United Credit Union Saint Joseph MI | Best Auto Loans & Business Banking

Introduction

Welcome to United, your trusted credit union located at 2819 S State St, Saint Joseph, MI 49085. Established in 1949, we have proudly served our community for over seven decades. With a commitment to helping our members achieve their financial goals, we currently support a vibrant membership of 192,997 individuals. Our dedicated team of 726 employees is here to provide you with personalized services tailored to your needs. At United, we understand that financial stability is crucial for our members. That's why we've worked hard to build a solid foundation with total assets amounting to an impressive $4,127,673,172. Our robust financial position includes total deposits of $301,665,562, ensuring that your funds are safe and secure with us. Furthermore, our net worth stands strong at $457,241,625, demonstrating our commitment to maintaining a healthy financial outlook for the benefit of our members. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be sent to our mailing address: PO Box 125, St Joseph, MI 49085. Whether you're looking for personal banking options such as checking and savings accounts or seeking assistance with auto loans and mortgages, we've got you covered. Our leadership team, led by CEO Terry O'Rourke and Board President Troy Tolle, is dedicated to fostering a supportive environment where every member feels valued. We take pride in being more than just a financial institution; we're part of your community. Ready to take the next step towards financial wellness? Call us today at 888-982-1400 or visit our website at unitedfcu.com to learn more about how we can help you thrive financially!

Branch History & Mission

Commitment to Accessibility

As part of our dedication to serving all members of the community, we ensure that our branch complies with ADA standards for accessibility. We also embrace digital advancements with features like online banking and mobile payments to make managing finances easier for everyone. While members can visit us at 2819 S State St, official correspondence should be sent to PO Box 125, St Joseph, MI 49085 if you need to reach out regarding your accounts or inquiries.

Join Us

At United, we believe in building relationships based on trust and mutual support. Our passionate team is here to help you navigate your financial journey whether you're saving for your first home or starting a new business venture. We invite you to experience the benefits of being part of our credit union family. Stop by during our operating hours Monday through Thursday from 9 AM to 5 PM, Friday until 5:30 PM, and Saturday from 9 AM to 12 PM or give us a call at 888-982-1400. Join us today and discover how United can help you achieve your financial goals while making a difference in our community!

Our Evolution

From humble beginnings, United has evolved into a cornerstone of the community. We started as a small credit union focused on meeting the basic financial needs of our members. As our membership grew, so did our offerings. Today, we provide a wide range of services including personal banking, auto loans, mortgages, and even business banking solutions. Our drive-thru and ATM services make it easy for members to access their funds whenever they need them. Our mission is simple yet profound: to improve the financial well-being of our members while fostering strong community ties. This means not only providing exceptional financial products but also engaging in outreach programs that uplift those around us. Whether it's through financial literacy workshops or partnerships with local organizations, we strive to make a positive impact in every way possible.

Branch Location & Accessibility

Come Visit Us!

We invite you to come see what makes United special! Whether you're opening a new account or just want to chat about your financial goals, we're here for you. Stop by today your next great banking experience awaits!

Comprehensive Services at Your Fingertips

Our branch offers a variety of services tailored to meet your banking needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we are here to support your financial journey. Plus, we have an ATM on-site for those times when you need quick cash without stepping inside the branch. If you're short on time, take advantage of our drive-thru service for deposits and withdrawals all designed to keep your experience smooth and efficient. While members can visit us at 2819 S State St Saint Joseph Mi 49085, official correspondence should be sent to PO Box 125 in St Joseph, MI.

Easy Access and Nearby Landmarks

When you visit us, you'll find ample parking available right outside our doors. Our branch is also ADA-compliant, ensuring accessibility for all members. If you're looking for a quick stop while running errands, we're just a stone's throw away from popular spots like the local grocery stores and parks that many residents enjoy.

Operating Hours Tailored for You

At United, we understand that life can be busy! That's why we offer flexible operating hours to serve you better. Join us 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. Need assistance? Don't hesitate to call us at 888-982-1400; our friendly staff is always ready to help.

Member Eligibility

Becoming a member of United is like joining a caring family that's dedicated to helping you achieve your financial goals. If you live, work, or worship in our community, you're likely eligible to join us! We welcome individuals from all walks of life, and we're excited to offer you a range of benefits including competitive rates on loans, low fees, and personalized service that truly puts your needs first. For detailed eligibility criteria, feel free to check out this resource to see if you qualify. Joining is simple! You can open an account online through our user-friendly portal or give us a call at (888) 982-1400 for assistance. Our branch located at 2819 S State St Saint Joseph Mi 49085 is also here to help you with the process in person. We look forward to welcoming you into the United family and helping you on your financial journey!

Business Banking & Commercial Services

Merchant Services That Make Sense

Imagine having a payment processing solution that not only simplifies transactions but also enhances customer experience. Our merchant services allow businesses to accept payments effortlessly, whether in-store or online. This means you can focus more on what you do best running your business while we handle the financial side. Located at 2819 S State St Saint Joseph Mi 49085 in Saint Joseph, MI, we're here to ensure you have the tools you need for success. Contact us at (888) 982-1400 or visit us today to learn how we can support your business journey!

Supporting Your 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.

Comprehensive List Of Services

Business Banking Services

For our business members, we understand that managing finances can be complex. That's why we offer comprehensive business banking services, including merchant services and business loans. These tools can help streamline operations and support growth in today's competitive market.

Connect With Us Today!

At United, located at 2819 S State St Saint Joseph Mi 49085, we are dedicated to supporting you on your financial journey. Our friendly staff is always here to assist you with any questions or concerns you may have. Give us a call at (888) 982-1400, visit us online at our website, or stop by during our hours of operation: 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. Join us at St Joseph - Branch 22 today, where financial success is just around the corner!

Convenient Access and Support

We know that convenience matters. That's why at United, we provide essential services like ATM access, enabling easy withdrawals and balance checks at any time. Additionally, our basic drive-thru banking allows for quick deposits and withdrawals without stepping inside the branch. For members of partner credit unions, we also offer basic shared branch transactions so you can access funds even when you're away from home.

Loans for Every Need

When it comes to financing, United offers a variety of loan options. If you're in the market for a new car, our auto loans and vehicle financing can help make that dream a reality with competitive rates and flexible terms. For those considering homeownership or refinancing an existing mortgage, our mortgage loans provide affordable solutions tailored to fit your budget. If you're looking for a way to consolidate debt or cover unexpected expenses, our personal loans offer quick access to cash when you need it most. And don't forget about our credit cards with rewards perfect for earning points on everyday purchases!

Personal Banking Solutions

Our personal banking services include checking and savings accounts that help you manage your money effectively. Imagine easily accessing your funds anytime through our convenient online and mobile banking options. You can track your spending, transfer money, and pay bills right from your phone or computer. This flexibility allows you to stay in control of your finances wherever you are.

Digital & Online Banking

Convenient Online Banking Services

With our online banking platform, accessible at https://unitedfcu.com/ , you can easily check your account balances, pay bills, and transfer funds all from the comfort of your home. Our 24/7 online banking services ensure that you can manage your accounts anytime you need to, without the hassle of waiting in line.

Enhanced Security and User-Friendly Features

Your security is our top priority. We offer electronic signature authorization for a safe and secure way to handle important transactions without the need for paper forms. Additionally, e-statements are available to help you keep track of your finances while reducing clutter in your mailbox.

Mobile Solutions for Every Lifestyle

For those who prefer banking on-the-go, our mobile application makes it simple to access your accounts wherever life takes you. You can also take advantage of mobile payments to make purchases quickly and securely from your smartphone. Plus, with our person-to-person transfer feature, sending money to friends or family is just a few taps away. In short, United provides a comprehensive range of digital banking solutions that are user-friendly and designed with your needs in mind. With easy access to real-time account management and secure transaction options, you'll feel empowered every time you bank with us!

Financial Strength

Growing Membership Base

With a total of 439,336 share accounts, it's clear that more people trust United with their finances every day. This growing membership base illustrates the confidence that individuals place in us as their financial partner. 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 2819 S State St Saint Joseph Mi 49085 or call (888) 982-1400 to learn more about how we can help you achieve your financial goals.

Member-Centric 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.

Operational Efficiency

Our operational efficiency is reflected in our $0, 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 commitment to supporting your financial goals is evident in our substantial offerings: $35,348 in used auto loans and $3,047,289,259 in total loans and leases empower our members to achieve their dreams across various sectors.

Solid Foundation

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. Whether you're eyeing a reliable used car or a brand-new model, we have financing options tailored for you.

Business Financing

For business owners, our outstanding commercial loans totaling $332,047,461 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to invest in equipment, we have lending solutions that support your business ambitions.

Credit Lines

Additionally, our total credit lines amounting to $1,074,727,648 give you the flexibility to access funds as needed without the hassle of reapplying each time. This option is perfect for those who want quick access to cash for unexpected expenses or planned purchases. At United, we're committed to providing personalized service and expert advice to help you navigate your borrowing options effectively. For any questions about eligibility or refinancing options, don't hesitate to reach out. You can contact us at (888) 982-1400, or visit us at our branch located at 2819 S State St Saint Joseph Mi 49085 in Saint Joseph, MI. We're here to assist you every step of the way!

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 provide competitive rates and flexible terms that can fit your budget and lifestyle. If you're considering refinancing your current mortgage, our team is here to guide you through the process.

Unsecured Credit Card Loans

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. Our credit cards come with rewards and benefits designed to enhance your purchasing power while keeping your financial health in check.

Loan Aggregator

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UNITED FEDERAL CREDIT UNION