United Credit Union Saint Joseph MI | Affordable Auto Loans & Business Banking

Introduction

Welcome to United, your trusted partner in financial services since 1949! Located at 321 Main St, Saint Joseph, MI 49085, we are committed to serving our community with a focus on member satisfaction and financial empowerment. With a robust membership of 192,997 individuals, we pride ourselves on being more than just a credit union we're a family dedicated to helping you achieve your financial goals. At United, we understand that every member has unique needs. That's why we offer a wide range of services including personal banking, auto loans, mortgages, and business banking solutions. Our total assets stand impressively at $4,127,673,172, showcasing our strength and stability. We also hold $301,665,562 in deposits and have provided over 111,125 loans to our members. While you can easily visit us at our branch for personalized service, please note that official correspondence should be sent to our mailing address: PO Box 125, St Joseph, MI 49085. We invite you to explore the various ways we can assist you financially and make your banking experience seamless. Under the leadership of CEO Terry O'Rourke and Board President Troy Tolle, our dedicated team of 726 employees is here to ensure you receive the best possible service. Feel free to reach out to us at 888-982-1400 or visit our website at [unitedfcu.com]( https://www.unitedfcu.com ) for more information. Join us today and experience the difference with United where your financial success is our priority!

Branch History & Mission

Community Engagement

Our dedication doesn't stop at banking; we are deeply involved in community initiatives that create lasting impact. From sponsoring local events to providing resources for financial education, we are passionate about helping our neighbors thrive. As we look toward the future, we invite you to join us on this journey. Experience firsthand how United can help you achieve your financial goals while becoming part of a supportive community network. Whether you're looking for personal banking services or exploring business opportunities, we're here for you. With convenient operating hours from Monday through Friday and features like drive-thru banking and ATM access available at your convenience, we are ready to serve your financial needs. Call us today at 888-982-1400 or visit us online at [unitedfcu.com]( https://unitedfcu.com/ ) to learn more about what United has to offer you! Join United today and be part of a credit union that believes in you!

Our Mission

At United, our mission goes beyond merely providing banking services. We strive to enrich lives by offering a wide range of financial products tailored to meet diverse needs be it personal banking, auto loans, mortgage financing, or business loans. Our focus on community support drives us to engage actively in local outreach programs and partnerships that uplift those around us. We believe that when one member succeeds, we all succeed. While members can visit us at 321 Main St Saint Joseph Mi 49085, official correspondence should be sent to PO Box 125, St Joseph, MI 49085. We are committed to making banking accessible for everyone; this includes maintaining ADA compliance and offering modern conveniences like online banking and mobile payments.

Branch Location & Accessibility

Accessibility Features

At United, we understand the importance of accessibility. Our branch meets ADA compliance standards, featuring ramps and designated spaces for those who may need extra assistance. We strive to make your banking experience comfortable and straightforward.

Convenient Location and Nearby Landmarks

Nestled in Berrien County, our branch is just a stone's throw away from popular local spots. If you're visiting us, you can enjoy nearby attractions like the beautiful Lake Michigan shoreline or the vibrant downtown area filled with shops and restaurants. Plus, ample parking ensures you can visit us without any hassle.

Operating Hours

We're here for you during convenient hours: Monday through Thursday from 9 AM to 5 PM, and Friday until 5:30 PM. Whether you need help with checking accounts, auto loans, or mortgages, our friendly staff is ready to assist you during these times.

Services Offered

Our branch provides a variety of services tailored to meet your needs. From personal banking options like checking and savings accounts to vehicle financing and mortgage loans, we've got you covered. Enjoy the convenience of ATM access for quick cash withdrawals and basic drive-thru services for deposits or simple transactions. And if you're a member of a partner credit union, take advantage of our shared service center for even more flexibility! For any inquiries or assistance, feel free to give us a call at 888-982-1400. We look forward to welcoming you at United where your financial well-being is our priority!

Member Eligibility

Welcome to the community at United! Becoming a member is not just about opening an account; it's about joining a family that values your financial well-being. If you live, work, worship, or attend school in certain areas, you might already be eligible for membership. We also welcome immediate family members of existing members, so it's easy to share the benefits with those you care about. To learn more about the specific eligibility criteria, feel free to check out this detailed resource: https://www.unitedfcu.com/products-and-services/banking/savings-accounts/membership-savings-account . Joining United opens up a world of opportunities for you and your loved ones. With our dedicated team ready to assist you, opening an account is a breeze! Just give us a call at (888) 982-1400, or visit us at our branch located at 321 Main St Saint Joseph Mi 49085. You can even start the process online by following this link: https://online.unitedfcu.com/unitedfederalcredituniononline/sdk/autoenrollmente2e/forgotlogin . We're excited to welcome you into our supportive community where your financial goals are our priority!

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 That Matter

Imagine running your business smoothly while offering customers convenient payment options. Our merchant services do just that! They help you accept various payment methods effortlessly, making transactions quick and easy for both you and your customers. This not only enhances customer satisfaction but also improves your cash flow. Visit us at 321 Main St Saint Joseph Mi 49085 in Saint Joseph, MI, or give us a call at (888) 982-1400 to learn how our business banking solutions can support your vision for success!

Comprehensive List Of Services

A Commitment to You

At United, our commitment goes beyond just providing financial products; it's about building relationships with our members. We know that each person has different needs, which is why we work hard to ensure that our services align with what matters most to you. With easy access to all these services right here at 321 Main St Saint Joseph Mi 49085, you can reach us anytime at (888) 982-1400 if you have questions or need assistance. We invite you to come experience the difference at Downtown St Joe - Branch 42, where we're dedicated to helping you succeed financially. Take the first step towards achieving your financial goals today! Visit us or check out our website for more information on how we can assist you: [Visit Us Online]( https://www.unitedfcu.com ).

Business Banking Services

For business owners, we offer tailored solutions including merchant services and business loans. Our goal is to support your entrepreneurial journey with financial products designed for small businesses like yours.

Digital Banking Features

In today's fast-paced world, convenience is key. At Downtown St Joe - Branch 42, we prioritize ease of access through our robust online and mobile banking services. Check balances, transfer funds, and even make payments from your smartphone or computer whenever it suits you best. Our ATM and cash withdrawal services ensure that accessing your funds is straightforward, whether you're at home or on the go. If you need assistance but can't make it into the branch, our digital tools allow for quick transactions without compromising service quality. With basic drive-thru banking available for deposits and withdrawals, plus shared branch transactions for partner credit union members, we strive to provide flexible options that fit into your busy life.

Personal Banking Solutions

Our personal banking services offer everything from checking and savings accounts to support for your everyday transactions. If you're looking to buy a car, our auto loans and vehicle financing options can help you get on the road with affordable terms tailored just for you. For those considering home ownership, we provide mortgage loans and refinancing solutions that make the process smoother and more accessible. Need some extra cash? Our personal loans and debt consolidation options are here to help you manage expenses or consolidate bills into one easy payment. Plus, with our credit cards with rewards, you can earn benefits while making purchases.

Digital & Online Banking

Real-Time Account Management

Managing your finances should be straightforward and stress-free. At United, our digital services are designed for real-time account management so that you can always stay informed about your financial situation. Whether you're reviewing recent transactions or making payments on the go, you'll find everything you need right at your fingertips. In summary, United is dedicated to making banking as easy as possible for our members. With robust digital services available through our online platform and mobile app, you'll enjoy complete access and security wherever life takes you!

Security and Accessibility

Security is a top priority at United. We utilize electronic signature authorization, ensuring that your transactions are both safe and efficient. Additionally, our commitment to providing e-statements means you can keep track of your financial activity without the clutter of paper statements. This feature not only helps the environment but also gives you easy access to your financial history whenever you need it. For those looking to send money quickly and easily, our person-to-person transfer option makes it simple to send funds to friends or family without any hassle. And if you're someone who enjoys the convenience of mobile payments, rest assured that we support this feature too, allowing you to pay directly from your smartphone.

Financial Strength

Growing Member Base

Our community trusts us with their finances evident by the fact that we manage a total of 439,336 share and deposit accounts. This reflects not only our growth but also the trust placed in us by nearly 193,000 members who have chosen United as their trusted financial partner. In conclusion, 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 321 Main St Saint Joseph Mi 49085 or call (888) 982-1400 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency shines through with a net income of $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.

Reinvesting in Member Services

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 commitment to lending is evident as well with $35,348 in used auto loans and $3,047,289,259 in total loans and leases supporting your financial goals across various sectors.

Secure Savings Options

Your savings are safe with us. 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.

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

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 eyeing a brand-new model or a reliable pre-owned vehicle, our financing options can put you behind the wheel sooner than you think.

Business Loans

For business owners, our outstanding commercial loans totaling $332,047,461 provide the capital needed to grow and expand your operations. We are dedicated to supporting local businesses with affordable financing options tailored to meet your specific needs. Our team at United, located at 321 Main St Saint Joseph Mi 49085, Saint Joseph, MI 49085, is ready to assist you with any questions about our loan offerings. Feel free to reach out at (888) 982-1400 during our operating hours: M-Th 9-5 and Fri 9-5:30. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. If you're considering applying for a loan or need more information about eligibility options, visit our website at https://unitedfcu.com/ for more details!

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 provide tailored solutions to fit your unique situation, making it easier for you to secure your dream home while also considering refinancing options that could save you money over time.

Unsecured Credit Card Loans

Managing daily expenses is essential, and we have just the solution for that too. 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. This can be an excellent option for those looking to consolidate debt or make larger purchases without tying up funds.

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 ). This commitment ensures that users receive fair and transparent offers. By relying on verified data, LendMesh builds trust with its users, allowing them to explore various loan options confidently.

United

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Student Loans

Vehicle Loans

Introduction

Branch History & Mission

Community Engagement

Our Mission

Branch Location & Accessibility

Accessibility Features

Convenient Location and Nearby Landmarks

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Business Loan Options

Merchant Services That Matter

Comprehensive List Of Services

A Commitment to You

Business Banking Services

Digital Banking Features

Personal Banking Solutions

Digital & Online Banking

Real-Time Account Management

Security and Accessibility

Financial Strength

Growing Member Base

Operational Efficiency

Reinvesting in Member Services

Secure Savings Options

Solid Financial Health

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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