UNITED

P.O. Box 125
Saint Joseph, MI 49085

Phone: 888-982-1400

 

2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 6288
Date Established 1949
Assets $2,676.89 million
Loans $2,429.60 million
Deposits $1,927.25 million
Capital $266.30 million

United is an NCUA insured institution located in Saint Joseph, MI. It was founded in 1949 and has approximately $2676.89 millions in assets.

Who can join?

Membership is offered to anyone who lives, works, worships, or volunteers in any of the 6 states where we have branch locations, plus some areas of neighboring states.

Michigan
Arkansas
Nevada
North Carolina
Ohio
Indiana
Eastern Oklahoma

You may qualify for membership if you are an immediate family member* of a current UFCU member or work for a company that is affiliated with the credit union.

*Immediate family members include a spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsiblings or adoptive relationship.

Businesses located in these states qualify for membership: Michigan, Arkansas, Nevada, North Carolina, Indiana, Ohio.

Field of Membership Restrictions

1.Immediate family member of a current Member : Immediate family members include a spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsiblings or adoptive relationship. 2.Work or are retired as pensioners or annuitants from one of our 900+ Corporate Members : A Corporate Member is a company or association who partners with a credit union to enable their employees or members the opportunity to join the credit union. 3.Live, work, worship or attend school in select geographic areas near our branch locations. 4.Business : Businesses located in these states may qualify for membership: Michigan Arkansas Nevada North Carolina Indiana Ohio

Deposit Rates - February 16, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.10% $1,000 $9,999 Learn MoreShow Less
Money Market
0.15% $10,000 $24,999 Learn MoreShow Less
Money Market
0.20% $25,000 $49,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA
0.50% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.10% $500 - Learn MoreShow Less
6 Mo CD
0.25% $500 - Learn MoreShow Less
12 Mo CD
0.50% $500 - Learn MoreShow Less
18 Mo CD
0.65% $500 - Learn MoreShow Less
24 Mo CD
0.75% $500 - Learn MoreShow Less
30 Mo CD
0.75% $500 - Learn MoreShow Less
36 Mo CD
1.00% $500 - Learn MoreShow Less
48 Mo CD
1.30% $500 - Learn MoreShow Less
60 Mo CD
1.50% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.05% $250 $999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1,000 $99,999 Learn MoreShow Less

Loan Rates - February 16, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for UNITED

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.750% 4.750% 0.00 $0 $1,305 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Flagstar Bank
Flagstar Bank
Intro APR
3.490 %
After Intro: 6.240 %
Intro Period: 6 months
$25,000 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to UNITED
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are United branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


United Locations

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Financial Details

United Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of United. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
United U.S. Average
5.23% 5.78

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2018, United had $14,897,714 in non-current loans and $304,087 in owned assets. To cover these potential losses it had $266,300,365 in net worth and $24,422,414 in loans loss reserves. That gives it a Texas Ratio of 5.23%.

Net Worth
United U.S. Average
9.94% 13.21%

United FCU has a net worth of 9.94% versus the BestCashCow average of 13.21. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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*All images, logos and public notes on this page appear courtesy of UNITED and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.