United Financial Credit Union (MI) is headquartered in Saginaw and is the 56th largest credit union in the state of Michigan. It is also the 968th largest credit union in the nation. It was established in 1964 and as of June of 2023, it had grown to 53 employees and 22,667 members at 7 locations. United Financial Credit Union (MI)'s CD rates are 4X the national average, and it has a B+ health rating.
Membership in United Financial Credit Union is open to those who live, work, or worship in any county in Michigan's Lower Peninsula. Family members of a current United Financial Credit Union member also qualify for membership.
See current membership details
I have worked with a couple different banks and credit unions and I have to say this one has me the least impressed. For instance, I can go through the State street location and get my cashiers checks through the drive thru but when I go to the Weiss location I am told that I am not supposed to do that. No one is on the same page which makes things confusing. I have my kids with me when I go which is why i prefer the drive thru. However, why should one location have a different policy then another that is only 5 miles away from each other? Also, I have had multipul issues with their online banking. They have site problems about once a month and I have had to call 3 times due to my account not letting me log in. And the last time it took me 2 days to get a response from anyone. That is not acceptable. In my workplace if I failed to call back a customer for 2 days, I would most likely lose their business. Which is something I am currently looking into doing.
Overall | |
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NCUA # | 61657 |
Year Chartered | 1964 |
Employees | 53 |
Primary Regulator |
Profit Margin | |
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Return on Assets - YTD | 0.57% |
Return on Equity - YTD | 8.14% |
Annual Interest Income | $5.5MM |
Assets and Liabilities | ||
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Assets | Q2 2023vs Q2 2022 | $321.6MM$314.3MM |
Loans | Q2 2023vs Q2 2022 | $193.9MM$182.8MM |
Deposits | Q2 2023vs Q2 2022 | $298.5MM$291.0MM |
Equity Capital | Q2 2023vs Q2 2022 | $22.5MM$22.8MM |
Loan Loss Allowance | Q2 2023vs Q2 2022 | $0$746.00K |
Unbacked Noncurrent Loans | Q2 2023vs Q2 2022 | $1.2MM$1.2MM |
Real Estate Owned | Q2 2023vs Q2 2022 | $0$0 |
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
United Financial Credit Union (MI) Locations | ||
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Branch Office | 1720 Brady St | Chesaning, MI 48616 |
Branch Office | 7600 Midland Rd | Freeland, MI 48623 |
Branch Office | 1026 W Midland Rd | AUBURN, MI 48611 |
Branch Office | 5658 DIXIE HWY | SAGINAW, MI 48601 |
Branch Office | 2510 Weiss St | Saginaw, MI 48602 |
Branch Office | 4685 State St | Saginaw, MI 48603 |
Branch Office | 6354 Westside Saginaw Rd | Bay City, MI 48706-9394 |