United Federal Credit Union
Headquarters
150 Hilltop Road
St Joseph, MI 49085
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Phone 888-982-1400
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 26, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.05% | $300 | - |
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|
|
Money Market
|
3.50% | $1,000 | $99,999 |
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|
|
Money Market
|
3.75% | $100,000 | $249,999 |
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|
|
Money Market
|
4.00% | $250,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 3 Mo CD
|
0.60% | $500 | - |
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|
| 6 Mo CD
|
1.35% | $500 | - |
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|
| 9 Month Special with Bonus Rate
|
5.25% | $500 | - |
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|
| 12 Month Special with Bonus Rate
|
4.75% | $500 | - |
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|
| 15 Mo CD
|
1.60% | $500 | - |
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|
| 18 Mo CD
|
1.75% | $500 | - |
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|
| 24 Mo CD
|
2.60% | $500 | - |
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|
| 30 Mo CD
|
2.60% | $500 | - |
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|
| 36 Mo CD
|
2.65% | $500 | - |
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|
| 48 Mo CD
|
2.70% | $500 | - |
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|
| 60 Mo CD
|
2.85% | $500 | - |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.10% | $1,000 | $99,999 | Learn More |
| Platinum Plus
|
0.15% | $100,000 | - | Learn More |
Loan Rates - April 26, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2059741 |
7.018% | 6.875% | 0.88 | $4,672 | $2,103 | Learn More |
NMLS ID: 3030 |
7.476% | 7.375% | 1.00 | $3,200 | $2,211 | Learn More |
NMLS ID: Not a Lender |
Learn More | |||||
NMLS ID: 491986 |
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Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
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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:
Columbus,Ohio
Climate Policy and Initiatives
UNITED is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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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