United Federal Credit Union

Headquarters

150 Hilltop Road
St Joseph, MI 49085
See all branch locations →

Phone 888-982-1400

Notable Rates APY Vs.Others
Savings 0.05% 0.85% →
1-Year CD 0.30% 0.85% →
2-Year CD 0.40% 0.80% →
5-Year CD 0.80% 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

United is an NCUA insured institution located in St Joseph, MI. It was founded in 1949 and has approximately $3705.11 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.

NCUA Insured Yes / Federally Chartered
Charter Number # # 6288
Date Established 1949
Assets $3,705.11 million
Loans $2,493.64 million
Deposits $3,012.96 million
Capital $347.80 million
 

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 - December 7, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
Money Market
0.50% $2,500 $2,999 Learn More
Money Market
0.50% $10,000 $14,999 Learn More
Premium Money Market Account
0.50% $10,000 $14,999 Learn More
Premium Money Market Account
0.50% $25,000 $34,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.20% $10,000 $14,999 Learn More
6 Mo CD
0.20% $100,000 $199,999 Learn More
12 Mo CD
0.30% $10,000 $14,999 Learn More
12 Mo CD
0.30% $100,000 $199,999 Learn More
18 Mo CD
0.35% $10,000 $14,999 Learn More
18 Mo CD
0.35% $100,000 $199,999 Learn More
24 Mo CD
0.40% $10,000 $14,999 Learn More
24 Mo CD
0.40% $100,000 $199,999 Learn More
30 Mo CD
0.40% $10,000 $14,999 Learn More
30 Mo CD
0.40% $100,000 $199,999 Learn More
36 Mo CD
0.60% $10,000 $14,999 Learn More
36 Mo CD
0.60% $100,000 $199,999 Learn More
48 Mo CD
0.70% $10,000 $14,999 Learn More
48 Mo CD
0.70% $100,000 $199,999 Learn More
60 Mo CD
0.80% $10,000 $14,999 Learn More
60 Mo CD
0.80% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - December 7, 2021

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 2021

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.872% 3.750% 1.00 $3,750 $1,158 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Flagstar Bank-Heloc
Flagstar Bank-Heloc
See Table
4.990 %
$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



Climate Initiatives

UNITED is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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
4.11% 3.79

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, 2021, United had $13,009,080 in non-current loans and $2,853,095 in owned assets. To cover these potential losses it had $347,804,612 in net worth and $38,104,040 in loans loss reserves. That gives it a Texas Ratio of 4.11%.

Net Worth
United U.S. Average
9.38% 12.22%

United FCU has a net worth of 9.38% versus the BestCashCow average of 12.22. 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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