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United Financial Credit Union (MI)

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
3.00%Reward CheckingUFirst Cash Rewards Checking - Qualifying
1.92% - National Average
2.10%5-year CD60 Month CD
2.50% - Ally Bank High Yield 5 Year CDAdvertisement
0.25%1-year CD12 month Save to Win CD
2.10% - Goldman Sachs Bank USA High-yield 12 Month CDAdvertisement
View all United Financial Credit Union (MI) rates »

Overview / Commentary
www.unitedfinancialcu.org
989-799-5580
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 1,019th largest credit union in the nation. It was established in 1964 and as of December of 2017, it had grown to 54 employees and 20,408 members at 7 locations. United Financial Credit Union (MI) 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 Q4 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #61657
Year Chartered1964
Employees54
Primary Regulator
Profit Margin
Return on Assets - YTD0.43%
Return on Equity - YTD4.39%
Annual Interest Income$6.6MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$207.8MM$196.1MM
LoansQ4 2017vs Q4 2016$133.5MM$119.9MM
DepositsQ4 2017vs Q4 2016$187.1MM$176.5MM
Equity CapitalQ4 2017vs Q4 2016$20.2MM$19.2MM
Loan Loss AllowanceQ4 2017vs Q4 2016$1.2MM$950.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$734.00K$1.6MM
Real Estate OwnedQ4 2017vs Q4 2016$113.00K$67.00K
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
0.50%--Grand Account
0.25%*$100k*-Traditional 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

United Financial Credit Union (MI) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$100k*-Money Maker Savings
OTHER TIERS: 0.05% → $100 - $2,500 | 0.10% → $2,500 - $25k | 0.15% → $25k - $50k | 0.20% → $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% → $2,500 - $25k | 0.10% → $25k - $50k | 0.15% → $50k - $100k

United Financial Credit Union (MI) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%-$100k6 Month 4H CD
3.00%$100$2k6 Month Youth CD
2.20%$500$100k60 Month CD w/Direct Rewards
2.10%$500$100k60 Month CD
1.75%$500$100k36 Month Safe Parking CD w/Direct Rewards
1.70%$500$100k48 Month CD w/Direct Rewards
1.65%$500$100k36 Month Safe Parking CD
1.60%$500$100k48 Month CD
1.20%$500$100k20 Month Step Up CD
1.00%$500$100k30 Month CD w/Direct Rewards
0.90%$500$100k30 Month CD
0.90%$500$100k24 Month CD w/Direct Rewards
0.80%$500$100k24 Month CD
0.45%$500$100k18 Month CD w/Direct Rewards
0.35%$500$100k18 Month CD
0.35%$500$100k12 Month CD w/Direct Rewards
0.30%$500$100k6 Month CD w/Direct Rewards
0.25%$500$100k12 Month CD
0.25%$500$100k3 Month CD w/Direct Rewards
0.25%$25$100k12 month Save to Win CD
0.20%$500$100k6 Month CD
0.15%$500$100k3 Month CD

United Financial Credit Union (MI) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%--6 Month 4H IRA
3.00%$100$2k6 Month Youth IRA
2.20%$500$100k60 Month IRA w/Direct Rewards
2.10%$500$100k60 Month IRA
1.75%$500$100k36 Month Safe Parking IRA w/Direct Rewards
1.70%$500$100k48 Month IRA w/Direct Rewards
1.65%$500$100k36 Month Safe Parking IRA
1.60%$500$100k48 Month IRA
1.20%$500$100k20 Month Step Up IRA
1.00%$500$100k30 Month IRA w/Direct Rewards
0.90%$500$100k24 Month IRA w/Direct Rewards
0.90%$500$100k30 Month IRA
0.80%$500$100k24 Month IRA
0.45%$500$100k18 Month IRA w/Direct Rewards
0.35%$500$100k12 Month IRA w/Direct Rewards
0.35%$500$100k18 Month IRA
0.30%$500$100k6 Month IRA w/Direct Rewards
0.25%$500$100k3 Month IRA w/Direct Rewards
0.25%$500$100k12 Month IRA
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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