What are the current interest rates at United Federal Credit Union?

Current rates for United Federal Credit Union include: 12-Month CD: 1.55%, 18-Month CD: 1.60%, 24-Month CD: 1.95%, 60-Month CD: 2.10%, Savings: 0.05%, MMA: 0.00%

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United Federal Credit Union

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United Federal Credit Union Rates & Review April 2026

Q: Is a member application needed to join United Federal Credit Union?

Yes, to access services at United Federal 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, United Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 18, 2026

United Federal Credit Union's 5 month CD Special rates are at 4.10%, 5 Month Special Share and IRA CDs rates are at 4.00%, 11 month CD Special rates are at 3.90%, 11 Month Special Share and IRA CDs rates are at 3.80%, 60 month Share and IRA CDs rates are at 2.10%. United Federal Credit Union's savings rates are at 0.05%. United Federal Credit Union's money market rates are at 0.00%. United Federal Credit Union's Jumbo 3/1 ARM rates are at 5.50%, Jumbo 30-Year Fixed rates are at 6.00%. United Federal Credit Union's Personal Loan Rates are at 5.05%. MonitorBankRates evaluates the financial stability of United Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.35%. Rates were last updated on 04/18/2026.

United Federal 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 Federal Credit Union? Share your experience about United Federal Credit Union by leaving a review below, or read customer reviews before you decide to use United Federal Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.35%

Excellent Lower than avg

United Federal Credit Union
Team United HQ Hilltop

150 Hilltop Rd
Saint Joseph, MI 49085 2381

https://www.unitedfcu.com

United Federal Credit Union CD Rates

Product	Rate	APY	Term
5 month Share Certificate Special	-	4.10%	5
Details IRA eligible. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
5 Month Special Share and IRA Certificates	3.94%	4.00%	5
Details Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
11 month Share Certificate Special	-	3.90%	11
Details IRA eligible. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
11 Month Special Share and IRA Certificates	3.75%	3.80%	11
Details Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
60 month Share and IRA Certificates	2.08%	2.10%	60
Details Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
48 month Share and IRA Certificates	2.03%	2.05%	48
Details Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
36 Month Bump Up Certificate	1.99%	2.00%	36
Min Deposit $500 Details APY with Bonus Rate: 2.10% Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
36 month Share and IRA Certificates	1.99%	2.00%	36
Details Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
24 month Share and IRA Certificates	1.94%	1.95%	24
Details Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
12 Month Liquid Certificate	1.59%	1.60%	12 Month
Min Deposit $2,500 Details Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
18 month Share and IRA Certificates	1.59%	1.60%	18
Details Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
12 month Share and IRA Certificates	1.54%	1.55%	12
Details Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
6 month Share and IRA Certificates	1.49%	1.50%	6
Details Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
3 month Share and IRA Certificates	1.24%	1.25%	3
Details Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

United Federal Credit Union Savings Rates

Product	Rate	APY
Health Savings Account (HSA)	1.00%	1.00%
Min Balance $25,000 Details Minimum opening deposit of $50.00 required. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Health Savings Account (HSA)	0.75%	0.75%
Min Balance $10,000 Details Minimum opening deposit of $50.00 required. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Health Savings Account (HSA)	0.50%	0.50%
Min Balance $1,000 Details Minimum opening deposit of $50.00 required. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Health Savings Account (HSA)	0.25%	0.25%
Min Balance $0 Details Minimum opening deposit of $50.00 required. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Achiever Savings	0.10%	0.10%
Min Deposit $25 Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Holiday Club	0.05%	0.05%
No additional details. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Membership Savings	0.05%	0.05%
Min Deposit $5 Min Balance $300 Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Youth Savings	0.05%	0.05%
Min Deposit $5 Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

United Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Special	-	4.00%
Details Limited time offer; for the first six months. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Elevate Money Market	-	3.65%
No additional details. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Elevate Money Market	1.14%	1.15%
Min Balance $250,000 Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Elevate Money Market	0.90%	0.90%
Min Balance $100,000 Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Elevate Money Market	0.65%	0.65%
Min Balance $1,000 Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
IRA Money Market	0.30%	0.30%
Min Balance $250,000 Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
IRA Money Market	0.20%	0.20%
Min Balance $100,000 Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Bonus Builder Money Market	0.15%	0.15%
Min Balance $1,000 Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
IRA Money Market	0.10%	0.10%
Min Balance $1,000 Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Bonus Builder Money Market	-	0.00%
Min Balance $0 Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Elevate Money Market	-	0.00%
Min Balance $0 Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
IRA Money Market	-	0.00%
Min Balance $0 Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

United Federal Credit Union Checking Rates

Product	Rate	APY
Ultra Checking	4.89%	5.00%
Min Deposit $50 Min Balance $0 Details Qualifications Required; Qualifying balance up to $10,000.00 Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Ultra Checking	0.10%	0.10%
Min Deposit $50 Min Balance $10,000 Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

United Federal Credit Union Mortgage Rates

Product	Rate	Points	APR
Jumbo 3/1 ARM	5.50%	-	5.64%
Details Advertised rate of Jumbo 3/1 ARM are based on a $1,000,000 loan amount. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Jumbo 30-Year Fixed	6.00%	-	6.14%
Details Advertised rate of Jumbo 30-year fixed rate are based on a $1,000,000 loan amount. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Line of Credit (Overdraft Protection) - Variable Rate	-	-	18.00%
Details As Low As Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

United Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
HELOC	-	-	4.99%
Details Intro rate expires: 6 months; Regular APR: As Low As; 7.00% Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Home Equity Line of Credit (HELOC)	-	-	4.99%
Details As Low As; Intro rate expires: 6 months; Regular APR: 7.00% to 18.00% Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Interest Only Home Equity Line of Credit	-	-	4.99%
Details As Low As; Intro rate expires: 6 months; Regular APR: 7.25% to 18.00% Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Home Equity Closed End, Fixed Rate Loan	-	-	6.30%	180 Months
Details As Low As; Loan-to-Value: 80% or Less Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Home Equity Closed End, Fixed Rate Loans	-	-	6.30%	180 Months
Details As Low As; Loan-to-Value: 80% or Less; Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Loans over 80% of home value will incur a 2.25% premium in addition to the APR as low as rate listed above. Rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Rates vary by state, as low as 6.30% to as high as 18.00% APR. Example Payment: 120 monthly payments of $11.25 per $1,000 borrowed at 6.30% APR, which does not include taxes or insurance; actual payment obligation will be higher. $250 may be charged for early termination. Property insurance required. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Home Equity Closed End, Fixed Rate Loan	-	-	6.50%	120 Months
Details As Low As; Loan-to-Value: 80% or Less Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Home Equity Closed End, Fixed Rate Loans	-	-	6.50%	120 Months
Details As Low As; Loan-to-Value: 80% or Less; Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Loans over 80% of home value will incur a 2.25% premium in addition to the APR as low as rate listed above. Rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Rates vary by state, as low as 6.30% to as high as 18.00% APR. Example Payment: 120 monthly payments of $11.25 per $1,000 borrowed at 6.30% APR, which does not include taxes or insurance; actual payment obligation will be higher. $250 may be charged for early termination. Property insurance required. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Home Equity Closed End, Fixed Rate Loan	-	-	6.70%	60 Months
Details As Low As; Loan-to-Value: 80% or Less Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Home Equity Closed End, Fixed Rate Loans	-	-	6.70%	60 Months
Details As Low As; Loan-to-Value: 80% or Less; Home Equity Loans are currently not available in Alaska, Hawaii or Texas. Equity loans up to 95% of home value. Loans over 80% of home value will incur a 2.25% premium in addition to the APR as low as rate listed above. Rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Rates vary by state, as low as 6.30% to as high as 18.00% APR. Example Payment: 120 monthly payments of $11.25 per $1,000 borrowed at 6.30% APR, which does not include taxes or insurance; actual payment obligation will be higher. $250 may be charged for early termination. Property insurance required. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Home Equity Line of Credit (HELOC)	-	-	7.00%
Details As Low As; Loan Amount $25,000 and above, Loan-to-Value 80% or Less Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Interest Only Home Equity Line of Credit	-	-	7.25%
Details As Low As; Loan Amount $25,000 and above, Loan-to-Value 80% or Less Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Home Equity Line of Credit (HELOC)	-	-	7.50%
Details As Low As; Loan Amount Less than $25,000, Loan-to-Value 80% or Less Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Interest Only Home Equity Line of Credit	-	-	7.75%
Details As Low As; Loan Amount Less than $25,000, Loan-to-Value 80% or Less Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

United Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	3.70%
Details As Low As Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans	-	-	3.70%	Up to 36 Months
Details As Low As; Vehicle Model Years: All Years** Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans	-	-	3.80%	Up to 48 Months
Details As Low As; Vehicle Model Years: All Years** Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans	-	-	3.90%	Up to 60 Months
Details As Low As; Vehicle Model Years: All Years** Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans	-	-	3.95%	Up to 36 Months
Details As Low As; Vehicle Model Years: All Years** Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans	-	-	4.05%	Up to 48 Months
Details As Low As; Vehicle Model Years: All Years** Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans	-	-	4.15%	Up to 60 Months
Details As Low As; Vehicle Model Years: All Years** Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans	-	-	4.20%	Up to 72 Months
Details As Low As; Vehicle Model Years: 2020 or Newer** Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans	-	-	4.30%	Up to 48 Months
Details As Low As Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans	-	-	4.40%	Up to 60 Months
Details As Low As Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans	-	-	4.45%	Up to 72 Months
Details As Low As; Vehicle Model Years: 2020 or Newer** Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans	-	-	4.55%	Up to 48 Months
Details As Low As Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans	-	-	4.65%	Up to 60 Months
Details As Low As Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans	-	-	4.70%	Up to 72 Months
Details As Low As Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans	-	-	4.75%	48
Details As Low As Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans	-	-	4.80%	Up to 84 Months
Details As Low As; Vehicle Model Years: 2022 or Newer Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans	-	-	4.85%	60
Details As Low As Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans	-	-	4.95%	Up to 72 Months
Details As Low As Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans	-	-	5.05%	Up to 84 Months
Details As Low As; Vehicle Model Years: 2022 or Newer Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans	-	-	5.15%	72
Details As Low As Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans	-	-	5.30%	Up to 84 Months
Details As Low As Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans	-	-	5.55%	Up to 84 Months
Details As Low As Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans	-	-	5.75%	84
Details As Low As Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

United Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa U First	-	0.00%
Details Intro rate expires: 6 months; Regular APR: 11.24% - 18.00% Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Visa U Rewards	-	0.00%
Details Intro rate expires: 12 months; Regular APR: 18.00% - 18.00% Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Visa U Boost	-	18.00%
Details Regular APR: 18.00% Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

United Federal Credit Union Personal Loan Rates

Product	Rate	APR
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	5.05%
Details As Low As Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	5.15%
Details As Low As Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	5.30%
Details As Low As Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	5.40%
Details As Low As Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	5.45%
Details As Low As Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	5.55%
Details As Low As Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	5.65%
Details As Low As Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	5.70%
Details As Low As Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	5.80%
Details As Low As Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	5.90%
Details As Low As Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	5.95%
Details As Low As Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	6.00%
Details As Low As; Vehicle Model Years: All Years** Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	6.05%
Details As Low As Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	6.10%
Details As Low As; Vehicle Model Years: All Years** Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	6.20%
Details As Low As Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	6.30%
Details As Low As Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	6.40%
Details As Low As; Vehicle Model Years: 2020 or Newer** Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	6.55%
Details As Low As Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	6.80%
Details As Low As Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans	-	7.00%
Details As Low As; Vehicle Model Years: 2022 or Newer Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.35%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for United Federal 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 Federal 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 Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name United Federal Credit Union

Website https://www.unitedfcu.com

Address 150 Hilltop Rd, Saint Joseph, MI 49085 2381

Phone 888-982-1400

Fax

President Troy Tolle

CEO Terry ORourke

Full-Time Employees 684

Part-Time Employees 8

Branch Locations 45

ATM Locations 43

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.35%

Return on Assets (ROA)

0.9659%

Return on Equity (ROE)

8.2204%

Non-Performing Loans Ratio (NPL)

0.53%

Total Assets

4,254,536,491

Total Amount of Shares and Deposits

3,487,586,515

Total Shares and Deposits < 1 Year

3,406,231,574

Total Shares and Deposits 1 3 Years

73,630,852

Total Shares and Deposits > 3 Years

7,724,089

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

645,808,858

Total Uninsured Shares and Deposits > $250K (F+J)

645,808,858

Total Insured Shares and Deposits > $250K (item 17 less item K)

2,841,777,657

Total Interest Expense (Sum of items 6 8)

56,829,517

Share Certificates

22,047

Number of Accounts for Share Drafts

158,230

IRA KEOGH Accounts

4,091

Number of Accounts for Regular Shares

224,093

Money Market Shares

23,806

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

193,586,421

Total Liabilities

3,804,735,805

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About United Federal Credit Union

Is United Federal Credit Union a safe place to deposit money?

Yes, United Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 3.3493459570335%, 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 Federal Credit Union operate?

United Federal 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 Federal Credit Union?

Yes, to access services at United Federal 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 Federal 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 Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does United Federal Credit Union offer online and mobile banking?

Most modern institutions like United Federal 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://www.unitedfcu.com.