UNITED FINANCIAL

P.O. BOX 6430
Saginaw, MI 48608

Notable Rates APY Vs.Others
Savings 0.05% 2.25% →
1-Year CD 1.40% 2.25% →
2-Year CD 1.90% 2.50% →
5-Year CD 2.40% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Credit Union Information

United Financial is an NCUA insured institution located in Saginaw, MI. It was founded in 1964 and has approximately $231.92 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
Charter Number # # 61657
Date Established 1964
Assets $231.92 million
Loans $147.04 million
Deposits $204.20 million
Capital $23.08 million
 

Field of Membership Restrictions

Membership in United Financial Credit Union is open to those who live, worship or work in Bay, Saginaw, or Midland Counties in Michigan.

Deposit Rates - December 13, 2019

Your Current Location: Washington, WA 98101

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.50% $1,000 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
1.40% $500 $99,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.15% $500 $99,999 Learn MoreShow Less
6 Mo CD
0.20% $500 $99,999 Learn MoreShow Less
1.40% $500 $99,999 Learn MoreShow Less
1.65% $500 $99,999 Learn MoreShow Less
1.90% $500 $99,999 Learn MoreShow Less
30 Mo CD
0.90% $500 $99,999 Learn MoreShow Less
1.80% $500 $99,999 Learn MoreShow Less
2.10% $500 $99,999 Learn MoreShow Less
2.40% $500 $99,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.15% $100 $1,999 Learn MoreShow Less

Loan Rates - December 13, 2019

Your Current Location: Washington, WA 98101

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:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
3.625% 3.625% -0.13 ($222) $1,141 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.034% 4.990% 0.00 $1,250 $1,341 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

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

Note to UNITED FINANCIAL
To upload and update your bank's rates please register. It is free to register and add rates.



Branches

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:
Seattle,Washington


United Financial Locations


Financial Details

United Financial Ratio Analysis

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.

Texas Ratio
United Financial U.S. Average
6.51% 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 Financial had $1,519,791 in non-current loans and $35,910 in owned assets. To cover these potential losses it had $23,075,448 in net worth and $824,818 in loans loss reserves. That gives it a Texas Ratio of 6.51%.

Net Worth
United Financial U.S. Average
9.94% 13.65%

United Financial FCU has a net worth of 9.94% 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 Financial

Branches and Savings

What is United Financial?

A federal credit union, registered with the NCUA under certificate #61657.
Learn more about credit unions here.

Is United Financial 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 Financial?

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

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

United Financial'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 Financial?

United Financial has total capital of $23.08 million. Full information on United Financial's financial position is located above.

Who owns United Financial?

Credit Unions are owned by their members.

Where are United Financial branches located?

See branch locations nearby.

Are United Financial ATMs Open 24/7?

Do United Financial ATMs accept cash deposits?

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

Does United Financial have a mobile app?

Does United Financial have mobile deposit?

Does United Financial have quick pay?

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

Does United Financial report to credit bureaus?

Does United Financial use Chexsystems?

Does United Financial use Equifax?

What is United Financial's toll free phone number?

What is United Financial's ACH Routing Number?

What is United Financial's SWIFT code?

Where can I find United Financial's wire transfer form?

What is the United Financial address for deposits?

What Products Does United Financial Offer

Does United Financial offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does United Financial offer auto and RV loans?

Compare auto loan rates here.

Does United Financial offer student loans or personal loans?

Compare personal loan rates here.

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