United Credit Union Berrien Springs MI | Quick Personal Loans & ATM Access

Introduction

Welcome to United, your trusted financial partner in the heart of Berrien Springs, MI. Located at 9097 Us Highway 31, we have proudly served our community since 1949. With over 192,997 members and $4,127,673,172 in total assets, we are dedicated to providing reliable banking solutions tailored to your needs. Our commitment goes beyond just numbers; it's about fostering a community where you feel valued and supported. Whether you're looking for personal banking options like checking and savings accounts or exploring loans for your next vehicle, we've got you covered. Currently, we manage $301,665,562 in deposits and offer a wide range of services including auto loans, mortgages, and credit cards with rewards. While members can visit us at our branch location in Berrien Springs, official correspondence should be sent to our mailing address: P.O. Box 125, St Joseph, MI 49085. Our team of dedicated professionals, led by CEO Terry O'Rourke and Board President Troy Tolle, is here to ensure you receive personalized service every step of the way. At United, we believe in making banking accessible and straightforward. Our friendly staff is available to assist you during lobby hours Monday through Thursday from 9 AM to 5 PM, Friday until 5:30 PM, and Saturday from 9 AM to 12 PM. Feel free to reach out at 888-982-1400 for any inquiries or assistance. Join us today and experience the difference that comes with being part of a member-focused credit union! Visit our website at [unitedfcu.com]( https://www.unitedfcu.com ) to learn more about our offerings or stop by our branch. We look forward to serving you!

Branch History & Mission

Welcome to United, where our journey began in 1949 in the heart of Berrien Springs, MI. From our humble beginnings, we have grown into a trusted financial institution with a rich legacy of community support and member service. Located at 9097 Us Highway 31, we are proud to serve not just our members, but also the vibrant community around us. Over the years, United has evolved significantly. Today, we proudly boast a membership of nearly 193,000 individuals and total assets exceeding $4.1 billion. Our commitment to providing exceptional financial services has been unwavering, allowing us to adapt and grow alongside our members' needs. We offer a range of products including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. At the core of our mission is a simple yet powerful philosophy: to enhance the financial well-being of our members while fostering a sense of community. We believe in empowering individuals with the tools they need to achieve their financial goals. This commitment is reflected not only in our diverse offerings but also in our various outreach initiatives that support local programs and charities. While you can visit us at 9097 Us Highway 31, official correspondence should be sent to P.O. Box 125, St Joseph, MI 49085 if different from your visit. Our branch features convenient drive-thru banking and ATM services for your ease. We are here to assist you 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. As we look towards the future, we continue embracing digital advancements like online banking and mobile payments while ensuring accessibility for all members. We're dedicated to creating an environment where everyone feels welcome and valued. Join us at United and experience firsthand how we can help you thrive financially while making a positive impact in our community. Together, let's build a brighter future! For more information or to become a member today, call us at 888-982-1400 or visit our website at [unitedfcu.com]( https://unitedfcu.com/ ).

Branch Location & Accessibility

Call to Action

Have questions or need assistance? Don't hesitate to reach out! You can call us at 888-982-1400 or simply drop by the branch. We look forward to welcoming you at United and helping you achieve your financial goals!

Nearby Landmarks and Accessibility

We're proud to be part of the Berrien Springs community, close to local landmarks that make our location even more appealing. Just a short drive away from popular spots like the Berrien Springs Village Park, we are in a central area where members can easily access our services. Accessibility is a top priority for us. Our branch is equipped with ADA-compliant features, including ramps and designated parking spaces, ensuring that everyone can visit us comfortably. Plus, we offer convenient drive-thru banking for quick transactions without leaving your vehicle.

Operating Hours and Services

At United, we understand that life can be busy. That's why we offer flexible hours to fit your 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 drive-thru service only on Saturdays. Our dedicated team is here to assist you with a wide range of services, including personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. We also provide online and mobile banking for those who prefer handling their finances on the go. If you're a member of another participating credit union, feel free to utilize our shared service center for basic transactions.

Member Eligibility

At United, we believe that everyone deserves a chance to be part of a supportive financial community. Becoming a member is easy and welcoming! If you live, work, or attend school in the areas we serve, you're likely eligible to join us. We're dedicated to providing our members with fantastic benefits like personalized service, competitive rates, and a range of financial products designed just for you. For the most accurate and up-to-date eligibility details, feel free to check out our website at https://www.unitedfcu.com/products-and-services/banking/savings-accounts/membership-savings-account . Once you find out that you're eligible, opening an account is a breeze! Just visit us at our branch located at 9097 Us Highway 31 Berrien Springs Mi 49103 or give us a call at (888) 982-1400. You can also start the process online by visiting https://online.unitedfcu.com/unitedfederalcredituniononline/sdk/autoenrollmente2e/forgotlogin . We can't wait to welcome you into the United family!

Business Banking & Commercial Services

Member and Non-Member Commercial Loans

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

In addition to loans, we offer essential merchant services that make transactions easier for you and your customers. Imagine having access to secure payment processing tools that streamline sales and enhance customer satisfaction. Our services can help you accept payments seamlessly, allowing you to focus more on what matters growing your business. Visit us at 9097 Us Highway 31 Berrien Springs Mi 49103 in Berrien Springs, MI, or call us at (888) 982-1400 to learn how we can support your business journey today!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Our ATM & Cash Withdrawal Services are available at various locations, giving you quick access to your funds whenever necessary.

Auto Loans & Vehicle Financing

Are you dreaming of a new car? Our Auto Loans & Vehicle Financing solutions make it simple and affordable. With competitive rates and flexible terms, you'll be on the road in no time. We also offer refinancing options if you're looking to lower your monthly payments or reduce interest rates.

Business Banking

Running a business comes with its own set of challenges. That's why our Business Banking services include merchant services and business loans tailored for entrepreneurs like you. We strive to provide solutions that help your business thrive in today's competitive market.

Credit Cards with Rewards

For those who love earning rewards on their purchases, our Credit Cards with Rewards program allows you to earn points for every dollar spent. Whether it's for travel, shopping, or dining out, these rewards can enhance your everyday spending experience.

Drive-Thru Banking

For those who prefer face-to-face interactions but are short on time, our Basic Drive-Thru Banking offers quick service for deposits, withdrawals, and other simple transactions without leaving your car. At United, we believe in making banking as simple as possible while providing excellent service tailored just for you. If you're ready to explore how we can support your financial journey or if you have any questions about our offerings, don't hesitate to reach out! Call us at (888) 982-1400 or visit us at 9097 Us Highway 31 Berrien Springs Mi 49103 in Berrien Springs today!

Mortgage Loans & Refinancing

Buying a home is a significant milestone, and at United, we offer Mortgage Loans & Refinancing options that help make this process smoother for you. We guide you through each step, ensuring you find the right mortgage product that fits your budget and lifestyle.

Online & Mobile Banking

In today's fast-paced world, convenience is key. Our Online & Mobile Banking features allow members to manage their accounts anytime and anywhere. Whether it's through making deposits via mobile app or accessing e-statements online, we're here to ensure banking is easy.

Personal Banking

For those just starting out or looking to manage their everyday finances, our Personal Banking options include checking and savings accounts designed to fit your lifestyle. Imagine having easy access to your funds through our online and mobile banking platforms. You can check balances, make transfers, and even pay bills right from your smartphone.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or want to consolidate debt, our Personal Loans & Debt Consolidation services provide the financial relief you need. We take the time to understand your situation and help create a manageable repayment plan that works for you.

Digital & Online Banking

Key Features

Our online banking service offers 24/7 access, allowing you to view your account balances, transfer funds, and pay bills whenever it suits you. With electronic signature authorization available, you can complete transactions securely without needing to visit a branch. Plus, enjoy the ease of e-statements, which means no more paper clutter your statements are just a click away! For those who prefer mobile banking, we offer a user-friendly mobile application that keeps your financial information at your fingertips. You can even make mobile payments easily and securely from your phone. Need to send money to friends or family? Our person-to-person transfer feature lets you do that in moments.

Security and Accessibility

At United, we prioritize your security. Our online banking services use advanced encryption technology to keep your personal information safe. And with our easy-to-navigate interface, managing your finances is not only secure but also straightforward. Whether you're checking balances while waiting in line or making important transactions late at night, our services are designed for your lifestyle. Join us today and experience the freedom of banking on your terms with United!

Financial Strength

A Strong Community Trust

Our growing member base is evident with a total of 439,336 share accounts, showcasing the trust placed in us by our community. Together, we're building a financially secure future for everyone involved. 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 9097 Us Highway 31 Berrien Springs Mi 49103 or call (888) 982-1400 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

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. This commitment to growth is reflected in our lending capacity as well; 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.

Member-Centric Savings and Investments

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 highlighted by a net income of $0, which enables 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 dedicated to providing you with knowledgeable service.

Our Solid Financial Foundation

With a net worth of $457,241,625, we maintain robust 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. We've already provided over $527,470,537 in used vehicle loans and $85,165,461 in new vehicle loans, helping members get on the road with ease. Our financing options are flexible and tailored to fit your budget, making it simpler than ever to drive away in the vehicle you want.

Business 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 improve your existing operations, we have solutions that can help drive success. At United, we believe that access to finance should be straightforward and supportive. If you're considering refinancing or exploring eligibility options for any of our products, don't hesitate to reach out. You can contact us at (888) 982-1400 for assistance or visit us at our branch located at 9097 Us Highway 31 Berrien Springs Mi 49103 in Berrien Springs, MI. 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 partner with you on your financial journey today!

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 are here to guide you through each step of the process, ensuring that you find the right loan for your situation.

Unsecured Credit Card Loans

Managing everyday expenses can be a challenge, but we are here to help. We 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 various benefits and rewards designed to make your spending easier.

Loan Aggregator

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ), ensuring fair and transparent offers. By partnering with reputable financial institutions, LendMesh guarantees that users receive reliable and up-to-date information about their borrowing options.

United

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Student Loans

Vehicle Loans

Introduction

Branch History & Mission

Branch Location & Accessibility

Call to Action

Nearby Landmarks and Accessibility

Operating Hours and Services

Member Eligibility

Business Banking & Commercial Services

Member and Non-Member Commercial Loans

Merchant Services

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Auto Loans & Vehicle Financing

Business Banking

Credit Cards with Rewards

Drive-Thru Banking

Mortgage Loans & Refinancing

Online & Mobile Banking

Personal Banking

Personal Loans & Debt Consolidation

Digital & Online Banking

Key Features

Security and Accessibility

Financial Strength

A Strong Community Trust

Commitment to Growth

Member-Centric Savings and Investments

Operational Efficiency

Our Solid Financial Foundation

Loan Offering

Auto Loans

Business Loans

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

Ensuring Accurate Comparisons

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