skip to main content
Our History: Serving Members Since 1949
United Federal Credit Union was founded in 1949 by community members who believed in helping one another achieve financial success. Built on the credit union philosophy of people helping people, United has grown from its local roots into a trusted financial institution serving more than 190,000 Members across the United States.
For more than 75 years, we have remained committed to providing affordable financial services, supporting local communities, and helping individuals, families, and businesses reach their financial goals.
Personal and Business Banking Designed Around You
Today, United Federal Credit Union offers a full range of personal banking and business banking solutions, including checking accounts, savings accounts, auto loans, mortgages, home equity loans, credit cards, business lending, and wealth management services.
We also partner with more than 900 employers to provide credit union membership and financial wellness benefits to employees and their families.
As a not-for-profit financial cooperative, United Federal Credit Union returns value to Members through competitive rates, fewer fees, personalized service, and ongoing investments in the communities we serve. Unlike traditional banks, our focus is on creating long-term financial success for our Members rather than generating profits for shareholders.
A Strong Credit Union Built for the Future
United Federal Credit Union is headquartered in St. Joseph, Michigan, and operates nearly 40 branch locations throughout Arkansas, Indiana, Michigan, Nevada, North Carolina, Ohio, and Pennsylvania. With more than $4 billion in assets, we have the financial strength and stability to support our Members through every stage of life.
Our commitment to financial responsibility has earned us a 5-Star Superior rating from BauerFinancial, one of the nation's leading independent bank and credit union rating organizations, for 28 consecutive years. United was also recognized as a Top 100 Workplaces in North America by Inspiring Workplaces Group three years in a row.
Committed to Our Members and Communities
At United Federal Credit Union, our commitment goes beyond banking. Our employees live, work, and volunteer in the communities we serve, supporting local schools, nonprofits, small businesses, and community organizations.
Whether you're opening your first savings account, financing a home, growing a business, or planning for the future, we're here to help you achieve more. That's the difference of a member-focused credit union that puts people first.
Frequently Asked Questions
United Federal Credit Union (United) is a member-owned financial cooperative that has been serving Members since 1949. Headquartered in St. Joseph, Michigan, United provides personal banking, business banking, mortgages, auto loans, credit cards, savings accounts, investment services, and financial wellness resources. Today, more than 190,000 Members across multiple states trust United for their financial needs.
Unlike traditional banks, United Federal Credit Union is owned by its Members, not shareholders. As a not-for-profit financial institution, United focuses on returning value to Members through competitive rates, fewer fees, personalized service, and investments in the communities it serves. Every decision is guided by the credit union philosophy of people helping people.
Membership at United Federal Credit Union is available to individuals, families, and employees who meet eligibility requirements. United partners with more than 900 employers and serves communities throughout Arkansas, Indiana, Michigan, Nevada, North Carolina, Ohio, and Pennsylvania. Prospective Members can visit a branch or explore membership options online to determine eligibility.
Ready to get started? Schedule an appointment in branch or phone call, or open an account today.
United Federal Credit Union offers a full range of financial services, including checking accounts, savings accounts, certificates, auto loans, mortgages, home equity loans, personal loans, business banking, credit cards, online banking, mobile banking, and wealth management services. Whether you're opening your first account, buying a home, or growing a business, United provides solutions designed to help you achieve your financial goals.
Explore services