United Financial Credit Union (MI)
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 3.00% | Reward Checking | 2.15% - National Average |
| 2.90% | 5-year CD | 3.10% - Barclays 60 Month Online CD |
| 1.00% | 1-year CD | 2.75% - Barclays 12 Month Online CD |
United Financial Credit Union (MI) is headquartered in Saginaw and is the 54th largest credit union in the state of Michigan. It is also the 1,010th largest credit union in the nation. It was established in 1964 and as of December of 2018, it had grown to 59 employees and 24,957 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
Related Posts
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.
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 61657 |
| Year Chartered | 1964 |
| Employees | 59 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.78% |
| Return on Equity - YTD | 7.71% |
| Annual Interest Income | $7.3MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $216.2MM$207.8MM |
| Loans | Q4 2018vs Q4 2017 | $140.2MM$133.5MM |
| Deposits | Q4 2018vs Q4 2017 | $193.9MM$187.1MM |
| Equity Capital | Q4 2018vs Q4 2017 | $21.5MM$20.2MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $1.0MM$1.2MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $806.00K$734.00K |
| Real Estate Owned | Q4 2018vs Q4 2017 | $99.00K$113.00K |
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
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 3.00% | - | $10k | UFirst 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 5.00% | - | $5k | 6 Month 4H/FFA CD | |
| 3.00% | $500 | $100k | 60 Month CD w/Direct Rewards | |
| 2.90% | $500 | $100k | 60 Month CD | |
| 2.70% | $5k | - | 22 Month CD | |
| 2.70% | $500 | - | 22 Month CD Special | |
| 2.40% | $500 | - | 13 Month CD Special | |
| 1.80% | $500 | $100k | 24 Month CD w/Direct Rewards | |
| 1.75% | $500 | $100k | 18 Month CD w/Direct Rewards | |
| 1.75% | $500 | $100k | 36 Month Safe Parking CD w/Direct Rewards | |
| 1.70% | $500 | $100k | 24 Month CD | |
| 1.70% | $500 | $100k | 48 Month CD w/Direct Rewards | |
| 1.65% | $500 | $100k | 18 Month CD | |
| 1.65% | $500 | $100k | 36 Month Safe Parking CD | |
| 1.60% | $500 | $100k | 48 Month CD | |
| 1.50% | $100 | $2k | 6 Month Youth CD | |
| 1.30% | $500 | $100k | 20 Month Step Up CD w/Direct Rewards | |
| 1.20% | $500 | $100k | 20 Month Step Up CD | |
| 1.10% | $500 | $100k | 12 Month CD w/Direct Rewards | |
| 1.00% | $500 | $100k | 12 Month CD | |
| 1.00% | $500 | $100k | 30 Month CD w/Direct Rewards | |
| 1.00% | $25 | $100k | 12 month Save to Win CD | |
| 0.90% | $500 | $100k | 30 Month CD | |
| 0.30% | $500 | $100k | 6 Month CD w/Direct Rewards | |
| 0.25% | $500 | $100k | 3 Month CD w/Direct Rewards | |
| 0.20% | $500 | $100k | 6 Month CD | |
| 0.15% | $500 | $100k | 3 Month CD |
United Financial Credit Union (MI) IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 5.00% | - | $5k | 6 Month 4H/FFA IRA | |
| 3.00% | $500 | $100k | 60 Month IRA w/Direct Rewards | |
| 2.90% | $500 | $100k | 60 Month IRA | |
| 2.70% | $5k | - | 22 Month IRA | |
| 1.80% | $500 | $100k | 24 Month IRA w/Direct Rewards | |
| 1.75% | $500 | $100k | 18 Month IRA w/Direct Rewards | |
| 1.75% | $500 | $100k | 36 Month Safe Parking IRA w/Direct Rewards | |
| 1.70% | $500 | $100k | 24 Month IRA | |
| 1.70% | $500 | $100k | 48 Month IRA w/Direct Rewards | |
| 1.65% | $500 | $100k | 18 Month IRA | |
| 1.65% | $500 | $100k | 36 Month Safe Parking IRA | |
| 1.60% | $500 | $100k | 48 Month IRA | |
| 1.50% | $100 | $2k | 6 Month Youth IRA | |
| 1.30% | $500 | - | 20 Month Step Up IRA w/Direct Rewards | |
| 1.20% | $500 | $100k | 20 Month Step Up IRA | |
| 1.10% | $500 | $100k | 12 Month IRA w/Direct Rewards | |
| 1.00% | $500 | $100k | 12 Month IRA | |
| 1.00% | $500 | $100k | 30 Month IRA w/Direct Rewards | |
| 0.90% | $500 | $100k | 30 Month IRA | |
| 0.30% | $500 | $100k | 6 Month IRA w/Direct Rewards | |
| 0.25% | $500 | $100k | 3 Month IRA w/Direct Rewards | |
| 0.20% | $500 | $100k | 6 Month IRA | |
| 0.15% | $500 | $100k | 3 Month IRA |
| United Financial Credit Union (MI) Locations | ||
|---|---|---|
| Branch Office | 7600 MIDLAND RD | FREELAND, MI 48623 |
| Branch Office | 4716 GARFIELD RD | AUBURN, MI 48611 |
| Branch Office | 5658 DIXIE HWY | SAGINAW, MI 48601 |
| Branch Office | 2510 Weiss St | Saginaw, MI 48602 |
| Branch Office | 4685 STATE ST | SAGINAW, MI 48603 |
| Branch Office | 4685 State St | Saginaw, MI 48603 |
| Branch Office | 1720 Brady St | Chesaning, MI 48616 |