Credit union · NCUA insured
United Financial Credit Union
Top CarrotA $350.3M credit union headquartered in Saginaw, MI, with 21,710 members and 9 branches in Michigan. Best rates: CDs 4.40% and savings 3.00% APY.
United Financial Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 96% of U.S. banks and credit unions
#2 of 22 in Saginaw, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About United Financial Credit Union
Founded in 1964 by local tool and die workers in Bridgeport, United Financial Credit Union serves communities across Michigan's Lower Peninsula.
The member-owned credit union focuses on serving its member community and neighbors.
- Headquarters
- 4685 State St, Saginaw, MI 48603
- NCUA charter
- 61657
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in the lower peninsula of Michigan are eligible to join.
Family and household
- Immediate family members or household members of current United Financial members (including qualifying out-of-state relatives) are eligible to join.
Branches
9 branches in Michigan
Loading map…
Michigan
9 branches
Saginaw area · 6
- United Financial Credit UnionMain office4685 State St, Saginaw, MI 48603Directions
- United Financial Credit Union6310 Dixie Hwy, Bridgeport, MI 48722Directions
- United Financial Credit Union1720 Brady St, Chesaning, MI 48616Directions
- United Financial Credit Union7600 Midland Rd, Freeland, MI 48623Directions
- United Financial Credit Union2510 Weiss St, Saginaw, MI 48602Directions
- United Financial Credit Union4685 State St, Saginaw, MI 48603Directions
Bay City area · 3
- United Financial Credit Union1026 W Midland Rd, Auburn, MI 48611Directions
- United Financial Credit Union Frankenlust Office6354 Westside Saginaw Rd, Bay City, MI 48706Directions
- United Financial Credit Union Pinconning Branch3858 N Huron Rd, Pinconning, MI 48650Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.73% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.03% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.94% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $67 | $76 | — |
- CapitalNet worth ratio10.73%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.03%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.94%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$67Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Financial Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.