United Financial Credit Union

Rated star_ratedstar_ratedstar_ratedstar_rated_halfstar_normal by Credit Guide
Review based on 12 criteria Rating: 3.5 out of 5

P.O. Box 6430, Saginaw, MI 48608

Website

(989) 777-3620

Data Source: NCUA, December 31, 2016


United Financial Credit Union was founded in 1964. Headquartered in Saginaw, Michigan, United Financial Credit Union is a state chartered and federally insured credit union, being chartered in Michigan and insured through the National Credit Union Share Insurance Fund (NCUSIF). United Financial 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 Financial Credit Union services 19,855 members through its 9 offices and branches and 45 full-time and 18 part-time employees. It has $196,074,621 of total assets and $19,440,948 of net worth. Based on its asset size and net worth ratio, United Financial Credit Union is classified as a Well Capitalized medium large credit union.

United Financial 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 Financial Credit Union also provides an array of services to its members and local communities. United Financial 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 Financial 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
0.0500
0.0000
0.0000
Savings
0.0500
0.1000
0.1200
Money Market
0.1000
0.2500
0.2500
Certificate Deplit
1.0000
0.6000
0.5800
IRA
1.0000
0.5000
0.5000

Major Loan Accounts and Interest Rates (%)

Interest Rate
Median Rates of Michigan
National Median Rates
Credit Cards
n/a
9.9600
9.9900
Unsecured Line of Credits
7.9000
11.0000
10.9500
Short-term Small Amount
n/a
18.0000
25.0000
Student Loans
n/a
6.2300
6.0200
New Car Loans
3.0000
2.9900
3.3300
Used Car Loans
2.7500
3.9900
4.5000
1st Mortgage Real Estates
3.5000
4.2500
4.2500
Other Real Estates
3.0000
4.5000
4.7000

United Financial 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 Financial Credit Union.

Electronic Banking Service Offerings

Membership Application
Yes
Yes
Share Account Transfers
Yes
New Loan Application
No
Share Draft Orders
Yes
Yes
New Share Account
No
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 Financial Credit Union actively involves in local communities by prliding services such as financial education, and first tim home buyer programs.

Community and other Service Offerings

Financial Counselling
No
Bilingual Services
No
Free Bill Pay
Yes
Financial Education
Yes
In-School Branches
No
Free Tax Preparation Service
Yes
Financial Literacy Workshops
No
Student Scholarships
Yes
Insurance/Investment Sales
No
First Time Homebuyer Program
No
United Financial Credit Union
4685 State St
Saginaw, MI 48603
Phone:989-777-3620

United Financial Credit Union
5658 Dixie Hwy
Saginaw, MI 48601
Phone:989-777-3620

United Financial Credit Union
7600 Midland Rd
Freeland, MI 48623
Phone:989-777-3620

United Financial Credit Union
124 3rd St
Chesaning, MI 48616-1065
Phone:989-777-3620

United Financial Credit Union
4716 Garfield Rd
Auburn, MI 48611
Phone:989-777-3620

United Financial Credit Union
Main Office

4685 State St
Saginaw, MI 48603
Phone:989-777-3620

United Financial Credit Union
2510 Weiss St
Saginaw, MI 48602
Phone:989-777-3620

United Financial/dixie Hwy
5658 Dixie Hwy
Saginaw, MI 48601
Phone:989-777-3620

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  1. Credit Guide Staff
    Credit Guide Staff

    Last Updated on May 30, 2017

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