to find the best solutions that work for you personally.
- [Skip‑A‑Pay: Easily Skip a Loan Payment and Get Financial Breathing Room](https://westmichigancu.com/skip-a-pay/) - Take a break from your loan payment with our easy Skip-A-Pay program. Enjoy financial flexibility, reduce stress, and keep your budget on track this month.
- [Small Business Loans](https://westmichigancu.com/business/) - We allow you to efficiently manage your day-to-day cash flow 24/7 online, in person, or at an ATM for your business. We also offer insurance services.
- [Newsletters](https://westmichigancu.com/newsletters/) - West Michigan Credit Union publishes quarterly newsletters for its members to keep updated on current promotions and events within the Credit Union.
- [Individual Retirement Accounts](https://westmichigancu.com/ira/) - IRA Savings Accounts are secure accounts designed to help members save for retirement or education. We offer Traditional, Roth, and Coverdell Education Savings.
- [Locations & Hours](https://westmichigancu.com/locations-and-hours/) - At our six West Michigan area locations, you'll find experienced Member Service Representatives who are here to help your financial life be simply better.
- [Member Rewards](https://westmichigancu.com/member-rewards/) - Our great products and rates are not the only thing we have to offer! As our member, we like to give rewards to you for using more of our products and services.
- [Credit Cards](https://westmichigancu.com/credit-cards/) - West Michigan Credit Union offers Better Rate or Better Rewards Visa Credit Cards. You can decide what’s more of a benefit to you: to save money or make money.
- [Loan Rates](https://westmichigancu.com/loan-rates/) - West Michigan Credit Union offers a wide variety of loans and loan rates to make your loan purchasing experience Simply Better.
- [Overdraft Protection (OPE) Loan](https://westmichigancu.com/overdraft-protection-loan/) - Our Overdraft Protection Express (OPE) Loans are available to members who want to ensure their checking accounts will never overdraft,
- [Personal Loans](https://westmichigancu.com/personal-loans/) - Personal loans are perfect for moments when you need a quick boost. Whether you’re planning a wedding or you’re replacing your furnace, we’ve got you covered!
- [Recreational Vehicle Loans](https://westmichigancu.com/recreational-vehicle-loans/) - Our new and used Recreational Vehicle Loans offer members loan rates for vehicles such as motor homes, fifth wheels, travel trailers, motorcycles, and boats.
- [Auto Loans](https://westmichigancu.com/auto-loans/) - West Michigan Credit Union offers auto loans with flexible terms and easy payment options that work for you. We will help steer you in the right direction.
- [Warning Leaving Site](https://westmichigancu.com/warning-leaving-site/) - Warning Leaving Site! You are now leaving this website, headed to a third party website not operated by West Michigan Credit Union. Warning Leaving Site!
- [Consumer Loans](https://westmichigancu.com/consumer-loans/) - Whether you're looking to finance a vehicle, RV, debt consolidation, or big purchases, we've got you covered! Check out what our loans can do for you!
- [Fraud Prevention](https://westmichigancu.com/fraud/) - Scams can happen to anyone, and learning how to identify scams and protect your account from fraud is the best way to keep your money and information safe.
- [Mortgage Loans](https://westmichigancu.com/mortgage-loans/) - Our Mortgage Loans are perfect whether you're in the market for a new home or would like to refinance an existing mortgage to save money.
- [Mobile App](https://westmichigancu.com/mobile-app/) - With our Mobile App you can view your account, transfer money, pay bills, deposit checks remotely, control your Credit and Debit cards, and more!
- [Youth Savings](https://westmichigancu.com/youth-savings/) - Join Rocky in the Critter Club with a Youth Savings Account. Children ages 5-12 can earn prizes when they deposit money in person at their local branch.
- [eCommunication](https://westmichigancu.com/ecommunication/) - Stay up-to-date with our eCommunication options. Check your notices and statements electronically and set up payment based alerts or balances on your account.
- [Instant Issue](https://westmichigancu.com/instant-issue/) - With Instant Issue, forget about the stress of having fraud on their debit card, misplacing their card, or unexpectedly needing a new debit card.
- [e-Services](https://westmichigancu.com/e-services/) - West Michigan Credit Union offers cutting edge e-services to better manage your money. Includes online banking, mobile app, e-alerts, bill pay, and much more.
- [Top 3 Mistakes First-Time Car Buyers Make (And How to Avoid Them!)](https://westmichigancu.com/car-buying-tips/) - This guide will reveal the top three mistakes first-time car buyers make and equip you with the knowledge to navigate the process smoothly.
- [WMCU Annual Meeting: Looking forward to a promising year.](https://westmichigancu.com/annual-meeting/) - As a member of WMCU, you're invited to join us for our 70th Annual Meeting on Tuesday, March 17th, 2026, as a virtual webinar.
- [How to Avoid Romance Scams and Spot the Warning Signs](https://westmichigancu.com/falling-for-a-scammer/) - Don't fall for fake online dating profiles, learn common lies, red flags, statistics, reporting, and how to avoid romance scams.
- [Debit Cards](https://westmichigancu.com/debit-cards/) - Our Visa Debit Cards are available with all of our checking accounts to make sure you can access your funds wherever you are!
- [Money Market](https://westmichigancu.com/money-market/) - Make more money with our Money Market accounts designed to increase your earned dividends based on your account balance. Watch your savings grow
- [Auto Loan Special](https://westmichigancu.com/auto-special/) - We'll help you get road trip ready with our auto loan special! Upgrade your ride to fit your lifestyle and begin the new year with a new dependable vehicle.
- [Sitemap](https://westmichigancu.com/sitemap/) - Sitemap for West Michigan Credit Union, a not-for-profit financial cooperative chartered and regulated by the State of Michigan. Simply Better.
- [Introducing Our Two New Credit Card Options](https://westmichigancu.com/better/) - Take control of your money by switching to our Better Rate or Better Reward Credit Card program with low rates and the possibility to earn money back.
- [Member Services](https://westmichigancu.com/member-services/) - We strive to offer a wide variety of services to our members to cover you wherever you are or whatever your life stage may be.
- [Make a Payment](https://westmichigancu.com/payment/) - Want to save time and pay your loan online? Use our web payment channel to make a one-time payment or register and set up recurring payments.
- [Bill Pay Tutorial Desktop](https://westmichigancu.com/bill-pay-tutorial-desktop/) - Use our step-by-step instructions or video Bill Pay tutorial to learn how to set up and use Bill Pay within your WMCU Online Banking.
- [Bill Pay Tutorial Mobile](https://westmichigancu.com/bill-pay-tutorial-mobile/) - Use our step-by-step instructions or video Bill Pay tutorial to learn how to set up and use Bill Pay within your WMCU mobile app.
- [Do You Know The Differences Between Credit Unions and Banks?](https://westmichigancu.com/credit-unions-whats-the-big-deal/) - Credit Unions are not-for-profit financial cooperatives, meaning they are owned by members. We partner with community members to reinvest into West MI.
- [Text Banking](https://westmichigancu.com/text-banking/) - We offer text banking for members to be able to receive their balance and transfer within their membership anywhere, even without internet access.
- [Health Savings Account](https://westmichigancu.com/health-savings-account/) - Health Savings Accounts (HSA) are tax-free savings accounts that can be used to pay for qualified medical expenses and help lower your overall healthcare costs.
- [Communications](https://westmichigancu.com/communications/) - West Michigan Credit Union publishes regular communications for its members to keep updated on current promotions and events within the Credit Union.
- [Tutorials](https://westmichigancu.com/tutorials/) - Need help setting up a feature for online banking or the WMCU mobile app? Figure out "how" with our easy to follow tutorials!
- [Complex Credentials Tutorial](https://westmichigancu.com/complex-credentials-tutorial/) - Complex Credentials require a stronger, more secure username and password combination, making it easier for you to bank with confidence.
- [Card Controls](https://westmichigancu.com/card-controls/) - Card Controls gives you access to temporarily lock and unlock your cards from our WMCU mobile app. Card Controls can also assist in reporting lost/stolen cards.
- [Fees](https://westmichigancu.com/fees/) - At West Michigan Credit Union, we believe in keeping fees to a minimum. This list is provided to you for your information. Fees subject to change.
- [Home Equity Line of Credit Loan](https://westmichigancu.com/heloc-loans/) - Home equity line of credit loans (HELOC) are a convenient and flexible way to finance things like college tuition, home improvement, or big expenses.
- [Home Equity Loans](https://westmichigancu.com/home-equity-loans/) - Home equity loans are a convenient and flexible way to finance things like college tuition, home improvement, or big expenses.
- [Why WMCU](https://westmichigancu.com/why-wmcu/) - Choosing a credit union is an important decision for your financial well-being. At WMCU, you are more than an account number, you have a voice.
- [Say Goodbye to Debt: Best Strategies for Financial Success](https://westmichigancu.com/debt-repayment-strategies/) - Learn the four methods of eliminating debt: debt snowball, debt avalanche, consolidation, and balance transfers. Find what debt repayment strategy works for you
- [Checking](https://westmichigancu.com/checking/) - Our checking accounts are a secure way to handle your checking needs. We offer no minimum balance requirement, overdraft protection, debit cards and much more.
- [Savings](https://westmichigancu.com/savings/) - A savings account is the foundation of your credit union membership. Our accounts earn competitive dividends and are a convenient way to save.
- [Seven Attainable Financial New Year's Resolutions](https://westmichigancu.com/financial-resolutions/) - Set realistic financial goals to achieve this upcoming year. 1. Build a budget 2. Reach savings goals 3. Refinance high interest loans 4. Improve your credit.
- [Real Estate Loans](https://westmichigancu.com/real-estate-loans/) - Speak to our Member Service Representatives about our Real Estate Loans. We will walk you through the process and help you figure out what works best.
- [Christmas Club](https://westmichigancu.com/christmas-club/) - Christmas Club allows you to set money aside for gifts through the year. This account is frozen until the funds are transferred to your account on November 1.
- [Nest Egg Savings](https://westmichigancu.com/nest-egg-savings/) - Our Nest Egg Savings Accounts is designed to help save for something special or assist with budgeting for upcoming expenses.
- [Share Savings](https://westmichigancu.com/share-savings/) - Our Share Savings Account is the primary membership account required to become a member of WMCU and provides access to all our benefits.
- [Financially Prepare for 2025: Learn How to Set Up an Emergency Fund](https://westmichigancu.com/emergency-fund/) - An emergency fund is a cash reserve that is set aside for unplanned expenses. Learn how much save, where to keep your savings, and how to reach your target.
- [Copy of Home](https://westmichigancu.com/home-copy/) - Helping you plant some holiday cheer.Our Holiday Loan and December Skip-A-Pay are here to help you breathe easier this holiday season. Learn more. Don't fall for common scams!We will NEVER ask for your Online Banking username or password, full card number, or CVV code. Contact us Our interest is in your growth.Earn more with our
- [Important Numbers](https://westmichigancu.com/important-numbers/) - We provide important numbers, regarding specific products and services, to give our members complete control over their accounts and cards.
- [Save Money This Holiday Season With These Simple Budgeting Tips](https://westmichigancu.com/holiday-budget/) - The average consumer spends around $1,530 during the holiday season. Follow these tips on creating your holiday budget...
- [Upcoming Merger](https://westmichigancu.com/merger/) - West Michigan Credit Union & Bloom Credit Union have merged as of April 1, 2025. We look forward to helping you bloom towards a simply better financial future!
- [Savings Rates](https://westmichigancu.com/savings-rates/) - With our savings accounts, Certificates of Deposit, and IRA Certificates of Deposit, you can make your savings goals a possibility! View all WMCU savings rates.
- [Certificate of Deposit](https://westmichigancu.com/certificate-of-deposit/) - Make your savings work for you with a Certificate of Deposit. We offer competitive rates on our CDs as a risk-free way to earn higher deposits.
- [Bill Pay](https://westmichigancu.com/billpay/) - Looking for an easy way to simplify your life? Save time by signing up for our electronic bill pay to pay your bills with the click of a button.
- [Easy Ways to Protect Your Online Accounts](https://westmichigancu.com/cybersecurity/) - Learn tips and tricks for how to best protect your private information on your online accounts.
- [Zelle](https://westmichigancu.com/zelle/) - Introducing Zelle®! An easy way to send money to friends, conveniently now in the WMCU Mobile App and Online Banking.
- [Cards](https://westmichigancu.com/cards/) - We offer Visa Better Rate and Better Reward Credit Cards, Debit Cards, Gift Cards and Travel Money Cards to give you ways to access your money wherever you are.
- [Student Loans](https://westmichigancu.com/student-loans/) - Whether you’re an undergraduate, career training, or graduate student, Student Loans from WMCU in partnership with Sallie Mae® could help!
- [Finance at Your Fingertips: How to Use Online Banking](https://westmichigancu.com/independent-banking-services/) - Access your banking account using the WMCU mobile app and start using our eServices to gain more independence over your finances.
- [Six Unique Summer Destinations in the Mitten](https://westmichigancu.com/summer-destinations-in-michigan/) - Check out these six nature travel attractions in Michigan that are perfect summer vacation destinations. Tahquamenon Falls, Torch Lake, Grand Haven, Manistee...
- [How to Talk to Kids About Money](https://westmichigancu.com/youth-month/) - Having conversations about money with kids doesn’t have to be daunting. In fact, it can be a fun and educational experience for you both!
- [Digital Wallet](https://westmichigancu.com/digital-wallet/) - A digital wallet is a contactless payment method. Make purchases by adding your debit or credit cards to Apple Pay™, Google Pay™, and Samsung Pay™.
- [Three Free Financial Literacy Resources You Probably Didn't Know About](https://westmichigancu.com/financial-literacy/) - Learn more about finance by accessing free financial literacy resources that you can read, watch, or listen to.
- [Shared Branches](https://westmichigancu.com/shared-branches/) - We partner with Xtend Shared Branches to make sure our members can access their account wherever they are and perform basic transactions at their convenience.
- [Thank you!](https://westmichigancu.com/thank-you/) - Thank you! Your request to authorize WMCU to pay overdrafts on your ATM and everyday debit cards transactions has been sent. If you have questions, contact us.
- [Simple Checking](https://westmichigancu.com/simple-checking/) - Our Simple Checking Account requires no minimum balance and has no monthly fee with eStatements. This is perfect for those looking for a basic checking account.
- [Debit Card Overdraft Protection](https://westmichigancu.com/debit-card-overdraft-protection/) - An overdraft occurs when you do not have sufficient available funds in your account to cover a transaction, but West Michigan Credit Union pays it anyway.
- [Biometric Information Privacy Policy](https://westmichigancu.com/biometric-privacy/) - West Michigan Credit Union recognizes the need to prioritize the privacy and security of your personal financial information. Call 1-800-442-4576 for inquiries.
- [Privacy Disclosure](https://westmichigancu.com/privacy-disclosure/) - Privacy and security of personal financial information is a concern to our members. We established and implemented policies to protect this information.
- [Online Privacy Policy](https://westmichigancu.com/online-privacy-policy/) - WMCU recognizes the need to prioritize privacy and security of your personal financial information. Call 1(800) 442-4576 for inquiries.
- [Ultimate First-Time Homebuyers Guide: Understanding the Ins and Outs](https://westmichigancu.com/home-buying-101/) - This guide provides an overview of buying a home, budgeting, pre-approval, making an offer, underwriting, and closing on a home.
- [Simply Secured: Protection Against the Unexpected](https://westmichigancu.com/simply-secured/) - Life can be wonderful but come with unexpected complications. Protect your loan balance or payments against unexpected circumstances with Simply Secured.
- [Simply Better Checking](https://westmichigancu.com/simply-better-checking/) - Our Simply Better Checking Account makes it easy to keep your finances safer and take advantage of smart discounts on financial services and everyday purchases.
- [Reorder Checks](https://westmichigancu.com/reorder-checks/) - WMCU is partnered with Main Street for all of our checks and check accessories. You can redeem member rewards points for standard checks.
- [Publications](https://westmichigancu.com/publications/) - Read West Michigan Credit Union's external publications about our involvement in the community and current promotions without having to search news platforms.
- [Partners](https://westmichigancu.com/partners/) - We partner with trusted entities to offer additional services. Our partners assist with insurance, providing more accessible locations, and financial literacy.
- [Direct Deposit](https://westmichigancu.com/direct-deposit/) - Set up direct deposit to use us as your primary financial institution. Set up distributions to easily pay your bills with a "set it and forget it" mentality!
- [Insurance](https://westmichigancu.com/insurance/) - West Michigan Credit Union offers a partnership with Liberty Mutual to provide dedicated representatives for members to meet your insurance needs.
- [How to Avoid Imposter Scams](https://westmichigancu.com/imposter-scams/) - Imposter scammers pose as authority figures to gain access to data and money. Learn the warning signs of common imposter scams and ways to avoid them.
- [Fraud Alerts](https://westmichigancu.com/fraud-alerts/) - We give you peace of mind by protecting your account and monitoring suspicious transactions for fraud, sending you alerts based on flagged transactions.
- [CU*Talk](https://westmichigancu.com/cutalk/) - CU*Talk is an automated phone service that allows for you to perform transactions and get info regarding your accounts without having to come into a branch.
- [Payment Channel Terms and Conditions](https://westmichigancu.com/payment-channel-terms-and-conditions/) - The purpose of this document is to deliver information about the payment system offered to you on behalf of your financial institution or other billing entity.
- [Travel Cards](https://westmichigancu.com/travel-cards/) - Our Visa Travel Cards are available for members who would like to be able to load money on a card that is not attached to their checking account.
- [Overdraft Protection](https://westmichigancu.com/overdraft-protection/) - We offer auto-transfers from savings, Overdraft Protection Express loans, CU*Advance courtesy pay, and coverage on ATM withdrawals and debit card transactions.
- [Online Banking](https://westmichigancu.com/online-banking/) - West Michigan Credit Union Members can access their account, transfer money, pay bills, deposit checks remotely, and more with Its Me 247 Online Banking.
- [More Information](https://westmichigancu.com/more-information/) - Additional information including disclosures, important numbers, and fees notices to help make your banking with West Michigan Credit Union be Simply Better.
- [Debit Card Round Up](https://westmichigancu.com/debit-card-round-up/) - What goals can you achieve by rounding up your transactions into your savings account? Make achieving your goals a breeze by enrolling in Debit Card Round Up.
- [Change in Terms - CU*Advance Non-Return Program](https://westmichigancu.com/cuadvanceprogram-2021change/) - This Change of Terms notice informs you of any changes that have been made to the CU*Advance Non-Return Program. CU*Advance is part of our Overdraft Options.