United Federal Credit Union

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 95th largest credit union in the nation. It was established in 1949 and as of December of 2019, it had grown to 674 employees and 177,142 members at 40 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 Carson 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. (Eligibility requirements are posted in the credit union's online application)
See current membership details

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Reviews (5)

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 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 - YTD0.99%
Return on Equity - YTD9.29%
Annual Interest Income$142.0MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$2.88B$2.79B
LoansQ4 2019vs Q4 2018$2.49B$2.53B
DepositsQ4 2019vs Q4 2018$2.21B$2.02B
Equity CapitalQ4 2019vs Q4 2018$307.1MM$277.0MM
Loan Loss AllowanceQ4 2019vs Q4 2018$20.9MM$26.3MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$27.9MM$21.1MM
Real Estate OwnedQ4 2019vs Q4 2018$3.8MM$3.3MM

Rates for United Federal Credit Union are currently being reviewed.



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