Lending

When it's time to buy a car, move into a new home, consolidate your debt or simply handle everyday expenses, United Financial Credit Union can provide the money you need. Our loan programs offer low rates, flexible terms and convenient application options to fit your schedule. You can apply for a loan in person, over the phone, or online.

Auto Loans

Drive away with a low-rate Auto Loan!

United Financial Credit Union offers competitive financing for new and used autos, motorcycles and recreational vehicles. If you're in the market for a new or used vehicle, we can help. Our auto loans offer competitive rates and convenient payment terms.

You can also take advantage of our Dealer Indirect options - and have your loan paperwork prepared right at the dealership. See a complete list of our Indirect Dealers

Boats, Personal Watercraft, RVs, Motorcycle, Snowmobile

Were you born to be free, or what? A Recreational Vehicle loan from United Financial can make your dreams come true. So, whether you're traveling the country on your new motorcycle, taking the family for a camping trip in your new RV, or living it up on your new boat or snowmobile - you'll definitely want to get great financing from United Financial first. We offer low rates, and easy repayment terms - with 100% financing.

See a complete list of our Indirect Dealers

NADA pricing index

Personal

Our Personal Loan program supports today's active lifestyles. Whether you're consolidating bills, shopping for a home computer or planning a vacation; our personal loan program may fit your needs.

Qualified applicants can borrow from $1,000 up to $15,000 with comfortable repayment terms.

Platinum Rewards MasterCard

You will earn points with every purchase ($1 = 1 point) that you can redeem for cash, gift cards, merchandise, or travel. Our rewards program has more than 6 million redemption options to choose from – check out what’s available here.

In addition to the great rewards you can earn with the United Financial ATIRAcredit MasterCard, you will also enjoy a credit card program with:
• NO Annual Fee
• NO Balance Transfer Fees
• 24/7 Member Service
• Zero Liability Fraud Protection
• And, much more!
With acceptance at over 26 million locations world-wide, your United Financial ATIRAcredit MasterCard will take you wherever you want to go!

If you don’t currently have a United Financial credit card today, APPLY NOW and you can enjoy 2x reward points on purchases you make in the first 60 days!

Any questions please call 989-777-3620 ext. 4

Home Equity Line of Credit

Your home can help pay for a new kitchen, a new roof, college tuition, an unforgettable vacation or whatever you need. A Home Equity Line of Credit provides unique advantages including:

Very competitive rates
A possible tax deduction for your interest payments (consult your tax advisor)
Generous credit limits
and more!

Here's a simple formula for figuring your available equity: S.E.V. x 2 x 80% - 1st mortgage = EQUITY.

Mortgages

Your most important investment is in good hands here are United Financial.

Our mortgage programs offer:

Balloon and fixed rates
1st and 2nd mortgages
Construction Loans
Vacant Land Loans
FHA & Rural Development Loans

Contact our Mortgage Department for more information on a mortgage to fit your needs.

Step Forward: Michigan's Hardest Hit Program
Through A Step Forward: MHA designed programs to help homeowners who have had a financial hardship. This website is the fastest way for homeowners to submit an application for assistance.

What you need to know to keep your home in tough economic times. Get the answers and resources you need to solve your mortgage problems with the Right at Home video and website. You can access the videos here or visit our Lending Department for a DVD.

Quick Cash Line of Credit

Set up your line of credit and relax knowing you have money available any time. Use this convenient line of credit as overdraft protection for your checking account or you can access cash in a variety of ways:

In person at any United Financial branch
By calling US 24 Telephone Teller
Online through Virtual Branch

Student Loans

With the recently enacted Health Care and Education Affordability Reconciliation Act of 2010 (H.R. 4872), the Federal Family Educational Loan (FFEL) Program has been eliminated. Private lenders, like United Financial Credit Union no longer have a role in originating or funding federal Stafford, PLUS or Consolidation loans. Beginning July 1, 2010 all new federal student loans will be issued via the William D. Ford Direct Loan Program. Contact your school's financial aid office for more information.

For questions or service related to an existing Federal Family Educational Loan secured through United Financial Credit Union, contact our chosen service, Great Lakes at 1.800.236.4300 or at www.mygreatlakes.org.

Insurance

Proof of Insurance Coverage

Have you been asked to provide proof of insurance coverage for a new or existing loan? Simply enter your policy information online and allow us to verify your coverage and update our records as required in your loan agreement. Enter policy information here.

Protection Packages

United Financial is proud to offer Life and Disability Insurance for your loans at the Credit Union. Giving you peace of mind if something were to happen, your loan should be taken care of.

You can also add GAP Insurance (Guaranteed Asset Protection) or Mechanical Repair Coverage (MRC) to your auto loan.
GAP is a low-cost coverage that pays the potentially high-cost difference between your insurance settlement and your loan balance on items directly related to the purchase of your vehicle.
MRC helps pay for covered repairs on your car when the unexpected breakdown occurs.