United Federal Credit Union is headquartered in Saint Joseph and is the 5th largest credit union in the state of Michigan. It is also the 114th largest credit union in the nation. It was established in 1949 and as of March of 2025, it had grown to 680 employees and 191,437 members at 45 locations. United Federal Credit Union's money market rates are 3X the national average, and it has an A health rating.
Field of Membership Restrictions
Membership in United Federal Credit Union is open to all U.S. citizens and resident aliens through membership in the American Consumer Council. Individuals who live, work, worship, or attend school near any United Federal Credit Union branch are also eligible to join. Employees/retirees of more than 900 Corporate Members qualify for membership, as do immediate family members of current United Federal Credit Union members.
See current membership details
Horrible Bank
I have not been able to access my money from the ATM at the bank for the past two weeks. So I left work early today to talk with someone at the bank. The teller I spoke with was polite but couldn’t help me and couldn’t answer basic questions. She kept having to ask the teller next to her for the answers. She also kept handing my debit card back to me saying it’s fine, it’s active, it works. And I kept telling her no, it’s not. She told me if my card doesn’t work at this ATM I should drive to there other locations and try those… right, like I have nothing better to do with my time. Finally she asked the bank manager to come answer my questions, his name was William S. He wasn’t all that helpful either and finally said let’s go outside and you can show me if the card isn’t working. He pointed me to the back of the building and made me walk in front of him, even though I had no clue where we were going. As we walked to the back of the building he said to me, “and don’t you ever talk to my tellers like that again.” I said, “like what!?” He told me I was yelling. I was frustrated because I had to repeat myself multiple times, no one could answer my questions, I can’t assess my money when I need it and the staff was dismissing me. So yes, my voice was raised but I was not yelling. When we got to the ATM in the drive through my card did not work, like I said and he issued me a new card. How hard was that? Why did it have to come to this? I’m ready to pull all my money and never bank with United again. They belittled, humiliated and made me feel like I was the problem for wanting access to my money.
INCOMPETENT TIMEWASTERS
After 2 months of the loan officer confirming everything was OK, after the home appraisal was OK, after emails confirming the HELOC was approved and docs would be sent....the VP of Lending changed hi mind because I was temporarily overseas and they " don't trust a French notary". DONT WASTE YOUR TIME WITH THEM
This Credit Union Requires Hard Pull
I am looking at switching CUs, so this one has some decent rates. So i filled out all the apps and sent them picture of my DL. They told me i needed to unfreeze my credit reports to open an account. This means they will do a hard pull. I have never had a bank or CU that needed to do a hard pull. I opened a savings at live oak last month with no problems. I will never unfreeze my credit reports just to open an account. I even offered to show up in person with my DL and SS card, but nobody has responded.
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 6288 |
| Year Chartered | 1949 |
| Employees | 680 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.11% |
| Return on Equity - YTD | 11.39% |
| Annual Interest Income | $51.8MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $4.19B$3.92B |
| Loans | Q1 2025vs Q1 2024 | $3.04B$2.93B |
| Deposits | Q1 2025vs Q1 2024 | $3.49B$3.28B |
| Equity Capital | Q1 2025vs Q1 2024 | $408.8MM$356.5MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $34.3MM$36.4MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $13.5MM$16.8MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $182K$0 |
