United Credit Union Buchanan MI | Affordable Auto Loans & Business Banking

Introduction

Welcome to United, your trusted financial partner right here in Buchanan, Michigan! Located at 808 E Front St, we have been serving our community since 1949 with a commitment to providing exceptional banking services tailored to meet the needs of our members. With a growing family of 192,997 members and total assets exceeding $4.1 billion, we are proud to be a cornerstone of financial support in the area. At United, we understand that every member's financial journey is unique. That's why we offer a wide range of services, from checking and savings accounts to auto loans and mortgages. Whether you're looking to buy your first car or save for your dream home, our team is dedicated to guiding you through the process. Our branch has also processed over 111,125 loans and leases, demonstrating our commitment to helping members achieve their financial goals. Our leadership team, led by CEO Terry O'Rourke and Board President Troy Tolle, believes in putting our members first. We strive to foster an environment where trust and reliability are at the forefront of everything we do. With a net worth of $457,241,625 and total deposits amounting to $301,665,562, you can feel confident that your finances are secure with us. If you need assistance or have questions about our services, don't hesitate to reach out! You can call us at 888-982-1400 during our convenient operating hours: Monday through Thursday from 9 AM to 5 PM, Friday until 5:30 PM, and Saturday from 9 AM to 12 PM (Drive-Thru only). While members can visit us at our branch location, official correspondence should be sent to our mailing address at P.O. Box 125, St Joseph, MI 49085. Explore how United can make a difference in your financial life today! Visit us online at unitedfcu.com for more information on membership eligibility and how we can assist you on your financial journey.

Branch History & Mission

Community Connections

At United, we take pride in being more than just a financial institution; we're part of the fabric of Buchanan. Our shared service center allows members from partner credit unions to access essential banking services easily. Additionally, we actively participate in local events and initiatives that foster growth and connection within the community. As we move forward into a digital era, we've embraced technology without losing sight of personalized service. Our online banking capabilities make managing finances straightforward while ensuring compliance with ADA standards so everyone can use our services comfortably.

Join Us!

We invite you to experience the United difference. Whether you're looking for a checking account, need assistance with a loan, or want guidance on saving for your future, we are here for you every step of the way. Join us today and become part of a credit union that cares deeply about its members and community!

Mission Statement

Our mission is clear: to deliver exceptional financial services while supporting our community's growth and well-being. We believe that when our members succeed, so does the community. This philosophy guides us as we engage in various outreach programs and partnerships aimed at uplifting those around us. While members can visit us at our branch location in Buchanan, official correspondence should be sent to P.O. Box 125 in St Joseph, MI. We encourage you to reach out by calling us at 888-982-1400 or exploring our website at unitedfcu.com for more information about membership and services.

Our Journey

From our humble beginnings, United has continuously expanded its offerings and outreach. We started with a simple goal: to provide accessible financial services that empower individuals and families. Today, we stand as a testament to that mission, offering everything from personal banking and auto loans to mortgage solutions and business services. Throughout the decades, we've adapted to the changing landscape of banking while maintaining our focus on community involvement. Our drive-thru banking service makes it easier for members to access their accounts without leaving their vehicles, while our ATM availability ensures convenience around the clock.

Branch Location & Accessibility

Conveniently Located

Nestled in beautiful Berrien County, our Buchanan branch is just a short drive from popular local spots like the scenic Riverfront Park and the bustling downtown area. We pride ourselves on being accessible to everyone our parking lot offers ample space, and we have ADA-compliant features to ensure that all members can easily visit us.

Operating Hours That Work for You

We understand that your time is valuable. That's why our lobby is open Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 5:30 PM, and Saturday from 9 AM to 12 PM. If you prefer drive-thru service, you can take advantage of our convenient drive-thru banking for quick deposits and withdrawals without leaving your car.

Services Tailored to Your Needs

At United, we provide a 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've got you covered. Plus, with ATM availability and shared services for partner credit union members, banking has never been easier. If you need assistance or have any questions about our services, feel free to call us at 888-982-1400. Our friendly staff is always ready to help! While members can visit us at 808 E Front St, official correspondence should be sent to P.O. Box 125 in St Joseph if needed. We invite you to stop by United today your financial journey starts here!

Member Eligibility

At United, we believe that everyone deserves a chance to be part of a caring and supportive community. Joining us is easy and welcoming! If you live, work, or go to school in our local area, you're likely eligible for membership. We also invite family members of existing members to join, creating a strong network of support. Becoming a member isn't just about opening an account; it's about gaining access to fantastic financial products and services designed with your needs in mind. You can learn more about the specific eligibility criteria by visiting our website at https://www.unitedfcu.com/products-and-services/banking/savings-accounts/membership-savings-account . Once you're ready to take the next step, opening an account is straightforward! You can begin your journey with us online by following this link: https://online.unitedfcu.com/unitedfederalcredituniononline/sdk/autoenrollmente2e/forgotlogin . If you have any questions or need assistance, feel free to give us a call at (888) 982-1400. We're here to help you every step of the way as you enjoy all the benefits that come with being a member of United at 808 E Front St Buchanan Mi 49107.

Business Banking & Commercial Services

Commercial 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

In addition to loans, our merchant services simplify payment processing, allowing you to focus on what you do best running your business. Imagine a busy Saturday where customers can easily pay with their cards while you keep serving them without interruption. Our solutions are designed for real-world scenarios like these, ensuring smooth transactions and happier customers. Visit us at 808 E Front St Buchanan Mi 49107 in Buchanan, MI, or call us at (888) 982-1400 to discover how our business banking and commercial services can support your unique journey.

Comprehensive List Of Services

Accessibility at Its Best

For those who prefer face-to-face interactions, our branch offers essential services through basic drive-thru banking for deposits and withdrawals. Additionally, shared branch transactions enable members from partner credit unions to access their funds easily. If you have any questions or need assistance with any of our services, don't hesitate to reach out! Call us at (888) 982-1400 or visit us at 808 E Front St Buchanan Mi 49107 in Buchanan, MI. We look forward to helping you achieve all your financial goals! Explore all these services today by visiting our website: https://unitedfcu.com/ .

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services that allow you to manage your accounts anytime, anywhere. With features like mobile payments and person-to-person transfers, accessing your funds has never been easier.

Credit Solutions That Work for You

Managing debt can be tricky, but our personal loans and debt consolidation services are designed to help simplify your financial life. Whether it's unexpected expenses or consolidating credit card debt, we provide flexible solutions that fit your needs. Plus, our credit cards with rewards allow you to earn while spending making everyday purchases more rewarding.

Home Ownership Simplified

Thinking about buying your dream home? Our mortgage loans and refinancing options make the process straightforward and stress-free. We work with you every step of the way, from application to closing, ensuring you understand all your choices. If you're already a homeowner looking to refinance, we can help lower your monthly payments and save on interest.

Personal Banking Made Easy

We understand that managing personal finances can sometimes feel overwhelming. That's why at United, we offer a variety of personal banking options tailored to help you achieve your financial goals. Our checking and savings accounts provide a secure place for your money while allowing easy access when you need it. For those looking to purchase a new vehicle, our auto loans and vehicle financing options ensure that you can drive away with confidence without breaking the bank.

Support for Your Business

At United, we don't just serve individuals; we also support local businesses through our comprehensive business banking services. From merchant services that facilitate smooth transactions to tailored business loans, we are here to ensure that your business thrives.

Digital & Online Banking

Key Features

Our online banking service provides 24/7 access to your account, allowing you to check balances, transfer funds, and pay bills with just a few clicks. You can also take advantage of e-statements for quick and easy access to your financial records no more waiting for the mail! Plus, with electronic signature authorization, you can approve documents securely from the comfort of your home. If you're always on the go, our mobile application makes banking even simpler. Whether you want to make mobile payments or conduct person-to-person transfers, everything is at your fingertips. Imagine sending money to a friend or family member instantly without needing cash or checks!

Security and Ease-of-Use

We prioritize your security while ensuring that all features are user-friendly. Our systems are designed with the latest security measures so you can feel confident about your transactions. The mobile payments feature allows for safe purchases directly from your phone, eliminating the need for cash or cards. At United, we believe that managing your money should be straightforward and accessible. Our commitment to providing modern banking solutions means that you can have real-time control over your finances whenever you need it. Dive into the world of digital banking with us today and experience the convenience firsthand!

Financial Strength

Committed Team

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 and committed team. Our operational efficiency is highlighted by our $0 net income, which reflects our focus on providing value to our members rather than maximizing profits.

Reinvesting for You

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 an impressive total of $3,047,289,259 in loans and leases.

Secure Savings Options

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 1105 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Member Base

Total Share Accounts stand at an impressive 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 808 E Front St Buchanan MI 49107 or call 888-982-1400 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already provided over $527,470,537 in used vehicle loans and $85,165,461 in new vehicle loans to help members get on the road with confidence. Whether you're interested in financing a brand-new model or a reliable used vehicle, our flexible terms can make it easier for you to drive away with what you want.

Commercial Loans

For business owners, our outstanding commercial loans totaling $332,047,461 provide the capital needed to grow and expand your business. We're committed to supporting local businesses and helping them thrive in our community.

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. Our dedicated team is here to guide you through every step of the process, ensuring you have the support needed to secure your dream home.

Refinancing Options

If you're looking for ways to save on existing loans or improve your financial situation, be sure to ask about our refinancing options. We can help assess your current loans and determine if refinancing makes sense for you. Our team at United, located at 808 E Front St Buchanan Mi 49107, Buchanan, MI, is ready to assist you with personalized service. If you have questions or need assistance with any of our loan products, don't hesitate to reach out at (888) 982-1400. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore how we can help you today!

Unsecured Credit Card Loans

Managing day-to-day finances can be easier with our unsecured credit card loans. With a total of $85,303,113 in loans available, we provide flexible terms that allow members to handle unexpected expenses or consolidate debt effectively.

Loan Aggregator

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UNITED FEDERAL CREDIT UNION - Buchanan, MI