2. United Financial Credit Union (MI)

United Financial Credit Union (MI)

Popular Accounts at this Credit Union

APYACCOUNT TYPEHOW THEY COMPARE
3.00%Reward Checking
2.06% - National Average
2.90%5-year CD
3.10% - Synchrony Bank 60 Month CDAdvertisement
1.00%1-year CD
2.65% - Barclays 12 Month Online CDAdvertisement
View all United Financial Credit Union (MI) rates »

Overview / Commentary
www.unitedfinancialcu.org
989-930-0119
4685 State St
Saginaw, MI 48603

United Financial Credit Union (MI) is headquartered in Saginaw and is the 55th largest credit union in the state of Michigan. It is also the 1,009th largest credit union in the nation. It was established in 1964 and as of June of 2018, it had grown to 57 employees and 24,204 members at 7 locations. United Financial Credit Union (MI)'s money market rates are 25% higher than the national average, and it 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

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Reviews (1)

Not A Credit Union I Would Reccommend...

Posted by: estcharles | Mar 25, 2013

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 Q2 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #61657
Year Chartered1964
Employees57
Primary Regulator
Profit Margin
Return on Assets - YTD0.66%
Return on Equity - YTD6.9%
Annual Interest Income$3.5MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$216.5MM$207.8MM
LoansQ2 2018vs Q2 2017$144.5MM$129.7MM
DepositsQ2 2018vs Q2 2017$192.5MM$185.7MM
Equity CapitalQ2 2018vs Q2 2017$20.5MM$19.6MM
Loan Loss AllowanceQ2 2018vs Q2 2017$1.1MM$1.1MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$746.00K$911.00K
Real Estate OwnedQ2 2018vs Q2 2017$216.00K$22.00K
Rates
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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) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW 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
0.55%*$100k*-IRA Account
OTHER TIERS: 0.15% → $100 - $2k | 0.25% → $2k - $10k | 0.35% → $10k - $50k | 0.45% → $50k - $100k
0.50%--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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%*$100k*-Money Maker Savings
OTHER TIERS: 0.15% → $100 - $2.5k | 0.25% → $2.5k - $25k | 0.35% → $25k - $50k | 0.45% → $50k - $100k

United Financial Credit Union (MI) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%-$10kUFirst Cash Rewards Checking - Qualifying
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
5.00%-$5k6 Month 4H/FFA CD
3.00%$500-60 Month CD Special w/Direct Rewards
2.90%$500$100k60 Month CD Special
2.65%$500-25 Month CD Special w/Direct Rewards
2.55%$500-25 Month CD Special
2.50%$500-16 Month CD Special
2.40%$500-13 Month CD Special
1.80%$500$100k24 Month CD w/Direct Rewards
1.75%$500$100k18 Month CD w/Direct Rewards
1.75%$500$100k36 Month Safe Parking CD w/Direct Rewards
1.70%$500$100k24 Month CD
1.70%$500$100k48 Month CD w/Direct Rewards
1.65%$500$100k18 Month CD
1.65%$500$100k36 Month Safe Parking CD
1.60%$500$100k48 Month CD
1.50%$100$2k6 Month Youth CD
1.30%$500$100k20 Month Step Up CD w/Direct Rewards
1.20%$500$100k20 Month Step Up CD
1.10%$500$100k12 Month CD w/Direct Rewards
1.00%$500$100k12 Month CD
1.00%$500$100k30 Month CD w/Direct Rewards
1.00%$25$100k12 month Save to Win CD
0.90%$500$100k30 Month CD
0.30%$500$100k6 Month CD w/Direct Rewards
0.25%$500$100k3 Month CD w/Direct Rewards
0.20%$500$100k6 Month CD
0.15%$500$100k3 Month CD

United Financial Credit Union (MI) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%-$5k6 Month 4H/FFA IRA
3.00%$500-60 Month IRA Special w/Direct Rewards
2.90%$500$100k60 Month IRA Special
2.55%$500-25 Month IRA Special
2.50%$500-16 Month IRA Special
2.40%$500-13 Month IRA Special
1.80%$500$100k24 Month IRA w/Direct Rewards
1.75%$500$100k18 Month IRA w/Direct Rewards
1.75%$500$100k36 Month Safe Parking IRA w/Direct Rewards
1.70%$500$100k24 Month IRA
1.70%$500$100k48 Month IRA w/Direct Rewards
1.65%$500$100k18 Month IRA
1.65%$500$100k36 Month Safe Parking IRA
1.60%$500$100k48 Month IRA
1.50%$100$2k6 Month Youth IRA
1.30%$500-20 Month Step Up IRA w/Direct Rewards
1.20%$500$100k20 Month Step Up IRA
1.10%$500$100k12 Month IRA w/Direct Rewards
1.00%$500$100k12 Month IRA
1.00%$500$100k30 Month IRA w/Direct Rewards
0.90%$500$100k30 Month IRA
0.30%$500$100k6 Month IRA w/Direct Rewards
0.25%$500$100k3 Month IRA w/Direct Rewards
0.20%$500$100k6 Month IRA
0.15%$500$100k3 Month IRA
Locations


United Financial Credit Union (MI) Locations
Branch Office7600 MIDLAND RDFREELAND, MI 48623
Branch Office4716 GARFIELD RDAUBURN, MI 48611
Branch Office5658 DIXIE HWYSAGINAW, MI 48601
Branch Office2510 Weiss StSaginaw, MI 48602
Branch Office4685 STATE STSAGINAW, MI 48603
Branch Office4685 State StSaginaw, MI 48603
Branch Office1720 Brady StChesaning, MI 48616

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