United Credit Union Mishawaka IN | Low Mortgage Rates & Auto Loans

Introduction

Welcome to United, your trusted financial partner located at 4840 N Main St, Mishawaka, IN 46545. Established in 1949, we have proudly served our community for over seven decades, helping individuals and families achieve their financial goals with personalized service and a commitment to member satisfaction. Our team is dedicated to providing you with the best banking experience possible, whether you're looking for savings accounts, auto loans, or business financing. As part of our ongoing commitment to our members, we currently boast a total membership of 192,997. With total assets reaching an impressive $4,127,673,172, we are well-equipped to support your financial needs. Our strong foundation is reflected in our net worth of $457,241,625 and total deposits amounting to $301,665,562. Our CEO, Terry O'Rourke, alongside Board President Troy Tolle, leads a dedicated team of 726 employees who are here to assist you every step of the way. Whether you're visiting us in person or using our online services at unitedfcu.com, you can trust that your financial well-being is our top priority. While members can visit us at our branch location, official correspondence should be sent to PO Box 125, St Joseph, MI 49085. If you have questions or need assistance, don't hesitate to reach out by calling us at 888-982-1400. Join us today as we work together to build a brighter financial future!

Branch History & Mission

Community Commitment

United is more than just a financial institution; we are deeply rooted in the Mishawaka community. Our partnerships with local organizations allow us to contribute positively and support various outreach efforts that uplift those around us. We actively participate in events and programs that promote financial literacy, ensuring that our members have the knowledge they need to make informed decisions. Our staff works hard to create an inviting atmosphere where every member feels valued and supported. We understand that each person's situation is unique, which is why we focus on providing personalized service tailored to individual needs.

Join Us Today

As we continue to grow and adapt in this ever-changing world, we invite you to be part of our story at United. Experience firsthand the benefits of membership in a credit union that truly cares about its community. Visit us today at 4840 N Main St or call us at 888-982-1400 to learn more about how we can help you reach your financial goals. Join United where your success is our priority!

Branch Location & Accessibility

Accessibility Features

At United, we prioritize accessibility for everyone. Our branch complies with ADA standards, featuring ramps and other accommodations to ensure that all members can easily navigate our facilities.

Call or Visit Us!

Have questions or need assistance? Don't hesitate to call us at 888-982-1400. Our friendly staff is ready to assist you! We invite you to visit us at United - Edison Lakes - Branch 34 today and discover how we can help you achieve your financial goals.

Convenient Location

Situated in the heart of Mishawaka, our branch is easy to find. We're just a stone's throw away from local landmarks, making it convenient for you to visit us during your daily routine. With ample parking available, accessing our services is hassle-free.

Operating Hours

We know your time is valuable. That's why our lobby hours are designed to fit your busy schedule: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 5:30 PM, and Saturday from 9 AM until noon. Feel free to stop by during these hours for personalized service.

Services Offered

Our branch offers a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Plus, with our drive-thru service available, you can complete simple transactions without leaving your vehicle.

Member Eligibility

At United, we believe that becoming a member means joining a caring community that supports your financial goals. If you live, work, worship, or attend school in the areas we serve, you're likely eligible to join us. We welcome individuals from various backgrounds, and our membership is designed to be inclusive and accessible. To learn more about the specific eligibility criteria, feel free to check out this resource: Membership Eligibility. Opening an account is a breeze! You can easily start your journey with us by visiting our website at Account Opening or giving us a call at (888) 982-1400. Our friendly team at 4840 N Main St Mishawaka In 46545 is here to help you every step of the way. Join us today and experience the benefits of being part of United!

Business Banking & Commercial Services

Business Loan Options

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.

Merchant Services

Imagine having a reliable partner who not only offers funding but also helps streamline your payment processing. Our merchant services allow businesses to accept payments easily, whether through card transactions or mobile payments. This means less hassle and more time focusing on what you do best growing your business. Visit us at 4840 N Main St Mishawaka In 46545 in Mishawaka, IN, or call us at (888) 982-1400 to learn how our business banking and commercial services can empower your success!

Comprehensive List Of Services

Business Banking

If you're a business owner, we haven't forgotten about you! Our business banking services include everything from merchant services to business loans tailored to help your venture grow. With us by your side, managing finances for your business becomes less daunting.

Convenient Services

For those times when you prefer face-to-face interactions, our basic drive-thru banking allows for quick deposits and withdrawals without leaving your car. Additionally, if you're a member of partner credit unions, take advantage of our shared branch transactions which let you conduct deposits and withdrawals easily. At United, we are dedicated to providing exceptional service tailored just for you. If you're ready to explore any of these services or have questions about how we can assist further, don't hesitate to reach out! Call us at (888) 982-1400 or visit us at our location in Mishawaka, IN. We look forward to helping you achieve your financial goals!

Credit Options

For those who love rewards and flexibility, our credit cards with rewards provide great benefits for everyday purchases. Whether you're using it for groceries or travel expenses, enjoy earning points while managing your spending smartly.

Digital Banking Features

In today's fast-paced world, having access to your accounts anytime is crucial. That's where our online and mobile banking features come into play. With easy-to-use apps and online platforms, you can check balances, transfer funds, and pay bills from anywhere no need to visit the branch in person unless you want to! Our ATM services also provide quick cash withdrawals when you're on the go.

Home Financing

When it comes to buying a home, we know how important it is to have reliable support. That's why we offer mortgage loans and refinancing options that can make homeownership more accessible. Our friendly team is ready to guide you through the process, ensuring you find a solution that fits your budget.

Personal Banking

We offer a variety of personal banking services designed to meet the needs of our members. You can open checking and savings accounts that fit your lifestyle, making it easier to manage your money. Need extra funds for a home renovation? Our personal loans are here to assist you with debt consolidation or unexpected expenses. Plus, if you're thinking about purchasing a car, our auto loans and vehicle financing options will help get you on the road without breaking the bank.

Digital & Online Banking

Accessibility and Ease of Use

At United, we strive for accessibility and user-friendliness in all our digital offerings. Whether you're tech-savvy or just starting out with online banking, you'll find our platform intuitive and straightforward. Real-time account management means you're always up-to-date with your finances, so there's no guesswork involved. In short, with the digital banking services from United, managing your money is efficient, secure, and tailored to fit your life. Explore everything we have to offer today by visiting https://unitedfcu.com/ !

Key Features

Security is a top priority for us. You can feel confident knowing that our online services include electronic signature authorization, ensuring that your transactions are safe and verified. Additionally, we offer e-statements, which not only help you keep track of your financial activities but also contribute to a more eco-friendly way of banking. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick. Just a few taps on your phone or clicks on your computer, and you're done! If you prefer using mobile payments, you'll be pleased to know that we support this feature too allowing you to pay with ease wherever you are.

Financial Strength

A Growing Community

We're proud of our community's trust as shown by the 439,336 total share accounts we manage. This indicates a strong and growing member base that chooses us for their financial needs. In summary, 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 4840 N Main St Mishawaka In 46545 or call (888) 982-1400 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Commitment to Growth

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 with $35,348 in used auto loans and $3,047,289,259 in total loans and leases. 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.

Member-Centric Savings

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.

Solid 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 Financing Options

For business owners, our outstanding commercial loans totaling $332,047,461 provide the capital needed to grow and expand your business. Additionally, we offer various credit lines with a total value of $1,074,727,648, catering to diverse financial needs. If you're considering refinancing options or want more information about eligibility requirements for any of our products, don't hesitate to ask during your visit or call us. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're here to support your financial well-being with transparent and accessible loan solutions tailored just for you.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. With financing options tailored to fit your budget, we make it simple for you to drive away with confidence.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $287,925,892. We strive to make buying or refinancing your home straightforward and affordable.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans. With a total of $85,303,113 in loans available, our credit cards help members manage their finances effectively while enjoying additional rewards.

Loan Aggregator

Ensuring Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This means that every offer you see is fair and transparent, giving you peace of mind as you explore your financing options.

Key Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency in what you see. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect true market conditions. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, helping them find the best deals without delay. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the platform's effectiveness in matching borrowers with suitable loans. Take control of your borrowing journey today. Compare real-time loan offers at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

UNITED FEDERAL CREDIT UNION