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United Financial Credit Union (MI)


Overview / Commentary
www.unitedfinancialcu.org
989-715-4283
4685 State St
Saginaw, MI 48603

United Financial Credit Union (MI) is headquartered in Saginaw and is the 57th largest credit union in the state of Michigan. It is also the 959th largest credit union in the nation. It was established in 1964 and as of December of 2021, it had grown to 50 employees and 22,420 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, work, or worship in any county in Michigan's Lower Peninsula.
See current membership details

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Reviews (1)

Not A Credit Union I Would Reccommend...

Posted by: |

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.

1


Health
A

Data as of Q4 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #61657
Year Chartered1964
Employees50
Primary Regulator
Profit Margin
Return on Assets - YTD0.91%
Return on Equity - YTD9.74%
Annual Interest Income$8.8MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$311.9MM$268.5MM
LoansQ4 2021vs Q4 2020$180.4MM$167.1MM
DepositsQ4 2021vs Q4 2020$282.7MM$240.0MM
Equity CapitalQ4 2021vs Q4 2020$28.6MM$27.8MM
Loan Loss AllowanceQ4 2021vs Q4 2020$802.00K$764.00K
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$1.5MM$925.00K
Real Estate OwnedQ4 2021vs Q4 2020$35.00K$138.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$100k*-Health Savings Account
OTHER TIERS: 0.10% → $100 - $2k | 0.25% → $2k - $10k | 0.50% → $10k - $50k | 0.75% → $50k - $100k
0.25%*$100k*-IRA Account
OTHER TIERS: 0.05% → $100 - $2k | 0.10% → $2k - $10k | 0.15% → $10k - $50k | 0.20% → $50k - $100k
0.22%--Grand Account
0.22%--Business Grand Account
0.05%--Savings Plus
0.05%--Special Savings
0.05%--Christmas Club
0.05%--Vacation Club
0.05%--Business Savings Plus
0.05%--Business Special Savings

United Financial Credit Union (MI) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$500k*-Money Maker PLUS Savings
OTHER TIERS: 0.15% → $5k - $50k | 0.20% → $50k - $100k | 0.25% → $100k+
0.30%*$500k*-Business Money Maker PLUS Savings
OTHER TIERS: 0.15% → $5k - $50k | 0.20% → $50k - $100k | 0.25% → $100k+
0.23%*$100k*-Money Maker Savings
OTHER TIERS: 0.03% → $100 - $2.5k | 0.08% → $2.5k - $25k | 0.13% → $25k - $50k | 0.18% → $50k - $100k
0.23%*$100k*-Business Money Maker Savings
OTHER TIERS: 0.03% → $100 - $2.5k | 0.08% → $2.5k - $25k | 0.13% → $25k - $50k | 0.18% → $50k - $100k

United Financial Credit Union (MI) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%-$10kUFirst Cash Rewards Checking - Qualifying
0.25%*$100k*-Business PLUS Checking
OTHER TIERS: 0.15% → $20k - $75k | 0.20% → $75k - $100k
0.20%*$100k*-Business Checking
OTHER TIERS: 0.05% → $2.5k - $25k | 0.10% → $25k - $50k | 0.15% → $50k - $100k

United Financial Credit Union (MI) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$100$2k6 Month Youth CD
3.50%-$5k6 Month 4H or FFA CD
1.25%$500$100k60 Month CD
1.25%$500$100kBusiness 60 Month CD
1.10%$500$100k48 Month CD
1.10%$500$100kBusiness 48 Month CD
0.90%$500$100k36 Month Safe Parking CD
0.90%$500$100kBusiness 36 Month Safe Parking CD
0.75%$500$100k24 Month CD
0.75%$500$100kBusiness 24 Month CD
0.70%$500$100k18 Month CD
0.70%$500$100k20 Month Step Up CD
0.70%$500$100kBusiness 18 Month CD
0.70%$500$100kBusiness 20 Month Step Up CD
0.60%$500$100k12 Month CD
0.60%$25$100k12 Month Save to Win CD
0.60%$500$100kBusiness 12 Month CD
0.55%$500$100k6 Month CD
0.55%$500$100kBusiness 6 Month CD

United Financial Credit Union (MI) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$100$2k6 Month Youth IRA
3.50%-$5k6 Month 4H/FFA IRA
1.25%$500$100k60 Month IRA
1.10%$500$100k48 Month IRA
0.90%$500$100k36 Month Safe Parking IRA
0.75%$500$100k24 Month IRA
0.70%$500$100k18 Month IRA
0.70%$500$100k20 Month Step Up IRA
0.60%$500$100k12 Month IRA
0.60%$25-12 month Save to Win IRA
0.55%$500$100k6 Month IRA
Locations


United Financial Credit Union (MI) Locations
Branch Office7600 Midland RdFreeland, MI 48623
Branch Office1026 W Midland RdAUBURN, MI 48611
Branch Office5658 DIXIE HWYSAGINAW, MI 48601
Branch Office2510 Weiss StSaginaw, MI 48602
Branch Office4685 State StSaginaw, MI 48603
Branch Office1720 Brady StChesaning, MI 48616
Branch Office6354 Westside Saginaw RdBay City, MI 48706-9394

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