What are the current interest rates at United Federal Credit Union?

Current rates for United Federal Credit Union include: 12-Month CD: 1.55%, 18-Month CD: 1.60%, 24-Month CD: 1.95%, 60-Month CD: 2.10%, Savings: 0.05%, MMA: 0.00%

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United Federal Credit Union

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United Federal Credit Union Rates & Review August 2026

Q: Is a member application needed to join United Federal Credit Union?

Yes, to access services at United Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, United Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

United Federal Credit Union's 8 Month Special rates are at 3.85%, 13 Month Special rates are at 3.60%, 60 month rates are at 2.10%, 48 month rates are at 2.05%, 36 month rates are at 2.00%. United Federal Credit Union's savings rates are at 0.05%. United Federal Credit Union's money market rates are at 0.00%. United Federal Credit Union's Jumbo 3/1 ARM rates are at 5.50%, Jumbo 30-Year Fixed rates are at 6.00%. United Federal Credit Union's Personal Loan Rates are at 4.45%. MonitorBankRates evaluates the financial stability of United Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.13%. Rates last updated and verified on 08/28/2026.

United Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at United Federal Credit Union? Share your experience about United Federal Credit Union by leaving a review below, or read customer reviews before you decide to use United Federal Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.13%

Excellent Lower than avg

United Federal Credit Union
Team United HQ Hilltop

150 Hilltop Rd
Saint Joseph, MI 49085 2381

https://www.unitedfcu.com

United Federal Credit Union CD Rates

Product	Rate	APY	Term
8 Month Special	3.80%	3.85%	8 Month
Min Balance $500 Details Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
13 Month Special	3.55%	3.60%	13 Month
Min Balance $500 Details Highlighted rows are current specials. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
60 month	2.08%	2.10%	60 Months
Min Balance $500 Details A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
48 month	2.03%	2.05%	48 Months
Min Balance $500 Details A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
36 month	1.99%	2.00%	36 Months
Min Balance $500 Details A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Bump Up Certificate 36 Month	1.99%	2.00%	36 Month
Min Balance $500 Details APY with Bonus Rate: 2.10%. Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
24 month	1.94%	1.95%	24 Months
Min Balance $500 Details A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
18 month	1.59%	1.60%	18 Months
Min Balance $500 Details A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Liquid Certificate 12 Month	1.59%	1.60%	12 Month
Min Balance $2,500 Details APY with Bonus Rate: 1.70%. Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
12 month	1.54%	1.55%	12 Months
Min Balance $500 Details A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
6 month	1.49%	1.50%	6 Months
Min Balance $500 Details A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
3 month	1.24%	1.25%	3 Months
Min Balance $500 Details A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%

United Federal Credit Union Savings Rates

Product	Rate	APY
Health Savings Account (HSA)	1.00%	1.00%
Min Deposit $50 Min Balance $25,000 Details Rates may change after account is opened. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Health Savings Account (HSA)	0.75%	0.75%
Min Deposit $50 Min Balance $10,000 Details Rates may change after account is opened. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Health Savings Account (HSA)	0.50%	0.50%
Min Deposit $50 Min Balance $1,000 Details Rates may change after account is opened. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Health Savings Account (HSA)	0.25%	0.25%
Min Deposit $50 Min Balance $0 Details Rates may change after account is opened. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Achiever Savings	0.10%	0.10%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Holiday Club	0.05%	0.05%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Membership Savings	0.05%	0.05%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Youth Savings	0.05%	0.05%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%

United Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Special	3.93%	4.00%
Min Balance $0 Details The special rate of up to 4.00% APY is available only on new Money Market Special accounts opened on or after 8/1/2026 and applies for the first 6 months following account opening. After 6 months, the account will automatically convert to a standard Elevate Money Market account and earn standard Elevate Money Market rates thereafter. A minimum opening balance of $15,000 is required. Members who currently have, or previously had in the last 12 months, any opened money market account at United are not eligible for this offer. Fees may reduce earnings. Rates may change after account is opened. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Elevate Money Market	-	2.50%
Min Balance $1 Details Earn a 2.50% APY bonus with qualifying Ultra Checking activities. Bonus rate of 2.50% APY when all of the following requirements are met: a) the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account or a Free Checking account maintained with an average monthly balance of at least $1.00; b) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Free Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; c) one direct deposit or electronic auto payment (ACH) from your Ultra Checking account or Free Checking account that is posted by 11:59 PM ET on the second to last calendar day of the dividend period; d) active enrollment in e-statements. Rates may change after account is opened. Fees may reduce earnings on the account. Consumer money market accounts only; business accounts not eligible. Subject to membership qualifications. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Elevate Money Market	1.00%	1.00%
Min Balance $250,000 Details Qualifications Required: Tax Reported Owner of an Ultra Checking account or a Free Checking account maintained with an average monthly balance of at least $1.00; combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Free Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; one direct deposit or electronic auto payment (ACH) from your Ultra Checking account or Free Checking account that is posted by 11:59 PM ET on the second to last calendar day of the dividend period; active enrollment in e-statements; Bonus rate of 3.50% APY when all of the following requirements are met: a) the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account or a Free Checking account maintained with an average monthly balance of at least $1.00; b) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Free Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; c) one direct deposit or electronic auto payment (ACH) from your Ultra Checking account or Free Checking account that is posted by 11:59 PM ET on the second to last calendar day of the dividend period; d) active enrollment in e-statements. Rates may change after account is opened. Fees may reduce earnings on the account. Consumer money market accounts only; business accounts not eligible. Subject to membership qualifications. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Market Special	0.90%	0.90%
Min Balance $100,000 Details The special rate of up to 4.00% APY is available only on new Money Market Special accounts opened on or after 8/1/2026 and applies for the first 6 months following account opening. After 6 months, the account will automatically convert to a standard Elevate Money Market account and earn standard Elevate Money Market rates thereafter. A minimum opening balance of $15,000 is required. Members who currently have, or previously had in the last 12 months, any opened money market account at United are not eligible for this offer. Fees may reduce earnings. Rates may change after account is opened. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Elevate Money Market	0.75%	0.75%
Min Balance $100,000 Details Qualifications Required: Tax Reported Owner of an Ultra Checking account or a Free Checking account maintained with an average monthly balance of at least $1.00; combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Free Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; one direct deposit or electronic auto payment (ACH) from your Ultra Checking account or Free Checking account that is posted by 11:59 PM ET on the second to last calendar day of the dividend period; active enrollment in e-statements; Bonus rate of 3.25% APY when all of the following requirements are met: a) the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account or a Free Checking account maintained with an average monthly balance of at least $1.00; b) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Free Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; c) one direct deposit or electronic auto payment (ACH) from your Ultra Checking account or Free Checking account that is posted by 11:59 PM ET on the second to last calendar day of the dividend period; d) active enrollment in e-statements. Rates may change after account is opened. Fees may reduce earnings on the account. Consumer money market accounts only; business accounts not eligible. Subject to membership qualifications. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Elevate Money Market	0.50%	0.50%
Min Balance $1,000 Details Qualifications Required: Tax Reported Owner of an Ultra Checking account or a Free Checking account maintained with an average monthly balance of at least $1.00; combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Free Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; one direct deposit or electronic auto payment (ACH) from your Ultra Checking account or Free Checking account that is posted by 11:59 PM ET on the second to last calendar day of the dividend period; active enrollment in e-statements; Bonus rate of 2.50% APY when all of the following requirements are met: a) the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account or a Free Checking account maintained with an average monthly balance of at least $1.00; b) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Free Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; c) one direct deposit or electronic auto payment (ACH) from your Ultra Checking account or Free Checking account that is posted by 11:59 PM ET on the second to last calendar day of the dividend period; d) active enrollment in e-statements. Rates may change after account is opened. Fees may reduce earnings on the account. Consumer money market accounts only; business accounts not eligible. Subject to membership qualifications. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
IRA Money Market	0.30%	0.30%
Min Balance $250,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
IRA Money Market	0.20%	0.20%
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Bonus Builder Money Market	0.15%	0.15%
Min Balance $1,000 Details APY with Bonus Rate: 0.400% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
IRA Money Market	0.10%	0.10%
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Bonus Builder Money Market	0.00%	0.00%
Min Balance $0 Details APY with Bonus Rate: 0.00% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Elevate Money Market	0.00%	0.00%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
IRA Money Market	0.00%	0.00%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%

United Federal Credit Union Checking Rates

Product	Rate	APY
Ultra Checking	4.89%	5.00%
Min Deposit $50 Min Balance $0 Details Qualifications Required: 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on this Ultra Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the owner of this account who will receive the tax statement ("Tax Reported Owner") is a cardholder; 1 direct deposit to or electronic auto payment (ACH) from this Ultra Checking account; active enrollment in e-statements; 5.00% APY earned on the portion of your daily balance that is less than or equal to $10,000 if monthly requirements for Bonus APY are met; 0.05% APY earned on the portion of your daily balance that is less than or equal to $10,000 if monthly requirements are not met; 0.10% APY earned on the portion of your daily balance that is greater than $10,000. Rates may change after account is opened. Fees could reduce the earnings on the account. One account per Member. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Ultra Checking	4.84%	4.95%
Min Deposit $50 Min Balance $0 Details Qualifications Required: 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on this Ultra Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the owner of this account who will receive the tax statement ("Tax Reported Owner") is a cardholder; 1 direct deposit to or electronic auto payment (ACH) from this Ultra Checking account; active enrollment in e-statements; Monthly requirements for Bonus APY: (a) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on this Ultra Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the owner of this account who will receive the tax statement ("Tax Reported Owner") is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; (b) 1 direct deposit to or electronic auto payment (ACH) from this Ultra Checking account is posted by 11:59 PM ET on the second to last calendar day of the dividend period; and (c) active enrollment in e-statements. Rates may change after account is opened. Fees could reduce the earnings on the account. One account per Member. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Ultra Checking	0.10%	0.10%
Min Deposit $50 Min Balance $10,000 Details Rates may change after account is opened. Fees could reduce the earnings on the account. One account per Member. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Ultra Checking	0.05%	0.05%
Min Deposit $50 Min Balance $0 Details Rates may change after account is opened. Fees could reduce the earnings on the account. One account per Member. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Ultra Checking	0.00%	0.00%
Min Deposit $50 Min Balance $10,000 Details Rates may change after account is opened. Fees could reduce the earnings on the account. One account per Member. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%

United Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Jumbo 3/1 ARM	5.50%	-	5.64%	360 months
Details Advertised rate of Jumbo 3/1 ARM and Jumbo 30-year fixed rate are based on a $1,000,000 loan amount. Payment Example (based on $1,000,000 loan amount): $1,000,000 financed for 360 months at an initial rate of 5.50% and 5.64% APR results in an initial monthly principal and interest payment of $5,677.89 for the first 36 months. After the initial 3 years, the fully indexed Annual Percentage Rate (APR), based on rates as of 03/01/2026, of 6.25% is in effect for the remaining 324 months and can change once every year for the remaining life of the loan. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater. Rates are variable and subject to change after 3 years and your payment may increase or decrease as rates change Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Jumbo 30-Year Fixed	6.00%	-	6.14%	360 months
Details Advertised rate of Jumbo 3/1 ARM and Jumbo 30-year fixed rate are based on a $1,000,000 loan amount. Payment example (based on $1,000,000 loan amount): $1,000,000 financed for 360 months at a fixed rate of 6.00% and 6.14% APR equals a monthly principal and interest payment of $5,995.51. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%

United Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit (HELOC)	-	-	4.99%	6 Month
Details Intro rate expires: 6 months; The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 7.00% to 18.00% APR based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It's advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Interest Only Home Equity Line of Credit	-	-	4.99%	6 months
Details Intro rate expires: 6 months; The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 7.25% to 18.00% APR based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It's advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Home Equity Closed End, Fixed Rate Loans - 180 Months	-	-	6.30%	180 Months
Details Loan-to-Value: 80% or Less; Rates include 0.25% discount with automatic payment from a United checking account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Home Equity Closed End, Fixed Rate Loans - 120 Months	-	-	6.50%	120 Months
Details Loan-to-Value: 80% or Less; Rates include 0.25% discount with automatic payment from a United checking account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Home Equity Closed End, Fixed Rate Loans - 60 Months	-	-	6.70%	60 Months
Details Loan-to-Value: 80% or Less; Rates include 0.25% discount with automatic payment from a United checking account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Home Equity Line of Credit (HELOC)	-	-	7.00%
Details As Low As; Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by state, as low as 7.00% APR to as high as 18.00% APR based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from a United checking account. Account features a variable periodic rate, maximum of 18.00% APR. minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Home Equity Line of Credit (HELOC)	-	-	7.50%
Details As Low As; Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by state, as low as 7.00% APR to as high as 18.00% APR based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from a United checking account. Account features a variable periodic rate, maximum of 18.00% APR. minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%

United Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Fixed Rate New & Used Auto Loans - Up to 36 Months	-	-	2.99%	Up to 36 Months
Details Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans - Up to 48 Months	-	-	3.45%	Up to 48 Months
Details Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans - Up to 60 Months	-	-	3.70%	Up to 60 Months
Details Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans - Up to 72 Months	-	-	4.20%	Up to 72 Months
Details Vehicle Model Years: 2020 or Newer**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans - Up to 84 Months	-	-	4.70%	Up to 84 Months
Details Vehicle Model Years: 2022 or Newer; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Fixed Rate Other Vehicle Loans	-	-	11.39%	60 months
Details As Low As; Rates include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%

United Federal Credit Union Credit Card Rates

Product	Rate	APR
U First Visa® Credit Card	-	11.24%
Details Intro rate expires: 6 months; Regular APR: 9.24% - 16.00% APR Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
U Boost Visa® Credit Card	-	18.00%
Details Regular APR: 18.00% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
U Rewards Visa® Signature Credit Card	-	18.00%
Details Intro rate expires: 12 months; Regular APR: 18.00%-18.00% APR Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%

United Federal Credit Union Personal Loan Rates

Product	Rate	APR
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans - Up to 48 Months	-	4.45%
Details Rates shown include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. APR As Low As; Vehicle Model Years: All Years* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans - Up to 60 Months	-	4.70%
Details Rates shown include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. APR As Low As; Vehicle Model Years: All Years* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans - Up to 72 Months	-	5.20%
Details Rates shown include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021-2017. APR As Low As; Vehicle Model Years: 2020 or Newer* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Fixed Rate New & Used Motorcycle, ATV, Personal Watercraft, & Snowmobile Loans - Up to 84 Months	-	5.70%
Details Rates shown include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. APR As Low As*; Vehicle Model Years: 2022 or Newer Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for United Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather United Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with United Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name United Federal Credit Union

Website https://www.unitedfcu.com

Address 150 Hilltop Rd, Saint Joseph, MI 49085 2381

Phone 888-982-1400

Fax

President Troy Tolle

CEO Terry ORourke

Full-Time Employees 684

Part-Time Employees 8

Branch Locations 45

ATM Locations 43

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.13%

Return on Assets (ROA)

0.9659%

Return on Equity (ROE)

8.2204%

Non-Performing Loans Ratio (NPL)

0.53%

Total Assets

4,254,536,491

Total Amount of Shares and Deposits

3,487,586,515

Total Shares and Deposits < 1 Year

3,406,231,574

Total Shares and Deposits 1 3 Years

73,630,852

Total Shares and Deposits > 3 Years

7,724,089

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

645,808,858

Total Uninsured Shares and Deposits > $250K (F+J)

645,808,858

Total Insured Shares and Deposits > $250K (item 17 less item K)

2,841,777,657

Total Interest Expense (Sum of items 6 8)

56,829,517

Share Certificates

22,047

Number of Accounts for Share Drafts

158,230

IRA KEOGH Accounts

4,091

Number of Accounts for Regular Shares

224,093

Money Market Shares

23,806

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

193,586,421

Total Liabilities

3,804,735,805

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About United Federal Credit Union

How many branches does United Federal Credit Union operate?

United Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join United Federal Credit Union?

Yes, to access services at United Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, United Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, United Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does United Federal Credit Union offer online and mobile banking?

Most modern institutions like United Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.unitedfcu.com.

Current United Federal Credit Union Rates

12-Month CD1.55%
18-Month CD1.60%
24-Month CD1.95%
60-Month CD2.10%
Savings0.05%
MMA0.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

United Federal Credit Union Rates & Review August 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

United Federal Credit Union Texas Ratio

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United Federal Credit Union Money Market Rates

United Federal Credit Union Checking Rates

United Federal Credit Union Mortgage Rates

United Federal Credit Union Home Equity & HELOC

United Federal Credit Union Auto Loan Rates

United Federal Credit Union Credit Card Rates

United Federal Credit Union Personal Loan Rates

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Customer Reviews

Frequently Asked Questions About United Federal Credit Union

How many branches does United Federal Credit Union operate?

Is a member application needed to join United Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does United Federal Credit Union offer online and mobile banking?

Current United Federal Credit Union Rates

Compare to Other Credit Unions