United Financial Credit Union (MI)
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 1.01% | Reward Checking | Direct Rewards Checking 1.83% - National Average |
| 2.00% | 5-year CD | 60 Month CD 2.35% - Synchrony Bank 60 Month CD |
| 0.15% | 1-year CD | 12 month Save to Win CD 1.40% - Synchrony Bank 12 Month CD |
United Financial Credit Union (MI) is headquartered in Saginaw and is the 54th largest credit union in the state of Michigan. It is also the 1,015th largest credit union in the nation. It was established in 1964 and as of March of 2017, it had grown to 44 employees and 19,921 members at 7 locations. United Financial Credit Union (MI) has an A health rating.
Field of Membership Restrictions
Membership in United Financial Credit Union is open to those who live, worship or work in Bay, Saginaw, or Midland Counties in Michigan.
See current membership details
Related Posts
Not A Credit Union I Would Reccommend...
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.
Data as of Q1 2017
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 61657 |
| Year Chartered | 1964 |
| Employees | 44 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | -0.07% |
| Return on Equity - YTD | -0.75% |
| Annual Interest Income | $1.6MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2017vs Q1 2016 | $204.9MM$191.4MM |
| Loans | Q1 2017vs Q1 2016 | $123.7MM$115.6MM |
| Deposits | Q1 2017vs Q1 2016 | $185.3MM$172.6MM |
| Equity Capital | Q1 2017vs Q1 2016 | $19.3MM$18.4MM |
| Loan Loss Allowance | Q1 2017vs Q1 2016 | $1.0MM$953.00K |
| Unbacked Noncurrent Loans | Q1 2017vs Q1 2016 | $603.00K$1.3MM |
| Real Estate Owned | Q1 2017vs Q1 2016 | $0$207.00K |
Always verify rates and promotions with the bank or credit union. We are not United Financial Credit Union (MI); 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.
United Financial Credit Union (MI) Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.00%* | $100k* | - | Health Savings Account | ||
| OTHER TIERS: 1.00% → $100 - $2k | 1.25% → $2k - $10k | 1.50% → $10k - $50k | 1.75% → $50k - $100k | |||||
| 0.25%* | $100k* | - | Traditional IRA Account | ||
| OTHER TIERS: 0.05% → $100 - $2k | 0.10% → $2k - $10k | 0.15% → $10k - $50k | 0.20% → $50k - $100k | |||||
| 0.10% | - | - | Grand Account | ||
| 0.05% | - | - | Savings Plus | ||
| 0.05% | - | - | Special Savings | ||
| 0.05% | - | - | Christmas Club | ||
| 0.05% | - | - | Vacation Club | ||
United Financial Credit Union (MI) Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.25%* | $100k* | - | Money Maker Savings | ||
| OTHER TIERS: 0.05% → $100 - $2,500 | 0.10% → $2,500 - $25k | 0.15% → $25k - $50k | 0.20% → $50k - $100k | |||||
United Financial Credit Union (MI) Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.01%* | - | $25k | Direct Rewards Checking - Qualifying | ||
| OTHER TIERS: 0.05% → $25k+ | |||||
| 0.20%* | $100k* | - | Share Draft Checking | ||
| OTHER TIERS: 0.05% → $2,500 - $25k | 0.10% → $25k - $50k | 0.15% → $50k - $100k | |||||
United Financial Credit Union (MI) CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 5.00% | - | $100k | 6 Month 4H CD | |
| 2.10% | $500 | $100k | 60 Month CD w/Direct Rewards | |
| 2.00% | $500 | $100k | 60 Month CD | |
| 1.60% | $500 | $100k | 48 Month CD w/Direct Rewards | |
| 1.50% | $500 | $100k | 48 Month CD | |
| 1.20% | $500 | $100k | 20 Month Step Up CD | |
| 1.01% | $100 | $2k | 6 Month Youth CD | |
| 1.00% | $500 | $100k | 36 Month Safe Parking CD w/Direct Rewards | |
| 0.90% | $500 | $100k | 36 Month Safe Parking CD | |
| 0.90% | $500 | $100k | 30 Month CD w/Direct Rewards | |
| 0.80% | $500 | $100k | 30 Month CD | |
| 0.80% | $500 | $100k | 24 Month CD w/Direct Rewards | |
| 0.75% | $500 | - | 10 Month CD Summer Special | |
| 0.70% | $500 | $100k | 24 Month CD | |
| 0.35% | $500 | $100k | 18 Month CD w/Direct Rewards | |
| 0.25% | $500 | $100k | 18 Month CD | |
| 0.25% | $500 | $100k | 12 Month CD w/Direct Rewards | |
| 0.20% | $500 | $100k | 6 Month CD w/Direct Rewards | |
| 0.15% | $500 | $100k | 12 Month CD | |
| 0.15% | $500 | $100k | 3 Month CD w/Direct Rewards | |
| 0.15% | $500 | $100k | 12 month Save to Win CD | |
| 0.10% | $500 | $100k | 6 Month CD | |
| 0.05% | $500 | $100k | 3 Month CD |
United Financial Credit Union (MI) IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 5.00% | - | - | 6 Month 4H IRA | |
| 2.10% | $500 | $100k | 60 Month IRA w/Direct Rewards | |
| 2.00% | $500 | $100k | 60 Month IRA | |
| 1.60% | $500 | $100k | 48 Month IRA w/Direct Rewards | |
| 1.50% | $500 | $100k | 48 Month IRA | |
| 1.20% | $500 | $100k | 20 Month Step Up IRA | |
| 1.01% | $100 | $2k | 6 Month Youth IRA | |
| 1.00% | $500 | $100k | 36 Month Safe Parking IRA w/Direct Rewards | |
| 0.90% | $500 | $100k | 30 Month IRA w/Direct Rewards | |
| 0.90% | $500 | $100k | 36 Month Safe Parking IRA | |
| 0.80% | $500 | $100k | 24 Month IRA w/Direct Rewards | |
| 0.80% | $500 | $100k | 30 Month IRA | |
| 0.75% | $500 | - | 10 Month IRA Summer Special | |
| 0.70% | $500 | $100k | 24 Month IRA | |
| 0.35% | $500 | $100k | 18 Month IRA w/Direct Rewards | |
| 0.25% | $500 | $100k | 12 Month IRA w/Direct Rewards | |
| 0.25% | $500 | $100k | 18 Month IRA | |
| 0.20% | $500 | $100k | 6 Month IRA w/Direct Rewards | |
| 0.15% | $500 | $100k | 3 Month IRA w/Direct Rewards | |
| 0.15% | $500 | $100k | 12 Month IRA | |
| 0.15% | $25 | - | 12 month Save to Win IRA | |
| 0.10% | $500 | $100k | 6 Month IRA | |
| 0.05% | $500 | $100k | 3 Month IRA |
| United Financial Credit Union (MI) Locations | ||
|---|---|---|
| Branch Office | 7600 MIDLAND RD | FREELAND, MI 48623 |
| Branch Office | 4716 GARFIELD 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 | 4685 State St | Saginaw, MI 48603 |
| Branch Office | 1720 Brady St | Chesaning, MI 48616 |