United Federal Credit Union

Overview / Commentary
150 Hilltop Rd
Saint Joseph, MI 49085

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 December of 2023, it had grown to 677 employees and 184,950 members at 46 locations. United Federal Credit Union's money market rates are 3X the national average, and it has a B+ 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

Related Posts

Ultra Checking Now 5% - 7/16/2023

Cap $10k. Open to everyone with American Consumer Council membership.

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Reviews (8)

Great Place To Bank & Good Rates

Always prompt, pleasant, couteous response to questions! UFCU pays interest on checking, ALL checking actions can be done online, they even cover cost of (5?) ATM transactions at other banks. Great place to bank!


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!

My experience with UFCU

My local United Federal Credit Union has been very helpful with my needs. I have both a checking and a savings account with them and I have for about ten years. I have never had to pay any fees associated with these accounts which has been very nice. Additionally, the building is clean and beautiful and the staff are friendly. I have gone to them with many different questions and they have always been helpful. There is also at times a promotion to open a new account with the credit union so I have referred my friends to this place as well. The staff are amazing and friendly and knowledgeable. When I was younger I took advantage of their youth savings account which offered a higher interest rate for young patrons. When I lost my debit card they replaced it, free of charge. Overall I have been very pleased with my experience with this credit union. I would highly recommend.

Horrible Bank

Posted by: |

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.


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.

Horrible Hidden Fees! Rip Off!

Posted by: |

Beware of "FORCED INSURANCE" .. look it up! 10 times the normal rate and they are teamed up with the insurance company. One person passes you off to the other. Do not return calls and apply these high rates to your loan AND THEN CHARGE YOU INTEREST!! They do not tell you this! Their scamming type wording in your loan agreement cover them. DO NOT USE THIS BANK EVER!!! TOTAL SCAM FEES!! EXCUSE AFTER EXCUSE AND RUDE!

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 - YTD0.77%
Return on Equity - YTD8.48%
Annual Interest Income$175.8MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$3.85B$3.91B
LoansQ4 2023vs Q4 2022$2.97B$2.95B
DepositsQ4 2023vs Q4 2022$3.2B$3.3B
Equity CapitalQ4 2023vs Q4 2022$351.2MM$319.7MM
Loan Loss AllowanceQ4 2023vs Q4 2022$37MM$23.1MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$21.3MM$29.6MM
Real Estate OwnedQ4 2023vs Q4 2022$104K$480K
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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

1.00%*$25k*-Health Savings Account
OTHER TIERS: 0.25% Up to $1k | 0.50% $1k - $10k | 0.75% $10k - $25k
0.10%--Achiever Savings
0.05%--Youth Savings
0.05%--Holiday Club
0.05%$300-Membership Savings

United Federal Credit Union Money Market Rates

4.00%*$250k*-Elevate Money Market w/ Ultra Checking
OTHER TIERS: 3.50% $1k - $100k | 3.75% $100k - $250k
1.50%*$250k*-Elevate Money Market
OTHER TIERS: 1.00% $1k - $100k | 1.25% $100k - $250k
0.40%$1k-Bonus Builder Money Market w/ Checking
0.30%*$250k*-IRA Money Market Account
OTHER TIERS: 0.10% $1k - $100k | 0.20% $100k - $250k
0.15%$1k-Bonus Builder Money Market

United Federal Credit Union Checking Account Rates

4.95%*-$10kUltra Checking
OTHER TIERS: 0.10% $10k+

United Federal Credit Union CD Rates

5.10%$500-6 Month CD Special w/ Ultra Checking
5.00%$500-6 Month CD Special
4.85%$500-16 Month CD Special w/ Ultra Checking
4.75%$500-16 Month CD Special
4.35%$500-23 Month CD Special w/ Ultra Checking
4.25%$500-23 Month CD Special
3.85%$500-36 Month Bump-Up CD Special w/ Ultra Checking
3.75%$500-36 Month Bump Up CD Special
2.85%$500-60 Month Share CD w/ Ultra Checking
2.75%$500-60 Month Share CD
2.75%$500-24-35 Month Share CD w/ Ultra Checking
2.70%$500-48-59 Month Share CD w/ Ultra Checking
2.65%$500-24-35 Month Share CD
2.65%$500-36-47 Month Share CD w/ Ultra Checking
2.60%$500-48-59 Month Share CD
2.60%$500-18-23 Month Share CD w/ Ultra Checking
2.55%$500-36-47 Month Share CD
2.50%$500-18-23 Month Share CD
2.35%$500-12-17 Month Share CD w/ Ultra Checking
2.25%$500-12-17 Month Share CD
2.25%$2.5k$250k12 Month Liquid CD w/ Ultra Checking
2.15%$2.5k$250k12 Month Liquid CD
1.60%$500-6-11 Month Share CD w/ Ultra Checking
1.50%$500-6-11 Month Share CD
1.10%$500-3-5 Month Share CD w/ Ultra Checking
1.00%$500-3-5 Month Share CD

United Federal Credit Union IRA Rates

5.10%$500-6 Month IRA Special w/ Ultra Checking
5.00%$500-6 Month IRA Special
4.85%$500-16 Month IRA Special w/ Ultra Checking
4.75%$500-16 Month IRA Special
4.35%$500-23 Month IRA Special w/ Ultra Checking
4.25%$500-23 Month IRA Special
2.85%$500-60 Month IRA w/ Ultra Checking
2.75%$500-60 Month IRA
2.75%$500-24-35 Month IRA w/ Ultra Checking
2.70%$500-48-59 Month IRA w/ Ultra Checking
2.65%$500-24-35 Month IRA
2.65%$500-36-47 Month IRA w/ Ultra Checking
2.60%$500-48-59 Month IRA
2.60%$500-18-23 Month IRA w/ Ultra Checking
2.55%$500-36-47 Month IRA
2.50%$500-18-23 Month IRA
2.35%$500-12-17 Month IRA w/ Ultra Checking
2.25%$500-12-17 Month IRA
1.60%$500-6-11 Month IRA w/ Ultra Checking
1.50%$500-6-11 Month IRA
1.10%$500-3-5 Month IRA w/ Ultra Checking
1.00%$500-3-5 Month IRA


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