United Credit Union Mishawaka IN | Best Auto Loans & Business Banking

Introduction

Welcome to United, your trusted financial partner located at 4840 N Main St, Mishawaka, IN 46545. Established in 1949, we have proudly served our community for over seven decades. With a robust membership base of 192,997 individuals, we are dedicated to empowering our members with exceptional financial services tailored to meet their unique needs. At United, we understand that your financial journey matters. That's why we've built a solid foundation with total assets exceeding $4.12 billion and total deposits of $301,665,562. Our commitment to responsible lending is reflected in our portfolio of 111,125 loans and leases, ensuring that our members have access to the resources they need for personal and business growth. We invite you to experience the difference that comes from being part of a community-focused credit union. Under the leadership of our CEO, Terry O'Rourke, and Board President, Troy Tolle, we strive to provide friendly service and expert guidance at every step. Whether you're looking for personal banking solutions like checking accounts or auto loans, or you're interested in business financing options, we're here to help. While members can visit us at our branch location in Mishawaka, official correspondence should be directed to our mailing address: PO Box 125, St Joseph, MI 49085. For any inquiries or assistance, don't hesitate to reach out at 888-982-1400. Join us today and discover how United can support your financial goals. Visit us online at [unitedfcu.com]( https://www.unitedfcu.com ) or stop by our branch we're excited to assist you!

Branch History & Mission

A Legacy of Growth and Service

Located at 4840 N Main St Mishawaka, IN 46545, our branch has evolved significantly over the years. What started as a small credit union has blossomed into a trusted financial institution with a total membership of nearly 193,000. Today, we manage assets totaling over $4.1 billion, reflecting our commitment to fostering financial well-being within our community. Our headquarters are situated in St Joseph, MI, but our heart is firmly planted in Mishawaka. We are proud to offer convenient services like drive-thru banking and ATM access for those on the go. Our operating hours are designed with your schedule in mind: we're 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.

Community Commitment

Community is at the core of everything we do. From partnerships with local organizations to outreach efforts aimed at improving financial literacy, we strive to make a positive impact on those around us. We understand that each member's success contributes to the overall health of our community. While members can visit us at 4840 N Main St Mishawaka In 46545, official correspondence should be sent to PO Box 125, St Joseph, MI 49085 if needed.

Join Us Today!

We invite you to experience the benefits of being part of United. With a wide range of personal and business banking solutions tailored to meet your needs, there's never been a better time to join us. Whether you're looking for savings accounts or loans, we're here for you. Call us today at (888) 982-1400 or visit us online at [unitedfcu.com]( https://unitedfcu.com/ ) to learn more about how we can help you reach your goals!

Our Mission

At United, our mission is clear: we aim to enrich lives through exceptional financial services while supporting our community every step of the way. We believe in not just serving our members but uplifting them whether that means helping you secure an auto loan, offering personalized banking options, or providing assistance through community outreach programs. We take pride in being more than just a bank; we are partners in your financial journey. Our initiatives focus on making banking easier and more accessible for everyone. With services like online banking and mobile payments, we ensure that managing your finances fits seamlessly into your life.

Branch Location & Accessibility

Connect With Us

If you have any questions or would like more information about our services, don't hesitate to give us a call at 888-982-1400. We'd love for you to visit us soon! Let United be part of your financial future come see how we can help today!

Getting Here

Parking is available right outside our door, ensuring that your visit is hassle-free. Our location is designed with accessibility in mind, featuring ADA-compliant ramps and entrances so that everyone can enjoy our services comfortably.

Operating Hours

We understand that life can be busy. That's why we're here to serve you during convenient hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 5:30 PM, and Saturday from 9 AM to noon. Whether you need help with personal banking or just want to chat about your financial goals, our team is ready to assist you.

Services Available

At United, we offer a wide range of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we're equipped to help you navigate your financial journey. If you're in need of cash quickly, we have an ATM on-site for your convenience. Plus, our drive-thru service makes it easy for you to handle simple transactions without leaving your car. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to PO Box 125, St Joseph, MI 49085 if different from our address.

Member Eligibility

At United, we believe that everyone deserves a place in our community. Becoming a member is easy and welcoming! If you live, work, or go to school in certain areas or are affiliated with specific organizations, you're likely eligible to join us. We're here to support your financial journey with personalized services and resources tailored just for you. Plus, being part of United means you can enjoy benefits like competitive rates on loans and savings accounts, as well as access to exclusive member events. To learn more about eligibility requirements and see if you qualify, please check out our detailed information at https://www.unitedfcu.com/products-and-services/banking/savings-accounts/membership-savings-account . Ready to take the next step? Opening an account is simple just visit us online at https://online.unitedfcu.com/unitedfederalcredituniononline/sdk/autoenrollmente2e/forgotlogin , or give us a call at (888) 982-1400. We look forward to welcoming you to the United family!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine a local café using our merchant services to streamline payments. With easy-to-use point-of-sale systems, they can focus more on crafting delicious treats rather than managing transactions. Our services allow businesses like yours to enhance customer experiences while simplifying operations. Located at 4840 N Main St Mishawaka In 46545 in Mishawaka, IN, our team is ready to help you explore the financial solutions that fit your goals. Reach out today at (888) 982-1400 and let's make your business thrive!

Tailored 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.

Comprehensive List Of Services

Business Banking Services

For our business members, we provide a variety of services including Merchant Services & Business Loans. Whether you're starting a new venture or expanding an existing one, we're dedicated to supporting local businesses in achieving success.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. Our Online & Mobile Banking services allow you to manage your accounts anytime, anywhere. You can easily check balances, transfer money, and pay bills right from your smartphone or computer. Additionally, our branch features an ATM & Cash Withdrawal Services, ensuring you have access to cash when needed. If you're in a hurry or prefer not to enter the branch, our Drive-Thru Banking allows for quick deposits and withdrawals without leaving your car.

Credit Options

At United, we understand the importance of having access to credit when needed. That's why we offer Credit Cards with Rewards, allowing you to earn points on purchases while enjoying great benefits.

Personal Banking Solutions

When it comes to managing your everyday finances, our Personal Banking options are tailored just for you. We offer Checking & Savings Accounts that help you save for the future while giving you easy access to your money. Imagine having a secure place for your funds and earning interest on savings this is what we strive to provide. Need a new vehicle? Our Auto Loans & Vehicle Financing make it simple to get behind the wheel of your dream car. With competitive rates and flexible terms, financing your next ride is within reach. Additionally, if you're considering home ownership or refinancing, our Mortgage Loans & Refinancing services can guide you through the process smoothly. For those unexpected expenses or plans that require extra cash, look no further than our Personal Loans & Debt Consolidation options. We're here to help streamline your payments and lighten your financial load.

Shared Branching Opportunities

As part of a larger network, we also offer Basic Shared Branch Transactions, enabling partner credit union members to perform transactions like deposits and withdrawals with ease.

Visit Us Today!

With all these services available at United, we are dedicated to making banking easier and more accessible for everyone in our community. If you have any questions or want to learn more about how we can assist you, don't hesitate to give us a call at (888) 982-1400 or visit us at our branch location. We look forward to serving you!

Digital & Online Banking

Always Here for You

Your financial needs don't stop when the clock strikes five; that's why our online banking services are available around the clock. Whether it's day or night, you can rely on us for real-time account management whenever you need it. Experience how simple banking can be with United your trusted partner for all things financial!

Key Services

Visit us at https://unitedfcu.com/ to explore our full range of online banking features. Our platform allows you to manage your accounts effortlessly, whether it's checking your balance, transferring funds, or paying bills. You can also enjoy the benefit of electronic signature authorization, which means you can sign documents quickly and securely without needing to visit a branch. If you prefer going paperless, our e-statements are available for easy access and management. This feature not only helps you stay organized but also contributes to environmental sustainability by reducing paper waste.

Mobile Banking Made Easy

For those who are always on the move, our mobile application is a game-changer. You can make mobile payments with just a few taps on your phone, simplifying your transactions significantly. Additionally, if you need to send money to friends or family, our person-to-person transfer option makes it quick and hassle-free. With all these services at your fingertips, managing your finances has never been easier. Whether you're checking account balances or making payments from anywhere in Mishawaka or beyond, United ensures that your experience is both secure and user-friendly.

Financial Strength

Commitment to Service

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.

Growing Trust

With a total of 439,336 share accounts, our strong and growing member base trusts us with their finances. The funds available for lending and investments stand at $0, further showcasing our commitment to supporting our community's 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 4840 N Main St Mishawaka In 46545 or call (888) 982-1400 to learn more about how we can help you achieve your financial goals.

Investment in 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 supports your financial goals across various sectors, as shown by our $35,348 in used auto loans and $3,047,289,259 in total loans and leases.

Member-Centric Resources

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 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

Additional Information

If you're considering refinancing options or want to know about eligibility requirements, please visit our website or contact us at (888) 982-1400. Our friendly team is always ready to help you navigate through all available options. 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're committed to helping our members succeed financially with reliable loan products that meet various needs. Whether it's a new car, your dream home, or managing expenses with a credit card, we've got you covered!

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 flexible terms and competitive rates that make financing your vehicle straightforward and affordable.

Business Loans

For business owners, our outstanding commercial loans totaling $332,047,461 provide the capital needed to grow and expand. We understand the unique challenges faced by small businesses and are committed to offering financial solutions tailored to your needs.

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. Whether you are purchasing your first home or looking to refinance an existing mortgage, our team is here to assist you every step of the way.

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 that suit your lifestyle, making it easier for you to earn while you spend.

Loan Aggregator

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United

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Student Loans

Vehicle Loans

Introduction

Branch History & Mission

A Legacy of Growth and Service

Community Commitment

Join Us Today!

Our Mission

Branch Location & Accessibility

Connect With Us

Getting Here

Operating Hours

Services Available

Member Eligibility

Business Banking & Commercial Services

Merchant Services That Matter

Tailored Loan Options

Comprehensive List Of Services

Business Banking Services

Convenient Digital Banking Features

Credit Options

Personal Banking Solutions

Shared Branching Opportunities

Visit Us Today!

Digital & Online Banking

Always Here for You

Key Services

Mobile Banking Made Easy

Financial Strength

Commitment to Service

Growing Trust

Investment in Growth

Member-Centric Resources

Strong Financial Health

Loan Offering

Additional Information

Auto Loans

Business Loans

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

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