we stand United

In Northern Indiana, we are here for U. We are Members, just like you, and we know the way you use your money is as unique as you are.

Become a Member

local. loyal. lifelong.

At United Federal Credit Union, membership is all about relationships—and we’ve been a proud part of the Northern Indiana community for more than three years.

Since expanding to the South Bend area in 2018, we have promised to be a true partner for you and your family, and for your friends and neighbors. Today, you continue to see many of the same friendly faces still with us at of our Indiana branch after all these years. As a credit union, we believe in ‘people helping people’ and share the same Midwestern values as our Members—hard work, service to others, and having the integrity to do what’s right.

As we offer more products and services (in-branch and online) than ever before, we hold true to our values and our dedication to advancing the financial services experience by creating lifelong relationships with our Members. With roots in Southwest Michigan and a growing presence in Northern Indiana, we know what's happening locally and take our commitment to our Members and our communities to heart.

what it means to be a United Member

As a Member, you’re actually an owner of the credit union! That’s right—we’re a non-profit cooperative and that means we return earnings back to the membership in the form of higher rates on deposits, lower loan rates, and enhanced services.

At United, we always give our Members the real advice they need to make the financial decisions that are best for them. Talk to us in person or digitally, where you can receive real-time feedback with our online chat.

Member Benefits

looking for a change?

If you’re interested in doing business with your friends and neighbors in Indiana, we stand United with you. See our nearest branch locations below, or for a full list of branches, ATMs, and CO-OP network locations take a look at our interactive map.

United Michiana Branches Map
Ireland Road Branch

223 W Ireland Road
South Bend, IN 46614
branch hours

Edison Lakes Branch

4840 N Main Street
Mishawaka, IN 46545
branch hours

Bremen Highway Branch

3630 Bremen Highway
Mishawaka, IN 46544
branch hours

Toscana Park Branch

7514 Gumwood Road
Granger, IN 46530
branch hours

Niles North Branch

123 Sycamore Street
Niles, MI 49120
branch hours

Niles South Branch

2100 South State Street
Niles, MI 49120
branch hours

Buchanan Branch

808 East Front Street
Buchanan, MI 49107
branch hours

join us

Becoming a Member is easy! There are lots of ways you can qualify for membership, and we’re ready to help answer any questions you might have. If you don’t fall into one of the groups below, reach out to us to talk about all the other ways you can join.

where you are from

You live, work, worship or attend school near one of our branches in Arkansas, Indiana, Michigan, Nevada, North Carolina, and Ohio.

who you know

Either you work for or retired from one of our 900+ Corporate Members1 or you are an immediate family member of one of our Members.

what you need

To join, we will need your address, Social Security / government identification number, and your ID. ID can be in the form of a Driver’s License, State ID, Passport, or Active Military ID.

our popular products

Browse through our more popular products. Each one of our products is competitive with the market and offers unique benefits for you.

Checking Accounts

Choose between two — one that earns rewards and one that earns dividends.

Credit Cards

Choose between two — one that earns rewards and one that has a low APR intro rate.

Bonus Builder Money Market

Build your savings even faster.


Designed to fit every dream house. Let's talk about yours.

Refi Mortgages

Get the chance to replace your mortgage with one based on the current market.

Auto Loans

Find the loan you need to shop for your new car with confidence.

Boat, RV, and Other Vehicle Loans

Financing on vehicles that keep you moving on any surface.

Home Equity Lines of Credit

Get the money you need for home repairs and more.

Join us today and experience the United difference of local service, loyal membership, and lifelong relationships.

Join United

still not sure?

We get it — switching to a credit union is a difficult decision. That's why we're here to help make the decision easier.