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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 United Financial Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 19, 2026
United Financial Credit Union's 6 month - 4H or FFA CD rates are at 5.05%, 6 month SmartStart Youth CD rates are at 5.00%, 6 Month Youth CD rates are at 5.00%, 22 Month CD Special rates are at 3.65%. United Financial Credit Union's savings rates are at 0.05%. United Financial Credit Union's Personal Loan Rates are at 9.50%. MonitorBankRates evaluates the financial stability of United Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.73%. Rates were last updated on 04/19/2026. United Financial Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at United Financial Credit Union? Share your experience about United Financial Credit Union by leaving a review below, or read customer reviews before you decide to use United Financial Credit Union. United Financial Credit Union
UNITED FINANCIAL CREDIT UNION 4685 State St
https://unitedfinancialcu.org Saginaw, MI 48603 
United Financial Credit Union CD Rates
United Financial Credit Union Savings Rates
United Financial Credit Union Checking Rates
United Financial Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for United Financial Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather United Financial Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with United Financial Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
United Financial Credit Union
Website
https://unitedfinancialcu.org
Address
4685 State St,
Saginaw, MI 48603
Phone
989-777-3620
Fax
President
Luke Dankert
CEO
BARBARA APPOLD
Full-Time Employees
60
Part-Time Employees
25
Branch Locations
10
ATM Locations
9
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.73%
Return on Assets (ROA)
0.4977%
Return on Equity (ROE)
4.6356%
Non-Performing Loans Ratio (NPL)
0.65%
Total Assets
339,431,807
Total Amount of Shares and Deposits
307,086,448
Total Shares and Deposits < 1 Year
268,866,675
Total Shares and Deposits 1 3 Years
34,348,114
Total Shares and Deposits > 3 Years
3,871,661
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
10,068,120
Total Uninsured Shares and Deposits > $250K (F+J)
10,068,120
Total Insured Shares and Deposits > $250K (item 17 less item K)
297,018,328
Total Interest Expense (Sum of items 6 8)
3,685,697
Share Certificates
5,357
Number of Accounts for Share Drafts
12,921
IRA KEOGH Accounts
1,217
Number of Accounts for Regular Shares
23,485
All other shares
3,201
Money Market Shares
3,708
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
14,469,233
Total Liabilities
308,185,785
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About United Financial Credit UnionIs United Financial Credit Union a safe place to deposit money?Yes, United Financial Credit Union is considered a safe financial institution. With a Texas Ratio of 3.7304802010013%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does United Financial Credit Union operate?United Financial Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join United Financial Credit Union?Yes, to access services at United Financial Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, United Financial Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, United Financial Credit Union provides members with tools to manage their accounts and build a solid financial history. Does United Financial Credit Union offer online and mobile banking?Most modern institutions like United Financial Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://unitedfinancialcu.org. Current United Financial Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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