There are plenty of reasons why you should work with a community credit union like United Financial instead of handling your finances with a big, national banking chain. Here are just a few of the benefits of membership at a credit union.

We’re Where You Are

Beyond being right in your community, our online and mobile banking services allow us to service your needs no matter where you are! Between classes, on lunch break, or out and about. You don’t even need to live near an account to open an account with us! It can all be done online or from our mobile app. You can still access all the normal banking services you can receive from a branch location, even including making payments and transferring between funds!

Your Money Stays in Your Community

Every investment you make at United Financial empowers others in your community. We collectively use our shared resources to help others as they need it. Honestly, we love it when we’re able to accept a loan request. Why? We know we’re helping someone afford the things they need, and it’s the power of our member’s contributions that allow any of this to happen.

Say Goodbye to Hidden Fees

Ask anyone. Big banks come with lots of fees–some upfront and some hidden. A huge advantage of membership with us is that we’ll never surprise you with a hidden fee. We believe in being completely upfront about your costs, and our fees are even typically lower than most banks! How? It’s because we’re a not-for -profit financial cooperative, and we don’t need to charge fees to help boost our margins for stakeholders all around the country. Our stakeholders are only you and your neighbors here in our state.

Big Enough to Service You, But Small Enough to Still Know You

Being a credit union, we can offer the same financial services any big banking chain can, but we see you as our neighbor–not another account number. Because you know who you are, you may be able to qualify for loans here that other banks would deny you based only on the numbers on their screen. That’s not customer service, that’s following a pre-set algorithm, and it’s not what we’re about. Ample access to financial services empowers everyone in the community and makes us stronger.

Haven’t Joined a Credit Union Yet?

Becoming a member at United Financial Credit Union is simple. If you live, work, worship or attend school within any county in the State of Michigan’s Lower Peninsula, you are eligible to join! You can join online right now!

If you’re an “in-person” kind of person, we have seven locations to serve you in the Great Lakes Bay Region area. And if one of these locations isn’t as close as you’d like, we offer online and mobile banking, so you’re covered either way.