Former Edgewater Customers: log into your accounts, find FAQs, and see next steps! Login Here

grow local with United

In Southwest Michigan, we are here for U. Your local business is what makes Michigan a great place to live. From one local to another, we take our commitment to you, your business, and our communities to heart.

local. loyal. lifelong.

For more than 70 years, United Federal Credit Union has been committed to serving Members right here in southwest Michigan—including more than 500 Business Members.

At United, we believe that businesses large and small make up the backbone of our community. From Niles to Benton Harbor and Buchanan to Holland, we’ve built lifelong relationships with some of the most successful companies in our area.

When a local business chooses United, they are partnering with a financial institution with a track record of doing what’s right for our Members.

the United difference

People. Products. Passion.

That’s the difference you’ll experience when you move your Business accounts to United.

Our team is made up of familiar faces—people you know and trust in southwest Michigan. Because our headquarters are located in St. Joseph, you get local decision makers on your side who deliver fast answers when you need them.

But we’re more than just a great team—we offer competitive products that put you first! At United, you’ll find:

Most importantly, your business will be in the hands of a team with a passion for helping you become successful. That’s part of the reason we were named the SBA Michigan District’s Credit Union Lender of the Year in 2018.

Your team at United is committed to businesses in southwest Michigan!

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 Business 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.


stay local

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 Southwest Michigan Branches Map
St. Joseph Branch

2819 S State St
St. Joseph, MI 49085
branch hours

Benton Harbor Branch

724 E Napier Ave
Benton Harbor, MI 49022
branch hours

Berrien Springs Branch

9097 US Highway 31
Berrien Springs, MI 49103
branch hours

Buchanan Branch

808 E Front St
Buchanan, MI 49107
branch hours

Holland North Branch

12540 Riley St
Holland, MI 49424
branch hours

Holland South Branch

1075 Washington Ave
Holland, MI 49423
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

Stevensville Branch

5611 Cleveland Ave
Stevensville, MI 49127
branch hours


looking for a change?

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.

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

Meeting United's Commercial Loan Officers

In Southwest Michigan, we have two fantastic Commercial Loan Officers ready to help you with any questions you may have.

Commercial Loan Officer Alex Grumbine
Alex Grumbine

Serving Members in northern Berrien County and Holland.

P: (269) 985-4901
E: agrumbine@UnitedFCU.com
Learn More about Alex

Jose Ontiveros
Jose Ontiveros

Serving Members in southern Berrien County.

P: (269) 932-7450
E: jontiveros@UnitedFCU.com
Learn More about Jose