University of Michigan 

University of Michigan Credit Union Brief History:

Each credit union depends on their success on the concepts of self-help and helping neighbors. The University of Michigan Credit Union employee also depends on our recognition that all those who work for the University are, in fact, neighbors who share common interests and concerns. I believe that this union so important not only for each of its individual members, but also to our entire family and community credit University.

-Robben W. Fleming, president of the University of Michigan, 1968-1979

The University of Michigan Credit Union offers substantial financial services and, as a sponsor of many events on campus and community, demonstrates both a strong sense of social responsibility and loyalty to the university community. UMCU consider as a valuable employee benefit.

Mary Sue Coleman, President of the University of Michigan, 2002-present

Why is a different credit union in a community like ours, where a variety of financial deposit options are available? U of M Credit Union is a financial cooperative non-profit. We are oriented bottom line conscious, but not profits. It is our role to serve the needs of members, savings deposit or a source to satisfy a need for loans. We do not have the self pressure improved shareholder dividends search their securities holdings. Our directors are members of the credit union, serve without pay, and are elected by other members.

Growth Organization and the U of M credit union:

On November 8, 1954, a letter was signed by Stephen A. Barnett, William J. Carey, Michael P. Church, Harold M. Dorr, N. Marbury Efimenco, Pierce H. Farrar, Donald B. Gooch, Robert F. Haugh, Mrs. B. Julian Nott, Charles E. Stallard, Alfred B. Ueker, and Fred G. Walcott, the organization of the University of Michigan credit Union Employees. Michael P. Church was the key to this effort of organization. In the early 1950s, Michael served as Executive Secretary of the Michigan Education Association, Region III, and wanted to organize a credit union for teachers in five local counties. Teachers in the counties of Monroe and Jackson, however, wanted their own credit union, so Mr. Church helped organize a credit union for employees of the University of Michigan. The credit union began operating in a small office in the administration building of the University. Over the years UMCU was located above a barber shop in the Personnel Department of the University, in an office two adjacent to a campus restaurant, in its own building on the north side of the city cashiers, and in rented rooms in a mall. In 1982, the University of Michigan students were added to the field of membership and "employee" was removed from our name. Today the University of Michigan Credit Union serves its members at six offices of Ann Arbor, a branch campus of UM Dearborn, in shared nationwide branches, offices of the Center for Family Services in Michigan, via the Internet, and through access to a network of ATMs worldwide.

Growth and change:

Our history is a history of growth and change. We have grown from 12 members in 1954 to 55,029 members (as of 09/30/13) and $ 9.00 to $ 516 billion in assets (as of 09/30/13). Our mission is to provide quality financial services that meet current and future financial needs of our partners owners. We use surveys, member satisfaction surveys and focus groups to find out what our members want and how well they are serving them. We are a community financial institution in an environment of higher education and take pride in the fact that users can get to us ... we are accessible suppliers and listen to them.

The continued growth of products, services and technology use:

Ann Arbor is a competitive financial environment. It has been important to the U of M Credit Union to offer a wide range of products and services, and to use technology to improve and enhance products, services and delivery systems. We have some special services that differentiate us from other financial institutions, including repair, loan application 24 hours programs for young members branches (including account Penny Pioneer, the Edge independent of the program and Financial Fitness program), discount programs insurance, distributor.

Annabelle story

Annabelle is real

One of the creepy pieces really terrible spell that possessed evil doll Annabelle, which is the cornerstone of the fearsome trophies Ed and Lorraine Warren museum. Director James Wan Annabelle returned to work for the film, giving it a much more alarming aspect, but also in real life Annabel was just your run of the mill ragdolls.

Donna managed to Annabelle his mother in 1970; Mom bought a doll used in the hobby shop. Donna was a college student at the time, and living with a fellow named Angie, and at first may think that the doll was something special. But eventually, they realized Annabelle seemed to move on their own; At first it was very subtle, but changes in the position of the kinds of things that could be written off as a zarandeado doll. However, more movement and appeared to be fully mobile within a few weeks. The girls leave the apartment with Annabelle on Donna's bed, and go home to find it on the couch.

Lou hated wrist. It is believed that there is something deeply wrong with him, something wrong, but the girls were modern women do not believe that kind of thing. They must be an explanation, they reasoned. Annabel But soon the action became even more strange - Donna started finding pieces of parchment paper in the house with messages written on it. "Help us," he would say, or "Help Lou." Just to make it all one more terrible in the house was not parchment paper. Where the hell did he come from?

The climb continues. One night Donna came home to find Annabel in her bed with blood on their hands. Blood - or some kind of red liquid - that seemed to come from the wrist itself. That was enough; Donna finally agreed to bring the environment. Sensible sitting with wrist and told the girls that long before his housing complex had a box on this property were built. seven year old girl named Annabelle Higgins was found dead in the area. His spirit was, and when he came to the Dollhouse clung to him. He found Donna and Angie to be reliable. She just wanted to stay with them. She wanted to be safe with them.

Being, types of nutritious sweet - both were nursing students - Donna and Angie agreed to stay with Annabel. And that was when all hell broke loose.

Lou began to have nightmares, dreams in Annabelle was in bed, leg lifts while frozen, slides on the chest of her neck and shoved his hands closed around her throat, choking him. He awoke with horror, hitting his head, cut all the blood in his brain. I was worried. He was worried about the girls.

A few days later he and Angie hung, planning a trip, when they heard someone moving around the room of Donna. It froze - was a break in? if the attacker was in the apartment? Lou crawled to the door, listening to the inner whisper. The door opened and everything was as it should be - apart from Annabel was out of bed and sit in a corner. Approaching Lou's wrist it was absorbed by this feeling, a burning sensation in the back of the neck, indicating that someone is watching you, and he turned. There was nobody there. The room was empty. And then a sudden chest pain. He looked at his shirt and saw a series of trenches rough raking claws into her flesh was burned. He knew that Annabel did.

claws foreign brands began almost immediate healing. They were gone completely within two days. They looked like any injury, none of them had never seen before. They knew they needed more help, and the Episcopal priest who in turned called in Ed and Lorraine Warren became.

It did not take long Warrens to reach its conclusion: there was no ghost in this case. There was an inhuman spirit - the demon - joins the wrist. However, they warned that the doll did not possess; The demons do not possess the things only humans. She clung to a doll, manipulating it to give the impression of a disturbing. The goal was actually the soul of Donna.

The priest performs an exorcism on a flat surface and Warren took over the wrist. They put in a bag and began the long trip back home; Ed agreed to stay on the road, because there was a fear that the devil can catch up with the car, and 65 miles per hour, which would be disastrous. And indeed, when they were driving on rural roads, the engine continued carving, power steering failure and even keeps the brakes gave them problems. Ed opened the bag, sprinkled holy water on the wrist and outrage stopped ... for now.

Ed left wrist next to his desk; He began to levitate. It happened a couple of times, then he found out it finally laying silent. But after a couple of weeks, Annabelle returned to the old ways; She began appearing in the various rooms of the house of Warren. Feeling that the wrist was rising again called in a mold Warrens Catholic priest Annabelle. The priest did not take it seriously, saying Annabelle "You're a doll. You can not offend anyone!" Big mistake: on the way home the brakes failed priest and his car was in a terrible accident. He survived.

In the end, Warren built a case blocked by Annabelle, and she is there to this day. If blocked, apparently, holding the wrist to move, but it seems that all the terrible creature joins him is still there, waiting. Biding their time. Ready for the day he can return to be free.