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% 5.55% →
1-Year CD 4.75% 5.60% →
2-Year CD 2.60% 4.90% →
5-Year CD 2.85% 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

United is an NCUA insured institution located in St Joseph, MI. It was founded in 1949 and has approximately $3853.9 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 $3,853.90 million
Loans $2,965.22 million
Deposits $3,201.86 million
Capital $432.17 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 - April 21, 2024

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
SAV
0.05% $300 - Learn More
Money Market
3.50% $1,000 $99,999 Learn More
Money Market
3.75% $100,000 $249,999 Learn More
Money Market
4.00% $250,000 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.60% $500 - Learn More
6 Mo CD
1.35% $500 - Learn More
9 Month Special with Bonus Rate
5.25% $500 - Learn More
12 Month Special with Bonus Rate
4.75% $500 - Learn More
15 Mo CD
1.60% $500 - Learn More
18 Mo CD
1.75% $500 - Learn More
24 Mo CD
2.60% $500 - Learn More
30 Mo CD
2.60% $500 - Learn More
36 Mo CD
2.65% $500 - Learn More
48 Mo CD
2.70% $500 - Learn More
60 Mo CD
2.85% $500 - Learn More
Int Checking Rates APY MIN MAX
INTCK
0.10% $1,000 $99,999 Learn MoreShow Less
Platinum Plus
0.15% $100,000 - Learn MoreShow Less

Loan Rates - April 21, 2024

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 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Tomo Mortgage, LLC.
NMLS ID: 2059741
6.994% 6.875% 0.63 $3,901 $2,103 Learn More
Rocket Mortgage
NMLS ID: 3030
7.451% 7.375% 0.75 $2,400 $2,211 Learn More
MortgageResearch.com
NMLS ID: Not a Lender
Learn More
Veterans United Home Loans
NMLS ID: 1907
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.490 %
$0 Learn More
More Info

Note to United
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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 Policy and Initiatives

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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
8.28% 6.97

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 December 31, 2023, United had $35,785,005 in non-current loans and $1,928,754 in owned assets. To cover these potential losses it had $432,173,574 in net worth and $23,106,823 in loans loss reserves. That gives it a Texas Ratio of 8.28%.

Net Worth
United U.S. Average
11.18% 13.62%

United FCU has a net worth of 11.18% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



Customer Reviews for United

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