Credit union · NCUA insured
United Federal Credit Union
A $4.4B credit union, the 109th largest of 4,329, headquartered in St. Joseph, MI, with 190,895 members and 43 branches in 7 states. Best rates: CDs 4.10% and savings 0.10% APY.
United Federal Credit Union Carrot Score
75
Carrot Score
Higher than 38% of U.S. banks and credit unions
#8 of 11 in Niles, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About United Federal Credit Union
United Federal Credit Union was founded in 1949 by five employees at the Whirlpool manufacturing plant in St. Joseph, Michigan.
- Headquarters
- 150 Hilltop Rd, St. Joseph, MI 49085-2381
- NCUA charter
- 6288
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership opportunities are provided through partnership with the American Consumer Council (ACC).
Cost to join
- A Membership Savings account is required for membership at United, with a minimum opening deposit of $5.
Branches
43 branches in 7 states
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Michigan
16 branches
Niles area · 11
- Benton Harbor - Branch 4724 E Napier Ave, Benton Harbor, MI 49022Directions
- Berrien Springs - Branch 69097 US Highway 31, Berrien Springs, MI 49103Directions
- Bridgman - Branch 434509 Lake St, Bridgman, MI 49106Directions
- Buchanan - Branch 9808 E Front St, Buchanan, MI 49107Directions
- Coloma - Branch 44167 N Paw Paw St, Coloma, MI 49038Directions
- New Buffalo Loan Office207 N Whittaker St Ste B, New Buffalo, MI 49117Directions
- Niles North - Branch 7123 Sycamore St, Niles, MI 49120Directions
- Niles South - Branch 82100 S 11th St, Niles, MI 49120Directions
- St Joseph Loan Office1111 Main St Ste B, St. Joseph, MI 49085Directions
- State Street St Joseph - Branch 222819 S State St, St. Joseph, MI 49085Directions
- Stevensville - Branch 55611 Cleveland Ave, Stevensville, MI 49127Directions
Grand Rapids area · 2
- Grand Rapids Beltline Mortgage Office1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525Directions
- Holland North - Branch 1112540 Riley St, Holland, MI 49424Directions
Battle Creek area · 1
- Battle Creek - Branch 4925 Michigan Ave W Ste 140, Battle Creek, MI 49017Directions
Holland area · 1
- Holland South - Branch 121075 Washington Ave, Holland, MI 49423Directions
Kalamazoo area · 1
- Kalamazoo Mortgage Office1822 W Milham Ave, Portage, MI 49024Directions
Nevada
10 branches
Reno area · 7
- Fernley - Branch 511035 Inglewood Dr Ste 100, Fernley, NV 89408Directions
- Bible Way - Branch 151170 Bible Way, Reno, NV 89502Directions
- Double R - Branch 1610705 Double R Blvd, Reno, NV 89521Directions
- Northwest - Branch 17980 Ambassador Dr, Reno, NV 89523Directions
- Summit - Branch 2713989 S Virginia St, Reno, NV 89511Directions
- Spanish Springs - Branch 312432 Wingfield Hills Rd, Sparks, NV 89436Directions
- Sparks - Branch 181430 E Prater Way, Sparks, NV 89434Directions
Gardnerville Ranchos area · 2
- Carson City South - Branch 32935 Jacks Valley Rd, Carson City, NV 89705Directions
- Minden - Branch 501647 US Highway 395 N, Minden, NV 89423Directions
Carson City area · 1
- Carson City North - Branch 261350 E William St, Carson City, NV 89701Directions
Arkansas
6 branches
Fort Smith area · 3
- Jenny Lind - Branch 18900 Jenny Lind Rd, Fort Smith, AR 72908Directions
- Rogers Avenue - Branch 25800 Rogers Ave, Fort Smith, AR 72903Directions
- Van Buren - Branch 31924 Fayetteville Rd, Van Buren, AR 72956Directions
Fayetteville area · 3
- Promenade - Branch 392000 S Promenade Blvd Ste 103, Rogers, AR 72758Directions
- Har-Ber Meadows - Branch 416706 W Sunset Ave, Springdale, AR 72762Directions
- S Thompson - Branch 461910 S Thompson St, Springdale, AR 72764Directions
North Carolina
6 branches
Asheville area · 5
- Asheville - Branch 241441 Patton Ave, Asheville, NC 28806Directions
- Flat Rock Loan Office2780 Greenville Hwy, Suite 30, Flat Rock, NC 28731Directions
- Fletcher - Branch 103674 Hendersonville Rd, Fletcher, NC 28732Directions
- Hendersonville - Branch 33101 Jack St, Hendersonville, NC 28792Directions
- Hendersonville South - Branch 40855 Spartanburg Hwy, Hendersonville, NC 28792Directions
Charlotte area · 1
- Statesville - Branch 21209 Turnersburg Hwy, Statesville, NC 28625Directions
Indiana
3 branches
- Toscana Park - Branch 387514 Gumwood Rd, Granger, IN 46530Directions
- Edison Lakes - Branch 344840 N Main St, Mishawaka, IN 46545Directions
- Ireland Road - Branch 36223 W Ireland Rd, South Bend, IN 46614Directions
Ohio
1 branch
- Marion - Branch 13116 Eastlawn Dr, Marion, OH 43302Directions
Pennsylvania
1 branch
- Allentown - Branch 524703 Hamilton Blvd, Allentown, PA 18103Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.94% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.71% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.54% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $88 | $88 | — |
- CapitalNet worth ratio11.94%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.71%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.54%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$88Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of United Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.