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

Current rates for United Financial Credit Union include: 12-Month CD: 2.40%, 18-Month CD: 2.95%, 24-Month CD: 2.95%, 60-Month CD: 3.20%, Savings: 0.05%

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United Financial Credit Union

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United Financial Credit Union Rates & Review September 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 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%, 11 Month CD Special rates are at 4.15%, 11 Month CD Special rates are at 4.05%, Hometown Hero 6 month rates are at 3.25%. United Financial Credit Union's savings rates are at 0.05%. United Financial Credit Union's Personal Loan Rates are as low as 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 2.20%. Rates last updated and verified on 09/22/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.20%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

United Financial Credit Union
UNITED FINANCIAL/DIXIE HWY

6310 Dixie Hwy
Bridgeport, MI 48722

https://unitedfinancialcu.org

United Financial Credit Union CD Rates

Product	Rate	APY	Term
6 month - 4H or FFA CD	4.93%	5.05%	6 month
Min Deposit $0 Details Minimum: Amount of 4H or FFA - Youth Fair Participation Check; Max $5,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
6 month SmartStart Youth CD	4.88%	5.00%	6 month
Min Balance $100 Details 1 per member; Members may open a 2nd CD if joint owner has an Elite Checking Account Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
11 Month CD Special	4.07%	4.15%	11 Month
Min Deposit $500 Details Valid on New Money Only Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
11 Month CD Special	3.97%	4.05%	11 Month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Hometown Hero 6 month	3.20%	3.25%	6 month
Min Deposit $250 Details Term: Hometown Hero 6 month Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
48 Month Certificate	3.15%	3.20%	48 month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
60 Month Certificate	3.15%	3.20%	60 month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Hometown Hero 18 month	3.15%	3.20%	18 month
Min Deposit $250 Details Term: Hometown Hero 18 month Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Safe Parking 36 month	3.05%	3.10%	36 month
Min Deposit $500 Details Term: Safe Parking 36 month Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Step Up 20 month	3.05%	3.10%	Step Up 20 month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
6 Month Certificate	2.96%	3.00%	6 month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
18 Month Certificate	2.91%	2.95%	18 month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
24 Month Certificate	2.91%	2.95%	24 month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
12 Month Certificate	2.81%	2.85%	12 month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
12 month HSA	2.81%	2.85%	12 month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Save to Win 12 month	2.37%	2.40%	Save to Win 12 month
Min Deposit $25 Details 1 per member Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Save to Win: Youth Edition 12 month	2.37%	2.40%	12 month
Min Deposit $10 Details Term: Save to Win: Youth Edition 12 month; 1 per member Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

United Financial Credit Union Savings Rates

Product	Rate	APY
Savings Account	2.96%	3.00%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Savings Account	-	2.20%
Min Balance $500,000 Details Balance: $500,000 and up Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Savings Account	-	1.90%
Min Balance $100,000 Details Balance: $100,000 - $499,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Savings Account	-	1.70%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Special Savings	-	1.05%
Min Balance $100,000 Details APY**Variable; Balance: $100,000 and up Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Open a Health Savings Account with United Financial!	-	1.00%
Min Balance $100,000 Details Balance: $100,000 and up; APY**Variable Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Special Savings	-	0.95%
Min Balance $50,000 Details APY**Variable; Balance: $50,000 - $99,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Savings Account	-	0.90%
Min Balance $1,000 Details Balance: $1,000 - $49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Special Savings	-	0.85%
Min Balance $25,000 Details APY**Variable; Balance: $25,000 - $49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Open a Health Savings Account with United Financial!	-	0.75%
Min Balance $50,000 Details Balance: $50,000 - $99,999; APY**Variable Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Special Savings	-	0.75%
Min Balance $2,500 Details APY**Variable; Balance: $2,500 - $24,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Special Savings	-	0.65%
Min Balance $100 Details APY**Variable; Balance: $100 - $2,499 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Open a Health Savings Account with United Financial!	-	0.50%
Min Balance $10,000 Details Balance: $10,000 - $49,999; APY**Variable Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Open a Health Savings Account with United Financial!	-	0.25%
Min Balance $2,000 Details Balance: $2,000 - $9,999; APY**Variable Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Open a Health Savings Account with United Financial!	-	0.10%
Min Balance $100 Details Balance: $100 - $1,999; APY**Variable Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Christmas/Vacation Club	-	0.05%
Min Deposit $0 Min Balance $0 Details APY** Variable Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Savings Plus	-	0.05%
Min Deposit $5 Min Balance $0 Details APY** Variable Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Special Savings	-	0.05%
Min Deposit $0 Min Balance $0 Details APY** Variable Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

United Financial Credit Union Checking Rates

Product	Rate	APY	View More
UFirst Elite Checking	-	5.00%
Min Balance $0 Details Qualifications Required: Must meet monthly requirements to qualify for rate listed below; Fees could reduce earnings; Variable APY; Based on Average Daily Balance Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

United Financial Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New & Used Auto Loans	-	-	4.90%	Up to 7 years
Details As low as; Maximum Amount 100% purchase price of vehicle Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

United Financial Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	9.50%
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

United Financial Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Platinum & Platinum Rewards Loan	-	-	4.90%
Details Intro Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Quick Cash Loan	-	-	22.00%	Up to 36 months
Details Application Fee $45.00. No credit check required. Your Quick Cash Loan is based on your relationship with United Financial Credit Union, not the credit bureaus. How you pay back your loan can actually improve your credit score. You must be a United Financial member for at least 3 months and over the age of 18. Subject to change. Quick Cash Loans can not exceed an aggregate of $3,000 in disbursed loan(s). Skip-A-Pay not applicable to the Quick Cash Loan program. See credit union for complete details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

United Financial Credit Union’s Texas Ratio fell from 3.52% in Q2 2023 to 2.20% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$350M	2.20%	5.0	A+
December 31, 2025	$343M	3.89%	5.0	A+
September 30, 2025	$339M	3.57%	5.0	A+
June 30, 2025	$333M	3.94%	5.0	A+
March 31, 2025	$327M	3.51%	5.0	A+
December 31, 2024	$317M	5.02%	5.0	A+
September 30, 2024	$317M	4.30%	5.0	A+
June 30, 2024	$317M	4.95%	5.0	A+
March 31, 2024	$322M	3.35%	5.0	A+
December 31, 2023	$321M	5.23%	5.0	A+
September 30, 2023	$318M	3.83%	5.0	A+
June 30, 2023	$322M	3.52%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 6310 Dixie Hwy, Bridgeport, MI 48722

Phone 989-777-3620

Fax

President Robert Callison

CEO BARBARA APPOLD

Full-Time Employees 61

Part-Time Employees 25

Branch Locations 10

ATM Locations 9

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.20%

Return on Assets (ROA)

0.1804%

Return on Equity (ROE)

1.6803%

Non-Performing Loans Ratio (NPL)

0.40%

Total Assets

350,263,904

Total Amount of Shares and Deposits

316,645,405

Total Shares and Deposits < 1 Year

294,816,280

Total Shares and Deposits 1 3 Years

18,046,470

Total Shares and Deposits > 3 Years

3,782,655

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

7,688,003

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

7,688,003

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

308,957,402

Total Interest Expense (Sum of items 6 8)

1,207,416

Share Certificates

5,289

Number of Accounts for Share Drafts

13,159

IRA KEOGH Accounts

1,222

Number of Accounts for Regular Shares

23,620

All other shares

3,262

Money Market Shares

3,908

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

13,521,956

Total Liabilities

317,723,518

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

United Financial Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About United Financial Credit Union

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.