United Credit Union Saint Joseph MI | Low Mortgage Rates & Auto Loans

Introduction

Welcome to United, your trusted financial partner located at 2819 S State St, Saint Joseph, MI 49085. Since our establishment in 1949, we've been dedicated to serving our members with personalized banking solutions that cater to their unique needs. With a thriving membership of 192,997 individuals, we take pride in being more than just a credit union; we are an integral part of the community. At United, we understand the importance of financial stability and growth. That's why our total assets stand at an impressive $4,127,673,172, reflecting our commitment to providing robust financial services. Our members benefit from a total deposit amounting to $301,665,562 and enjoy various lending options with over 111,125 loans and leases processed. With a net worth of $457,241,625, you can trust that your money is secure with us. Under the leadership of our CEO, Terry O'Rourke, and Board President, Troy Tolle, we strive to make banking accessible and straightforward for everyone. Our friendly staff is 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. Feel free to reach out at 888-982-1400 for any inquiries or assistance. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: PO Box 125, St Joseph, MI 49085. Join us today at United and experience a credit union that truly values its members. Explore our offerings at [unitedfcu.com]( https://www.unitedfcu.com ), where financial success is just a click away!

Branch History & Mission

Our Mission

At the heart of United's mission is a desire to empower our members and support the communities we serve. We believe that everyone deserves access to quality financial services that can help them achieve their goals. Our mission statement reflects this commitment: "To provide personalized service while promoting financial well-being." We strive not only to meet your banking needs but also to contribute positively to local initiatives and outreach programs that uplift our community. While members can visit us at 2819 S State St Saint Joseph Mi 49085, official correspondence should be sent to PO Box 125, St Joseph, MI 49085 if needed. Our dedication goes beyond just numbers; it's about building relationships that last. We actively engage in community support initiatives that address local needs through partnerships and outreach efforts. Whether it's supporting educational programs or participating in local events, we aim to make a difference where it counts. With operating hours from Monday to Thursday 9 AM - 5 PM, Friday from 9 AM - 5:30 PM, and Saturday from 9 AM - 12 PM, we are here for you when you need us most. If you're seeking a financial partner who values your success as much as you do, look no further than United. Join us today and experience the benefits of being part of a credit union that truly cares about its members and the community! For more information or to become a member, visit us at [United's website]( https://unitedfcu.com/ ).

Branch Location & Accessibility

Nearby Landmarks

Located just a short drive from popular spots like Silver Beach County Park and the charming shops of downtown Saint Joseph, our branch is perfectly situated for both locals and visitors alike. You can pop in for banking services before heading out to enjoy a day by the lake!

Operating Hours

At United, we value your time. Our lobby hours are designed to fit your busy schedule: 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. Whether you need assistance during the week or want to stop by over the weekend, we're here for you.

Parking & Accessibility

We understand that convenience matters. Our parking lot offers plenty of space, making it easy for you to visit us. The branch is also ADA-compliant, featuring ramps and accessible entry points, ensuring that everyone can comfortably access our services.

Services Offered

Our branch is equipped with an ATM for your convenience and also features drive-thru banking options for quick transactions without leaving your vehicle. In addition, we participate in shared services, allowing members of partner credit unions access to basic transactions like deposits and withdrawals. While members can visit us at 2819 S State St Saint Joseph Mi 49085, official correspondence should be sent to PO Box 125, St Joseph, MI 49085. We invite you to come see us soon! For any inquiries or assistance before your visit, feel free to call us at 888-982-1400. Your financial journey is important to us, and we look forward to serving you at United!

Member Eligibility

Becoming a member of United is like joining a caring community that puts your financial well-being first. If you live, work, worship, or attend school in the areas we serve, you're likely eligible to join us! We also welcome family members of existing members, so if someone you know is already part of our family, you can easily step in as well. Joining means access to a variety of services designed to help you achieve your financial goals. Plus, you'll benefit from lower fees and better rates compared to traditional banks. For more specific eligibility details, feel free to check out our website at https://www.unitedfcu.com/products-and-services/banking/savings-accounts/membership-savings-account . When you're ready to start your journey with us, opening an account is simple just visit https://online.unitedfcu.com/unitedfederalcredituniononline/sdk/autoenrollmente2e/forgotlogin or give us a call at (888) 982-1400 for assistance. Our friendly team at 2819 S State St Saint Joseph Mi 49085 looks forward to welcoming you!

Business Banking & Commercial Services

Business 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.

Merchant Services

In addition to loans, we offer merchant services that simplify transactions for your business. Imagine a busy café using our services to process payments quickly and efficiently, allowing you to focus on serving great coffee rather than worrying about payment systems. Our tools can help streamline operations and enhance customer satisfaction. Come visit us at 2819 S State St Saint Joseph Mi 49085 in Saint Joseph, MI. Let's work together to build a brighter future for your business! For more information, contact us at (888) 982-1400.

Comprehensive List Of Services

Business Banking Solutions

We don't forget about local businesses! Our Business Banking services include merchant services and business loans to help entrepreneurs thrive. Whether you're just starting out or looking to expand, we provide the financial tools necessary for success.

Convenient Access

Accessing your money has never been easier with our Online & Mobile Banking services. Need cash? Our ATMs allow for quick withdrawals and balance checks anytime you need them. If you prefer face-to-face interactions, our basic drive-thru banking services let you handle deposits, withdrawals, and other simple transactions without leaving your car.

Credit Cards with Rewards

For those who love to shop or travel, our Credit Cards with Rewards program offers benefits that can enhance your spending experience. Earn points on purchases that can be redeemed for exciting rewards perfect for treating yourself or planning your next vacation!

Loans Made Easy

If you're in need of a new car or considering buying a home, our Auto Loans & Vehicle Financing and Mortgage Loans & Refinancing are here for you. We understand how important it is to have reliable transportation or a place to call home. Our competitive rates and flexible terms make financing accessible and straightforward. Plus, if you're facing unexpected expenses, our Personal Loans & Debt Consolidation options can provide the relief you need.

Personal Banking Services

Managing your money should be simple and effective. That's why we offer Personal Banking options like checking and savings accounts that help you keep track of your finances effortlessly. Imagine having an account that not only helps you save but also offers easy access through our online and mobile banking platforms. You can view your balance, transfer funds, and pay bills right from the palm of your hand.

Shared Branch Transactions

Are you a member of another credit union? No problem! With our shared branch transactions, you can perform basic deposits and withdrawals at partner credit unions. This means more flexibility when managing your funds. In summary, whether you're opening a new account or securing a loan, United is here to guide you every step of the way. With convenient hours Monday through Friday from 9 AM to 5:30 PM and Saturday from 9 AM to 12 PM our friendly team is ready to assist you. Ready to explore these services further? Give us a call at (888) 982-1400 or visit us at https://www.unitedfcu.com today!

Digital & Online Banking

Mobile Banking Features

For those on the go, our mobile application makes banking even easier. You can use mobile payments to make purchases directly from your smartphone or tablet. Want to send money to a friend? Our person-to-person transfer feature lets you do that instantly! Whether you're making a purchase or paying back a buddy, it's all just a tap away.

Online Banking Services

Our online banking platform, available at https://unitedfcu.com/ , provides 24/7 access to your accounts. You can check balances, pay bills, and even set up e-statements for easy access to your financial records without the hassle of paper statements. Plus, with electronic signature authorization, signing documents is quick and secure no need to visit the branch.

Security and Accessibility

We take your security seriously. Our platform is designed with top-notch security features to protect your information while providing a user-friendly experience. You'll feel confident managing your finances in real-time without worrying about safety. Whether you're sitting at home or out and about, United ensures that banking is convenient and accessible whenever you need it. Join us today and experience the ease of digital banking!

Financial Strength

Growing Community Trust

Total Share Accounts: 439,336, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0 further illustrate our commitment to providing you with the best possible services. 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 2819 S State St Saint Joseph Mi 49085 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.

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

Member-Centric Savings Solutions

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 $0 reflects our operational efficiency, 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.

Solid 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 Financing Options

For those seeking business solutions, our outstanding commercial loans totaling $332,047,461 provide the capital needed to grow and expand your ventures. Additionally, if you're looking into personal financing, we have options available that can help with debt consolidation or other personal needs. If you're considering refinancing any existing loans or exploring eligibility options for these products, don't hesitate to ask our team for more information. We are here to ensure you find the right solution that fits your financial landscape. 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 are dedicated to helping our members navigate their financial journey smoothly. Visit us today and see how we can support your lending needs!

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. Whether you're interested in financing a brand-new model or a reliable used vehicle, our team is ready to guide you through your options.

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 committed to providing you with competitive rates and personalized service throughout the mortgage process.

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. These cards come with various benefits designed to suit your spending habits while providing you with the flexibility you need.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in what lenders provide. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that help you make informed choices. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions allow users to quickly assess their options and find the best fit. Thousands of users trust LendMesh for 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]( https://www.lendmesh.com/loans/vehicle_loans ) 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.*

How LendMesh Ensures 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. This commitment to accuracy means users can trust that they are seeing genuine loan options tailored to their needs.

United

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Student Loans

Vehicle Loans

Introduction

Branch History & Mission

Our Mission

Branch Location & Accessibility

Nearby Landmarks

Operating Hours

Parking & Accessibility

Services Offered

Member Eligibility

Business Banking & Commercial Services

Business Loan Options

Merchant Services

Comprehensive List Of Services

Business Banking Solutions

Convenient Access

Credit Cards with Rewards

Loans Made Easy

Personal Banking Services

Shared Branch Transactions

Digital & Online Banking

Mobile Banking Features

Online Banking Services

Security and Accessibility

Financial Strength

Growing Community Trust

Investment in Growth

Member-Centric Savings Solutions

Operational Efficiency

Solid Financial Health

Loan Offering

Additional Financing Options

Auto Loans

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

How LendMesh Ensures Accurate Comparisons

Customers Also Interested In

Join Our Community