United Credit Union Mishawaka IN | Quick Personal Loans & ATM Services

Introduction

Welcome to United, your trusted financial partner located at 3630 Bremen Hwy, Mishawaka, IN 46544. Since our establishment in 1949, we have proudly served our community, building a strong foundation of trust and support among our members. With a total membership of 192,997, we are dedicated to providing exceptional service tailored to your unique needs. At United, we believe in the power of community. Our commitment is reflected not only in our diverse range of services but also in our impressive financial stability. With total assets exceeding $4.12 billion and total deposits reaching $301,665,562, we are well-equipped to help you achieve your financial goals. Our experienced team, led by CEO Terry O'Rourke and Board President Troy Tolle, works tirelessly to ensure that every member feels valued and empowered. We understand that financial decisions can be overwhelming, which is why we offer various products such as auto loans, personal loans, and business banking services all designed with you in mind. With 111,125 loans currently in place, we take pride in offering competitive rates and personalized solutions. While members can visit us at our branch address for assistance or inquiries, official correspondence should be sent to PO Box 125, St Joseph, MI 49085. Our friendly staff is available to assist you during our operating hours: Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 5:30 PM. Discover the difference with United today! Whether you're looking for a new loan or simply want more information about our services, feel free to reach out at 888-982-1400 or explore our website at unitedfcu.com. We look forward to serving you!

Branch History & Mission

Join Us

As we continue this journey together, we invite you to become part of the United family. Experience firsthand how our personalized approach can make a difference in your financial life. Visit us today or explore membership options online at United's website. Let's build a brighter future together!

Our Evolution

From our humble beginnings, United has grown tremendously, adapting to the changing needs of our members while remaining focused on our core values. We believe in fostering strong relationships within our community. As we expanded our services from personal banking options like checking and savings accounts to auto loans and mortgages we also embraced digital advancements to enhance member convenience. Our online banking platform and mobile app make it easy for members to manage their finances on the go. In addition to evolving our financial products, we've established partnerships with local organizations to support community initiatives. Whether it's sponsoring local events or offering financial literacy programs, we strive to give back to the community that has supported us for so long.

Our Mission

At United, our mission is clear: we are dedicated to providing quality financial services while fostering a supportive environment for all members. We aim not just to meet your banking needs but also to enrich your life by promoting financial wellness. We are here for you, whether you need help planning for retirement or advice on purchasing your first home. Our branch operates with member accessibility in mind. Alongside traditional banking hours Monday through Thursday from 9 AM to 5 PM and Friday until 5:30 PM we offer both ATM availability and drive-thru services for quick transactions. For those who need assistance beyond normal hours or prefer face-to-face interactions, our shared service center is available as well. While members can visit us at 3630 Bremen Hwy, official correspondence should be sent to PO Box 125, St Joseph, MI 49085.

Branch Location & Accessibility

Accessibility Features

At United, we prioritize accessibility for all members. Our branch is equipped with ADA-compliant features including ramps and designated parking spaces, ensuring everyone can comfortably access our services. We also offer drive-thru banking, so you can take care of your banking needs without leaving your vehicle.

Call to Action

We invite you to visit us at our Bremen Highway branch or give us a call at 888-982-1400 if you have any questions. Our team is excited to assist you with all your banking needs!

Nearby Landmarks

Located just off Bremen Highway, we're easily accessible for those coming from downtown Mishawaka or surrounding areas. You can find us near popular spots like the Mishawaka Riverwalk and several local parks, making it convenient for a visit after enjoying the outdoors.

Operating Hours

Our lobby hours are designed to fit your schedule! We're open Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 5:30 PM. Whether you're here to open an account, apply for a loan, or simply ask questions about our services, feel free to drop by during these hours.

Services Offered

At United, we provide a variety of personal and business banking services. From checking and savings accounts to auto loans and credit cards with rewards, we've got something for everyone. Plus, our ATM is available on-site for quick cash withdrawals and balance inquiries anytime you need it.

Member Eligibility

Joining the United family means becoming part of a caring community that prioritizes your financial well-being. At our branch located at 3630 Bremen Hwy, Mishawaka, IN 46544, we welcome those who share a common bond with our membership criteria. Whether you live, work, or worship in the area, or are related to someone who is already a member, you're likely eligible to join us! Membership comes with fantastic benefits such as competitive rates on loans and savings, personalized service, and access to a variety of financial products tailored just for you. If you're ready to take the next step, opening an account is quick and straightforward. You can find more details about eligibility by visiting this link and check out how easy it is to start your journey with us at this page. Should you have any questions or need assistance, don't hesitate to reach out at 888-982-1400. We're excited to welcome you into our community!

Business Banking & Commercial Services

At United, we understand that every business journey is unique. Whether you're a small startup or an established company, the right financial support can make all the difference. Our commercial loan options are designed to fuel your growth and help you reach new heights. Imagine being able to invest in new equipment, expand your team, or open a new location all with the financial backing you need. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $2,050 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $332,047,461, we continue to drive economic growth by financing new and expanding businesses. In addition to loans, our merchant services simplify transactions so you can focus on what you do best running your business. With solutions tailored for your needs, we ensure that your payment processes are efficient and reliable. Located at 3630 Bremen Hwy Mishawaka In 46544, Mishawaka, IN, we're here to partner with you on your path to success. Give us a call at (888) 982-1400 to explore how our business banking services can empower your enterprise today!

Comprehensive List Of Services

Business Banking

If you're a business owner, we haven't forgotten about you! Our Business Banking services include essential tools like Merchant Services & Business Loans to help your business thrive. We are committed to supporting local enterprises with resources that cater specifically to their needs.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking options. Whether you're checking your balance or transferring money, our secure platforms make it easy for you to manage your finances from anywhere. And don't forget about our ATM services; with access to cash withdrawal services and basic functions like balance checks, banking has never been easier.

Drive-Thru and Shared Services

For quick transactions, stop by our Drive-Thru Banking, where you can handle deposits and withdrawals without leaving your car. Additionally, if you're a member of partner credit unions, take advantage of our Basic Shared Branch Transactions for deposits and withdrawals at our location. At United, we're proud to provide a variety of services that cater to both individuals and businesses alike. Our friendly team is ready to assist you with any questions or concerns you may have about our offerings. If you're interested in learning more or want assistance with opening an account, give us a call at 888-982-1400 or visit us online at unitedfcu.com. Join us today and discover how we can help you navigate your financial journey!

Loans and Credit

Sometimes life throws unexpected expenses your way. Our Personal Loans & Debt Consolidation options provide the flexibility you need to cover those costs without breaking the bank. Plus, our Credit Cards with Rewards let you earn points on your everyday purchases, making every dollar count.

Personal Banking

Whether you're just starting out or looking to manage your savings, our personal banking services are tailored for you. With options like Checking & Savings Accounts, you can easily access and grow your funds. Need a vehicle? Our Auto Loans & Vehicle Financing solutions make purchasing or refinancing your car hassle-free. For those dreaming of home ownership, we offer Mortgage Loans & Refinancing to help get you into the perfect home.

Digital & Online Banking

Accessibility

Need to send money to a friend? Our person-to-person transfers make it simple to send cash instantly. Plus, if you're out shopping or dining, take advantage of our mobile payments feature for a quick checkout without needing cash or cards. With 24/7 online banking services, you're never out of reach from your financial needs. Whether it's day or night, our services are designed to be accessible when you need them most. At United, we're committed to making banking easier for you so you can focus on what truly matters in life. Join us today and explore the convenience of modern banking!

Key Features

Our online banking platform, available at https://unitedfcu.com/ , offers a range of user-friendly features that simplify your banking experience. You can check balances, transfer funds, and pay bills all from the comfort of your home or on the go. For those who prefer using their smartphones, our mobile application is readily available, bringing all these features right to your fingertips. Security is a top priority at United. We use advanced encryption to protect your personal information and transactions. Plus, with electronic signature authorization, signing documents is quick and easy no more waiting for paper forms! You can also opt for e-statements for hassle-free account management without the clutter of physical mail.

Financial Strength

Growing Membership Trust

Total Share and Deposit Accounts stand at 439,336, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, United is your trusted partner. Visit us at 3630 Bremen Hwy Mishawaka In 46544 or call (888) 982-1400 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 717 full-time employees and 9 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for Your Benefit

With $437,766,946 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $35,348 in used auto loans and $3,047,289,259 in total loans and leases.

Secure Savings Opportunities

Members' savings are secured through $1,127,840,649 in share certificates and $745,482,943 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $250,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $457,241,625, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,105 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Options

We also have lines of credit available, with a total of $1,074,727,648, giving you access to funds when you need them most. If you're considering refinancing any of these products or want to learn more about eligibility options, don't hesitate to reach out. You can visit us at 3630 Bremen Hwy Mishawaka In 46544, located conveniently in Mishawaka, IN. For any inquiries or assistance, feel free to call us at (888) 982-1400. Our dedicated team is ready to assist you with all your financial needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let's work together towards achieving your financial goals!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $527,470,537 in used vehicle loans and $85,165,461 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, ensuring that you can find something that fits your budget and lifestyle.

Commercial Loans

If you're a business owner, our outstanding commercial loans totaling $332,047,461 provide the capital needed to grow and expand your business. We understand the unique challenges businesses face and are committed to providing tailored solutions that help foster growth.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $287,925,892, make buying or refinancing simple. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, our team is here to guide you through the process with personalized service and competitive rates.

Unsecured Credit Card Loans

For those looking for flexible spending options, we also offer unsecured credit card loans, with a total of $85,303,113 in loans helping members manage their finances effectively. These cards come with various benefits tailored to suit different spending habits.

Loan Aggregator

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UNITED FEDERAL CREDIT UNION