United Federal Credit Union

Rated star_ratedstar_ratedstar_ratedstar_ratedstar_normal by Credit Guide
Review based on 12 criteria Rating: 4 out of 5

P.O. Box 125, Saint Joseph, MI 49085-0125

Website

(269) 982-1400

Data Source: NCUA, December 31, 2016


United Federal Credit Union was founded in 1949. Headquartered in Saint Joseph, Michigan, United Federal Credit Union is a federally chartered and federally insured credit union, operating within the regulation of the National Credit Union Association (NCUA) and being insured through the National Credit Union Share Insurance Fund (NCUSIF). United Federal Credit Union is also a member of the Federal Home Loan Bank (FHLB), which allows a credit union to access low cost secured borrowings or advances and prlides its members with financial products and services that assist and enhance the financing of housing and community lending.

As of December 31, 2016, United Federal Credit Union services 154,875 members through its 31 offices and branches and 568 full-time and 10 part-time employees. It has $2,252,297,455 of total assets and $226,448,429 of net worth. Based on its asset size and net worth ratio, United Federal Credit Union is classified as a Well Capitalized large credit union.

United Federal Credit Union offers a number of deposit and loan products to its members. To find out how competitive the offers are, please go to the Interest Rates page. United Federal Credit Union also provides an array of services to its members and local communities. United Federal Credit Union plans to extend its services by adding more branches or service centers in the next 12 month. To find out more, please go to the Services page.

The following two tables list the deplitory and loan interest rates of United Federal Credit Union’s popular offerings. You can find out how competitive the offerings are by comparing them to the median interest rates offered by credit unions in Michigan and in the nation.

Major Deplitory Accounts and Interest Rates (%)

Interest Rate
Median of Michigan
Median of USA
Checking
0.3500
0.0000
0.0000
Savings
0.0600
0.1000
0.1200
Money Market
0.2600
0.2500
0.2500
Certificate Deplit
1.8200
0.6000
0.5800
IRA
1.8600
0.5000
0.5000

Major Loan Accounts and Interest Rates (%)

Interest Rate
Median Rates of Michigan
National Median Rates
Credit Cards
10.4900
9.9600
9.9900
Unsecured Line of Credits
14.2100
11.0000
10.9500
Short-term Small Amount
n/a
18.0000
25.0000
Student Loans
7.5000
6.2300
6.0200
New Car Loans
3.7600
2.9900
3.3300
Used Car Loans
4.8400
3.9900
4.5000
1st Mortgage Real Estates
3.8100
4.2500
4.2500
Other Real Estates
4.7800
4.5000
4.7000

United Federal Credit Union prlides a number of ways to access its services. In addition to its office and branches, a member can perform banking through Internet, phones, ATMs, and mobile devices. The table below lists the electronic banking services prlided by United Federal Credit Union.

Electronic Banking Service Offerings

Membership Application
Yes
Yes
Share Account Transfers
Yes
New Loan Application
Yes
Share Draft Orders
Yes
Yes
New Share Account
Yes
Bill Payment
Yes
No
e-Statements
Yes
Loan Payments
Yes
No
Account Balance Inquiry
Yes
No
Yes
View Account History
Yes
Yes

As a community financial institution, United Federal Credit Union actively involves in local communities by prliding services such as financial counseling, financial education, first tim home buyer programs, and student scholarships.

Community and other Service Offerings

Financial Counselling
Yes
Bilingual Services
Yes
Free Bill Pay
Yes
Financial Education
Yes
In-School Branches
Yes
Free Tax Preparation Service
No
Financial Literacy Workshops
No
Student Scholarships
Yes
Insurance/Investment Sales
Yes
First Time Homebuyer Program
Yes
Alma – Branch 30
630 Highway 71 N
Alma, AR 72921
Phone:888-982-1400

Asheville – Branch 24
1441 Patton Ave
Asheville, NC 28806
Phone:888-982-1400

Benton Harbor – Branch 4
724 E Napier Ave
Benton Harbor, MI 49022-6124
Phone:269-926-7689

Berrien Springs – Branch 6
9097 Us Highway 31
Berrien Springs, MI 49103
Phone:269-471-9732

Bible Way – Branch 15
1170 Bible Way
Reno, NV 89502
Phone:775-329-6673

Buchanan – Branch 9
808 E Front St
Buchanan, MI 49107-1444
Phone:269-695-0116

Carson City North – Branch 26
1350 E William St
Carson City, NV 89701
Phone:775-329-6673

Carson City South – Branch 32
935 Jacks Valley Rd
Carson City, NV 89705
Phone:775-329-6673

Double R – Branch 16
10705 Double R Blvd
Reno, NV 89521
Phone:775-329-6673

Fletcher – Branch 10
3674 Hendersonville Rd
Fletcher, NC 28732-4518
Phone:828-684-4215

Griffith – Branch 23
510 N Broad St
Griffith, IN 46319-2226
Phone:269-982-1400

Hendersonville – Branch 33
101 Jack St
Hendersonville, NC 28792
Phone:888-982-1400

Holland North – Branch 11
12540 Riley St
Holland, MI 49424-8217
Phone:616-355-0093

Holland South – Branch 12
1075 Washington Ave
Holland, MI 49423-5216
Phone:616-355-0093

Jenny Lind – Branch 1
8900 Jenny Lind Rd
Fort Smith, AR 72908-8628
Phone:479-646-0114

Marion East – Branch 13
116 Eastlawn Dr
Marion, OH 43302
Phone:740-838-5281

Marion West – Branch 14
1332 Campbell Rd
Marion, OH 43302
Phone:740-383-5281

Niles – Branch 7
123 Sycamore St
Niles, MI 49120-2244
Phone:269-684-1151

Niles Corporate
2102 S 11th St
Niles, MI 49120-4061
Phone:269-982-1400

Niles South – Branch 8
2100 S 11th St
Niles, MI 49120
Phone:269-684-1151

Northwest – Branch 17
980 Ambassador Dr
Reno, NV 89523
Phone:775-329-6673

Reed High School – Branch 19
1350 Baring Blvd
Sparks, NV 89434
Phone:775-329-6673

Reno S Mccarran – Walmart Supercenter (29)
4855 Kietzke Ln
Reno, NV 89509
Phone:775-329-6673

Reno Summit – Branch 27
13989 S Virginia St
Reno, NV 89511
Phone:777-329-6673

Rogers Avenue – Branch 2
5800 Rogers Ave
Fort Smith, AR 72903-3838
Phone:479-646-0114

Spanish Springs – Branch 31
2432 Wingfield Hills Rd
Sparks, NV 89436-7202
Phone:888-982-1400

Sparks – Branch 18
1430 E Prater Way
Sparks, NV 89434
Phone:775-329-6673

Springdale-walmart Supercenter (28)
4870 Elm Springs Rd
Springdale, AR 72762
Phone:888-982-1400

St Joseph – Branch 22
2819 S State St
Saint Joseph, MI 49085
Phone:269-982-1400

St. Joseph – Corporate Office
Main Office

2807 S State St
Saint Joseph, MI 49085-2454
Phone:269-982-1400

Statesville – Branch 21
209 Turnersburg Hwy
Statesville, NC 28625-2797
Phone:704-873-0238

Stevensville – Branch 5
5611 Cleveland Ave
Stevensville, MI 49127-8612
Phone:269-428-0102

Van Buren North – Branch 3
1924 Fayetteville Rd
Van Buren, AR 72956-6509
Phone:479-474-3728

(269) 982-4718

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  1. Credit Guide Staff
    Credit Guide Staff

    Last Updated on May 30, 2017

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