United Credit Union Benton Harbor MI | Affordable Auto Loans & Business Banking

Introduction

Welcome to United, your trusted financial partner since 1949. Located at 724 E Napier Ave, Benton Harbor, MI 49022, we are proud to serve a vibrant community of over 192,997 members. As a credit union with a strong commitment to our members, we understand that you deserve personalized service and competitive financial solutions tailored to your needs. At United, we believe in the power of community. Our assets total an impressive $4,127,673,172, allowing us to provide a wide range of services including auto loans, mortgages, and personal banking options. With $301,665,562 in deposits and a net worth of $457,241,625, we ensure your funds are secure while offering the flexibility you need for your financial journey. Our dedicated team of 726 employees, led by CEO Terry O'Rourke and Board President Troy Tolle, is here to support you every step of the way. We take pride in our ability to offer comprehensive banking services that include online banking and mobile payments for your convenience. Whether you're looking for a new vehicle loan or want to explore savings options, we're here for you. While members can visit us at our branch location, official correspondence should be sent to our mailing address: P.O. Box 125, Saint Joseph, MI 49085. Join us today and experience the difference a member-focused credit union can make in your financial life! For more information or assistance, feel free to call us at 888-982-1400 or visit our website at [unitedfcu.com]( https://www.unitedfcu.com ). We're excited to help you achieve your financial goals!

Branch History & Mission

Community Engagement

We are more than just a financial institution; we are part of the fabric of Benton Harbor. From sponsoring local events to participating in community service projects, our team is dedicated to giving back. With features like ADA compliance and shared service centers available for broader access, we ensure that everyone in the community can benefit from our offerings. In addition to traditional banking services, you can take advantage of modern conveniences such as online banking and mobile payments making your experience with us as smooth as possible.

Join Us

As we look toward the future at United, we invite you to join us on this journey. Experience firsthand how a credit union can make a difference in your life and your community. Visit us today or learn more about membership options by calling (888) 982-1400 or checking out our website at [unitedfcu.com]( https://unitedfcu.com ). Together, let's build a brighter financial future!

Mission Statement

At United, our mission is clear: we aim to empower our members financially while actively contributing to the well-being of our community. We believe in not just providing banking services but also offering support through education and outreach initiatives. By partnering with local organizations and schools, we strive to make a lasting impact beyond just financial transactions. While members can visit us at 724 E Napier Ave Benton Harbor Mi 49022, official correspondence should be sent to P.O. Box 125, Saint Joseph, MI 49085 if necessary. Our operating hours are designed to accommodate busy schedules: Monday through Thursday from 9 AM to 5 PM, Friday until 5:30 PM, and Saturday from 9 AM to noon for drive-thru service only.

Our Evolution

From our humble beginnings, United has blossomed into a robust institution with over 192,997 members and total assets of $4,127,673,172. Our branch is conveniently located at 724 E Napier Ave, just a stone's throw away from local landmarks that make Benton Harbor unique. This prime location allows us to be easily accessible for those seeking personal banking services. As we evolved through the years, we've embraced technology while maintaining our commitment to face-to-face interactions. We understand that while digital banking is essential today, many members still appreciate the personal touch that comes with visiting their credit union. That's why we offer various services including auto loans, mortgages, and credit cards with rewards all designed to meet the diverse needs of our membership.

Branch Location & Accessibility

Accessibility Features

At United, we prioritize accessibility for all our members. Our branch is fully ADA-compliant, featuring ramps and wide doorways to accommodate everyone comfortably. We understand that convenience matters, which is why we also offer a drive-thru banking option for quick transactions without leaving your vehicle.

Get In Touch!

Have questions or need assistance? Don't hesitate to call us at 888-982-1400. We're here to help you navigate your financial journey with ease and confidence. Come visit us today at United in Benton Harbor we look forward to welcoming you!

Operating Hours

We know your time is valuable! That's why we have extended hours designed to fit your busy schedule. Our lobby is open Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 5:30 PM, and Saturday from 9 AM until noon for drive-thru services only. Our friendly staff is eager to assist you during these times.

Services Offered

At United's Benton Harbor branch, we offer a variety of services to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we aim to serve you in every way possible. Additionally, members can enjoy access to ATMs and basic shared branch transactions for added convenience. While members can visit us at our physical location on E Napier Ave, official correspondence should be sent to P.O. Box 125, Saint Joseph, MI 49085 if necessary.

Member Eligibility

Becoming a member of United is like joining a close-knit community that truly cares about your financial well-being. To qualify for membership, you simply need to meet some friendly criteria that often include living, working, or attending school in certain areas. It's designed to be inclusive, so whether you're a long-time resident or just starting out in the area, there's a good chance you'll fit right in! For specific details about eligibility, feel free to visit our website at https://www.unitedfcu.com/products-and-services/banking/savings-accounts/membership-savings-account . Once you're ready to open an account, the process is straightforward and welcoming. You can find all the information you need about opening an account by visiting https://online.unitedfcu.com/unitedfederalcredituniononline/sdk/autoenrollmente2e/forgotlogin . If you have any questions or need assistance, don't hesitate to reach out to us at (888) 982-1400. We're excited to help you take this important step toward joining the United family at 724 E Napier Ave Benton Harbor Mi 49022!

Business Banking & Commercial Services

Loan Options for Every Business

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 Work for You

In addition to loans, our merchant services streamline payment processing, making transactions easier for both you and your customers. Picture a busy Saturday at your store; with our reliable services, you can accept payments quickly and securely, allowing you to focus on what really matters serving your customers and growing your business. Visit us at 724 E Napier Ave Benton Harbor Mi 49022 in Benton Harbor, MI, or call us at (888) 982-1400 to learn how we can support your business needs today!

Comprehensive List Of Services

Business Banking

If you're a business owner, our business banking services, including merchant services and business loans, are crafted to support your growth. Managing your finances shouldn't be complicated, and we strive to make banking as straightforward as possible for all our members.

Digital Banking Features

We know how important convenience is in today's fast-paced world. That's why we offer robust online and mobile banking platforms. With features like ATM access for cash withdrawals and balance checks, along with person-to-person payment options, managing your finances has never been easier. You can stay connected anytime, anywhere!

Drive-Thru & Shared Services

For those who prefer face-to-face interactions, our basic drive-thru banking allows you to handle deposits, withdrawals, and simple transactions without stepping inside. Plus, if you're a member of another participating credit union, our shared branch transactions enable you to perform deposits and withdrawals seamlessly. At United, we're not just about banking; we're about building relationships that empower our members financially. Whether you're visiting us at 724 E Napier Ave Benton Harbor Mi 49022 or calling us at (888) 982-1400, we're here to help you achieve your financial goals. Ready to take the next step? Visit us today or explore more about what we offer online at [Benton Harbor - Branch 4]( https://unitedfcu.com/ ). Let's work together towards a brighter financial future!

Home Financing

For those looking to buy their first home or refinance an existing mortgage, our mortgage loans and refinancing options are designed to fit your budget. We understand that buying a home is one of the biggest decisions you'll make, and we're here to guide you through every step of the process.

Loans and Credit Options

In addition to auto loans, we provide personal loans and debt consolidation solutions. Life can throw unexpected expenses your way, and having access to funds when you need them is essential. Our credit cards with rewards also give you the chance to earn while you spend, making everyday purchases more rewarding.

Personal Banking

Whether you're opening your first checking account or looking for a safe place to grow your savings, our personal banking services have got you covered. We offer various options for checking and savings accounts that cater to different lifestyles. If you're planning on purchasing a new car, our auto loans and vehicle financing can help make that dream a reality, allowing you to hit the road with confidence.

Digital & Online Banking

Key Features

Security is our top priority. We utilize advanced measures to keep your information safe while providing features like electronic signature authorization, so you can sign documents securely without needing to visit a branch. Additionally, our e-statements are available for those who prefer a paperless option saving you time and helping the environment. For those who love mobile convenience, our mobile application is ready for download! With this app, you can make mobile payments easily and perform person-to-person transfers in seconds. Imagine splitting dinner bills or sending money to friends without having to write a check or carry cash it's that simple! At United, we strive to make banking accessible for everyone. Whether you're tech-savvy or just getting started with digital tools, our services are designed with ease-of-use in mind. From real-time account management to hassle-free transactions, we empower you to handle your banking needs swiftly and efficiently. Explore the benefits of digital banking today at https://unitedfcu.com/ and discover how easy managing your finances can be!

Financial Strength

Growing Together

With a total of 439,336 share accounts, we showcase a strong and growing member base that trusts us with their finances. The funds available for lending and investments stand at $0 net shares, allowing us to effectively manage resources for your benefit. 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 724 E Napier Ave Benton Harbor MI 49022 or call 888-982-1400 to learn more about how we can help you achieve your financial goals.

Member Savings and 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 net income of $0, which enables us to continue offering competitive loan rates and solid financial products for our members. Additionally, we proudly employ 717 full-time employees and 9 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable team.

Our 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 1105 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

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 lending capacity supports members' financial goals across various sectors with $35,348 in used auto loans and a total of $3,047,289,259 in loans and leases.

Loan Offering

Additional Financing Options

For those interested in business financing, our outstanding commercial loans totaling $332,047,461 provide the capital needed to grow and expand. We aim to empower local businesses by offering competitive rates and personalized service. If you're considering refinancing any existing loans or want to know more about eligibility options, don't hesitate to reach out. Our team is here to answer any questions and assist you through every step of the process. For more information about our loan offerings or to discuss your specific needs, please contact us at (888) 982-1400. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step towards achieving your financial goals!

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 financing options that fit your budget, making it easier than ever to drive away in the vehicle you want.

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. Whether you're looking to consolidate debt or make purchases, our credit cards come with benefits designed to support your financial journey.

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 work with you to ensure you understand all your options and can secure a mortgage that meets your needs.

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

Community Engagement

Join Us

Mission Statement

Our Evolution

Branch Location & Accessibility

Accessibility Features

Get In Touch!

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Loan Options for Every Business

Merchant Services That Work for You

Comprehensive List Of Services

Business Banking

Digital Banking Features

Drive-Thru & Shared Services

Home Financing

Loans and Credit Options

Personal Banking

Digital & Online Banking

Key Features

Financial Strength

Growing Together

Member Savings and Security

Operational Efficiency

Our Financial Health

Reinvesting for Your Benefit

Loan Offering

Additional Financing Options

Auto Loans

Credit Card Loans

Mortgage Loans

Loan Aggregator

How LendMesh Ensures Accurate Comparisons

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