Q: How can I improve my credit score?

A: Meijer Credit Union has the tools, resources, and knowledge to help you improve your credit score. We will review your credit score with you and discuss options on how we can work together to improve it. Start learning about your credit score by contacting our Loan Department at (616) 784-4822, option 4.

Q: How do I set up automatic payments (ACH) from another financial institution?

A: Complete our ACH Agreement Form and fax it to (616) 784-3442 or mail it to Meijer Credit Union at 2410 Gaynor Ave NW, Grand Rapids, Michigan 49544. 

Q: What are your rates for Auto Loans?

A: Without an application, we cannot accurately quote a rate. There are four factors that go into what interest rate you will pay on an auto loan. Contact our Loan Department to get your rate at (616) 784-4822, option 4.


1. Age of vehicle

2. Price of the vehicle as compared to the NADA retail value

3. Your and any other applicant's credit score

4. Length of term of loan

Q: Are there any other benefits to being a member of Meijer Credit Union?

A: In addition to personalized services and competitive rates, we offer our members special discounts and insurance products. Save money on Turbo Tax, RX Optical, and more. Obtain insurance coverage for Life, Auto, Property, and Health through TruStage. Visit our Member Benefits/ Discount webpage for more information. 

Q: Do you have a secured credit card?

A: We do not offer a secured credit card. However, if you are looking to build your credit score we do offer a credit rebuilder program. Contact our Loan Department at (616) 784-4822, option 4 to learn more.

Q: How can I earn more interest on my checking account?

A: We offer a high interest bearing checking account called My Cash that lets you earn 3.00% APY* on balances up to $15,000. To apply or for more information on our high interest checking account, visit our checking accounts page or call us at (616) 784-4822.

Q: What is the minimum credit score to get a mortgage?

A: Each mortgage application is subject to approval. Non-perfect credit, no credit, and all credit will be considered for a mortgage. If you have questions about mortgages, please contact our Mortgage Department at mortgagesales@meijercreditunion.com

Q: What are the steps to be preapproved for a mortgage or home equity loan?

A: We offer mortgage and home equity loan checklists to prepare you for the application process. Your next step is to fill out a mortgage or home equity loan application. Once we receive your application, one of our experienced loan officers will contact you and guide you in getting preapproved. If you have any other questions, please call our Loan Department at (616) 784-4822, option 3.

Q: How can I find the nearest Shared Branch/ATM?

A: Go to our Shared Branches and ATMs webpage and scroll to the bottom. Click on one of the Shared Branch and ATM provider icons and it will prompt you to put in your location. A list of shared branches and ATMs will appear. You can also download the Shared Branch and ATM providers' mobile applications for Android and iPhones for your convenience.

Alliance One


Google Play

Apple App Store


Google Play 

Apple App Store

Q: Where do I find my year end 1099 interest form?

A: Your year end 1099 interest form will be in your December statement or e-statement. The statement will be mailed/available to you in January. For those who have e-statements, you can access your 1099 in your online banking and print it for your records. Note: if you receive e-statements you will NOT get mailed a 1099. If you wish to receive a mailed copy, please contact us at (616) 784-4822.


*APY=Annual Percentage Yield. APYs accurate as of 12/1/2021. Rates may change after account is opened. For My Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 3.00%; and (3) balances over $15,000 earn 0.15% interest rate on the portion of the balance over $15,000, resulting in a range of 3.00% to 0.55% APY depending on the balance. If qualifications are not met on My Cash all balances earn 0.10% APY. Qualifying transactions must post to and settle My Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised My Cash APY is based on compounding interest. Interest earned in My Cash is automatically transferred to Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised My Cash APY. The Saver APYs may be less than My Cash APYs. If qualifications in My Cash are met each monthly qualification cycle: (1) balances up to $10,000 in Saver receive an APY of 0.25%; and (2) balances over $10,000 in Saver earn 0.15% interest rate on portion of balance over $10,000, resulting in a range of 0.16% to 0.25% APY depending on the balance. If qualifications are not met on My Cash, all balances in Saver earn 0.10% APY. Transfers between accounts do not count as qualifying transactions.


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