Featured Savings Rates
Featured Accounts

United Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.25%5-year CD55 Month CD Special
2.25%5-year IRA55 Month IRA Special (Traditional, Roth)
1.25%Reward CheckingInterest Plus Checking

Overview / Commentary
296-982-1400
2807 S State St
Saint Joseph, MI 49085-2454

United Federal Credit Union is headquartered in Saint Joseph and is the 4th largest credit union in the state of Michigan. It is also the 94th largest credit union in the nation. It was established in 1949 and as of December of 2016, it had grown to 568 employees and 154,875 members at 32 locations. United Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership in United Federal Credit Union is open to the following: (1) anyone who lives in the states of Arkansas, Indiana, North Carolina, Michigan, Nevada, Ohio, or Oklahoma through joining the American Consumer Council; (2) those who live in Crawford County in Arkansas; (3) those who live in the townships of Bangor, Benton, Coloma, Covert, Hartford, Lawrence, or Watervilet in Michigan; (4) those who live in Caron City County, Churchill County, Douglas County, Elko County, Eureka County, Humboldt County, Lyon County, Mineral County, NYE County, Pershing County, Storey County, Washoe County, or White Pine County in Nevada; (5) those who live in the city limits of Marion, Ohio; (5) those who live in LeFlore County or Sequoyah County in Oklahoma; (6) employees and retirees of H.J. Heinz Company and over 900 Corporate Members.
See current membership details

Related Posts

United FCU Has New Certificate Specials For The New Year - 1/6/2017

United FCU has two new limited-time Share Certificate Specials: 16-month (1.40% APY) and 45-month (2.20% APY). Min deposit is $500, with no balance cap.

United FCU Adds Three Limited-Time Certificate Specials - 12/22/2016

United FCU has added three Share Certificate Specials: 14-month (1.25% APY), 25-month (1.55% APY), and 55-month (2.25% APY). Min deposit is $500, with no balance cap.

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Reviews (1)

I Hate This Company

UFCU is horrific. Every time you call you will receive a different answer. the staff is rude and unprofessional. As the mistakes on their side pile up, the attitude and rudeness increase.

I closed my account with ufcu when I was 21, they failed to close my account and an autopay bill had it overdrafted basically one hundred dollars. This put me in a system called Chex Systems making it impossible for me to open a bank account.

Four years later and Im still trying to pay this bill. First they told me it was sent to collections. I spent two years trying to find it within different collection agencies they would send me to. Finally I paid nearly three hundred dollars for a debt finder to locate the bill and was told that It never left the branch and was never sent to collections in the first place. Then I began calling UFCU and have not stopped. Every time I have called they have told me to pay the bill a different, more time consuming way. Today I called after being instructed to have a friend or family member pay the bill with their routing number(As I don't have a checking account because of chex systems), when I called with my friend to pay the bill, I was instructed to mail the bill to michigan and told the person who I had just spoken to was incorrect. Now I am going to mail a money order to this hellhole and I am beyond sure, I will never see that bill paid, they will lose my bill and act like I never sent it.

Over the four years I have been screamed at, told to shutup, and continuously told I am the one who is confused. Customer service simply does not exist with these people. It was has been one of the most tumultuous experiences of my life. This place is a horrendous joke. My fingers are crossed so hard that I can finally be rid of this chapter of my life.



Health

Health Grade Components

Overall
NCUA #6288
Year Chartered1949
Employees568
Primary Regulator
Profit Margin
Return on Assets - YTD0.86%
Return on Equity - YTD8.45%
Annual Interest Income$100.1MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$2.25B$2.01B
LoansQ4 2016vs Q4 2015$2.02B$1.75B
DepositsQ4 2016vs Q4 2015$1.58B$1.41B
Equity CapitalQ4 2016vs Q4 2015$226.1MM$207.0MM
Loan Loss AllowanceQ4 2016vs Q4 2015$19.0MM$17.6MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$13.8MM$11.4MM
Real Estate OwnedQ4 2016vs Q4 2015$114.00K$450.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

United Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$25k*-Health Savings Account
OTHER TIERS: 0.10% Up to $1k | 0.35% $1k - $10k | 0.50% $10k - $25k
0.10%--Achiever Savings
0.05%--Youth Savings
0.05%--Holiday Club
0.05%$300-Membership Savings
0.05%$300-Business Membership Savings

United Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$350k*-Member's Advantage Money Market
OTHER TIERS: 0.05% $1k - $10k | 0.10% $10k - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k | 0.25% $100k - $350k
0.15%*$25k*-IRA Money Market Account
OTHER TIERS: 0.05% $250 - $10k | 0.10% $10k - $25k

United Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%*-$25kInterest Plus Checking
OTHER TIERS: 0.10% $25k+
0.15%*$100k*-Platinum Plus Checking
OTHER TIERS: 0.05% $1k - $25k | 0.10% $25k - $100k
0.15%*$100k*-Business Growth Checking
OTHER TIERS: 0.05% $10k - $25k | 0.10% $25k - $100k

United Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%$500-55 Month CD Special
1.60%$500-25 Month CD Special
1.25%$500-16 Month CD Special
1.20%*$100k*-60 Month Premier CD
OTHER TIERS: 1.15% $50k - $100k
1.10%$500-60 Month Share CD
1.00%*$100k*-48 - 59 Month Premier CD
OTHER TIERS: 0.95% $50k - $100k
0.95%*$100k*-36 - 47 Month Premier CD
OTHER TIERS: 0.90% $50k - $100k
0.90%$500-48 - 59 Month Share CD
0.80%$500-36 - 47 Month Share CD
0.70%*$100k*-24 - 35 Month Premier CD
OTHER TIERS: 0.60% $50k - $100k
0.68%$500$1m36 Month Bump Up CD
0.50%*$100k*-18 - 23 Month Premier CD
OTHER TIERS: 0.45% $50k - $100k
0.50%$500-24 - 35 Month Share CD
0.40%*$100k*-12 - 17 Month Premier CD
OTHER TIERS: 0.35% $50k - $100k
0.35%$500-18 - 23 Month Share CD
0.30%*$100k*-6 - 11 Month Premier CD
OTHER TIERS: 0.25% $50k - $100k
0.30%$500-12 - 17 Month Share CD
0.25%*$100k*-3 - 5 Month Premier CD
OTHER TIERS: 0.20% $50k - $100k
0.25%$500-12 Month Young Investor Certificate
0.20%$2,500$250k12 Month Liquid CD
0.15%$500-6 - 11 Month Share CD
0.15%$500-6 - 11 Month Young Investor Certificate
0.10%$500-3 - 5 Month Share CD
0.10%$500-3 - 5 Month Young Investor Certificate

United Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%$500-55 Month IRA Special
2.25%$500-55 Month CESA Special
1.60%$500-25 Month IRA Special
1.60%$500-25 Month CESA Special
1.25%$500-16 Month IRA Special
1.25%$500-16 Month CESA Special
1.20%*$100k*-60 Month Premier IRA
OTHER TIERS: 1.15% $50k - $100k
1.20%*$100k*-60 Month Premier CESA
OTHER TIERS: 1.15% $50k - $100k
1.10%$500-60 Month IRA
1.10%$500-60 Month CESA
1.00%*$100k*-48 - 59 Month Premier IRA
OTHER TIERS: 0.95% $50k - $100k
1.00%*$100k*-48 - 59 Month Premier CESA
OTHER TIERS: 0.95% $50k - $100k
0.95%*$100k*-36 - 47 Month Premier IRA
OTHER TIERS: 0.90% $50k - $100k
0.95%*$100k*-36 - 47 Month Premier CESA
OTHER TIERS: 0.90% $50k - $100k
0.90%$500-48 - 59 Month IRA
0.90%$500-48 - 59 Month CESA
0.80%$500-36 - 47 Month IRA
0.80%$500-36 - 47 Month CESA
0.70%*$100k*-24 - 35 Month Premier IRA
OTHER TIERS: 0.60% $50k - $100k
0.70%*$100k*-24 - 35 Month Premier CESA
OTHER TIERS: 0.60% $50k - $100k
0.50%*$100k*-18 - 23 Month Premier IRA
OTHER TIERS: 0.45% $50k - $100k
0.50%$500-24 - 35 Month IRA
0.50%*$100k*-18 - 23 Month Premier CESA
OTHER TIERS: 0.45% $50k - $100k
0.50%$500-24 - 35 Month CESA
0.40%*$100k*-12 - 17 Month Premier IRA
OTHER TIERS: 0.35% $50k - $100k
0.40%*$100k*-12 - 17 Month Premier CESA
OTHER TIERS: 0.35% $50k - $100k
0.35%$500-18 - 23 Month IRA
0.35%$500-18 - 23 Month CESA
0.30%*$100k*-6 - 11 Month Premier IRA
OTHER TIERS: 0.25% $50k - $100k
0.30%$500-12 - 17 Month IRA
0.30%*$100k*-6 - 11 Month Premier CESA
OTHER TIERS: 0.25% $50k - $100k
0.30%$500-12 - 17 Month CESA
0.25%*$100k*-3 - 5 Month Premier IRA
OTHER TIERS: 0.20% $50k - $100k
0.25%*$100k*-3 - 5 Month Premier CESA
OTHER TIERS: 0.20% $50k - $100k
0.15%$500-6 - 11 Month IRA
0.15%$500-6 - 11 Month CESA
0.10%$500-3 - 5 Month IRA
0.10%$500-3 - 5 Month CESA
Locations

United Federal Credit Union has 32 locations. Click to view all United Federal Credit Union locations.