Join United Financial Credit Union Today!

We are happy to offer membership to anyone that lives, works, worships or attends school within any county in the State of Michigan’s Lower Peninsula. An individual becomes a member of United Financial by opening a Savings account. This is our basic savings program and requires an initial deposit and minimum balance requirement of $25.

Open a new account today and experience the Credit Union Difference!
Mention this offer when you open your new account and receive a $25 Gift Card!*

Let us Save You Money on Your Loan Payment!
Finance a New Loan or Refinance with us and receive $50!**

Easily Access your Money with a Checking Account.
Open a New Checking Account and receive $25!***

*Must show offer at account opening. Some exclusions may apply. Gift Card type will vary based on office. Must be a new United Financial Credit Union account.
** Loan offer – valid on new loans to United Financial Credit Union. Show offer at time of loan application to qualify.
***Checking Offer – valid on new checking accounts with United Financial Credit Union. Show Offer at time of opening new checking.

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Why join United Financial?
United Financial is your trusted financial partner with a wide variety of accounts and services. Membership offers many benefits exclusive to credit unions that can’t be found at a bank! 

What you’ll love about being a member with us:

  • High-interest rates on Savings accounts and Certificates of Deposit
  • Drive Thru with Extended Hours
  • Online Services for easy 24/7 access to your accounts
  • Savings insured up to $250,000!
  • Reward Checking Accounts
  • A variety of discount programs
  • Investment services
  • Low-interest rates on mortgages and auto loans
  • Youth and Teen Accounts
  • Business Services
  • Financial Education Services

How do I Join?
Join United Financial and start reaping the benefits of our membership. Becoming a part of our credit union family has never been easier!


  • You live, work, worship or attend school within any county in the State of Michigan’s Lower Peninsula.
  • You have a family member who already belongs to United Financial.
  • Visit our office to start your new account application or click the button below to start the process online. 


  • Stop into any office and complete our easy application to begin enjoying the benefits of Credit Union membership!

Bay City – Frankenlust Office

Our mission is to build relationships with our members through innovative, friendly, quality service. We provide long-term financial stability to our credit union, our members and their families. 

6354 Westside Saginaw Road (M-84)  Bay City, MI 48706

Days Open Lobby Hours Drive Thru Hours
Monday – Friday 9:00am – 5:00pm 7:00am to 7:00pm
Saturday CLOSED 8:00am to 2:00pm


We are open!!   Make an appointment here

Sam – Branch Manager

Randy – Member Service

Ashley – Teller

Sara – Teller

What are Personal Tellers?

We are excited to bring our members a new teller experience! Our Live Personal Tellers in our Drive-Thru are also open extended hours to be more convenient for you!  Our Drive-Thru is open Monday – Friday 7:00am – 7:00pm and Saturday 8:00am – 2:00pm.

What are Personal Tellers or ITMs?

ITMs are Interactive Teller Machines, we like to call them Live Personal Tellers. Personal Tellers look like an ATM, but looks can be deceiving. With a Personal Teller our members are able to interact, face-to-face with a member of the United Financial team and complete transactions with a live person the same as if they went inside the credit union. Our Contact Center department, which is located at our branch office in Saginaw has been staffed with familiar faces from existing branch locations.

View the progress of our new office!


Have a Question?


Call: 989.777.3620


Email us using the form below

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