United Financial

P.O. Box 6430, Saginaw, MI 48608

NCUA Insured4.5 (74 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1964

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Saginaw, MI may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1964

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

P.O. Box 6430

Saginaw, MI 48608

Google Maps 🗺Waze

(989) 777-3620

Service Area

This credit union is located in Saginaw and serves members in the MI area. Currently serving 21,554 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.10%

Used Auto Loan

5.35%

Personal Loan

22.00%

Credit Card APR

4.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MI

Lowest rates currently reported by credit unions in MI (NCUA Q4 2025).

Michigan Legacy— New Auto Loan

Wyandotte, MI

2.19%

Awakon— Used Auto Loan

Onaway, MI

3.99%

International Uaw— Personal Loan

Detroit, MI

5.50%

Circle— Credit Card APR

Niles, MI

4.80%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(10 total)

Member Reviews

4.5

74 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Jamie Champagne

6 months ago

I recently opened my first account with United Financial and was extremely happy with the time Carrie Hernandez spent walking me through the process. She was very kinds and easy to engage with. I feel very comfortable banking here and was happy with my opening experience with Carrie as a company representative. I feel positively about joining this credit union, they are extremely helpful and have many benefits

Maury Davis

3 years ago

United Financial is a great credit union. I have been using them for 17 years now. I recently did an auto loan with them, and my loan officer Mary Jo made the process very easy and fast. Great folks over there. If you're looking for a new place, go there.

cathy autry

4 years ago

First , I love the convenience of the location. I love the staff that I encounter when I go inside to take care of my business. They are very pleasant, quick and helpful. I love utilizing the teller option on the outside as well. I would recommend United Financial Credit Union as a great place to join as their financial institution.

Tami B

3 years ago

I have been a member at this credit union since I had my first job many moons ago. I have remained a member due to the great staff that works for United Financial. Everyone is so pleasant and go the extra mile to get things done for me.