P.O. Box 125
Saint Joseph, MI 49085

Phone 888-982-1400

Notable Rates APY Vs.Others
Savings 0.05% 2.20% →
1-Year CD 0.50% 2.15% →
2-Year CD 0.75% 2.20% →
5-Year CD 1.50% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Credit Union Information

United is an NCUA insured institution located in Saint Joseph, MI. It was founded in 1949 and has approximately $2868.64 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.

North Carolina
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
Charter Number # # 6288
Date Established 1949
Assets $2,868.64 million
Loans $2,484.32 million
Deposits $2,169.10 million
Capital $293.67 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 - February 28, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.50% $1,000 $99,999 Learn MoreShow Less
Fixed IRA
0.50% $500 - Learn MoreShow Less
Special: 13 Mo FIRA
1.60% $500 - Learn MoreShow Less
Special: 25 Mo FIRA
1.75% $500 - Learn MoreShow Less
Special: 55 Mo FIRA
1.90% $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
Special: 13 Mo CD
1.60% $500 - Learn MoreShow Less
18 Mo CD
0.65% $500 - Learn MoreShow Less
24 Mo CD
0.75% $500 - Learn MoreShow Less
Special: 25 Mo CD
1.75% $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
Special: 55 Mo CD
1.90% $500 - Learn MoreShow Less
60 Mo CD
1.50% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
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 28, 2020

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.146% 3.125% 0.25 $665 $1,071 Learn More
Rocket Mortgage
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
5.000 %
$0 Learn More
More Info

Note to UNITED
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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:

United Locations

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
12.24% 5.86

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, 2019, United had $36,758,909 in non-current loans and $2,314,157 in owned assets. To cover these potential losses it had $293,668,922 in net worth and $25,679,435 in loans loss reserves. That gives it a Texas Ratio of 12.24%.

Net Worth
United U.S. Average
10.23% 13.65%

United FCU has a net worth of 10.23% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About United

Branches and Savings

What is United?

A federal credit union, registered with the NCUA under certificate #6288.
Learn more about credit unions here.

Is United FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join United?

Please see Field of Membership information above for information on who is eligible to join.

What are United's share account and share certificate rates?

United's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is United?

United has total capital of $293.67 million. Full information on United's financial position is located above.

Who owns United?

Credit Unions are owned by their members.

Where are United branches located?

See branch locations nearby.

Are United ATMs Open 24/7?

Do United ATMs accept cash deposits?

Can United customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does United have a mobile app?

Does United have mobile deposit?

Does United have quick pay?

How can United transfer money to other banks or credit unions?

Does United report to credit bureaus?

Does United use Chexsystems?

Does United use Equifax?

What is United's toll free phone number?

What is United's ACH Routing Number?

What is United's SWIFT code?

Where can I find United's wire transfer form?

What is the United address for deposits?

What Products Does United Offer

Does United offer mortgages?

Compare mortgage rates here.

Does United offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does United offer auto and RV loans?

Compare auto loan rates here.

Does United offer student loans or personal loans?

Compare personal loan rates here.

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