United Federal Credit Union


Overview / Commentary
888-982-1400
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 113th largest credit union in the nation. It was established in 1949 and as of June of 2024, it had grown to 706 employees and 203,010 members at 47 locations. United Federal Credit Union's money market rates are 3X the national average, and it has an A 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

Reviews (3)

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.

INCOMPETENT TIMEWASTERS

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.



Health

Health Grade Components

Overall
NCUA #6288
Year Chartered1949
Employees706
Primary Regulator
Profit Margin
Return on Assets - YTD0.6%
Return on Equity - YTD6.6%
Annual Interest Income$96.2MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$4.1B$3.91B
LoansQ2 2024vs Q2 2023$3.04B$2.99B
DepositsQ2 2024vs Q2 2023$3.45B$3.25B
Equity CapitalQ2 2024vs Q2 2023$365.3MM$316.8MM
Loan Loss AllowanceQ2 2024vs Q2 2023$37.1MM$39MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$18.5MM$18.8MM
Real Estate OwnedQ2 2024vs Q2 2023$237K$620K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$25k*-Health Savings Account
OTHER TIERS: 0.25% $0 - $1k | 0.50% $1k - $10k | 0.75% $10k - $25k
0.10%$0-Achiever Savings
0.05%$0-Youth Savings
0.05%$0-Holiday Club
0.05%$300-Membership Savings

United Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%*$0$10kUltra Checking
OTHER TIERS: 0.10% $10k+

United Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$500-9 Month CD Special w/ Ultra Checking
3.90%$500-9 Month CD Special
3.60%$500$1m36 Month Bump-Up CD w/ Ultra Checking
3.50%$500$1m36 Month Bump Up CD
3.50%$500-16 Month CD Special w/ Ultra Checking
3.40%$500-16 Month 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$500-9 Month IRA Special w/ Ultra Checking
3.90%$500-9 Month IRA Special
3.50%$500-16 Month IRA Special w/ Ultra Checking
3.40%$500-16 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
Locations

Availability



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