United Financial Credit Union
Verified rate book
Current United Financial Credit Union rates
43 published offers verified as of August 4, 2026.
Mortgage rates
9 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 30-Year Fixed30 year fixed | 6.750% APR | 6.750% | — | Standard |
| 15-Year Fixed15 year fixed | 6.250% APR | 6.250% | — | Standard |
| 10-Year Fixed10 year fixed | 6.250% APR | 6.000% | — | Standard |
| 20-Year Fixed20 year fixed | 7.000% APR | 7.000% | — | Standard |
| 5 year Fixedother | 5.750% APR | 5.750% | — | Standard |
| 66 Month Baloonother | 6.125% APR | 6.125% | — | Standard |
| Mortgage Loanother | 6.125% APR | 6.125% | — | Standard |
| 7 Year Balloonother | 6.250% APR | 6.250% | — | Standard |
| 10 year Balloonother | 6.375% APR | 6.375% | — | Standard |
Auto & vehicle rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| New & Used Auto Loanauto_any | 4.900% APR | 4.900% | any | Standard |
| 6-Month Auto Loanauto_any_6mo | 4.900% APR | 4.900% | 6 mo | Standard |
| New & Used Motorcycle Loanmotorcycle_any | 7.150% APR | 7.150% | any | Standard |
HELOC rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| HELOC (Variable)heloc_variable | 6.500% APR | 6.500% | — | Standard |
Personal loan rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Unsecured Personal Loanpersonal_unsecured | 9.500% APR | 9.500% | — | Standard |
Savings & CD rates
29 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| APY** Variablesavings | 0.05% APY | 0.05% | — | Standard |
| $100 - $1,999savings | 0.10% APY | 0.10% | — | Standard |
| Jumbo CDs - 24 to 60 monthscd_60mo | 0.10% APY | 0.10% | 60 mo | Standard |
| $2,000 - $9,999savings | 0.25% APY | 0.25% | — | Standard |
| $10,000 - $49,999savings | 0.50% APY | 0.50% | — | Standard |
| $100 - $2,499savings | 0.65% APY | 0.65% | — | Standard |
| $50,000 - $99,999savings | 0.75% APY | 0.75% | — | Standard |
| $2,500 - $24,999savings | 0.75% APY | 0.75% | — | Standard |
| $25,000 - $49,999savings | 0.85% APY | 0.85% | — | Standard |
| $1,000 - $49,999savings | 0.90% APY | 0.90% | — | Standard |
| $100,000 And Upsavings | 1.00% APY | 1.00% | — | Standard |
| $100,000 - $499,999savings | 1.90% APY | 1.90% | — | Standard |
| $500,000 And Upsavings | 2.20% APY | 2.20% | — | Standard |
| Save to Win: Youth Edition 12 monthcd_12mo | 2.40% APY | 2.37% | 12 mo | Eligibility restricted |
| 12-Month HSAcd_12mo | 2.85% APY | 2.81% | 12 mo | Standard |
| 24-Month Certificatecd_24mo | 2.95% APY | 2.91% | 24 mo | Standard |
| 18-Month Certificatecd_18mo | 2.95% APY | 2.91% | 18 mo | Standard |
| Money Market Account for Guided Investmentsmoney_market | 2.96% APY | 2.96% | — | Standard |
| 6-Month Certificatecd_6mo | 3.00% APY | 2.96% | 6 mo | Standard |
| Step Up 20 monthcd_20mo | 3.10% APY | 3.05% | 20 mo | Standard |
| Safe Parking 36 monthcd_36mo | 3.10% APY | 3.05% | 36 mo | Standard |
| 60-Month Certificatecd_60mo | 3.20% APY | 3.15% | 60 mo | Standard |
| Hometown Hero 18 monthcd_18mo | 3.20% APY | 3.15% | 18 mo | Standard |
| 48-Month Certificatecd_48mo | 3.20% APY | 3.15% | 48 mo | Standard |
| Hometown Hero 6 monthcd_6mo | 3.25% APY | 3.20% | 6 mo | Standard |
| Elite Checkingsavings | 4.88% APY | 4.88% | — | Standard |
| 6 month SmartStart Youth CD Available for members under the age of 21cd_6mo | 5.00% APY | 4.88% | 6 mo | Eligibility restricted |
| Youth 6 Month CDcd_6mo | 5.00% APY | 5.00% | 6 mo | Eligibility restricted |
| 6 month - 4H or FFA CDcd_6mo | 5.05% APY | 4.93% | 6 mo | Standard |
As of August 4, 2026, United Financial Credit Union offers a 30-year fixed mortgage at 6.75% APR. Vehicle loans available from 4.9% APR. HELOC rates from 6.5% APR. Personal loan rates from 9.5% APR. Savings and certificate yields up to 5.05% APY.
Source: RateAPI.dev, verified from United Financial Credit Union's official website
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About United Financial Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 21.7K
- Assets
- $350.3M
- Founded
- 1964
- Locations reported
- 10
- NCUA charter
- 61657
- Charter type
- Federally insured state-chartered credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Financial counseling
- Financial education
- First-time homebuyer program
- Student scholarships
- Credit-builder products
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
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Who Can Join United Financial Credit Union
Membership eligibility from United Financial Credit Union's own published criteria. How we verify this.
Community charter: live/work in MI
- LocationMI
Verified from United Financial Credit Union's membership page. Final membership determination is always made by the credit union.
Work at United Financial Credit Union?
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Frequently Asked Questions
What rates does United Financial Credit Union offer?
United Financial Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are United Financial Credit Union rates updated?
RateAPI verifies United Financial Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get United Financial Credit Union's rate data?
Rate data is collected directly from United Financial Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is United Financial Credit Union's mortgage rate?
As of August 4, 2026, United Financial Credit Union offers a 30-year fixed mortgage at 6.75% APR.
What are United Financial Credit Union's auto & motorcycle loan rates?
As of August 4, 2026, United Financial Credit Union offers vehicle loans from 4.9% APR.
What is United Financial Credit Union's HELOC rate?
As of August 4, 2026, United Financial Credit Union offers home equity lines of credit from 6.5% APR.
What is United Financial Credit Union's personal loan rate?
As of August 4, 2026, United Financial Credit Union offers personal loans from 9.5% APR.
What is United Financial Credit Union's best CD rate?
As of August 4, 2026, United Financial Credit Union offers savings and certificate (CD) yields up to 5.05% APY.
Related Rate Data
Compare United Financial Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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View MethodologyTrack United Financial Credit Union rates
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# Get rates for United Financial Credit Union
curl "https://api.rateapi.dev/credit-unions/michigan/united-financial" \
-H "Authorization: Bearer YOUR_API_KEY"