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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 58th largest credit union in the state of Michigan. It is also the 969th largest credit union in the nation. It was established in 1964 and as of June of 2022, it had grown to 53 employees and 22,262 members at 7 locations. United Financial Credit Union (MI)'s money market rates are 2X 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.
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 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #61657
Year Chartered1964
Employees53
Primary Regulator
Profit Margin
Return on Assets - YTD0.84%
Return on Equity - YTD11.54%
Annual Interest Income$4.5MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$314.3MM$300.0MM
LoansQ2 2022vs Q2 2021$182.8MM$176.3MM
DepositsQ2 2022vs Q2 2021$291.0MM$270.9MM
Equity CapitalQ2 2022vs Q2 2021$22.8MM$28.3MM
Loan Loss AllowanceQ2 2022vs Q2 2021$746.00K$761.00K
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$1.2MM$1.1MM
Real Estate OwnedQ2 2022vs Q2 2021$0$104.00K
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 Special Savings
0.05%--Business Savings

United Financial Credit Union (MI) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%*$500k*-Money Maker PLUS Savings
OTHER TIERS: 0.60% → $5k - $50k | 0.70% → $50k - $100k | 0.80% → $100k+
0.90%*$500k*-Business Money Maker PLUS Savings
OTHER TIERS: 0.60% → $5k - $50k | 0.70% → $50k - $100k | 0.80% → $100k+
0.70%*$100k*-Money Maker Savings
OTHER TIERS: 0.30% → $100 - $2.5k | 0.40% → $2.5k - $25k | 0.50% → $25k - $50k | 0.60% → $50k - $100k
0.70%*$100k*-Business Money Maker Savings
OTHER TIERS: 0.30% → $100 - $2.5k | 0.40% → $2.5k - $25k | 0.50% → $25k - $50k | 0.60% → $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
3.00%$500-30 Month CD Special
3.00%$500-Business 30 Month CD Special
2.50%$500$100k60 Month CD
2.50%$500$100kBusiness 60 Month CD
2.25%$500$100k48 Month CD
2.25%$500$100kBusiness 48 Month CD
2.10%$500-8 Month CD Special
2.10%$500-Business 8 Month CD Special
1.80%$500$100k36 Month Safe Parking CD
1.80%$500$100kBusiness 36 Month Safe Parking CD
1.55%$500$100k24 Month CD
1.55%$500$100kBusiness 24 Month CD
1.50%$500$100k20 Month Step Up CD
1.50%$500$100kBusiness 20 Month Step Up CD
1.35%$500$100k18 Month CD
1.35%$500$100kBusiness 18 Month CD
1.25%$500$100k12 Month CD
1.25%$25$100k12 Month Save to Win CD
1.25%$500$100kBusiness 12 Month CD
1.00%$500$100k6 Month CD
1.00%$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
3.00%$500-30 Month IRA Special
2.50%$500$100k60 Month IRA
2.25%$500$100k48 Month IRA
2.10%$500-8 Month IRA Special
1.80%$500$100k36 Month Safe Parking IRA
1.55%$500$100k24 Month IRA
1.50%$500$100k20 Month Step Up IRA
1.35%$500$100k18 Month IRA
1.25%$500$100k12 Month IRA
1.25%$25-12 month Save to Win IRA
1.00%$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

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.