UMCUUS33 — UNIVERSITY OF MICHIGAN CREDIT UNION

The SWIFT code UMCUUS33 identifies UNIVERSITY OF MICHIGAN CREDIT UNION in ANN ARBOR, MI, United States. This head office code is used for cross-border payments and SWIFT network routing.

The 8 or 11 characters of UMCUUS33 are parsed as follows: characters 1-4 (UMCU) represent the bank code for UNIVERSITY OF MICHIGAN CREDIT UNION; characters 5-6 (US) indicate the country code for United States; characters 7-8 (33) specify the location code; and the final characters (—) designate the specific branch.

UMCUUS33 is formatted as a valid ISO 9362 Business Identifier Code and is listed in our reference directory for UNIVERSITY OF MICHIGAN CREDIT UNION in ANN ARBOR, MI, United States. Our directory records come from an open community compilation last updated in 2024, so listing is not confirmation of current status — SWIFT does not publish a free live status feed. Always confirm the code with the beneficiary bank before sending funds.

The physical address registered for UMCUUS33 is: 340 EAST HURON, 48104, ANN ARBOR, MI, United States. Verify this address matches your recipient's branch details before initiating a transaction.

An 8-character BIC (BIC8) identifies an institution's primary head office, while an 11-character BIC (BIC11) specifies a distinct branch or department. Appending 'XXX' to UMCUUS33 forms the conventional head-office branch suffix; both formats route validly on the network.

Yes. UMCUUS33 is the primary 8-character head office code for UNIVERSITY OF MICHIGAN CREDIT UNION. When a specific branch BIC is unknown, payments directed to UMCUUS33 (or UMCUUS33XXX) route to the central head office for internal distribution.

SWIFT codes like UMCUUS33 identify the bank institution, while IBANs (ISO 13616) identify the individual customer account. Within SEPA (ECB SEPA), IBANs are sufficient for routing; outside SEPA, both SWIFT BIC and account number are typically required.

Using an incorrect code can delay transfers, cause payment returns, or route funds to an incorrect institution. Correspondent banks along the route may charge return processing fees, and currency conversion losses may occur. Always verify details with the beneficiary.

International SWIFT wires typically settle within 1 to 5 business days, depending on time zones, clearing cut-offs, correspondent hops (BIS CPMI), and compliance checks.

When sending and receiving banks lack direct clearing accounts, transfers route through intermediary correspondent banks (BIS CPMI) that maintain shared Nostro/Vostro accounts. Each hop may deduct a handling fee.

No. UMCUUS33 is an international ISO 9362 SWIFT BIC. Domestic transfers in United States clear through undefined under [object Object] oversight (primary currency: USD). SWIFT BICs route cross-border transactions.

This record is sourced from an open community BIC compilation (2024 vintage). For full data provenance, see our Data Sources Register.

Confirm the exact BIC and account details directly with your beneficiary, verify beneficiary bank name match, and beware of invoice fraud. Reference directories are for verification support.