United Credit Union Saint Joseph MI | Convenient ATM Access

Introduction

Welcome to United, your trusted partner in financial success! Located at 150 Hilltop Rd, Saint Joseph, MI 49085, our branch has been serving the community since 1949. With a commitment to providing exceptional service and support, we proudly serve a robust membership base of 192,997 members. At United, we understand that each member's financial journey is unique. That's why we offer personalized solutions to meet your needs. Whether you're looking for loans, savings accounts, or business services, we've got you covered with over $4.1 billion in total assets and a strong net worth of $457,241,625. Our dedicated team of 726 employees, led by CEO Terry O'Rourke and Board President Troy Tolle, is here to guide you every step of the way. While members can visit us at our Hilltop location, official correspondence should be sent to the same address: 150 Hilltop Road, St Joseph, MI 49085. With total deposits reaching $301,665,562 and cash on hand amounting to $28,466,527, we are well-equipped to help you achieve your financial goals. Explore our range of services today by visiting our website at unitedfcu.com or call us at 888-982-1400 during our lobby hours from Monday to Friday, 8:30 AM to 5:00 PM. At United, we are not just a credit union; we are a community-focused organization dedicated to your financial well-being!

Branch History & Mission

Commitment to Service

While members can visit us at 150 Hilltop Rd, official correspondence should be sent to 150 Hilltop Road, St Joseph, MI 49085 if necessary. We're open Monday through Friday from 8:30 AM to 5:00 PM, offering ATM services for your convenience. Although we do not have drive-thru banking available at this location, our friendly staff is always ready to assist you inside. Our commitment extends beyond traditional banking; we ensure that all members have access to modern conveniences like online banking, mobile payments, and electronic statements. We strive for accessibility with ADA compliance in mind so everyone can benefit from our services.

Join Us

As United continues its journey into the future, we invite you to be part of our family. Experience firsthand how we prioritize your needs while contributing positively to the community around us. Together, let's build a brighter financial future! For more information or to become a member today, call us at 888-982-1400 or visit our website. Your journey towards financial empowerment starts here with United!

Our Mission

At the heart of United's mission is a deep-seated belief that every member deserves the chance to achieve their financial goals. We are dedicated to providing exceptional financial services while fostering community support and development. Our mission statement emphasizes not just banking but building relationships based on trust and shared success. We understand that financial literacy and support go hand-in-hand with economic empowerment. That's why we actively engage in community outreach programs and partnerships aimed at enhancing the well-being of those we serve. Whether it's through educational workshops or local sponsorships, we aim to uplift our community as a whole.

Branch Location & Accessibility

Parking and Accessibility

Parking at our branch is hassle-free, with ample spaces available for all members. We also ensure that our facilities meet ADA compliance standards, so everyone can access our services comfortably. If you have any special requirements or need assistance when you visit, just let us know we're here to support you!

Services and Features

While visiting United, you'll find that we offer convenient ATM services right at the location. Unfortunately, we currently do not have drive-thru banking available; however, our ATMs provide basic access for withdrawals and balance checks to serve your needs efficiently. For official correspondence, please send your mail to 150 Hilltop Road, St Joseph, MI 49085. This ensures that all your communications reach us without delay. We invite you to come by and experience the welcoming atmosphere at United. Our dedicated staff is ready to assist you with all your financial needs. Feel free to drop in or give us a call we look forward to serving you!

Member Eligibility

At United, we believe that everyone deserves a place in our community. Becoming a member is an exciting opportunity to join a supportive family focused on your financial well-being. If you're looking to be part of something special, you'll find that eligibility is open to anyone who lives, works, worships, or attends school in our local area. Plus, if you have family members who are already part of our credit union, you can join too! For more detailed eligibility criteria, feel free to visit our website at https://www.unitedfcu.com/products-and-services/banking/savings-accounts/membership-savings-account . Getting started with us is simple and welcoming! Just drop by our branch located at 150 Hilltop Rd Saint Joseph Mi 49085, or give us a call at (888) 982-1400 for assistance. You can also begin the account opening process online by visiting https://online.unitedfcu.com/unitedfederalcredituniononline/sdk/autoenrollmente2e/forgotlogin . Join us today and enjoy the benefits of being a member at United where your financial goals are our top priority!

Business Banking & Commercial Services

Business Loans That Fuel 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 That Simplify Transactions

Imagine a bustling local café that needs a simple way to accept payments from customers. Our merchant services provide reliable payment processing solutions that allow businesses to focus on what they do best serving their customers. With easy setup and dedicated support, you can streamline transactions while enhancing customer satisfaction. Located at 150 Hilltop Rd Saint Joseph Mi 49085 in Saint Joseph, MI, we're here to partner with you on your business journey. For more information, give us a call at (888) 982-1400. Let's build something great together!

Comprehensive List Of Services

Digital Banking Features

In today's fast-paced world, digital banking is essential. That's why at United, we prioritize easy access through various online platforms. With features like online banking and mobile payments, you can check your account balances, transfer funds, and make payments right from your smartphone or computer. We understand that life can be busy, so we've made it simple for you to stay on top of your finances anytime and anywhere.

Join Us Today!

Explore all that United has to offer by visiting us at 150 Hilltop Rd Saint Joseph Mi 49085 in Saint Joseph, MI. Whether you're new to the area or looking for a better banking experience, we welcome you to become part of our community. Discover how we can support your financial journey today! For more information about membership eligibility and services, check out our website at https://unitedfcu.com/. We look forward to serving you!

Member-Centric Approach

Your needs are at the heart of what we do. Whether you're saving for a big purchase or planning for retirement, our team is here to guide you through every step. We believe in building lasting relationships with our members based on trust and transparency. If you have questions or need assistance, don't hesitate to reach out to us at (888) 982-1400 during our lobby hours from Monday to Friday, 8:30 AM to 5:00 PM.

Personalized Banking Solutions

Understanding that everyone has unique financial goals, we offer services designed to help you achieve them. If you're looking for convenient access to cash, our ATM Services Only allows for basic ATM access, including withdrawals and balance checks. This means whether you're running errands or enjoying a day out, you can easily manage your money on-the-go.

Digital & Online Banking

Accessibility and Ease-of-Use

We pride ourselves on providing services that are accessible to everyone. With real-time account management and intuitive navigation, our online banking system is designed for users of all ages. Whether you're tech-savvy or just getting started with digital banking, you'll find it straightforward and efficient. In summary, United's digital and online banking services provide you with the tools you need to take control of your financial life while keeping security at the forefront. Visit us today at https://unitedfcu.com/ and explore how easy banking can be!

Key Services Available

With our online banking, you can check your account balance, pay bills, and transfer funds all from the comfort of your device. Our mobile application enhances this experience, allowing you to manage your finances wherever life takes you. Plus, with features like person-to-person transfers, sending money to friends and family is quick and easy. Security is a top priority at United. We offer electronic signature authorization, ensuring that your transactions are safe and verified. Additionally, e-statements are available to help you keep track of your finances without the clutter of paper statements. For those who prefer using their mobile devices for payments, our mobile payments feature allows you to make purchases seamlessly. Imagine paying for coffee or groceries with just a tap it's that simple!

Financial Strength

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 is robust; with $35,348 in used auto loans and $3,047,289,259 in total loans and leases, we support our members' financial goals across various sectors. Our operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. Additionally, we take pride in having 717 full-time employees and 9 part-time employees ready to assist you with knowledgeable service.

Growing Member Base

Our commitment to our members is evident with a total of 439,336 share accounts. This growing member base trusts us with their finances, reinforcing our position as a reliable partner in your financial journey. 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 150 Hilltop Rd Saint Joseph Mi 49085 or call (888) 982-1400 to learn more about how we can help you achieve your financial goals.

Member Savings Secured

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 Net Worth and Ratios

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 financing options that make it easy to drive away with confidence, whether you're purchasing a brand-new model or a reliable used vehicle.

Commercial Loans

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 enhance an existing one, our team is here to support your business aspirations. In addition to these offerings, we encourage members interested in refinancing or exploring eligibility options to reach out for personalized assistance. We are committed to helping you find the best solutions for 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. At United, we prioritize transparency and aim to empower our members with information that helps them make informed decisions. Come visit us today and see how we can assist you!

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 strive to help you find the right fit for your budget, ensuring you can invest in the place you call home.

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. This option provides you with the freedom to make purchases when needed while keeping your financial health intact.

Loan Aggregator

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UNITED FEDERAL CREDIT UNION