United Financial Credit Union
Headquarters
P.o. Box 6430
Saginaw, MI 48608
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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 7, 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 |
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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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|
Loan Rates - November 7, 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 |
|---|---|---|---|---|---|---|
NMLS ID: 2262032 License#: RM.804810.000 |
6.391% | 6.250% | 1.00 | $4,800 | $1,971 | Learn More |
NMLS ID: 2578474 |
6.596% | 6.500% | 0.63 | $3,210 | $2,023 | Learn More |
NMLS ID: 1025894 |
6.993% | 6.875% | 1.00 | $3,852 | $2,103 | Learn More |
NMLS ID: 3030 |
7.313% | 7.250% | 0.63 | $2,000 | $2,183 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to United Financial
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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
United Financial Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 230.77 | A | View Lobby Hours | |
| 240.65 | B | View Lobby Hours | |
| 240.65 | C | View Lobby Hours | |
| 246.03 | D | View Lobby Hours | |
| 246.03 | E | View Lobby Hours | |
| 252.92 | F | View Lobby Hours | |
| 258.35 | G | View Lobby Hours |
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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