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United Financial Credit Union (MI)


Overview / Commentary
www.unitedfinancialcu.org
989-642-0145
4685 State St
Saginaw, MI 48603

United Financial Credit Union (MI) is headquartered in Saginaw and is the 57th largest credit union in the state of Michigan. It is also the 987th largest credit union in the nation. It was established in 1964 and as of September of 2020, it had grown to 45 employees and 21,127 members at 6 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, 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
A

Data as of Q3 2020

Learn why bank health matters

Health Grade Components

Overall
NCUA #61657
Year Chartered1964
Employees45
Primary Regulator
Profit Margin
Return on Assets - YTD0.92%
Return on Equity - YTD8.81%
Annual Interest Income$6.5MM
Assets and Liabilities
AssetsQ3 2020vs Q3 2019$260.1MM$228.0MM
LoansQ3 2020vs Q3 2019$165.1MM$150.0MM
DepositsQ3 2020vs Q3 2019$230.7MM$201.5MM
Equity CapitalQ3 2020vs Q3 2019$27.1MM$24.0MM
Loan Loss AllowanceQ3 2020vs Q3 2019$753.00K$758.00K
Unbacked Noncurrent LoansQ3 2020vs Q3 2019$544.00K$369.00K
Real Estate OwnedQ3 2020vs Q3 2019$138.00K$59.00K
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%--Grand Account
0.25%*$100k*-IRA Account
OTHER TIERS: 0.05% → $100 - $2k | 0.10% → $2k - $10k | 0.15% → $10k - $50k | 0.20% → $50k - $100k
0.25%--Business Grand Account
0.05%--Savings Plus
0.05%--Special Savings
0.05%--Christmas Club
0.05%--Vacation Club
0.05%--Business Savings Plus
0.05%--Business Special Savings

United Financial Credit Union (MI) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$100k*-Money Maker Savings
OTHER TIERS: 0.05% → $100 - $2.5k | 0.10% → $2.5k - $25k | 0.15% → $25k - $50k | 0.20% → $50k - $100k
0.25%*$100k*-Money Maker PLUS Savings
OTHER TIERS: 0.15% → $5k - $50k | 0.20% → $50k - $100k
0.25%*$100k*-Business Money Maker PLUS Savings
OTHER TIERS: 0.15% → $5k - $50k | 0.20% → $50k - $100k
0.25%*$100k*-Business Money Maker Savings
OTHER TIERS: 0.05% → $100 - $2.5k | 0.10% → $2.5k - $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
0.25%*$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
3.50%-$5k6 Month 4H or FFA CD
2.50%$100$2k6 Month Youth CD
1.00%$500$100k60 Month CD
1.00%$500$100kBusiness 60 Month CD
1.00%$500-39 Month Double Step-Up CD
1.00%$500-Business 39 Month Double Step-Up CD
0.85%$500$100k48 Month CD
0.85%$500$100kBusiness 48 Month CD
0.75%$500$100k36 Month Safe Parking CD
0.75%$500$100kBusiness 36 Month Safe Parking CD
0.65%$500$100k24 Month CD
0.65%$500$100kBusiness 24 Month CD
0.60%$500$100k18 Month CD
0.60%$500$100k20 Month Step Up CD
0.60%$500$100kBusiness 18 Month CD
0.60%$500$100kBusiness 20 Month Step Up CD
0.55%$500$100k12 Month CD
0.55%$25$100k12 Month Save to Win CD
0.55%$500$100kBusiness 12 Month CD
0.45%$500$100k6 Month CD
0.45%$500$100kBusiness 6 Month CD

United Financial Credit Union (MI) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%-$5k6 Month 4H/FFA IRA
2.50%$100$2k6 Month Youth IRA
1.00%$500$100k60 Month IRA
1.00%$500-39 Month Double Step-Up IRA
0.85%$500$100k48 Month IRA
0.75%$500$100k36 Month Safe Parking IRA
0.65%$500$100k24 Month IRA
0.60%$500$100k18 Month IRA
0.60%$500$100k20 Month Step Up IRA
0.55%$500$100k12 Month IRA
0.55%$25-12 month Save to Win IRA
0.45%$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

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