How Do I Join United Financial?


Join United Financial and start reaping the benefits of our membership. Becoming a part of our credit union family is easy!

  • You live, work or worship in Saginaw County, Bay County, or Midland County, Michigan.
  • You have a family member who already belongs to United Financial
  • You may qualify for membership in other ways – please contact the Credit Union for details

Please bring with you:

  • Driver’s License
  • Social Security Number
  • Social Security Card (if under 17)
  • School Photo ID (if under 17)

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Print an Application Here Buttons---member-appButtons---trust-app

Print a Switch Kit to transfer your Accounts


How Does My Business Join United Financial?

Just stop into any office and complete an application!

Please bring with you:
(only certain items will apply to your business)

  • Driver’s License
  • Social Security Number and/or Employer Identification Number
  • DBA (Doing Business As) paperwork
  • Certified Business Registration Certificate
  • Articles of Incorporation
  • Partnership Papers
  • Tax Exempt Status Papers from IRS
  • Copy of your bylaws and/or minutes

Membership Eligibility

We are happy to offer membership to individuals and businesses in Saginaw, Bay and Midland counties. We can serve many types of businesses including:

  • Sole Proprietorships
  • Corporations
  • Limited Liability Companies
  • Partnerships
  • Unincorporated Organizations
  • Non-Profit Organizations


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents