United Credit Union Saint Joseph MI | Top Checking & Business Loans

Introduction

Welcome to United, your trusted partner in financial well-being, located at 1111 Main St Ste B, Saint Joseph, MI 49085. Since our establishment in 1949, we have been dedicated to serving our community with personalized banking solutions tailored to meet the diverse needs of our 192,997 members. Our commitment is reflected not only in the financial services we offer but also in the strong relationships we build with each member. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: PO Box 125, St Joseph, MI 49085. With total assets exceeding $4.1 billion, and total deposits around $301.7 million, we're proud to be a pillar of stability and support for our members. Led by our dedicated CEO, Terry O'Rourke, and Board President Troy Tolle, we strive to create a welcoming environment where everyone feels valued. Whether you're looking for personal banking options such as checking accounts, auto loans, or mortgages, or business banking services like merchant services and business loans, we have something for everyone. At United, we understand that financial decisions can impact your life significantly. That's why we are here to guide you every step of the way. If you have questions or need assistance, feel free to reach out at 888-982-1400 during our operating hours from Monday to Friday, 9 AM to 5 PM (by appointment only). Join us on this journey toward achieving your financial goals. Visit us today or explore more on our website at [unitedfcu.com]( https://www.unitedfcu.com )!

Branch History & Mission

Commitment to Accessibility

We recognize the importance of accessibility in today's world. While visiting us at 1111 Main St Ste B Saint Joseph Mi 49085 is encouraged during our operating hours Monday through Friday from 9 AM to 5 PM by appointment we also embrace technology with online banking services that allow you to manage your finances from anywhere. Although we currently do not offer ATM or drive-thru services, our focus remains on providing high-quality personal interactions and guidance tailored to your unique needs. For any official correspondence, please note that you can reach us at PO Box 125, St Joseph, MI 49085 if different from our branch address.

Join Us

As we look forward to continuing this journey together, we invite you to be part of the United family. Experience firsthand how we put members first through every product and service we offer. Let's work together toward your financial success come visit us or give us a call at (888) 982-1400 today! Together, we can build a brighter future for everyone in Saint Joseph and beyond!

Our Mission

At United, our mission goes beyond just banking. We strive to enhance the quality of life for all our members through personalized service and innovative solutions. Whether you're looking for checking and savings accounts, auto loans, or mortgage options, we aim to make your experience smooth and rewarding. We believe that strong financial health is the foundation for thriving communities. In addition to providing financial products, we actively engage with local organizations and initiatives that support community development. Our commitment extends to outreach programs that foster financial literacy and inclusivity. We understand that when our community thrives, we all thrive.

Branch Location & Accessibility

Welcome to United, your friendly neighborhood credit union located at 1111 Main St Ste B in the heart of Saint Joseph, MI. We understand that convenience is key, and our branch is ideally situated near local landmarks, making it easy for you to stop by while running errands or enjoying a day out. Whether you're grabbing a coffee at a nearby café or visiting the beautiful Silver Beach County Park, we are just around the corner! At United, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps to ensure everyone can easily access our services. Plus, parking is available right outside, so you won't have to worry about finding a spot. While members can visit us at 1111 Main St Ste B, official correspondence should be sent to PO Box 125, St Joseph, MI 49085. Our dedicated team is here to assist you during our lobby hours from Monday through Friday from 9 AM to 5 PM though please note that we operate by appointment only. Although we currently do not offer ATM services or drive-thru banking, our staff is always ready to help you with personal banking needs such as checking and savings accounts, auto loans, mortgage loans, and more. If you're looking for business banking solutions or online and mobile banking options, we've got those covered too! If you have any questions or need assistance with your financial goals, don't hesitate to reach out! Give us a call at 888-982-1400 or stop by today. We look forward to welcoming you into the United family!

Member Eligibility

Joining United is like becoming part of a caring community that puts your financial well-being first. If you're looking to become a member, you'll be pleased to know that eligibility is designed to be accessible and friendly. Generally, anyone who lives, works, worships, or attends school in the area can apply for membership. We welcome individuals from all walks of life, and being a member means you'll enjoy personalized service, competitive rates, and a variety of financial products tailored just for you. To learn more about the specific criteria or to see if you qualify, check out our detailed information at https://www.unitedfcu.com/products-and-services/banking/savings-accounts/membership-savings-account . When you're ready to open an account and take the next step towards benefiting from what United has to offer, visit us online at https://online.unitedfcu.com/unitedfederalcredituniononline/sdk/autoenrollmente2e/forgotlogin or give us a call at (888) 982-1400. Our friendly team is here to assist you every step of the way!

Business Banking & Commercial Services

Commercial 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, our merchant services simplify transactions, allowing you to focus on what you do best running your business. Whether it's setting up point-of-sale systems or offering payment processing solutions, we're here to make financial management easier for you. Visit us at 1111 Main St Ste B Saint Joseph Mi 49085 in Saint Joseph, MI, or give us a call at (888) 982-1400 to learn how we can help your business thrive!

Comprehensive List Of Services

Business Services

For our business members, we offer comprehensive Business Banking solutions including Merchant Services & Business Loans. Whether you're starting a new venture or looking to expand, we've got tools and resources to support your success.

Credit Solutions

Reward yourself with our Credit Cards with Rewards program! Enjoy benefits while managing your purchases. It's a great way to earn points or cashback on everyday spending.

Debt Management

Life can throw unexpected expenses your way. That's why we provide Personal Loans & Debt Consolidation options to help you manage your finances better. Our team is here to assist you in creating a plan that works, allowing you to focus on what matters most.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we've invested in Online & Mobile Banking services that allow you to manage your accounts anytime, anywhere. Need cash? While we don't have ATMs at our branch, our digital banking features ensure quick access to your funds when you need them most. At United, we're committed to making banking easy and accessible for everyone. Our friendly staff is always ready to help answer any questions or guide you through our services. Ready to take the next step? Give us a call at (888) 982-1400 or visit us at 1111 Main St Ste B Saint Joseph Mi 49085 in Saint Joseph, MI. Join us at St Joseph Loan Office where together we can achieve your financial goals!

Home Financing

Dreaming of homeownership? Our Mortgage Loans & Refinancing services make it easier than ever to secure the perfect home loan. We guide you through every step, helping you understand your options and find a plan that fits your budget.

Personal Banking

Whether you're opening a new checking account or looking for a safe place to save, our personal banking options are designed with you in mind. We offer various Checking & Savings Accounts that cater to different financial situations, ensuring everyone finds the right fit. If you're thinking about buying a car, our Auto Loans & Vehicle Financing can help you get on the road without breaking the bank.

Digital & Online Banking

Key Features

One of the standout features is the ability to set up E-Statements. This service not only helps you go green by reducing paper waste but also allows you to access your statements quickly and securely whenever you need them no more waiting for mail delivery! Plus, with Electronic Signature Authorization, signing documents is a breeze; no need for printing or mailing anything. For those who prefer mobile banking, our Mobile Application offers all the conveniences of online banking right at your fingertips. From managing transactions to setting up Mobile Payments, it's never been easier to pay friends or vendors directly from your phone using our Person-to-Person Transfers feature. At United, we prioritize security and ease-of-use. Your financial data is protected with top-notch security measures so you can bank confidently. With these tools, real-time account management becomes effortless, giving you peace of mind whether you're at home or on the go. Experience the convenience of modern banking today with United. Visit us online at https://unitedfcu.com/ to get started!

Financial Strength

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. Our capacity for lending is robust; with $35,348 in used auto loans and $3,047,289,259 in total loans and leases, we support members' financial goals across various sectors.

Member Trust

Total Share and Deposit Accounts: 439,336, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0 further demonstrate our commitment to providing valuable 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 1111 Main St Ste B 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 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.

Secure Savings Options

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 Foundations

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 Services and Refinancing Options

In addition to these loan offerings, we encourage you to explore our refinancing options if you're looking to lower your monthly payments or take advantage of better interest rates. Eligibility options are available; feel free to reach out for more information. If you're ready to take the next step towards achieving your financial goals or want more information about any of our loan products, don't hesitate to contact us at (888) 982-1400. Visit us at our branch located at 1111 Main St Ste B Saint Joseph Mi 49085, Saint Joseph, MI 49085. 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 navigate your financial journey today!

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 vehicle or a reliable used one, we have options tailored to meet your needs.

Business Financing

For business owners, our outstanding commercial loans totaling $332,047,461 provide the capital needed to grow and expand. Whether you're looking to start a new venture or enhance an existing one, our lending team is ready to assist you.

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 flexible terms and competitive rates to ensure that you find the right solution for your housing needs.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. 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 various features designed to fit your lifestyle.

Loan Aggregator

No Sponsored Listings

LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means that every comparison reflects genuine rates and terms rather than those influenced by advertising dollars. Users can rest assured that they are seeing an honest representation of available options.

Real-Time Rate Comparisons

With up-to-date loan rates from multiple institutions, LendMesh helps users make informed decisions quickly. The platform constantly updates its data, ensuring that borrowers have access to the most current information as they explore their financing options. 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!" Such testimonials highlight the effectiveness and reliability of this tool in helping individuals secure better loan terms. Compare real-time loan offers today at [LendMesh]( https://www.lendmesh.com/loans/mortgage_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.

Verified Data

Every loan offer presented on LendMesh comes from legitimate financial institutions. This commitment to verified data guarantees that users can trust the information they receive when comparing loans. By focusing solely on credible sources, LendMesh reinforces its dedication to providing a trustworthy service.

United

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Student Loans

Vehicle Loans

Introduction

Branch History & Mission

Commitment to Accessibility

Join Us

Our Mission

Branch Location & Accessibility

Member Eligibility

Business Banking & Commercial Services

Commercial Loan Options

Merchant Services

Comprehensive List Of Services

Business Services

Credit Solutions

Debt Management

Digital Banking Convenience

Home Financing

Personal Banking

Digital & Online Banking

Key Features

Financial Strength

Commitment to Growth

Member Trust

Operational Efficiency

Secure Savings Options

Solid Financial Foundations

Loan Offering

Additional Services and Refinancing Options

Auto Loans

Business Financing

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

No Sponsored Listings

Real-Time Rate Comparisons

Verified Data

Customers Also Interested In

Join Our Community