The University of Michigan Credit Union is a personal credit card from University of Michigan Credit Union. Application typically pulls a hard report from TransUnion. The annual fee is No annual fee. The ongoing APR is 12.99% - 18.99% Non-variable APR for purchases, balance transfers and cash advances. Rewards: 1.10% cash back on all purchases at all merchants; cash back never expires and is deposited to your UMCU Savings Account on the last day of every month.