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Welcome to United Financial

We are proud to welcome you to our credit union family. Please use this as a resource to learn more about your credit union membership.

Below are some of the most frequently asked questions from our new members. If you are looking for additional information, please don’t hesitate to contact us at 989.777.3620 or email our team. We’re happy to help you!

Bank Your Way

Visit us, bank online or even from your smartphone! Our flexible options fit perfectly with your busy life.

Enjoy Amazing Rates

Our flexible, personalized loans are matched only by some of the best rates around! Pay less, enjoy more!

A Beneficial Partnership

Get amazing benefits like free financial education, identity theft protection, insurance discount programs, and perks like discounted tickets to local events!

We want you to get the most out of your new relationship with us, see below for special offers!

Sign up for Online Account Access – Receive $10.00
Open a New Checking Account – Receive $20.00
Finance Another Loan – Receive $30.00


Online account access includes Virtual Branch Online Banking and E-Statements. Checking Account must be new to the credit union. Loan must be new money.

See what our members love about us!

We serve hundreds of families throughout Michigan’s lower peninsula, and they’ve come to enjoy our:

  • High-interest rates on savings accounts and Certificates of Deposit
  • Checking accounts with attractive rewards.
  • Low-interest rates on auto loans and mortgage
  • Professional Wealth Management and Investment Consulting
  • Savings insured up to $250,000!
  • Free financial education and counseling
  • Flexible online and mobile banking options
  • Thousands of surcharge-free ATM locations
  • Extended Drive Thru hours
  • Discounts on Benefits Plus
  • Credit Monitoring with ID Protect
  • Discount programs on insurance and more
  • Discounts on Saginaw Spirit and Great Lakes Loons ticket
  • Notary services
  • Responsible lending practices
  • Conservative investment practices

Banzai Financial Education

Banzai is a financial literacy program that is available to you and your home, for FREE. Experience real-world financial literacy with our courses, articles and calculators.

Learn More →

Benefits Plus

With a Benefits Plus® membership, you will be able to access discounts at over 500 local businesses on everyday purchases.

Learn More →

GreenPath Financial Wellness

Appointments with GreenPath counselors are available to our members. These financial experts can counsel you for debt management, budgeting, improving your credit score and more.

Learn More →

ID Protect*

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)
  • 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
  • Up to $10,000 Identity Fraud Expense Reimbursement Coverage

Learn More →

Discounted Ticket Programs

Purchase your Saginaw Spirit and Great Lakes Loons from us and get a great deal! Tickets available during active seasons at select offices.

Zogo Finance

Zogo teaches you financial literacy through fun and engaging games! Download the free app using code “UFCU” for Apple or Android, or click the link to access their website from a desktop computer!

Learn More →

*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.

Enjoy your membership? Spread the Word!