Oakland University Credit Union

Silver Sail Accounts

Strong Today. Confident Tomorrow.

The Silver Sail program, designed exclusively for members who are 55 and older, provides enhanced tools, added savings, and trusted guidance to help you grow what you've earned, protect what matters most, and make decisions with confidence.

Apply Now

Silver Sail membership is free and built to reward you.

You'll enjoy:
• Classic Checking account with no monthly service fee¹
• One free box of checks (select styles) per primary account per calendar year²
• Free Money Orders, Cashier's Checks, notary services and discounted international wire transfers³

Plan, Protect, and Prepare with Confidence

TrusStage Digital
Estate Kit

Put your wishes in writing and protect the people you care about most. Through trusted One Digital Trust, you can create or update legally valid documents designed and approved by estate planning attorney.

Retirement
Simplified

Create a free profile with OU Credit Union Retirement Simplified to view your personalized Retirement Score and see
how prepared you are for retirement.

Silvur
Insurance

OU Credit Union Silver Sail receive free Medicare guidance at no cost and with no obligation. You'll have the option to meet with an experienced, licensed insurance agent by phone, online, or in person.

Insured Ways to Help Your Money Work Harder

Certificates

Lock in competitive, guaranteed growth with a fixed rate and a term that fits your goals -- a steady, secure option for both short- and long-term plans.

Savings Builder

Earn more on your initial savings with tiered dividends designed to help you reach your goals faster.

Insured Money Management Account (IMMA)

Enjoy higher earning potential while keeping your funds accessible. The IMMA
provides flexibility and growth in one smart solution.

Make Every Dollar Go Further

CashBack+ — Unlimited Cash Back

Earn up to 20% cash back at participating pharmacies, grocery stores, gas stations, and more. Purchase digital gift cards using money already in your OU Credit Union account - no new debt, just smarter spending. It's a simple way to stretch your budget and strengthen your financial wellbeing.

CashBack+ — Unlimited Cash Back

Member Referral

Share the benefits of membership with family and friends. When they join, you both earn $25 rewards – because financial strength grows when it's shared.

Member Referral

Share the benefits of membership with family and friends. When they join, you both earn $25 rewards – because financial strength grows when it's shared.

1 The monthly service charge for a Classic Checking account will be waived if the balance in the member's primary account falls below the $500 minimum requirement for a Silver Sail member. This benefit applies only to the primary account; any additional accounts are not eligible.

2 One free box of select-style checks per primary account each calendar year for Silver Sail members. Bulk shipping is provided at no cost. If the member selects an expedited shipping option, the additional cost will be the member's responsibility.

3 Silver Sail members receive Money Orders, Cashier's Checks, and notary services at no cost for their primary account; international wire transfers are provided at a discount. For complete details, please visit www.oucreditunion.org/silveraccount.

Disclosures