Frequently Asked Questions
General FAQs
A: United's Routing Number is: 272484894
A: United is headquartered in St Joseph, Michigan. Our corporate address is
United Federal Credit Union
150 Hilltop Road
St Joseph, MI 49085
For regular mail, please address to
United Federal Credit Union
PO Box 125
St Joseph, MI 49085
A: Please visit our Loan Payment Options page to view several options to pay your auto loan.
A: There are 3 ways to change your debit card PIN:
If you know your current PIN, you may call (800) 992-3808 to request a new personalized PIN. This change will take effect immediately.
If you do not know your current PIN, please contact the Member Service Center to have a randomly generated PIN sent to you through the mail.
Visit your local branch to make an immediate personalized PIN change.
A: You can find it on your Checking Account History page in Digital Banking. First, login to Digital Banking. Then click on the name of your checking account to go to the Account History page. Your Check ID Number and Routing Number will be listed toward the top of the page.
You can find it on your Checking Account History page in Digital Banking. First, login to DIgital Banking. Then click on the name of your checking account to go to the Account History page. Your Check ID Number and Routing Number will be listed toward the top of the page.
A:
Regular Mail:
PO Box 125
St. Joseph, MI 49085
Overnight:
2807 S. State Street
St. Joseph, MI 49085
A: Select your desired location on our branch hours page for more information.
A: Yes, use our Branches and ATMs locations map to find ATM locations. United is part of CO-OP Network which has access to nearly 30,000 network ATMs nationwide.
A: You can find all the information about Digital Banking and how to enroll by visiting our Digital Banking page.
A: Our CardPerks Rewards program makes it easy to redeem rewards any time. Follow the simple steps below.
- Log in to Digital Banking and select “CardPerks Rewards”.
- A new window will open where you will be able to see your available points and perform a redemption.
- Input the cash amount you would like to redeem, select the United account you would like to post the points to and select “submit”. After reviewing your selection and submitting, you will be directed back to the main page, which will show your updated points balance.
For more information about our CardPerks Rewards program, call us at (888) 982-1400 or stop by your local branch.
A: Your account number comes after your routing number on the bottom of your check. It is before your check number on the bottom right corner.
A: United Federal Credit Union's Routing Number is 272484894.
A routing number is a unique number used to identify a specific financial institution. The 9-digit number is located at the bottom left corner of your check.
A: Credit unions offer services like banks do, but there are some differences.
- Credit unions are not-for-profit organizations. This means that any profit the organization earns beyond operating costs is returned to the members in the form of better interest rates, low or no fees, improved and expanded services and facilities. That’s why we can often offer higher interest rates on savings and lower rates on loans than banks can. The profit earned by banks is paid to owners and shareholders rather than to the bank’s customers.
- Credit unions offer most of the same services that banks offer, but the services are named differently. A share draft account compares to a checking account, share certificates compare to certificates of deposit, and regular share accounts compare to savings accounts.
- Many smaller credit unions offer only basic services. Loans to members are credit unions’ biggest investment, mostly home and auto loans. However, larger credit unions, such as United, provide full financial services including federally insured, interest-earning deposits, consumer loans, mortgage products, credit card services, and investments. Members of credit unions are provided the same products and services offered by a bank – and often at better rates and low or no fees and with superior member service.
A: Credit unions are democratically run and each member has one vote. Members elect the board of directors who represent the members for strategic decisions and planning within the credit union. So, when you join a credit union, you get a say in how the organization is operated.
Each credit union’s organizing charter defines who is eligible to become a member. Members have something in common, usually something like an employer or place of residence. Credit unions have a “field of membership,” and a common bond that members have to share. Fields of membership can be defined by place of employment, church membership, or residence in a community, to name just a few ways.
Find the different ways you may qualify for membership.
A: Yes, this is a phone number owned by United and managed by our Collections Department. You may have received a text message from this number for a variety of reasons. To further validate the legitimacy of any text message, feel free to give us a call at (888) 982-1400.
Online Account Opening
A: Please contact our Member Service Center at (888) 982-1400. However, there is a three check per month limit and if there are more than three checks written in a month they will be returned as a Non-Transaction Account and the merchant may charge you a returned check fee.
A: Please stop buy your local branch or contact our Member Service Center toll-free at (888) 982-1400 to open an account. Youth Accounts are not available to be opened online.
A: A routing number is used to identify a specific financial institution. Each financial institution has their own number. This number can be found on the bottom left corner of your checks and is usually a 9 digit number. The United Federal Credit Union routing number is 272484894
A: Credit unions offer services like banks do, but there are some differences.
- Credit unions are not-for-profit organizations. This means that any profit the organization earns beyond operating costs is returned to the members in the form of better interest rates, low or no fees, improved and expanded services and facilities. That’s why we can often offer higher interest rates on savings and lower rates on loans than banks can. The profit earned by banks is paid to owners and shareholders rather than to the bank’s customers.
- Credit unions offer most of the same services that banks offer, but the services are named differently. A share draft account compares to a checking account, share certificates compare to certificates of deposit, and regular share accounts compare to savings accounts.
- Many smaller credit unions offer only basic services. Loans to members are credit unions’ biggest investment, mostly home and auto loans. However, larger credit unions, such as United, provide full financial services including federally insured, interest-earning deposits, consumer loans, mortgage products, credit card services, and investments. Members of credit unions are provided the same products and services offered by a bank – and often at better rates and low or no fees and with superior member service.
A: Your account security password will be used to identify you in the event you call into our Member Service Center, or if you come into a branch and want to transact business on your account. This is to protect you and your account from fraudulent activity happening on your account.
A: You have the option to edit your account information prior to submitting the information to United Federal Credit Union. Simply click on the "Edit" button above the grouping of information you would like to change, and you will be permitted to change your input.
A: Transfers from your existing account at another financial institution to your new account will occur within 2-5 business days. If you currently are a United Federal Credit Union member and are transferring money from an existing account with us, the transfer will occur on the next business day.
A: Please refer to our account selection page for product minimums.
A: The information initially pulled from your credit file is to verify your identity and will not affect your credit score. If your application goes into review status, United has the option to access your full credit file if necessary to complete your application; this option could have a minor impact to your credit score.
A: Your application is processed subject to our ability to verify your identity. (For more information, select the FAQ “What do I need to open an account with United Federal Credit Union?” below.)
A: You’ll need the same information that’s required when opening an individual account – but you’ll need it for both applicants. For details, select “What do I need to open an account with United Federal Credit Union?” below.
A: United Federal Credit Union uses encryption for online security. Encryption technology helps provide secure transmission of information along the Internet by encoding the transmitted data using a mathematical formula to scramble the data. Without a corresponding “decoder”, the transmission would look like nonsense text and would be unusable. Encryption technology can be used for a host of applications, including electronic commerce (sending credit card numbers for orders or transmitting account information), email messages and sensitive documents. Encryption is utilized with the transmission of data from one party to another. The sender encodes the data by scrambling it and then sends it on. The receiver must decode the data with the correct “decoder” in order to read and use it. The effectiveness (or level of security) for encryption is measured in terms of how long the key is – the longer the key, the longer it would take for someone without the correct “decoder” to break the code. The length of the key is measured in bits (e.g., 40-bit encryption, the level of encryption used with many ordinary browsers, versus 128-bit encryption, the level of encryption required to use this application).
A: There are several things you will need to refer to – and provide – during the account opening process:
- Social Security Number
- Valid form of identification: Drivers License, State ID, Military ID or Passport
- Personal Information including your date of birth, and former mailing address(es).
- If you are not a U.S. Citizen or U.S. Resident Alien and do not have this information, we will be unable to enroll you online. Please visit one of our branches for assistance.