United Credit Union Holland MI | Low Mortgage Rates & Auto Loans

Introduction

Welcome to United, your trusted financial partner located at 12540 Riley St, Holland, MI 49424. Since our establishment in 1949, we've dedicated ourselves to serving our community and meeting the diverse needs of our members. With a proud membership of over 192,997, we have grown into a reliable credit union with total assets amounting to an impressive $4,127,673,172. At United, we believe in making banking accessible and straightforward for everyone. Whether you're looking for personal banking services like checking and savings accounts or financing options such as auto loans and mortgages, we've got you covered. Our commitment is reflected in our total deposits of $301,665,562 and a net worth of $457,241,625, ensuring that your funds are secure and well-managed. While you can always visit us at our branch on Riley Street, please note that official correspondence should be directed to our mailing address: P.O. Box 125, St Joseph, MI 49085. Our leadership team is dedicated to your financial well-being. Led by CEO Terry O'Rourke and Board President Troy Tolle, we strive to create an inclusive environment where everyone feels valued and supported. Our team of 726 employees is here to assist you with any questions or services you may need. If you're interested in exploring what we offer or want personalized assistance, don't hesitate to give us a call at 888-982-1400 or visit our website at unitedfcu.com. We invite you to experience the United difference where your financial success is our top priority!

Branch History & Mission

Commitment to Community

We understand that being a good neighbor goes beyond just providing financial services; it means actively participating in local initiatives and partnerships. At United, we are involved in various community outreach programs aimed at supporting education, health initiatives, and local events. We take pride in working together with other organizations to create positive change in Holland and surrounding areas. As technology continues to evolve, so do we. Our digital banking options make it easy for members to manage their finances on-the-go with online banking and mobile payments available at your fingertips. We are committed to ensuring that our services are accessible for everyone by maintaining ADA compliance across all platforms. Join us today! Experience firsthand how United is not just about banking; it's about building relationships and creating a brighter future together. Whether you're looking for competitive loan rates or personalized service from dedicated staff members ready to assist you with your financial journey United is here for you! Reach out at 888-982-1400 or visit us online at unitedfcu.com for more information on how you can become part of our family.

Our Mission

At United, our mission is clear: we aim to empower our members through accessible and affordable financial services while giving back to the communities we serve. We believe that everyone deserves a chance to achieve their financial goals whether that means buying a new home, financing a vehicle, or simply saving for the future. We offer a wide range of services including checking and savings accounts, auto loans, mortgages, and personal loans all designed with the member's best interests in mind. While you can visit us at our branch location in Holland for all your banking needs, official correspondence should be sent to P.O. Box 125, St Joseph, MI 49085. Our operating hours are 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. For your convenience, we also offer ATM services and drive-thru banking.

Branch Location & Accessibility

Operating Hours

We understand that life can get busy, so we strive to be available when you need us most. Our lobby hours are 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. This flexibility allows you to visit us at a time that works best for you.

Parking and Accessibility

At United, we prioritize your comfort and convenience. We provide ample parking right outside our branch, ensuring easy access whether you're driving or walking in. Our facility is designed with accessibility in mind, featuring ADA-compliant ramps and entrances to accommodate all members of our community.

Services Offered

At United, we offer a wide range of services tailored to meet your financial needs. From personal banking options such as checking and savings accounts to auto loans and credit cards with rewards, we've got something for everyone. You can also take advantage of our online and mobile banking services for added convenience. For those who prefer in-person transactions, our drive-thru service makes quick deposits or withdrawals simple and efficient. Our branch also participates in shared services, allowing members of partner credit unions to make deposits and withdrawals seamlessly. And don't forget about our ATM availability we have one on-site for your cash withdrawal needs! We invite you to come visit us or give us a call at 888-982-1400 if you have any questions. Experience the personalized service that United offers we look forward to seeing you soon!

Member Eligibility

At United, we believe that everyone deserves a place in our community where they can grow and thrive financially. Becoming a member is simple and welcoming! If you live, work, or go to school in the areas we serve, you're already eligible to join us. Plus, family members of current members are also invited to be part of our supportive network. Being a member at United means you gain access to a variety of financial services tailored just for you, from savings accounts to loans, all designed with your best interests in mind. To learn more about our eligibility requirements and find out how easy it is to open an account, feel free to visit our detailed page at https://www.unitedfcu.com/products-and-services/banking/savings-accounts/membership-savings-account . If you're ready to take the next step or have any questions, don't hesitate to reach out at (888) 982-1400. We're here to help you every step of the way!

Business Banking & Commercial Services

Commercial Loans Tailored for Growth

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 for Everyday Needs

Imagine a local café that needs quick access to funds for new equipment or a boutique looking to enhance its payment options. Our merchant services offer practical solutions like point-of-sale systems and payment processing that help businesses operate smoothly and efficiently. By choosing United, you're not just getting a loan; you're gaining a partner dedicated to your success. Located at 12540 Riley St Holland Mi 49424 in Holland, MI, we are here to help your business thrive. Contact us today at (888) 982-1400 to learn more about how our business banking services can make a difference for you!

Comprehensive List Of Services

Business Banking Services

If you're a business owner, you'll appreciate our Business Banking services that include Merchant Services & Business Loans designed to help your business thrive. We understand the unique challenges businesses face and provide resources to assist in growth and development.

Digital Banking Convenience

In today's fast-paced world, managing your finances on-the-go is essential. With our robust Online & Mobile Banking, accessing your accounts has never been easier. You can make transactions anytime, anywhere whether it's checking your balance or transferring funds. Plus, our convenient ATM & Cash Withdrawal Services ensure you can always access cash when needed.

Everyday Transactions Made Easy

We also offer basic banking services such as Drive-Thru Banking, which allows for easy deposits and withdrawals without leaving your car. For members of partner credit unions, our Shared Branch Transactions facilitate deposits and withdrawals seamlessly. At United, we're committed to making banking accessible and straightforward for all members. Our friendly staff is ready to assist you with any questions or service requests you may have. For more information about how we can meet your financial needs or if you're ready to take the next step toward better banking solutions, give us a call at (888) 982-1400 or visit us at our branch located at 12540 Riley St Holland Mi 49424 in beautiful Holland, MI. Join us today!

Financial Flexibility

Sometimes life throws unexpected challenges your way, which is why our Personal Loans & Debt Consolidation options can be lifesavers. Whether it's for home improvements or consolidating debt, we're here to help you find the right financial solution that fits your situation.

Personal Banking Solutions

Our Personal Banking options are designed with you in mind. We offer Checking & Savings Accounts that help you manage your day-to-day expenses while saving for future goals. If you're considering purchasing a vehicle, our Auto Loans & Vehicle Financing provide competitive rates and flexible terms to get you on the road without breaking the bank. For those looking to buy a home or refinance an existing mortgage, our Mortgage Loans & Refinancing services can guide you through the process with ease.

Rewarding Credit Options

For members who enjoy shopping and earning rewards, our Credit Cards with Rewards allow you to earn points on your purchases, giving back as you spend.

Digital & Online Banking

Always Accessible

No matter where life takes you, United ensures that banking is always within reach. From checking your balance to making important transactions, everything can be done with ease through our user-friendly app or website. Enjoy the flexibility and convenience of real-time account management because we believe banking should fit seamlessly into your lifestyle. In summary, whether you prefer using a computer or a smartphone, United offers comprehensive digital banking solutions designed for today's member. Take control of your finances today!

Mobile Banking at Your Fingertips

On top of our robust online services, we also provide a mobile application that allows you to bank on the go. Want to make payments quickly? Our mobile payments feature lets you send money directly from your phone with just a few taps. Need to send money to a friend? With our person-to-person transfer options, sharing funds is simple and quick.

Security You Can Trust

Your security is a top priority for us. We utilize electronic signature authorization to keep your transactions safe and ensure that your personal information is well-protected. This feature adds an extra layer of security when signing important documents online, giving you peace of mind.

Financial Strength

Growing Membership Base

Total Share and Deposit Accounts stand at 439,336, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments total $0, further enhancing our ability to support your needs. 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 12540 Riley St Holland Mi 49424 or call (888) 982-1400 to learn more about how we can help you achieve your financial goals.

Member Savings Security

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.

Operational Efficiency

Our operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We 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.

Reinvestment for Better Services

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 is supported by $35,348 in used auto loans and $3,047,289,259 in total loans and leases, helping you achieve your financial goals across various sectors.

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

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 competitive financing for both new and used vehicles, making it easier for you to own the car you desire.

Credit Lines

For those who need extra flexibility, our total credit lines amounting to $1,074,727,648 allow you to borrow as needed while maintaining control over your finances. This option is ideal for managing unexpected costs or consolidating debt.

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. We offer flexible terms that can help you secure your dream home without unnecessary stress.

Refinancing Options

If you're already borrowing but want to lower your payments or change your loan terms, we offer refinancing options across various products. This could help you save money over time and better align your payments with your current financial situation. If you're interested in any of these loan products or need more information about eligibility and application processes, feel free to reach out! You can contact us at 888-982-1400 or visit us at our branch located at 12540 Riley St Holland Mi 49424. We're here to assist you every step of the way!

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 helping members manage their finances effectively. These cards come with rewards and easy payment options to fit your lifestyle.

Loan Aggregator

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Ensuring Accurate Comparisons

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UNITED FEDERAL CREDIT UNION