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!

Online Services

Use your computer or mobile phone to access your United Financial account information! It’s totally FREE and is accessible 24 hours, 7 days a week!

Enroll in Virtual Branch Online Banking below. Once you enroll you can also sign up to receive electronic statements, pay your bills with Net Pay and download our mobile app.

What can I do on Virtual Branch?

  • Check your account balances
  • Account transfers – transfer money between your accounts or transfer money to another account at United Financial Credit Union 
  • Make a loan payment on your account.   
  • Set up external transfers to accounts you may have at other financial institutions.
  • Change your address
  • Sign up for E-Mail Alerts
  • Pay your bills with Net Pay
  • View your statements

Convenient Services

  • United Financial Credit Union Routing Number is 272477241
  • Saturday and Extended Hours
  • HSA Savings Accounts
  • Virtual Branch Home Banking
  • Mobile Banking with Check Deposit
  • Online Bill Payment and Payroll options
  • US 24 Telephone Teller
  • Debit/ATM cards
  • Night Deposits
  • Notary Public Service
  • Wire Services
  • Coin Counting
  • Safe Deposit Boxes

United Financial is a trusted financial partner – not only for your family but for your business as well. With a wide variety of accounts and services, you can keep things running smoothly today and plan for a bigger, better tomorrow. And with friendly, local service from our expert staff, you can enjoy the personal attention you deserve.

Membership Benefits

United Financial is your trusted financial partner with a wide variety of accounts and services. Membership offers many benefits exclusive to credit unions that can’t be found at a bank!

What you’ll love about being a member with us:


Lending Options

When it’s time to buy a car, move into a new home, consolidate your debt or simply handle everyday expenses, United Financial Credit Union can provide the money you need. Our loan programs offer low rates, flexible terms and convenient application options to fit your schedule. You can apply for a loan in person, over the phone, or online.

Mortgage Loans | Auto Loans

Additional Member Benefits

Benefits Plus – Local and National discounts on travel, amusement parks, restaurants and so much more

Love My Credit Union Rewards – We are excited to offer you, our member, exclusive discounts and benefits on products and services you use every day.

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


Identity Theft Protection Service

  • Comprehensive Identity Theft Resolution Services
  • Online Identity Theft News Center and Valuable Phone and Web Resources (Registration/activation required.)
  • Total Identity Monitoring
  • 3-in-1 Credit File Monitoring
  • 3-in-1 Credit Report
  • Credit Score
  • Identity Theft Expense Reimbursement Coverage

Investment Options

Investing your money makes sense (and dollars). Take a fresh look at your finances and consider how your money can make money for you. Prepare for retirement or the ever-rising expense of sending your children to college. Investing wisely today will provide you and your family with a better tomorrow. 

Invest Here | Financial Advice