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we stand United

In Southwest Michigan, 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.

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

We were founded by five employees at the Whirlpool manufacturing plant in St. Joseph, MI. A part-time volunteer staff ran the credit union from a cash box in the personnel office. From those humble beginnings, United has grown to more than 30 branches in six states, over $3.0 billion in assets, and over 177,000 members.

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 the Southwest Michigan areas, and our headquarters located almost in your backyard, 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 southwest Michigan, 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 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
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Berrien Springs Branch

9097 US Highway 31
Berrien Springs, MI 49103
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Buchanan Branch

808 E Front St
Buchanan, MI 49107
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Holland North Branch

12540 Riley St
Holland, MI 49424
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Holland South Branch

1075 Washington Ave
Holland, MI 49423
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Niles North Branch

123 Sycamore Street
Niles, MI 49120
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Niles South Branch

2100 South State Street
Niles, MI 49120
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Stevensville Branch

5611 Cleveland Ave
Stevensville, MI 49127
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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.

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

Join United