United Financial Credit Union (MI)

Overview / Commentary
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 December of 2023, it had grown to 57 employees and 22,767 members at 7 locations. United Financial Credit Union (MI) 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

Reviews (1)

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.


Health Grade Components

NCUA #61657
Year Chartered1964
Primary Regulator
Profit Margin
Return on Assets - YTD0.5%
Return on Equity - YTD6.28%
Annual Interest Income$11.5MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$320.9MM$320.4MM
LoansQ4 2023vs Q4 2022$198.9MM$191.9MM
DepositsQ4 2023vs Q4 2022$294.9MM$298.4MM
Equity CapitalQ4 2023vs Q4 2022$25.2MM$21.4MM
Loan Loss AllowanceQ4 2023vs Q4 2022$769K$780K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$1.8MM$1.6MM
Real Estate OwnedQ4 2023vs Q4 2022$0$86K

Rates for United Financial Credit Union (MI) are currently being reviewed.


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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