United Financial Credit Union

Headquarters

P.o. Box 6430
Saginaw, MI 48608
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 5.50% →
1-Year CD 0.80% 4.80% →
2-Year CD 0.90% 4.25% →
5-Year CD 1.35% 4.00% →
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 Financial is an NCUA insured institution located in Saginaw, MI. It was founded in 1964 and has approximately $317.47 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 $317.47 million
Loans $195.35 million
Deposits $291.86 million
Capital $34.17 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 - November 22, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
Premium Money Market Account
0.20% $10,000 $14,999 Learn More
Premium Money Market Account
0.20% $25,000 $34,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.60% $10,000 $14,999 Learn More
6 Mo CD
0.70% $100,000 $199,999 Learn More
12 Mo CD
0.70% $10,000 $14,999 Learn More
12 Mo CD
0.80% $100,000 $199,999 Learn More
18 Mo CD
0.75% $10,000 $14,999 Learn More
18 Mo CD
0.85% $100,000 $199,999 Learn More
24 Mo CD
0.80% $10,000 $14,999 Learn More
24 Mo CD
0.90% $100,000 $199,999 Learn More
36 Mo CD
0.90% $10,000 $14,999 Learn More
36 Mo CD
1.00% $100,000 $199,999 Learn More
48 Mo CD
1.00% $10,000 $14,999 Learn More
48 Mo CD
1.10% $100,000 $199,999 Learn More
60 Mo CD
1.25% $10,000 $14,999 Learn More
60 Mo CD
1.35% $100,000 $199,999 Learn More

Loan Rates - November 22, 2024

Your Current Location: Ohio, OH 43085

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 - Ohio 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Pure Rate Mortgage
NMLS ID: 2578474
6.494% 6.375% 0.88 $4,010 $1,997 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.953% 6.875% 0.63 $2,534 $2,103 Learn More
Rocket Mortgage
NMLS ID: 3030
7.225% 7.125% 1.00 $3,200 $2,156 Learn More
FHAloans.com
NMLS ID: Not a Lender
Learn More

Featured - Ohio 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
Intro APR
7.240 %
After Intro: 7.240 %
$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:
Columbus,Ohio



Climate Policy and Initiatives

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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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
5.16% 5.83

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, 2024, United Financial had $1,654,244 in non-current loans and $148,571 in owned assets. To cover these potential losses it had $34,167,424 in net worth and $779,752 in loans loss reserves. That gives it a Texas Ratio of 5.16%.

Net Worth
United Financial U.S. Average
10.75% 13.93%

United Financial FCU has a net worth of 10.75% versus the BestCashCow average of 13.93. 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 Financial

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