Benefits of Membership

Benefits Plus | ID Protect | Report Card Rewards | Banzai Financial Education | GreenPath Financial Wellness  | CheckRight | Credit Union Rewards  | Accidental Death & Dismemberment Insurance |Auto & Homeowners Insurance Discounts  | Spirit Ticket Vouchers | Loon Ticket Vouchers| Co-Op ATM Network | Various Other Services

Why Join United Financial?

United Financial Credit Union members love their credit union for many reasons.

  • Friendly personal service
  • Extended Drive Thru Hours
  • Credit card with rewards, no annual fees, low interest rate
  • Direct deposits and wire deposits
  • Free Financial education and counseling services
  • High interest rates on savings accounts and CDs
  • Discount programs {See Below}
  • Investment services
  • Checking Account with no minimum balance requirements
  • Low interest rates on mortgages and vehicle loans
  • Notary services
  • Online and mobile banking
  • Your savings are insured up to $250,000 so you can trust your money is safe and secure.
  • We follow conservative investment practices, lend responsibly and live within our financial means, so you can trust your credit union’s decisions

Benefits Plus


With a Benefits Plus® membership, you will be able to access discounts at over 500 local businesses on everyday purchases. These discounts include auto maintenance, restaurants, salons, and more!  Benefits Plus® also provides full travel services with rebates and cellular phone care coverage; you’ll be surprised how many different ways you can save.
Learn More

If you don’t have a Benefits Plus card enroll now to start saving today! You can enjoy a 90 day Free Trial – after the 90 days there is a monthly fee of $3.95 for this program.

ID Protect


What is Identity Theft?

Identity theft is a crime in which an imposter gains access to another personal information, such as Social Security, credit card numbers, or medical insurance information and uses this information for personal gain. Identity theft might be the result of a lost or stolen purse, stolen mail, documents taken from trash, data breach, computer virus or telephone scam.
Becoming a victim of identity fraud is a frightening, frustrating experience and it can happen to anyone at any time. If you become a victim of identity theft, experts will provide you with professional fraud resolution, helping you document damage and file necessary paperwork. This recovery plan reduces time spent restoring your credit and reputation, and valuable expense reimbursement is offered to help cover eligible expenses related to clearing your name and repairing damaged credit.

Personal checking accounts at United Financial include our identity theft protection service, IDProtect®. You, your family (1), and joint account holders receive the following identity theft protection for a low monthly fee of $1.99.

· Credit Monitoring – daily credit file monitoring and automated alerts of key changes to your Experian, Equifax and TransUnion credit reports (registration/activation required)
· Total Identity Monitoring – continuous monitoring of over 1,000 databases including credit, Social Security, public records, real property records, telephone and many others (registration/activation required)
· 3-in-1 Credit Report – can request new report every 90 days or after receiving credit alert (registration/activation required)
· Credit Score – can request new credit score every 90 days or after receiving credit alert (registration/activation required)
· Fully Managed Identity Theft Resolution Services – access to a dedicated fraud specialist assigned to manage your case who will work with you until your credit and identity are restored
· Identity Theft Recovery Case Plan – to inform you of the recovery process
· Up to $10,000 Identity Fraud Expense Reimbursement Coverage (2)
· Debit and Credit Card Registration (registration/activation required)
· Online Identify Theft News Center and Valuable Phone and Web Resources

If you’re not already taking advantage of this service, contact a United Financial representative to start protecting yourself today!
There’s no substitute for your protection and peace of mind.

Click here to activate your membership.

1 IDProtect service is a personal identity theft protection service available to account owner(s) and their family. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) who are residents of the same household. Service is not available to a “signer” or “beneficiary” of the account who is not an account owner. Service is not available to businesses and their employees, clubs and/or churches and their members, schools and their employees/students.
2 Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of Chartis Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

Report Card Rewards

Did you know you can get paid for earning good grades at school? It’s true!!
Just bring in your report card, show us your grades and we will give you $2.00 for every A and $1.00 for every B.

You can turn in up to 2 report cards per school year and earn up to $10 per report card. Report cards should be from the current marking period. Good for Kindergarten – High School students.

Saginaw Spirit Ticket Vouchers

Purchase your Saginaw Spirit Ticket Vouchers here – $13.00 each. Good for one Upper Level seat at a Home Game. Tickets available during hockey season at select offices.


Loons Ticket Vouchers

Purchase your Loon’s Baseball Ticket Vouchers here – $10.00 each. Good for one reserved box seat at a Home Game. Tickets available during baseball season at select offices.

Banzai Financial Education

United Financial Credit Union is bringing you Banzai, the financial education program used by millions of teachers and students around the country, to you and your home. Experience real-world financial education in a fun, safe way. We want to help you, and your kids, prepare for what comes next. They’re offering Banzai, a financial literacy program designed to teach individuals what real-world finance is really like.

Get Started Today

GreenPath Financial Services

Your Path to a Bright Financial Future Begins Here…

Did you know you have free access to GreenPath’s financial experts to guide you through life’s financial challenges?

GreenPath is a non-profit company that equips people with knowledge and tools to lead financially healthy lives.  They can partner with you to ease financial stress, manage debt, save for the future, make informed financial decisions, and achieve your financial goals.

GreenPath offers personalized assistance with:

  • Budgeting and money management
  • Debt repayment
  • Understanding your credit report and how to improve your score
  • Avoiding bankruptcy, foreclosure and repossession

CALL TOLL- FREE 877-337-3399 TODAY or visit their website



Whether you are looking to open a checking account for the first time or you have had difficulty handling an account in the past, CheckRight is designed to teach you how to manage your checking account. The self-study program allows you to learn at your own pace. Among other things, the program will help you learn how to:

  • Open an account
  • Write Checks
  • Make Deposits
  • Reconcile your account
  • Create a spending plan
  • Begin the program by clicking here.

Credit Union Rewards

Members Save with Love My Credit Union Rewards

Everyone is looking for ways to save money, and that’s just what Love My Credit Union Rewards is all about.

We are excited to offer you, our member, exclusive discounts and benefits on products and services you use every day. Credit union members have already saved over $1 billion with Love My Credit Union Rewards discounts. So along with lower loan rates and fewer fees, here’s another way you can save even more.

  • Members can save on a variety of products and services like TurboTax, wireless service, home security, travel & entertainment and more through Love My Credit Union Rewards.

The more offers you take advantage of, the more you save. Start saving today at



Accidental Death & Dismemberment Insurance

Have you claimed your no-cost accident coverage?

Accidents can happen anytime. Be prepared.

A serious or fatal accident could change your family’s life in a heartbeat. In fact, accidents are the third leading cause of death for people of all ages.*

That’s why you’re entitled to $2,000 of no-cost TruStage® Accidental Death & Dismemberment Insurance—an exclusive member benefit fully paid for by United Financial Credit Union.

You can enroll in your no-cost coverage in just a few minutes. If you choose, additional insurance is available for you or your entire family designed to be at budget-friendly rates. Your acceptance is guaranteed—with no health questions or medical exam.

Since accidents can happen anytime, there’s no better time to help protect the people who matter most.

*Centers for Disease Control and Prevention, National Center for Injury Prevention and Control, 2020
TruStage® Accidental Death & Dismemberment Insurance is made available through TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company, PO Box 61, Waverly, IA 50677‑0061. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. Products and features may vary by state. Base Policy Series E10a-015-2012, E10a-014-2012, E10a-ADD-2012 and 2018-ADD-POL
© TruStage Insurance Agency

TruStage Auto and Homeowners Insurance Discounts

You could save $950 on auto & home insurance

TruStage® Auto & Home Insurance Program

Designed for credit union members like you, the TruStage® Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.

Get your free quote online today or call 1-855-589-2146.

TruStage® Auto & Home Insurance Program is made available through TruStage Insurance Agency, LLC and issued by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverage and limitations. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.
© TruStage Insurance Agency

Co-Op ATM Network


In the co-operative spirit, credit unions have joined together to give members ATM accessibility nationwide! Enjoy the convenience of over 25,000 surcharge free ATMs throughout the united states, simply for being a member. There are over 60 in the tri-city area, alone! Click here to find ATMs in your destination location.


Various Other Services

  • Free Document Shredding
  • Notary Service
  • Coin Counting Machines
  • Safe Deposit Boxes (Auburn & Weiss Office)