United Financial Credit Union

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A short history of United Financial CU

Since its inception in 1964 the United Financial Credit Union has been serving its members in the SAGINAW, Michigan area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by BARBARA APPOLD, the United Financial CU has grown its membership to over 20,106 with assets of more than $207,819,555. They have a main office and 8 branch offices. Please see the credit unions website or contact them by phone at (989) 777-3620 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in SAGINAW, MI.

General Information For United Financial CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 61657
Address P.O. BOX 6430 
State Michigan 
Zip-Code 48608
Phone Number (989) 777-3620
Fax Number () -
Email Address: none
Members 20,106 
Full-Time Employees 48 
Part-Time Employees 15 
Number of Branch Offices
Total Assets 207,819,555 
Website http://unitedfinancialcu.org 

Compare United Financial Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Family First CU Freeland Office 6900 Midland Rd 48623 (989) 695-5144 No 0.37
Generations Family CU VA Hospital 1500 Weiss St 48605 (989) 793-1970 No 0.52
Team One CU SAGINAW MAIN 520 HAYDEN ST 48606 (989) 754-6575 No 0.98
Saginaw County Employees CU Saginaw County Employees Credit Union 1700 Court St 48602 (989) 793-9188 No 1.25
Wanigas CU Bagley Main Office 1837 Bagley St 48601 (989) 759-5780 No 1.34

United Financial Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

United Financial Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate N/A 2.75 3.00 3.50 4.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions N/A 115 92 72 100
Rank Among All Michigan Credit Unions N/A 28 24 10 15

United Financial Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.05 0.05 0.10 1.00 1.00
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 125 143 134 174 158
Rank Among All Michigan Credit Unions 15 19 30 35 26
United Financial Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 0.00000
All Other Unsecured Loans/Lines of Credit 14.9003,1668,474,910
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.7503226,251,632
Used Vehicle Loans 3.0002,90826,617,583
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.5001,00868,639,178
Total Other Real Estate Loans/Lines of Credit 4.0001312,303,933
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 3.0001,21717,386,481
TOTAL LOANS & LEASES 8,752129,673,717

United Financial Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 18014,397,455272,698,140
    b. 15 Years or less 25410,724,261252,024,688
    a. > 15 years 35729,620,535494,585,132
    b. 15 Years or less 21713,896,92700
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 11223,1273134,888
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 1202,080,80614560,300
Open-End Fixed Rate 0000
TOTALS 1,13970,943,11111810,003,148


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

United Financial Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes