As a college student, there are a lot of choices you need to make as you plan for your future. One of the easiest decisions to make is starting your financial life off right by choosing a credit union for all your banking needs.

Unlike credit unions, banks are for-profit institutions which are designed to make money for their owners and shareholders. Credit unions are nonprofit, and our owners are our members – that means you!

At United Financial, we make decisions based on what will best benefit our members, and not some independent stockholders.

Secure and Safe
Credit unions are just as safe as banks when it comes to managing your money. With United Financial, your savings are federally insured to at least $250,000 and backed by the full faith and credit of the National Credit Union Administration, a U.S. government agency.

Higher Savings Rates
The whole reason you put your hard earned-money into a savings account is to earn interest while it’s tucked away. Help your emergency fund grow by depositing it into one of our savings accounts.

Did you know that credit unions outperform banks nationwide when it comes to savings interest rates? Your money will work harder with us. Bankrate, for example, found that an average 5-year CD at banks paid .85% while the National Association of Credit Unions reported an average of 1.55% for credit unions.

Lower Fees
We aren’t here to bog you down with fees on overdrafts, checking account fees, and the like. Banks may like to waste time nickeling and diming people, but we have better priorities.

Member Service
We provide the kind of member service that banks just can’t manage. Our friendly staff are always available to help you through your banking needs with a smile. We’re large enough to take care of your financial needs but small enough to know your name. Every one of our members matters to us. We’ll give the same quality of service no matter the size of your account.

We’re With You Wherever You Go!
Just because you’ve moved out of your home town and into a college dorm doesn’t mean you have to switch credit unions! Check out all the ways we can help you manage your money remotely.

Join a Credit Union Today
United Financial Credit Union makes joining simple. If you live or work in Bay, Midland, or Saginaw County–you are eligible to join! In fact, you can join online!

Call us at 989-777-3620 or email us at with any questions you may have.