Consumers Credit Union Credit Cards

Consumers Credit Union is a leading credit card issuer that offers no-frills personal credit cards for both business and individuals  for everyday use. Browse credit cards below.

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About Consumers Credit Union

Consumers Credit Union is a Michigan-based credit union with its headquarters in Oshtemo, MI. The credit union serves its members with a dedication to customer service excellence and industry-leading services. These services include a Zillow-recommended mortgage team, checking and savings accounts, money markets and CDs, credit cards, and loans for individuals and small businesses.

Who Can Join Consumers Credit Union?

While Consumers Credit Union is based in Michigan’s lower peninsula, membership is open to anyone in the United States. If you’re interested in joining CCU, you must join the union’s Consumers Cooperative Association.

To join CCU, pay a one-time, non-refundable $5 fee to our sponsor, the Consumers Cooperative Association, and then deposit and maintain a minimum $5 in your Membership Share/Savings Account. That’s it! Pretty easy, huh?

CCU High Yield Rewards Checking

Consumers Credit Union offers many features you’d expect from a big bank, but with the exceptional, personalized service you expect from a credit union. This collection of products and services includes high-yield rewards checking account with an APY of up to 80X the national average.

The CCU Rewards Checking account offers several tiers of APY, with the basic account earning just 0.01% APY. Fortunately, the rewards rate climbs significantly, with 5% as the current top rate. You’ll need to meet spending and deposit requirements, however. Here are the tiers and the requirements to reach these tiers:

  • Tier A: Enjoy an APY of 5% after meeting the Tier B requirements and spend at least $1,000 monthly on your Consumers Credit Union credit card.
  • Tier B: Earn 4% APY after meeting the Tier C requirements and spending $500 monthly on your CCU Visa credit card account.
  • Tier C: Earn 3% APY after making at least 12 debit card transactions each month with your CCU debit card. Transactions are applicable either with or without using your pin.

The up to 5% APY with CCU is among today’s best high yield checking products. Most banks offer an APY of 3% on a high-yield account, with the national average for a checking account resting at a measly 0.06% APY. That makes CCU’s rewards checking one of the best options for anyone who wants to save money using their debit or credit card.

Auto Loans

The credit union also provides extensive loan products, including mortgages, personal loans, and auto loans. Consumer Credit Union auto loans offer extremely competitive rates, with members enjoying access to loans without minimum credit requirements. Even better, you can pre-qualify for a CCU auto loan before applying.

CCU offers three auto loan types: used, new, and refinance. As with other banks, the best rates come for loans on new cars. However, used cars are also available for loans with the current cut-off date for a vehicle eligible for purchase set at 2016 models.

Mechanical Repair Coverage

Consumers Credit Union offers another form of automotive coverage: mechanical repairs coverage. Like a car warranty, this coverage deals with repair costs if your vehicle breaks down, needs replacement parts, or suffers another mechanical problem. Mechanical breakdown insurance, as it is also known, adds an extra layer of protection to your car’s insurance policy.

Here’s what mechanical repairs coverage covers:

Air conditioner Brakes Convertible motor Electrical systems
Electronic locks or mirrors Suspension Front/rear wheel drive Heater
Engine Transmission Radiator Steering
Safety systems Security systems Power seats Etc.

Credit Cards

CCU also issues a range of credit cards using the Visa payment network. These credit cards provide competitive interest rates, lengthy 0% intro APR periods (where applicable), and lucrative points or cash back on select purchases – including groceries, gas, travel, and more.

Consumers CU Branch Locations

Consumers currently operates 21 branches in the SW of Michigan. Most of these locations are in the Greater Grand Rapids area, with other locations in Norton Shores, Muskegon, Cedar Springs, Greenville, and Traverse City (among other sites). For a complete list of Consumers Credit Union branches, please visit the credit union’s official locations page.

Consumers members also have access to over 30,000 fee-free ATMs courtesy of the CO-OP Network of ATMs, plus shared branches with other credit unions.

FAQs About Consumers Credit Union

Here are answers to common questions about Consumers Credit Union:

  • The routing number for Consumers is 272481839.
  • The toll-free number for customer service is (800) 991-2221
  • Consumers offers exceptional customer service, a Zillow-recommended mortgage team, 24/7 online account access via the web or mobile app, local experts, and free coffee and Wi-Fi in branches.
  • Like other credit unions, deposits in PenFed are insured through the National Credit Union Administration (NCUA) for up to $250,000.

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