Featured Savings Rates
Featured Accounts

United Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.20%Reward CheckingInterest Plus Checking
1.85%5-year CD55 Month CD Special
1.85%5-year IRA55 Month IRA Special

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 97th largest credit union in the nation. It was established in 1949 and as of September of 2016, it had grown to 558 employees and 152,463 members at 31 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

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Health
A

Health Grade Components

Overall
NCUA #6288
Year Chartered1949
Employees558
Primary Regulator
Profit Margin
Return on Assets - YTD0.85%
Return on Equity - YTD8.25%
Annual Interest Income$73.7MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$2.18B$1.99B
LoansQ3 2016vs Q3 2015$1.95B$1.72B
DepositsQ3 2016vs Q3 2015$1.53B$1.39B
Equity CapitalQ3 2016vs Q3 2015$221.4MM$201.0MM
Loan Loss AllowanceQ3 2016vs Q3 2015$18.9MM$19.1MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$13.8MM$9.6MM
Real Estate OwnedQ3 2016vs Q3 2015$231.00K$460.00K
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% $250 - $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
0.35%*$350k*-Business Member's Advantage Money Market
OTHER TIERS: 0.05% $1k - $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
1.20%*-$25kInterest Plus Checking
OTHER TIERS: 0.05% $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
2.00%$500-55 Month CD Special w/ IPC Checking
1.85%$500-55 Month CD Special
1.60%*$100k*-60 Month Premier CD
OTHER TIERS: 1.55% $50k - $100k
1.50%$500-60 Month Share CD
1.35%*$100k*-48 - 59 Month Premier CD
OTHER TIERS: 1.30% $50k - $100k
1.25%$500-48 - 59 Month Share CD
0.95%*$100k*-36 - 47 Month Premier CD
OTHER TIERS: 0.90% $50k - $100k
0.85%$500-36 - 47 Month Share CD
0.85%$500-11 Month Certificate Special
0.70%*$100k*-24 - 35 Month Premier CD
OTHER TIERS: 0.60% $50k - $100k
0.68%$500$1m36 Month Bump Up CD
0.55%*$100k*-18 - 23 Month Premier CD
OTHER TIERS: 0.50% $50k - $100k
0.50%$500-24 - 35 Month Share CD
0.40%*$100k*-12 - 17 Month Premier CD
OTHER TIERS: 0.35% $50k - $100k
0.40%$500-18 - 23 Month Share CD
0.30%*$100k*-6 - 11 Month Premier CD
OTHER TIERS: 0.25% $50k - $100k
0.25%*$100k*-3 - 5 Month Premier CD
OTHER TIERS: 0.20% $50k - $100k
0.25%$500-12 - 17 Month Share CD
0.25%$500-12 Month Young Investor Certificate
0.20%$2,500$250k12 Month Liquid CD
0.15%$500-6 - 11 Month Share CD
0.10%$500-3 - 5 Month Share CD
0.10%$500-3 - 5 Month Young Investor Certificate
0.10%$500-6 - 11 Month Young Investor Certificate

United Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$500-55 Month IRA Special w/ IPC Checking
1.85%$500-55 Month IRA Special
1.60%*$100k*-60 Month Premier IRA
OTHER TIERS: 1.55% $50k - $100k
1.50%$500-60 Month IRA
1.35%*$100k*-48 - 59 Month Premier IRA
OTHER TIERS: 1.30% $50k - $100k
1.25%$500-48 - 59 Month IRA
0.95%*$100k*-36 - 47 Month Premier IRA
OTHER TIERS: 0.90% $50k - $100k
0.85%$500-36 - 47 Month IRA
0.70%*$100k*-24 - 35 Month Premier IRA
OTHER TIERS: 0.60% $50k - $100k
0.55%*$100k*-18 - 23 Month Premier IRA
OTHER TIERS: 0.50% $50k - $100k
0.50%$500-24 - 35 Month IRA
0.40%*$100k*-12 - 17 Month Premier IRA
OTHER TIERS: 0.35% $50k - $100k
0.40%$500-18 - 23 Month IRA
0.30%*$100k*-6 - 11 Month Premier IRA
OTHER TIERS: 0.25% $50k - $100k
0.25%*$100k*-3 - 5 Month Premier IRA
OTHER TIERS: 0.20% $50k - $100k
0.25%$500-12 - 17 Month IRA
0.15%$500-6 - 11 Month IRA
0.10%$500-3 - 5 Month IRA
Locations

United Federal Credit Union has 31 locations. Click to view all United Federal Credit Union locations.