P.o. Box 6430
Saginaw, MI 48608
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ACH 272477241
United Financial is an NCUA insured institution located in Saginaw, MI. It was founded in 1964 and has approximately $350.26 millions in assets.
Who can join?
If you live, work or worship in Saginaw County, Bay County, or Midland County, Michigan, you can join.
Additionally, if a family member already belongs to United Financial, you eligible for membership.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 61657 |
| Date Established | 1964 |
| Assets | $350.26 million |
| Loans | $214.02 million |
| Deposits | $316.65 million |
| Capital | $37.61 million |
Your Current Location: Hawaii, HI
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.10% | $2,500 | $2,999 |
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|
|
Money Market
|
0.10% | $10,000 | $14,999 |
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|
|
Money Market
|
0.15% | $25,000 | $29,999 |
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|
|
Premium Money Market Account
|
0.20% | $10,000 | $14,999 |
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|
|
Premium Money Market Account
|
0.20% | $25,000 | $34,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.25% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.35% | $100,000 | $199,999 |
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|
Your Current Location: Hawaii, HI
There are currently no loan rates available for United Financial
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Note to United Financial
To upload and update your bank's rates please register.
It is free to register and add rates.
Below are United Financial 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:
Lahaina,Hawaii
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 4140.80 | A | View Lobby Hours | |
| 4149.78 | B | View Lobby Hours | |
| 4153.07 | C | View Lobby Hours | |
| 4153.07 | D | View Lobby Hours | |
| 4153.46 | E | View Lobby Hours | |
| 4157.09 | F | View Lobby Hours | |
| 4157.09 | G | View Lobby Hours |
UNITED FINANCIAL 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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The following ratios and data are available to help you better understand the financial condition of United Financial. 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.
| United Financial | U.S. Average |
|---|---|
| 14.90% | 6.78 |
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 December 31, 2025, United Financial had $5,718,669 in non-current loans and $1,000 in owned assets. To cover these potential losses it had $37,606,688 in net worth and $779,752 in loans loss reserves. That gives it a Texas Ratio of 14.90%.
| United Financial | U.S. Average |
|---|---|
| 10.74% | 14.48% |
United Financial FCU has a net worth of 10.74% versus the BestCashCow average of 14.48. 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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Last Update on October 3, 2026
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