United Financial Credit Union

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Main Phone Number
(989) 777-3620
Main Office Address
4685 State St
Saginaw, MI 48603
Main Office Hours
Sunday Hours: Closed

United Financial Credit Union was chartered on 01/01/1964. Headquartered in Saginaw, MI, it has assets in the amount of $179,072,731. Its 19,568 members are served from 6 branch locations. Deposits in United Financial Credit Union are insured by the NCUA.

A.Individuals who reside, are employed, or who worship in Saginaw County, Bay County, or Midland County, Michigan.

B.Any person over the age of 55 who receives a retirement annuity, pension, social security, or similar retirement payment from private or government sources, and lives in, or belongs to a retirement organization located in the county, or in a county contiguous to the county where the credit union's main office is located.

C.Employees of this credit union.

D.Members of the immediate families of the foregoing.

E.Organizations, incorporated or otherwise, composed for the most part of the same general group making up the membership outlined above.

F.A spouse of a deceased member if elected to membership prior to remarriage.
Edit Info
Charter Number
Chartered On
Jan. 1, 1964
Number of Members
Dave Cibulka
Credit Union Type
Federally Insured State-Chartered Credit Union
Field of Membership
Non-Federal Credit Union
Low-Income Designation
Member of FHLB
NCUA Insured Credit Union
Access to Electronic Services
  • Home Banking via Internet Website
  • Automatic Teller Machine (ATM)
  • Mobile Banking
  • Audio Response/Phone Based
Electronic Services
  • Account Balance Inquiry
  • e-Statements
  • Share Account Transfers
  • Download Account History
  • View Account History
  • Member Application
  • Bill Payment
  • Share Draft Orders
  • Loan Payments
  • External Account Transfers
  • Internet Access Services
Credit Union Programs
Services & Products - Transactional
  • ATM/Debit Card Program
  • Money orders
  • Check Cashing
Services & Products - Depository
  • No Cost Share Drafts
  • Business Share Accounts
  • Share Certificates with low minimum balance requirement
Services & Products - Other
  • No Cost Bill Payer
  • Student Scholarship
  • No Cost Tax Preparation Services
Services & Products - Financial Education
  • Financial Education
Services & Products - Credit
  • Overdraft Protection/ Courtesy Pay
  • Risk Based Loans
  • Business Loans
  • Indirect Consumer Loans
  • Overdraft Lines of Credit
  • Real Estate Loans
  • Share Secured Credit Cards
  • Credit Builder
  • Refund Anticipation Loans
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Branches in: Michigan


Auburn - 4716 Garfield Rd
4716 Garfield Rd, Auburn, MI 48611
Sunday Hours: Closed
Chesaning - 124 3rd St
124 3rd St, Chesaning, MI 48616-1065
Sunday Hours: Closed
Freeland - 7600 Midland Rd
7600 Midland Rd, Freeland, MI 48623
Sunday Hours: Closed
Saginaw - 2510 Weiss St
2510 Weiss St, Saginaw, MI 48602
Sunday Hours: Closed
Saginaw - 5658 Dixie Hwy
5658 Dixie Hwy, Saginaw, MI 48601
Sunday Hours: Closed
Main Office
Main Office Location
4685 State St, Saginaw, MI 48603
Sunday Hours: Closed