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United Federal Credit Union

Popular Accounts at this Credit Union

2.60%5-year CD55 Month CD Special
3.00%Reward CheckingUltra Checking
2.60%5-year IRA55 Month IRA Special (Traditional, Roth, CESA)

Overview / Commentary
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 86th largest credit union in the nation. It was established in 1949 and as of December of 2017, it had grown to 606 employees and 168,155 members at 34 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 Adds Certificate Specials For The New Year - 1/7/2018

United Federal Credit Union (AR, IN, MI, NV, NC, OH, OK) has a 16-month CD Special (2.00% APY) and 55-month CD Special (2.50% APY). Minimum deposit is $500.

United FCU Unveils Three New Share Certificate Specials - 11/15/2017

United Federal Credit Union (AR/IN/MI/NV/NC/OH/OK) has raised the rate on its 16-month Share Certificate Special (1.75% APY). The minimum deposit is $500.

United FCU Continues Limited-Time Share Certificate Specials - 6/6/2017

United FCU (AR/IN/MI/NV/NC/OH/OK) has added a 13-month Share Certificate Special (1.45% APY). Minimum deposit is $500. Also as an IRA.

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Reviews (2)


I had to add my review to counter other reviews listed, as I truly love banking with these people. I have banked here for many years and found them to thoroughly honest, professional, friendly and very helpful.

I was scammed by a New York company and they stuck with me for over 6 months working with Visa to help straighten it out and get my money back. Friday I took advantage of their current CD special; 16 mo. 1.5%. They allow up to $25,000 for their high interest checking account (1.25 %). They are extremely thorough with security, much more so than others I have experienced. UFCU rocks!

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 Grade Components

NCUA #6288
Year Chartered1949
Primary Regulator
Profit Margin
Return on Assets - YTD0.96%
Return on Equity - YTD9.84%
Annual Interest Income$117.3MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$2.60B$2.25B
LoansQ4 2017vs Q4 2016$2.37B$2.02B
DepositsQ4 2017vs Q4 2016$1.83B$1.58B
Equity CapitalQ4 2017vs Q4 2016$250.2MM$226.1MM
Loan Loss AllowanceQ4 2017vs Q4 2016$23.9MM$19.0MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$20.4MM$13.8MM
Real Estate OwnedQ4 2017vs Q4 2016$151.00K$114.00K
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Always verify rates and promotions with the bank or credit union. We are not United Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

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

0.40%*$250k*-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 - $250k
0.15%*$25k*-IRA Money Market Account
OTHER TIERS: 0.05% $250 - $10k | 0.10% $10k - $25k

United Federal Credit Union Checking Account Rates

3.00%*-$15kUltra Checking
OTHER TIERS: 0.10% $15k+
0.15%*$100k*-Platinum Plus Checking
OTHER TIERS: 0.05% $1k - $25k | 0.10% $25k - $100k

United Federal Credit Union CD Rates

2.60%$500-55 Month CD Special
2.10%$500-19 Month Certificate Special
1.60%$500-11 Month Certificate Special
1.50%$500-60 Month Share CD
1.30%$500-48 - 59 Month Share CD
1.00%$500-36 - 47 Month Share CD
0.75%$500-24 - 35 Month Share CD
0.68%$500$1m36 Month Bump Up CD
0.65%$500-18 - 23 Month Share CD
0.50%$500-12 - 17 Month Share CD
0.25%$500-6 - 11 Month Share CD
0.20%$2,500$250k12 Month Liquid CD
0.10%$500-3 - 5 Month Share CD

United Federal Credit Union IRA Rates

2.60%$500-55 Month IRA Special
2.10%$500-19 Month IRA Certificate Special
1.50%$500-60 Month IRA
1.30%$500-48 - 59 Month IRA
1.00%$500-36 - 47 Month IRA
0.75%$500-24 - 35 Month IRA
0.65%$500-18 - 23 Month IRA
0.50%$500-12 - 17 Month IRA
0.25%$500-6 - 11 Month IRA
0.10%$500-3 - 5 Month IRA


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