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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 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.

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. Family members of a current United Financial Credit Union member also qualify for membership.
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
B+

Data as of Q2 2023

Learn why bank health matters

Health Grade Components

Overall
NCUA #61657
Year Chartered1964
Employees53
Primary Regulator
Profit Margin
Return on Assets - YTD0.57%
Return on Equity - YTD8.14%
Annual Interest Income$5.5MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$321.6MM$314.3MM
LoansQ2 2023vs Q2 2022$193.9MM$182.8MM
DepositsQ2 2023vs Q2 2022$298.5MM$291.0MM
Equity CapitalQ2 2023vs Q2 2022$22.5MM$22.8MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$746.00K
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$1.2MM$1.2MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0
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
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
0.05%--Savings Plus
0.05%--Special Savings
0.05%--Christmas Club
0.05%--Vacation Club
0.05%--Business Special Savings
0.05%--Business Savings

United Financial Credit Union (MI) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.15%*$500k*-Money Maker PLUS Savings
OTHER TIERS: 1.10% → $1k - $50k | 2.10% → $50k - $100k | 3.00% → $100k - $500k
1.20%*$100k*-Money Maker Savings
OTHER TIERS: 0.80% → $100 - $2.5k | 0.90% → $2.5k - $25k | 1.00% → $25k - $50k | 1.10% → $50k - $100k
1.15%*$500k*-Business Money Maker PLUS Savings
OTHER TIERS: 0.85% → $1k - $50k | 0.95% → $50k - $100k | 1.05% → $100k - $500k
0.95%*$100k*-Business Money Maker Savings
OTHER TIERS: 0.55% → $100 - $2.5k | 0.65% → $2.5k - $25k | 0.75% → $25k - $50k | 0.85% → $50k - $100k

United Financial Credit Union (MI) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%-$10kUFirst Cash Rewards Checking
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
5.10%-$5k6 Month 4H or FFA CD
5.00%$100$2k6 Month Youth CD
5.00%$500$250k26 Month Special - New Money
5.00%$500$250kBusiness 26 Month Special - New Money
4.75%$500$250k26 Month Special
4.75%$500$250kBusiness 26 Month Special
4.00%$500$100k36 Month Safe Parking CD
4.00%$500$100k48 Month CD
4.00%$500$100k60 Month CD
4.00%$500$100kBusiness 36 Month Safe Parking CD
4.00%$500$100kBusiness 48 Month CD
4.00%$500$100kBusiness 60 Month CD
3.60%$250-18 Month Hometown Hero CD Specials
3.55%$500$100k24 Month CD
3.55%$500$100kBusiness 24 Month CD
3.50%$500$100k20 Month Step Up CD
3.50%$500$100kBusiness 20 Month Step Up CD
3.40%$250-6 Month Hometown Hero CD Specials
3.35%$500$100k18 Month CD
3.35%$500$100kBusiness 18 Month CD
3.25%$500$100k12 Month CD
3.25%$25$100k12 Month Save to Win CD
3.25%$500$100kBusiness 12 Month CD
3.15%$500$100k6 Month CD
3.15%$500$100kBusiness 6 Month CD

United Financial Credit Union (MI) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.10%-$5k6 Month 4H/FFA IRA
4.00%$500$100k36 Month Safe Parking IRA
4.00%$500$100k48 Month IRA
4.00%$500$100k60 Month IRA
3.55%$500$100k24 Month IRA
3.50%$500$100k20 Month Step Up IRA
3.35%$500$100k18 Month IRA
3.25%$500$100k12 Month IRA
3.25%$25-12 month Save to Win IRA
3.15%$500$100k6 Month IRA
Locations


United Financial Credit Union (MI) Locations
Branch Office1720 Brady StChesaning, MI 48616
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 Office6354 Westside Saginaw RdBay City, MI 48706-9394

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