United Financial Saginaw MI Credit Union | Top Business Banking & Auto Loans

Introduction

Welcome to United Financial, where your financial wellbeing is our top priority. Located at 2510 Weiss St, Saginaw, MI 48602, we have been serving our community since 1964. With a strong commitment to our members, we pride ourselves on being more than just a credit union; we're a partner in your financial journey. At United Financial, our membership has grown to over 22,179 individuals, all benefiting from our focus on personal service and community involvement. We manage total assets of approximately $316,672,459, with total deposits reaching $11,313,917. Our mission is to empower you through various services including checking and savings accounts, auto loans, mortgages, and business banking solutions. Our dedicated team of 78 employees, led by CEO Barbara Appold and Board President Edward Ulmer, is here to assist you every step of the way. Whether you're looking for advice on loans or seeking help with your everyday banking needs, we are committed to providing reliable support tailored to you. While members can visit us at 2510 Weiss St, official correspondence should be sent to the same address for your convenience. Feel free to reach us at 989-777-3620 during our operating hours: Monday through Friday from 9:00 AM to 5:00 PM. We invite you to explore the various ways we can support your financial goals. Visit our website at unitedfinancialcu.org for more information or stop by today! Let's work together towards a brighter financial future.

Branch History & Mission

Community Engagement

Our commitment extends beyond banking; it encompasses active involvement in the Saginaw community. We regularly engage in partnerships with local organizations and participate in outreach programs aimed at enhancing the quality of life for all residents. We believe that by supporting local initiatives and charities, we contribute to the overall wellbeing of our community. As we look toward the future, we remain focused on embracing digital advancements while ensuring that all services are accessible to everyone. Our online banking platform allows you to manage your finances anytime and anywhere. Join us today! Experience the benefits of being part of United Financial Credit Union where you're more than just an account number; you're family. Visit us or call us at (989) 777-3620 to learn how we can help you achieve your financial goals!

Our Mission

At United Financial, our mission is simple yet profound: to empower our members through accessible financial services while fostering a spirit of community support. We believe that everyone deserves a chance at financial success. That's why we focus not just on transactions but also on building lasting relationships with our members. Whether it's helping someone secure their first auto loan or guiding a family through homeownership, we are dedicated to making those dreams come true. While members can visit us at 2510 Weiss St Saginaw Mi 48602, official correspondence should be sent to 2510 Weiss St, Saginaw, MI 48602. We pride ourselves on being a member-centric organization that prioritizes your needs. Our operating hours are Monday through Friday from 9:00 am to 5:00 pm, with convenient ATM availability and drive-thru banking for quick access to your funds.

Branch Location & Accessibility

Nearby Landmarks and Accessibility

You can find us near popular local spots, making it easy to drop in while running errands or enjoying a day out. Our location is well-connected and accessible, ensuring that all members can visit us without hassle. We also have ample parking available right outside the branch, so you won't have to worry about finding a spot when you arrive. At United Financial, we prioritize accessibility for everyone. Our branch meets ADA standards and includes features such as ramps and spacious entrances to ensure a smooth experience for all visitors.

Operating Hours and Services

We're here for you Monday through Friday from 9:00 am to 5:00 pm. Need help outside of these hours? Feel free to give us a call at 989-777-3620, and one of our friendly representatives will be happy to assist you. In addition to personal banking services like checking and savings accounts, auto loans, and mortgages, we offer a drive-thru service for quick deposits and withdrawals. Plus, with ATM availability on-site, accessing your cash has never been easier! While members can visit us at 2510 Weiss St for all their banking needs, official correspondence should be sent to the same address as our mailing address is also 2510 Weiss St, Saginaw, MI 48602. We invite you to come see us at United Financial! Whether you're interested in opening an account or just want to learn more about our services, we're here to help. Stop by today!

Member Eligibility

At United Financial, we believe that becoming a member is like joining a warm, welcoming family that supports your financial journey. If you live, work, worship, or attend school in Saginaw County, you're already on the path to membership! Our eligibility criteria are designed to be inclusive and straightforward. You can check out the full details at https://unitedfinancialcu.symapp.jhahosted.com/ ?application_type=membership for any specific requirements. Joining us not only opens the door to great financial services but also connects you with a community that genuinely cares about your well-being. Opening an account is easy and convenient. You can start the process by visiting us online at https://www.unitedfinancialcu.org/apply-for-a-loan/ or give us a call at (989) 777-3620 if you have any questions. We're here Monday through Friday from 9:00 am to 5:00 pm, ready to assist you in making the best choices for your financial future. Welcome to the United Financial family!

Business Banking & Commercial Services

Business 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 $10 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $26 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $603,360, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Transactions Easy

Imagine running your shop and never having to worry about how your customers pay you. Our merchant services simplify transactions, making it easy for you to accept payments efficiently. With the right tools at your fingertips, you can focus on what truly matters growing your business. Located at 2510 Weiss St Saginaw Mi 48602 in Saginaw, MI, our team is here to guide you through every step of the process. Call us at (989) 777-3620 or visit us online at United Financial Credit Union to learn more about how we can help your business thrive!

Comprehensive List Of Services

Business Banking Solutions

For those venturing into entrepreneurship, our Business Banking services, including Merchant Services and Business Loans, are designed with your success in mind. We aim to empower local businesses by offering resources that help them grow.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we prioritize digital banking features like Online & Mobile Banking, allowing you to manage your accounts from anywhere at any time. You can easily check balances, transfer funds, and pay bills with just a few clicks. Plus, our ATM & Cash Withdrawal Services ensure you have access to cash when you need it most without unnecessary hassle.

Drive-Thru and ATM Access

If you prefer face-to-face interactions for quick transactions, take advantage of our Basic Drive-Thru Banking for deposits and withdrawals. Our ATMs also offer easy access for balance checks and cash withdrawals without stepping inside. At United Financial, we believe that banking should be straightforward and accessible for everyone in the community. For any questions or assistance with our services, don't hesitate to reach out at (989) 777-3620 or visit us during lobby hours from Monday to Friday between 9:00 am and 5:00 pm. We invite you to explore how we can serve your financial needs better. Visit us online at United Financial Credit Union for more information or apply for an account today!

Personal Banking Made Easy

We understand that managing your finances is essential, which is why we offer various personal banking solutions. From Checking & Savings Accounts that help you keep track of your daily expenses and savings goals, to Auto Loans & Vehicle Financing designed to get you behind the wheel without breaking the bank. Whether you're eyeing a new car or need reliable transportation, our competitive rates make it simple. If you're considering home ownership or looking to refinance, our Mortgage Loans & Refinancing options provide flexible terms tailored just for you. And if life throws unexpected expenses your way, our Personal Loans & Debt Consolidation services can help alleviate financial stress.

Rewarding Credit Options

Our credit cards come with rewarding features that allow you to earn points on every purchase. Enjoy the benefits while managing your spending effectively.

Digital & Online Banking

Key Features

Security is a top priority for us. Our electronic signature authorization allows you to sign documents safely and conveniently from the comfort of your home. Plus, with e-statements available, you can manage your account statements electronically no more paper clutter! For those who enjoy using their smartphones, our mobile application makes banking even more accessible. You can perform everyday transactions on the go and stay updated on your account activity. Though we currently do not support mobile payments, we do provide person-to-person transfers, allowing you to send money quickly and easily to friends or family. Overall, our digital banking services are designed to be user-friendly and efficient. By choosing United Financial, you're opting for a hassle-free way to keep track of your finances while enjoying peace of mind with our secure systems. Experience the future of banking today!

Financial Strength

Commitment to Innovation

With $30,059,921 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to lending is reflected in our portfolio, with $3,639 in used auto loans and $193,241,041 in total loans and leases available to support your financial goals across various sectors.

Growing Trust

The trust you've placed in us is evidenced by our growing membership base of 47,987 accounts. We believe this reflects our commitment to being a reliable partner for all your banking needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, United Financial is your trusted partner. Visit us at 2510 Weiss St Saginaw Mi 48602 or call (989) 777-3620 to learn more about how we can help you achieve your financial goals.

Member Savings

Your savings are secured through $74,857,797 in share certificates and $71,701,180 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members' interests. With non-member deposits at $0, 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 highlighted by a net income of $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We're proud to have 55 full-time employees and 23 part-time employees who are dedicated to serving you with expertise and care.

Our Financial Health

With a net worth of $34,338,598, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid footing is further illustrated by our net worth ratio of $1,083, demonstrating a robust capital foundation. This ensures 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 $52,726,257 in used vehicle loans and $12,081,074 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, our competitive rates make it easier than ever to drive away satisfied.

Business Financing

For business owners, our outstanding commercial loans totaling $603,360 provide the capital needed to grow and expand your business. Whether you need funding for equipment purchases or operational costs, our team is ready to assist with your business financing needs. At United Financial located at 2510 Weiss St Saginaw Mi 48602, we prioritize helping our members succeed financially. For more information on eligibility options and refinancing opportunities, feel free to contact us at 989-777-3620 or visit our website at unitedfinancialcu.org. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $9,862,698, providing you with the opportunity to secure the home of your dreams or refinance for better terms. Our team is here to guide you through every step of the process.

Unsecured Credit Card Loans

Managing daily expenses can be challenging. We also offer flexible terms on unsecured credit card loans to help you maintain control of your finances. While currently there are no outstanding unsecured credit card loans issued, our commitment to offering effective financial solutions remains strong.

Loan Aggregator

Benefits of Using LendMesh

Using LendMesh comes with several advantages: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in the comparison process. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. Our goal is to provide unbiased results so you can trust the information you see. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can make informed decisions quickly. 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!" Compare real-time loan offers today 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 FINANCIAL CREDIT UNION