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Benefits of Membership  
       
 

 

What Is A Credit Union?
A credit union is a cooperative not-for-profit financial institution, owned and operated by members who use its services. Credit unions serve groups that share something in common, such as where they live, work, or worship.

Click here to find out if you qualify!

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Why Belong to United Financial Credit Union?
Our members are our shareholders... our assets! So, profits aren't returned to a few stockholders, like some financial institutions, but are given back to ALL members in the form of higher savings returns and lower loan rates.

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Free Checking
One of our more popular services among members is our free checking. Check out the advantages of having a United Financial checking account!

• NO Monthly Fees
• NO Minimum Balance Requirements
• NO Per-Check Charges
• Fifty FREE Checks*
• FREE Checks for Seniors
• Duplicate Copy Checks
• Debit/ATM Card Access
• FREE Monthly Statement
• U.S. 24 Telephone Teller
• Access Accounts with United Financial Virtual Branch

Click here to find out more!

*First check order from United Financial. New accounts only.

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No Surcharge Debit/ATM Card
Free use of United Financial machines at either offices for cash withdrawals or deposits.No surcharges at other credit union machines displaying the CU ATM Alliance decal.

Accepted anyplace that takes MasterCard.
Debit card purchases deducted automatically from checking.
Save time and money without having to write checks.
Accepted Worldwide at ATMs displaying the NYCE logo or at any MasterCard merchant.

Click here for more info.

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United Financial Virtual Branch--Online Banking
A United Financial branch is now as close as your PC or laptop! Sign up for United Financial Virtual Branch today and start managing your account from virtually anywhere! See your balances, account history, or transfer funds between accounts...anytime of day! Contact a staff member for more information.

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Myccinfo.com
Check out your United Financial MasterCard information online. Managing your credit card activity is much easier with this online service..and it's free to use! Click on myccinfo.com from our United Financial homepage.

NOW AVAILABLE...AutoPay for MasterCard Payments
Pay your United Financial MasterCard from your account every month with our new autopay service. You can designate a minimum monthly payment, a lump sum, or the balance to be paid in full each month. Sign up today.

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Open End Lending Program
Apply for a loan at United Financial and you'll only need to fill out one loan application from now on...even if you need the loan in the distant future. We'll keep your application on file, but will need a recent pay stub. Just give a call and we can process your request without having you fill out a loan application every time you apply. We've simplified our process! *Contact a loan officer about lending criteria and Open End loans available.

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Promotions
Periodically, United Financial runs special promotions on a variety of products and services. These can save you time and money! Whether it's a great CD or loan rate, or highlighting one of our products or services, you'll want to take advantage of our promotions!

Click here to see our latest promotions!

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Cool Kids Club
This special club is for kids 13 years or younger. Saving at a young age is important and United Financial wants to help make it easier by providing fun incentives for your child(ren) to save! Any member of your family is eligible to join if you are already a member of United Financial. Saving when you're young is smart!

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How Do I Join United Financial?
Join United Financial and start reaping the Benefits of our membership. Becoming a part of our credit union family is easy! There are several ways you may qualify for membership including these:

• You reside, are employed, or worship in   Saginaw County, Bay County, or Midland   County, Michigan.
• You have a family member who already   belongs to United Financial.
• You are a retiree.
•Your organization currently sponsors United Financial   membership for its group.
Find your   organization here. (If not, ask your employer   if they would like to take advantage of this free   fringe benefit.)

Application, Download. Application can be mailed, faxed or delivered to United Financial.


Click here for contact info
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      Your Savings Federally insured to at least $100,000 and backed by the full faith and credit of the U.S. Government. National Credit Union Administration, a U.S Government Agency.    
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